Why Money Is Failing

Anything invented by man has a short life before it fades away, and money is no exception. Invented for trade and then the wealth of those who made it their god they become so attached that it occupies their mind constantly. That means they have no room for listening to the Spirit voice within them, and they suffer the consequences. As their wealth grows many die horrible deaths from incurable diseases, suicide, or other.

The world’s economic future is now dire as manipulation of currencies and such take priorities. Wars are about money and power and we are rapidly coming to a major confrontation that will see the planet change as never before.

Already with climate change, scarcity of water, draught, famine, disease, and other things mounting pressure on countries and their economy the last thing it required was a war on trade. How will that play out in the light of the other problems the world faces?

The only place money is generated is from the environment. Whether its crops replacing forests, or animals targeted for food or pleasure, nothing about it is good for the planet. Mining minerals, oil, gas, and other things is depleting the air of oxygen while causing CO2 to dominate the atmosphere.

Overfishing of oceans and the inexcusable destruction of unwanted species is horrendous. The wastage of excesses is disgusting while the extinction of species of animals and plants the benefit of which is not yet understood is horrifying. Yet man continues on his destruction because he does not know and possibly cannot now live without money.

While its initial purpose was trade it has become so entrenched in our lives that we are asked to pay for just about everything we depend on to survive. That forces everyone to earn it or come by it in some other way. So how long can we survive with it?

The reality it that countries are already so corrupt that the governments are syphoning off the profits and people are starving. This is seen in several place as the rest of the world watches. In some regions so-called civil wars rage on as populations flee while seeking refuge and safety. As they go many of their numbers fall and die.

Money is the root of corruption and criminality and, like religion, it is so entrenched in the human psyche that nothing short of complete annihilation of the species will end it. That is rapidly coming to fruition as the planet struggles to survive, people die in their millions, but the birth rate overtakes the numbers of deaths by millions more. That is why money is failing as it’s a death sentence humans have inflicted upon themselves.

The Ups and Downs of Parking Lot Control Arms

My office is contacted many times a month regarding a parking lot control arm or barrier gate injury of some sort. These terms are generally interchangeable; however, some standards do not use the term control arm, only barrier arm. Usually, the attorney starts by explaining that the plaintiff was hit by a descending parking lot arm without any advance warning. Sometimes the injured party is riding a motorcycle, sometimes walking as a pedestrian under the arm. In other claims the gate arm does not fully cycle open before returning to the horizontal position. There are also cases where the gate appears to have been left in an open position, turned off, and is remaining in the upright position for extended periods of time and suddenly descends just as a pedestrian begins to pass under it. There are numerous variations of the same type of accident, but there are big differences in who the responsible party is for the cause of injury. Some of the first questions asked pertain to how the device works, and why the arm did not detect the person as they walked through the driveway.


Manufacturers of most barrier arm gates build their devices to activate in one of two different ways. Fully automated by remote stimulus and/or manually controlled by a parking lot attendant.

Many parking lot control arms are activated when a driver pulls up to a parking lot gate in a vehicle. As the vehicle arrives, an electronic signal is sent to the arm mechanism due to the detection of that vehicles large metallic presence interacting with an in-ground magnetic field. This

in- ground magnetic field is created from buried wires known in the trade as an induction loop. The signal generated from this “activation or approach magnetic induction flux loop” often is connected to a ticket printing device. This piece of equipment is commonly referred to as a “Ticket Spitter”. The “Spitter” issues a ticket, usually for single vehicle access prior to activating the barrier arm gate mechanism causing the arm to raise. An alternative method to get the control arm raised requires a driver to reach out of the car and push a button to receive a parking lot access ticket from the “Spitter”. (In that mode of operation, it is probable that there is no magnetic loop in place.) In either case, once the ticket is taken by the driver, the “Spitter” sends a control signal to the gate arm mechanism, and the arm is supposed to raise, generally for a single vehicle to control access to the parking lot.

As the vehicle transitions from the approach location where the ticket is issued, once the control arm raises, there is usually a functioning magnetic flux or induction “Safety Loop” located under the control arm swing location which provides protection for a vehicle until it has cleared the “Zone of Danger” underneath the active arm. The control arm may also be kept in the open position by a timer that holds the gate arm up for a predetermined time prior to closing. Using a timer function in place of an in-ground magnetic loop is risky, as vehicles may not clear the opening, or another vehicle can attempt to gain access without receiving a usage ticket. Older, non-current standard compliant installations have been seen without any consistency of design or operational function.

There are multiple installation variables that can alter the basic loop positions and quantities, but most basic systems operate as described above using at least two control loops. One underneath the control arm, and one egress or approach loop. In some installations, all three loops will be present. This triple looped system offers the most comprehensive safety for a vehicle, NOT A PEDESTRIAN!


A parking lot attendant, usually positioned inside an adjacent booth, has a control switch that activates the parking arm. The attendant has a switch that raises the arm, lowers the arm, and keeps the arm inactive, either up or down. Some manually controlled arms also have magnetic induction loops connected to the parking lot control arm when the parking lot is unmanned after hours, in which case, the arm should function in the fully automatic mode, as described above.


Contrary to popular belief, most are activated due to a change in a magnetic field which is generated by twisted energized wires positioned below the adjacent pavement of the control arm. Modern arms are not usually controlled by pneumatic pressure like an old-fashioned gas station bell hose. It is unlikely that the weight of a vehicle or a pedestrian walking underneath the arm will stop an active arm. Modern parking arms are triggered by a change in the magnetic induction loop return. Modern induction loops are manufactured from a relatively light gauge of wire, placed in a rectangular shape that is calibrated and sized to detect a change in the magnetic field when a metallic object such as a vehicle enters or covers that field.

Many attorneys insist to me during their initial call that a pedestrian walked next one and activated the arm due to their client’s weight, and the arm failed to remain open as they walked under the arm. This scenario is generally incorrect. Weight of a vehicle, or weight of a pedestrian cannot activate most modern parking control arms. A trigger of an arm or activation of a street traffic light due to weight has not been in practice for many years. It is highly unlikely that a pressure pad sensitive to weight is ever controlling a parking lot arm today.

UL 325/ASTM F2200

There are several standards that are used to design and install parking control/barrier arm devices. In the most basic sense, UL 325 (Underwriters Laboratories) in conjunction with ASTM F2200 (American Society of Testing Materials) as well as other trade organizations have compiled standards that are designed to make a control/barrier arm installation safe and user friendly. Most of the regulations that are referenced in these standards have been adopted and in common trade practice and usage since the year 2000. There are numerous revisions of these standards, and industry best practices for service providers and installers should be to bring any of these past installed products up to date with the latest revision of the standards for entrapment and function.


A UL 325 compliant barrier arm or parking control arm installation requires several conditions to be met. The mechanism is generally installed atop a concrete island (not a UL requirement). All conduits and control circuits are routed into the base of the barrier arm mechanism through this elevated platform. This is not always the observed situation; however, it seems to be the most encountered condition as the elevated platform provides protection from vehicle impact for the arm housing. When this island is placed by a concrete contractor, it is the perfect time for the facility to install a dedicated pedestrian walkway.

This dedicated pedestrian walkway must be away from the “danger zone” of the active control arm. This dedicated pathway is one of the most important factors to having a UL 325 compliant installation. Another significant safety device required for a UL 325 compliant installation is blatant painted warnings on the pavement located adjacent to both sides (ingress and egress) of the control arm. For instance: “Not a Pedestrian Walkway” or “Motor Vehicles Only” along with bright stripes and designs to draw the attention of a pedestrian to indicate danger prior to coming into the “danger zone”. Signage is also required, on the arm itself, the cabinet that houses the activation equipment, and on a placard in front of the control arm equipment.


I have observed for many years that pedestrians are often walking while distracted by their cell phones, other people they are engaged in conversation with, or low lighting conditions. Although a UL requirement for a compliant installation is having a warning sign placed in several areas adjacent to and attached to the control arm, that warning is often unseen for many reasons. Pedestrians often look to the location that they are planning to reach without seeing their immediate surroundings. When this occurs, any warning signage has no value to them. A sign that is attached to a vertically elevated arm is out of the field of view for a pedestrian in most cases so that warning label is ineffective. A distracted pedestrian is as likely to walk off a curb in front of oncoming traffic or walk under a raised parking control arm without realizing that the danger exists. Blatant pavement signage has also been ignored by distracted pedestrians focused on getting to where they want to go.


There are a variety of cases where a parking lot barrier arm has malfunctioned due to a complete lack of maintenance awareness. Most manufacturers suggest they should be inspected and evaluated for function by a professional service provider at least once a year. This interval inspection routine is questionable in a parking area with high usage of the control arm. In a case of continual usage, a professional service provider should be in place to inspect the device every quarter. Usually, some malfunction occurs that requires professional visits more frequently than every 3 or 4 months in a high usage installation.

Sometimes property management or an owner employs a maintenance person to make repairs. This can be problematic, as that maintenance person may not have adequate skills or training as to how to properly inspect the functions of the control arm mechanism and related systems correctly. In other low usage areas, where the arm is either occasionally used, unused and left in an open condition, or there is minimal parking lot activity, property owners never get them serviced. They are unaware of the need for service, feel that the arm is operating correctly when it is used, or just do not want to expense the services of a professional due to budgetary constraints or an ignorance of how the device functions.

Most owners of parking control lot arms do not understand or have the skills to properly check all functions of the arm control mechanism. They may be capable of replacing a broken arm component when damaged by a vehicle, but rarely understand the actual electronic requirements. When a competent, qualified professional service provider is used to make proactive inspections of a parking control arm, there are numerous tests and electronic evaluations that are made with dedicated service equipment that the average equipment owner would not possess.

One of the most basic critical evaluations to ensure that a parking control arm is properly functioning involves checking the resistance capacity of the in-ground magnetic flux loops. These loops are one of the primary controls for avoiding vehicular/arm impact collisions. There is an electronic meter known as a “megohm meter” or “meggar” that checks the condition of the in-ground loop insulation material of all system loops. It measures millions of ohms of resistance by placing a signal onto the flux loop when tested. The unbroken condition of the insulation that is the outside coating of these in ground wires is essential to have a properly functioning flux loop.

Electrical leakage to the surrounding ground due to partial loss of the protective insulation creates false imaging to the controls of the parking arm equipment. The insulation of these flux wire loops has an expected life. This is due to corrosive aspects of the material that the wires are encased in. Concrete, asphalt, various cement, sands and gravel all have corrosive components to their chemical composition. These acids can affect the lifetime of the flux wire insulation. Depending upon how much water leaches through the pavement, these flux wires will eventually be exposed to chemicals that will break down the insulation protection that is required. When that insulation breakdown finally happens, the operation of the magnetic flux loop is inconsistent and often becomes a danger to vehicles of all kinds (cars, trucks, motorcycles, bicycles, trailers, etc.) using the control arm.

Defective operation of parking lot control systems has been frequently observed following flooding due to driven rains or adjacent sprinkler systems. In several past cases, service providers and owners that failed to take critical tests to determine insulation quality of magnetic loops have been responsible for damage caused as a result of those unknown wire conditions. In some claims, the service provider was aware that the loops were not functioning up to specifications of the loop manufacturer yet failed to take any proactive action to have them replaced, or minimally alert the owner of the arm that the condition existed. To save money, some service providers fabricate their own loops for these installations. When that is the case, the service provider needs to regularly verify the condition of the loops to make certain that the performance is as required.


It is usually a goal to make a product that is as safe as is possible for all users. The UL 325 standards attempt to keep current with technological advances but are not always up to date. Basic requirements as described above do make control arms reasonably safe, but there are additional safety devices that can be added to most parking control systems.

  • Cross threshold optical sensor beams. These beams function in the same way that a common residential automatic garage door bottom beam sensor works. They provide an additional protection to both vehicles and pedestrians as they stop the control arm from descending when the beam is obstructed. To be effective, they need to be properly positioned and in enough quantity.
  • Audible alarms are being installed to alert pedestrians and drivers in proximity to the control arm that it is about to descend.
  • Visible alarms that provide strobe or flashing light action alert pedestrians and drivers that the barrier arm is about to descend.
  • Contact safety switches attached to the bottom edge of a parking control arm cause the descending arm to reverse when 10 pounds of force from an obstruction occurs.

These added safety devices are not part of any standard requirement but are relatively inexpensive to add to a control arm system and tend to be more effective in warning pedestrians that something is about to happen. Both alarms begin working a few seconds before any activation movement of the arm starts. A properly positioned beam or beams can be effective in stopping the descent of a control arm when a pedestrian is obstructing the beam but is not fully reliable due to user interactions. It is best practice to avoid having any pedestrian walk under the pathway of a control arm.


Many motorcycle injuries from parking arms have occurred as a direct result of magnetic loop degeneration. Properly operating control loops should have enough sensitivity to “notice” most metallic objects. I have been able to test magnetic fields for gates and control arms using a one-foot square piece of sheet steel with positive results that have activated the devices. Cars and trucks obviously have larger footprints than a motorcycle, scooter or bicycle, but if the loops are sensitive enough and the module that controls those loops is properly adjusted, it is not unreasonable to get a big enough change in the magnetic field to trigger the operator mechanism. Unless there are specific access and egress points for motorcycles and other two wheeled conveyances, most riders will expect that a control arm will react to their rides. It is critically important to have competent professional service providers evaluate control arm systems on a regular basis. Changes to sensitivity of the magnetic fields that can occur suddenly create problems resulting in cosmetic damage to cars but can cause catastrophic dangerous conditions for two wheeled vehicles. Motorcycle accidents with barrier arms are particularly dangerous when the safety loops that are positioned under the control arm fail or work intermittently. A rider will gain access, the arm will lift, and without warning it will descend into the face or on top of the head of the rider leading to potentially severe injuries. It is a reasonable expectation on the part of a motorcycle operator that the arm will remain open and the in-ground loops will detect the presence of a motorcycle. Dangerous conditions that exist as a result of deferred or non-existent maintenance of parking control arms have created many motorcycle rider impact injury claims.



When there is no proactive maintenance of any device or piece of equipment in a facility the owner is negligent for failing to make the effort to ensure that the property will be safe for all invitees. Failing to employ competent professional service providers due to cost, ignorance, laziness or stupidity is negligent. Having properly maintained and properly operating equipment is responsible and meets the standard of care expected of an owner that invites the public on to the property. Having a proactive plan to provide inspections and maintenance of all equipment is responsible and diligent. If the professional service provider has not met the standard of care, the owner may ultimately have the responsibility for the defective condition of the control arm. Whether or not there is an indemnification policy between the service provider and owner can determine who is financially responsible for the injury claim. If the owner has been informed of operational or functional deficiencies by others and has refused to upgrade or make the control arm standard compliant, it is more probable than not that the owner will become a responsible party.


If a professional service provider does not make the property owner aware of changes in standards or advise the owner of possible safety upgrades, that professional is not acting up to industry expectations. The service provider is also not taking the opportunity for increased sales revenues derived from making those suggestions. If a service provider has offered limited services to an owner (such as an on-call / as-needed basis), it is hard to place the blame on the service provider that was just providing specific work. It is still recommended that all deficiencies in an operating barrier arm system be identified, specified, and described so that the service provider can transfer the liability onto the owner of the now non-compliant control arm.

When a professional service provider installs a parking control arm in a non-compliant installation (for example there is no dedicated walkway or signage), the obligations for that deficiency depend upon the communication and working relationship with the owner of the property. There are several different scenarios that determine the responsible parties for the non-compliant conditions.

  • Was the service provider only called upon to install a specific product?
  • Was the service provider limited by the owner of the property to only do a specified job?
  • Did the service provider make the owner aware of the deficiencies of the installation prior to, during or after the work was performed?
  • Did the service provider attempt to make the installation current standard compliant, but was told not to?
  • What portion of the installation was the service provider involved with? For example, the service provider was contracted by a general contractor and told to specifically provide a portion of the products required to make the installation compliant. The representations made by the general contractor was that the general would place all signs when the project was turned over to the owner, the general would have appropriate pavement warnings painted and placed when the paving was completed, and the general would install a dedicated walk way for pedestrians at a later date.

If the service provider acted in a trade appropriate manner, fulfilled all duties and obligations informing the owner or management of the non-compliant conditions encountered, that service provider has met the industry standard of care. In that case, the service provider is not responsible for a non- compliant control arm installation.



This condition has been seen so many times that multiple injuries were caused in the exact same way. In several past claims, a pedestrian was essentially forced to walk under a parking control arm because there was no other way to exit the lot or garage space. There was no dedicated pedestrian walkway, no openings in a fence, no indicated paths for people to exit, no special stairways or other means of egress, and in those cases, the control arm was unavoidable. In other claims, a remotely operated control arm, that was activated by a guard in an adjacent hut came down upon several pedestrians due to the guard being careless. The gate was routinely in an upright position, the guard never meant to have the gate close upon the pedestrians, yet the injury took place as a direct result of the guard’s negligence.


A group of pedestrians walking into a concert venue walked under a control arm, which came down just as they walked under it. There was plenty of space on either side of the control arm, but there was no signage or painted warnings on the pavement showing where the arm could come down.

A pedestrian going to work in a hospital, caused her own injury. She watched as a car went through the control arm entry point and did not realize that the gate would close upon her. In her deposition statements she said she thought that the arm would stay up because she had seen other people walk through the same opening in the past without the arm descending. There was a dedicated walkway a few feet away from where this incident occurred, going through the vehicle path was a shortcut that saved a few steps and caused her major injury.

Tenant of an apartment complex gets hit with control arm gate after helping a neighbor gain access when the neighbor had forgotten her card key access pass. The injured party stood adjacent to the control arm, swiped her access card, watched her friend drive through the opening and then without thought proceeded into the lot following the car. Once the car cleared the magnetic loops, the arm descended as designed, only it struck the tenant, knocking her out only seconds after her good deed.


Control arms are designed for restricting the flow of vehicles into or out of a location that desires regulation of traffic. The equipment functions based upon activation signals received as described above. Access points that have control arms are not intended for pedestrian traffic at any time. While most vehicles are metallic, most pedestrians are non-metallic. The machines that operate these control arms are dumb robots without any capabilities of intervention in the event of a non- conforming use. A pedestrian attempting to walk through a parking control arm location is a non- conforming use, and there must be some common sense exercised when assessing an interaction with any robotic machine.


All owners that have public, commercial, or residential community properties can expect usage by thousands of different people. If proactive maintenance and evaluation of the location setting as well as the condition of the equipment that people interact with is made routinely, an owner can take the needed steps to keep the property in a reasonably safe condition. An owner should enlist the services of qualified and competent service providers to make certain that all access control arms are properly functioning, and the site is totally compliant. If an owner takes responsibility and hires professional service providers to make a property fully compliant, that owner has met his obligations to all invitees of the property. Failing to proactively evaluate a potentially dangerous condition is negligent. Maintenance saves money in the long run. Keeping equipment of all kinds in good condition is responsible and indicates good ownership. Safety to all invitees should be of prime importance to a concerned owner.


Magnetic induction flux loop: A wire of specific size and design placed below the pavement surface to create a magnetic field which is altered when a metal object (vehicle) is in proximity or on top of the wire field.

Ticket Spitter: A printing device used to dispense parking tickets to patrons of a parking lot. Manual (push button by user) or automatic (triggered by presence of vehicle on top of magnetic loop in ground), records date and time of entry onto a paper ticket and then when removed from the slot activates a control arm mechanism to gain access into the lot.

Control arm device: All electronic and mechanical equipment combined to allow a gate arm to raise and lower.

Approach loop: Magnetic loop placed in ground to trigger activation of a control device.

Safety Loop: Magnetic loop placed directly under the path of a parking control arm to protect vehicles from impact by a descending gate arm when the zone is occupied by a vehicle.

Egress loop: Magnetic loop placed in ground to hold a control device in the open position until the area can be cleared. Usually in place in high traffic or cross traffic locations.

Megohm meter (Megger): An electronic meter designed to determine resistance in millions of ohms, relevant to this article, checking for leakage due to the breaking down of insulation on in ground magnetic flux loop wires used to control parking control arm actions.

Zone of Danger: The area immediately under the path of a descending parking control arm and any immediate area where a pedestrian could be struck by a descending arm without notice.

How To Use, The DRINK, Of Planning A Home Purchase?

Many of us, decide, it’s time, to enjoy, the major component of the so – called, American Dream, which is, buying a home, of one’s own. In order to make the wisest, possible decision, and smartest approach, which will work for you, it might make sense, to understand fully, and follow/ use, the DRINK of wisely, purchasing a house. This concept, combines a well – considered, determination of your true needs, future considerations, economic realities, and, your personal comfort zone. With that in mind, this article will attempt to, briefly, review, examine, consider, and discuss, using the mnemonic approach, what this means and represents, and how it might help one, achieve this dream (and avoid having a nightmare, instead).

1. Delve deeply; down – payment/ closing costs; determine: Go beyond the surface, and avoid any, rush, to judgment! This requires a willingness to delve deeply, and determine, whether you are financially, and emotionally, prepared, with becoming a homeowner. Begin, by knowing, if you will be able to afford the down – payment, and closing costs, but, avoid the possibility of becoming house – rich, but, in, over – your – head!

2. Real estate; reserves; relief: Shouldn’t any real estate purchase, you make, focus on, and emphasize, providing you, with meaningful, reliable, relief? Begin, in a prepared way, and ensure, you have all the necessary funds, including, those, for several types, and varieties of reserves. Some of these, should be, for emergencies, such as income interruption, while others, must be, for maintenance, repairs, renovations, appliances, and other home systems, etc.

3. Intentions: Begin, by focusing on your personal intentions, especially, as they relate, to how long, you plan, to live, at the specific house. Are you hoping, to make this, your home – for – life, or, do you consider it, a starter – house, and/ or, stepping – stone? Examine, whether this makes sense, in terms of your personal needs, priorities, and economic realities!

4. Neighborhood; needs: Why have you selected the specific location, of this house? Have you closely, examined, and considered, both, the strengths, and weaknesses of the region, area, neighborhood, etc, in terms of fulfilling your needs, especially as they relate, to conveniences, shopping, transportation, safety, and security?

5. Knowledge: Prepare thoroughly, and determine, whether it’s the right place, for you, now, and into the foreseeable future! Have the knowledge, and/ or acquire it, so you are best able, to proceed, wisely!

Making a smarter decision, in terms of purchasing a house, means following the DRINK of planning properly. Since, for most, the value of their home, represents their single – biggest asset, doesn’t it make sense, to proceed, wisely?

Negative Thinking Balances Your Decision

Worrying is different from thinking. Worrying dwells on bad thoughts created from one conceptual situation, while thinking is processing useful judgment to avoid the unfavorable situation. Many people keep on telling to avoid negative thinker because they attract negative vibes. I am not disparaging the good side of positive attitude and optimism, what I want to emphasize is to try looking at the other views of a person labeled as a negative thinker. In the law of attraction, we are manipulating our mind to create things eventually so it depends on a person’s mind on what he thinks to materialize them into reality, but the law of attraction is realizable if you take action to put all things the way you want it to be. You could serve as a driving force to others by sending out your opinion, feeling, and attracting back more of what you have planned. Your action will either create a good or bad outcome from your decisions.

With all due respect to people trying to avoid negative thinker, I am more challenged by someone saying a contrary outcome, I understand what they are dealing with, and they are just being a defensive pessimist. Individuals behaving in defensive pessimism are strategically preparing themselves how to handle uneasiness or discomfort to an uncertain outcome. There have been many “ifs” and “buts” on their minds to make a clear decision just like when making a computer program flowchart, they stop and logically process what is inside the decision box that there is certain action if you decide to go here and there. When they are in defensive thinking, low expectations would arise in a way they plan of what action to do to avoid the uncertain events. In doing this, is helping them to prevent anxiety overcomes their feelings.

Negative people are well aware of the possible problem and thinking ahead would lead them for possible actions to avoid worst-case scenarios.

There are two kinds of negative thinker:

  • A negative thinker with the same trait as with positive thinker. These people are thinking of imaginary events but the traits they both apply are doing nothing and just wait until the situation comes, they do not have a systematic plan to solve or mitigate the unpleasant situation.
  • A negative thinker with a solution to apply. This kind of person is thinking ahead what might be the problem and from imaginary thoughts, he will plan activities to solve or alleviate the problem.

Here is where things get fascinating about a negative thinker: A defensive pessimist heard the news that he must register his job position in an authorized committee to renew his residential identity card in a foreign country. His thought flooded with many “ifs” even though not sure if his job position is included among the professions to be registered, in no time he immediately applied for a Special Power of Attorney for a family member and sent this to his home country to get all his credentials as requirements to be submitted to the committee. When the time comes to renew his residential identity. He had now on his hands all the supporting documents and timely submitted this to the committee; the hassle of chasing time to prepare all the documents are being replaced by convenience.

In one occasion, he read news about the possible nationalization scheme as a new policy. All expatriates will be replaced by its local citizens, even though not sure that his job position is included among the list of professions to be replaced, he created plans on how to abate his worries about filling the gaps of years will be lost in his retirement years. He started to save money every payday and sent it back home to deposit in the bank or investing it in government bonds. In just a few years, his money earned interest and as expected the nationalization scheme came, without any hesitation, he accepted his fate and went home with his family with enough savings to sustain a family business.

Negative thinkers deal with realism and rationalism because they behave toward the actual situation, gathering information and taking conscious action. While being positive thinker dwells on being complacent with the imaginary concept until it is too late to suppress the bad outcome.

When events are not yet sure to happen, be specific on your goals and try to get in touch with reality because it will probably fall somewhere in between. Beyond positive and negative retrospect, planning is best to get you through countless roadblocks. If someone tells you to set your mind positively, acknowledge and warn them that negative thinker is another friend reminding you to anticipate possible outcomes before the situation controls you.

If Your Marketing Isn’t Offensive, It Must Be Defensive

Are you trying to attract everyone to your office?

Anyone and everyone in the world?

I really hope you said no to that. Otherwise this needs to be a bigger conversation.

For one thing, not everyone could use your services. If nothing else, there are language barriers. Geographical ones too, probably.

Then there are millions of folk who don’t want what you offer. Never have, never will.

Then there are those who might want what you provide… but you don’t want to provide it. The clear mark of an amateur is they want to work with everyone. Professionals are more selective.

Which means you aren’t trying to appeal to everyone.

But how much are you doing to dissuade anyone?

If there’s a certain sort you don’t want to work with (or you know won’t want to work with you), then you could ignore them.

Or you could actively repel them.

Be so offensive in their eyes (and their eyes alone – you don’t want to offend everyone) they’ll turn tail and run at top speed.

If they’re going to say no anyway, you might as well save yourselves both time.

But here’s the strange thing:

Folk who you want to work with – your ideal clients – will notice.

They’ll see you specialise in people like them, which gives a rational reason why they want to hire you.

It also creates emotional ones too.

Let’s say you’re a coach who expects (nay, demands) a lot from your clients. You push them hard, beyond their limits.

And you get results.

You can’t help lazy, unmotivated folk. It takes someone driven, focuses and hungry to work with you.

So your ads make it clear you aren’t there to handhold or talk about their mother. Anyone who hires you ends up hating you at some stage. You don’t care, because you know to break their limitations means breaking their mind.

Any unmotivated losers can find someone else to validate their excuses.

Your nightmare clients should read your ads and feel offended.

Your ideal clients, though?

The ones who do want to work hard?

Who are hungry – desperate, even – to outperform everyone, including themselves?

They’ll read that and think:


Finally, a real coach – someone able to do what needs doing.

And the more you offend the lazy losers, the more appealing you become to high performers.

They’ll see that you get them. For any business, you want customers to feel understood. For something as relationship-heavy as coaching, though, it’s essential.

It’s a fine line, though. You need to attract a certain level of controversy without alienating everyone.

And you need to be clear on who your ideal clients are – and aren’t.

If you’re at all hazy on these, or how to use them in your marketing, then it’s worth us having a long conversation on this.

Are You Curious About The Hoopla Regarding HEMP CBD?

Are you curious about all the hoopla with Hemp CBD? Here’s a minuet part of the enormous amount of information I’ve learned researching Hemp CBD.

The financial industry suggests that it’s even more lucrative than the California gold rush that lasted from January 24, 1848 through 1855. A new study done by Forbes suggests that Hemp CBD market could reach 20 Billion Dollars by 2024.

The medical community is quietly waiting to see what happens with pharmaceutical aspects of this phenomenon. “A WebMD article says that The U.S. Food and Drug Administration took a good look at the safety and effectiveness of CBD products as it weighs how to best regulate the hemp-derived compound going forward.”

CBD is a type of cannabinoid with over 100 different cannabinoids found throughout Hemp plants.

According to echoconnection.org “Cannabidiol, also known as CBD, is among the most abundant of all the cannabinoids. It’s found in all varieties of cannabis but dominates the makeup of Hemp plants.”

Hemp Oil and CBD Oil both are made from the same plant though. Hemp oil is very beneficial containing a lot of antioxidants and omega 3 and 6 fatty acids. Hemp oil is normally pressed from the seeds of the hemp plant, which means it does not contain the same amount of cannabinoids found in CBD oil or Hemp Extract which are extracted from the whole plant.

Is CBD Hemp legal? “Entrepreneur VIP contributor John Rampton writes, “The 2018 Farm Bill legalized Hemp and Hemp-derived products on a federal level. The DEA (Drug Enforcement Agency), CBD oil from hemp is no longer a Schedule 1 controlled-substance, or drug. Per section 10113 of the Farm Bill, Hemp cannot contain more than 0.3 percent THC by weight.”

Are you still curious about this phenomenal Hemp Plant? CBD oil uses the whole plant, while hemp oil comes from its seeds. CBD oil is made from a variety of parts of the mature hemp plant including its stalks and flowers. In order to get CBD and other compounds from the plant, they must be separated in a process called extraction

Education is the key to using CBD for health issues or for marketing or investing in the HEMP CBD Industry.

However, I have personally witnessed some of the health benefits and the safety of CBD, Regardless of how it’s presented, HEMP CBD Oil has played an important role in my life.

If you do decide to try the health benefits of Hemp CBD Oil, just be aware that all CBD is not the same. Do your home-work. Find a good grade before you buy.

Disclaimer. The information in article is from my research and the facts about this HEMP CBD phenomena are slowing emerging.

How to Protect Your Business From a Cyber Attack

What is your chief worry when it comes to business?

Ask any business owner and it is VERY likely that you will get the same response: cyber attacks!

Cyber attacks consistently remain the primary concern of most company owners.
And there is good reason for that.

Contemporary research concluded that in 2018 there were triple the amount of medical industry computer data breaches in the medical industry than the previous year, with more than 15 million medical records exposed!

An independent 2019 inquiry led researchers to these findings: there were 1,200-plus data breaches leaving 440 million personal data exposed!

But of all the studies, this conclusion resonates loudest among the average business owner. Fifty-eight percent of the total amount of 2018 cyber attacks were aimed at small business corporations. Swallow that statistic along with another one: data breach recovery expenses averaged about $385,000. all Perhaps most noteworthy is the same year’s Data Breach Investigations Report conducted by Verizon: 58 percent of all cyber attacks were directed towards small business, with recovery costs at an average of close to $385,000.

What can a company – large, small or medium-sized – do to shield itself from becoming the target of a cyber attack? Aside from technical and learned safety tactics, a related insurance policy can be the catalyst of assistance to climb out of the mess created by hackers – with the coverage paying for associated losses.
Here are just a couple of associated claims examples that prove the point.

Two Data Breach Insurance Claim Scenarios

Ransomware Coverage

An employee working in one of the departments of a global agency accidentally opened an email that exposed the business computer system to a virus, possibly impacting up to six hundred and sixty servers all around the world.
The agency chartered a global IT forensics enterprise to deal with the misfortune. This included getting the ransom amount that the hacker demanded, negotiating with the criminals and completing a forensic investigation.

After the IT forensics team got the hackers to go down from the first ransom demand of $540,0000 to $450,000, insurance coverage stepped in, paying the ransom, allowing the decrypting to move forward.

Negligence Coverage:
A patient was livid when she discovered a nurse employed at the doctor’s practice where she had been treated exposed her medical records. She accused the nurse of passing on her private medical records as well as her personal data to other people. Adding insult to injury, said the patient, was that the nurse altered the records to include false information meant to humiliate her.
The doctor’s office issued a statement that there is a standing policy of not allowing access and disclosure of patient information. Nonetheless, the nurse had crossed the lines of professional creed set down by the medical practice.
The matter was resolved by a 5 digit out-of-court settlement which the insurance company covered.

Article Source: http://EzineArticles.com/10146861

Gun Safety: It’s The Guns, Folks!

More Americans have died from gun wounds, so far this year, than days, which have elapsed! Let that sink in! There have been more gun – related fatalities, than Americans, who have died, in Afghanistan, etc, combined! How many more horrific tragedies, must we endure, before we demand, responsible, responsive, sane, gun control, safety measures, in order to reduce the number of these fatalities, and injuries? Supporters of the status quo, defend their positions, by invoking their supposed, 2nd Amendment rights, the One Good Man With A Gun theory, blaming mental illness, and/ or violent video games/ entertainment, and/ or, any other justifications, they can think of, to defend their positions. They proclaim, Guns don’t kill people, people do, but omit the significant ending of the sentence, which should be, People with guns do. With that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, some of these exclamations, and explain, why this article is titled, Gun Safety: It’s The Guns, Folks!

1. 2nd Amendment Rights: How often have we heard someone invoke their defense of guns, and their personal right, to bear arms, by invoking their 2nd Amendment Rights? When this Amendment was written, in the 1770’s, the United States was a new nation, with 13 states, located, predominantly along the Atlantic Ocean. The fear of being attacked on their coast, by foreign invaders, created the reasons for this, and, referred, according to experts, not to an individual’s rights, but, rather to, States Rights, to bear arms, in order to build their own militias. Remember, weapons, then, were single – shot guns, and the Founding Fathers, certainly, did not envision, today’s multi – shot, assault – style guns!

2. One Good Man With A Gun: Those opposing gun control measures, often, proclaim, if we limit guns, only the criminals will own them. They state, one good man with a gun, would be the greatest prevention against the bad – guys, but, statistics indicate otherwise!

3. Blaming Mental Illness: President Trump seems to have little to no difficulty, blaming people of color, or certain ethnicities, when/ if, it is convenient to do so. However, when the shooters do not fit his agenda, he, and his cronies, often blame it, on mental illness! History, data, and other nation’s reduced amounts of occurrences, seem to state, this may be a convenient excuse, but not a realistic one!

4. Blaming violent video games/ entertainment: If violent video games, were the primary cause of these occurrences, Japan, which has the largest number of video gamers, would have many more shootings, which they do not!

5. Parenting: According to this theory, American parents, and parenting, must be far worse, than anywhere else, in the world!

Wake up, America, because, how many more innocent people, need to die, before we take some real action? If any of the excuses, mattered, our statistics would not be, so much worse than anywhere else, in the world. The significant difference, is the ease, of access, to guns!