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    CeMAP Training and Careers
    CeMAP training is the key to the door for a career as a mortgage adviser. But are those doors now closed? Or is there still opportunity for someone who has recently completed their CeMAP training? For anyone looking at the CeMAP qualification for the first time, the answers to these questions are a vital part of the decision making process. After all, why embark on CeMAP training if there is a diminishing chance of a job at the end of the road?These questions have recently been the topics for discussion in the mortgage industry trade magazine Mortgage Introducer. The most compelling information in the article was that the average age of mortgage advisers in the UK is 50 plus. Of course, in this statistic there will be a number of advisers in their 20’s, 30’s and 40’s but there will be a corresponding number in their late 50’s and early 60’s. And this statistic is what is terrifying those in the industry.Simply put, there are a large number of advisers approaching retirement age, and a severe shortage of people undertaking CeMAP training to come into the industry. As one industry insider described the situation, “The lack of ne
    the more consistent and the stronger they will become. You will have truly discovered your "invisible means of support."

    On my website, there are specific examples of how listening to my inner guidance brought successful results to my business. Again, in the section entitled Amazing, review "The Universe - My Marketing Department" and "The Universe - My Talent Agency".

    (3) Attitude of Gratitude. You have heard that over and over again, haven't you? But do you live it? Well, start now. The "attitude of gratitude" is one of the greatest - perhaps THE greatest - spiritual principle that can be applied to attain happiness, inner peace, health and financial prosperity. But there is an aspect of gratitude that most people do not know about. It is easy to be grateful for what you already have. But can you be grateful for what you don't yet see?

    Prior to Thanksgiving, I held a Holiday conference call on "Gratitude" in which I discussed how gratitude is the precursor to successful results and how you can acquire gratitude when there are appearances to the contrary. You may listen to this call free on the Feel Free to Prosper Network.

    Start giving thanks NOW for your new clients, your increased business and income, your new job, and inspired new ideas. I promise if you will maintain your state of gratitude, they will come, and often at a speed that will astound you. Give thanks now for the Universal guidance that led you this article that contains truly life-changing elements.<

    Marketing Research Methodologies: How to Make the Right Choice
    The top data collection methods commonly used for conducting marketing research today are telephone and mail surveys, web surveys and interactive voice response (IVR) systems. Though telephone interviewing is used most frequently, another method may be a better choice for your next marketing research project. Consider the advantages among these alternate marketing research methodologies.Web SurveysFor online research, a web survey is programmed into an interactive web-based script. The technology supports both closed and open-ended questions. Web surveys are dynamic and can support multiple brands or product types. Due to this flexibility, only one survey has to be programmed. The code then reads directly from the sample file and either pipes in different text or skips to different questions, depending on the situation.Invitations containing a link to the web survey and login credentials are sent to everyone in the sample file. If the respondent does not finish the survey, they can complete it later by using the same login credentials to re-access the survey. Generally, one or more reminder invitations are sent t
    The foundation of success is in your mind. You do not need to struggle, seek and strive to build your business. You can use mental and spiritual laws to create and attract all the elements that insure success. Wouldn't you love to set your business on "automatic pilot" and enjoy the ride?

    The Law of Reversed Effort

    The application of prosperity principles in business allows us to become aligned with these spiritual laws to learn how to "receive" success instead of "trying" to make it happen.

    Did you know there is a law called the Law of Reversed Effort? It states that the harder you "try" to do something, the less chance you have of achieving it. Trying implies a negative, it suggests to the mind that you may not accomplish. Even Yoda in Star Wars recognized this truth when he wisely said, "We do. There is no try."

    Practical Metaphysics

    My teachings are based on what I call "practical metaphysics".

    First, what do we mean by "metaphysical"? Well, "meta" as used as a prefix in metaphysical, means "comprehensive" or "transcending." Metaphysical is relating to the transcendent or to a reality beyond what is perceptible to the senses. In other words, a study of what is outside objective experience. This includes aspects of the mind and spirit.

    My definition of practical metaphysics is the study and application of these transcendent principles from methods that appeal to our "real world" senses, techniques that we can understand and utilize with ease - in other words, a simple approach that assures our practical application of these profound laws. We take the mystery and speculation out of these principles and instead concentrate on putting them to use - a nuts and bolts approach.

    I believe that there are a great number of people who have read and studied and are well informed about spiritual matters and metaphysical laws but who have not been able to take these ideas from their intellect and incorporate them mental and emotionally to put them into practice.

    The Universe Is My Marketing Department

    Now, this study in no way discounts the marketing techniques and tools taught by the visible world's marketing experts. What I am doing here is helping you lay the foundation for a mindset that will allow you to use those tools if you so choose, and succeed with them. The fact is that all of the marketing and business know-how in the world will not result in your success unless you first have the mindset to succeed. A house cannot stand without a proper foundation. And once you create that foundation, you will automatically be guided to the appropriate methods and means that will result in your success. You will find as I did that the Universe is truly the greatest marketing department you could ever hope for, and the possibilities are unlimited. You can experience the guidance of an unseen hand, know what it feels like to live a charmed life, and realize that you have an invisible means of support.

    How do I know so much about succeeding through a metaphysical approach? On the Feel Free to Prosper website in the section entitled Your Mentor you will see in full color many of my accomplishments using these laws - fruits of my metaphysical labors - and in the section Amazing you can review the stories of how I created some amazing successes using these principles in my business in over a 20-year span that includes the present. My business clients are the world's largest corporations. Here is a secret that you may find hard to believe: I have never looked for a client. They have always found me.

    Nothing Impersonal

    It doesn't matter if you are a company owner, business executive, entrepreneur, creative talent, network marketer, home based business, investor, employee, or in transition looking for your true place in life. The laws are impersonal and will work for everyone.

    Here is why you should learn and apply prosperity principles:

    (1) To uplift and raise your awareness to a level of consciousness that empowers and connects you to the Universal source from which ALL good flows.

    (2) To apply this awareness specifically to the marketing and success of your business, skills and talents.

    (3) To come to the absolute realization that you are not alone and that you have all the creative power of the Universe ready to inspire you and guide you to success if you will only recognize and acknowledge it.

    (4) By becoming a part of the prosperity vibration, you will know exactly what to do. Your Universal marketing department will inspire you to do exactly what you need to do.

    Okay, Let's Have Some Nuts and Bolts

    (1) Watch Your Speech. The above can be accomplished only through the use of positive and life-affirming language. Do not doubt it for a minute. The words you think, speak (and hear) are recorded in your subconscious mind and will produce circumstances that correspond to your thoughts and speech. If you want a successful business or career, you MUST resist the habit and temptation of speaking about the lack of business or clients or jobs. I tell my students, "If you don't want it, don't say it." Even if you feel like you are lying to yourself (or others), continue to speak in positive terms about your business and affairs. As you persist in speaking successful words, your subconscious will accept the new ideas and you will discover that the "lies" are becoming a new and very tangible reality. But it always first begins in mind. Never forget this.

    (2) Start Listening. As you develop positive thought and speech patterns, you will begin to clear the debris and static in your subconscious that has prevented you from tuning in and listening to your intuitive promptings. Practice paying attention now to those promptings, the hunches, the feelings, the "still small voice" that subtly urges you to do something. As you practice listening and following through on these hunches and the more you discover that they lead to successful results, the more consistent and the stronger they will become. You will have truly discovered your "invisible means of support."

    On my website, there are specific examples of how listening to my inner guidance brought successful results to my business. Again, in the section entitled Amazing, review "The Universe - My Marketing Department" and "The Universe - My Talent Agency".

    (3) Attitude of Gratitude. You have heard that over and over again, haven't you? But do you live it? Well, start now. The "attitude of gratitude" is one of the greatest - perhaps THE greatest - spiritual principle that can be applied to attain happiness, inner peace, health and financial prosperity. But there is an aspect of gratitude that most people do not know about. It is easy to be grateful for what you already have. But can you be grateful for what you don't yet see?

    Prior to Thanksgiving, I held a Holiday conference call on "Gratitude" in which I discussed how gratitude is the precursor to successful results and how you can acquire gratitude when there are appearances to the contrary. You may listen to this call free on the Feel Free to Prosper Network.

    Start giving thanks NOW for your new clients, your increased business and income, your new job, and inspired new ideas. I promise if you will maintain your state of gratitude, they will come, and often at a speed that will astound you. Give thanks now for the Universal guidance that led you this article that contains truly life-changing elements.<

    Illegal Aliens and the Carwash Business Discussed
    Most people are well aware of those businesses in the United States of America who routinely hire illegal aliens and illegal immigrants who have snuck over the US-Mexican border and come to our great nation illegally. In fact most people can rattle off 5 or 6 industries where illegal aliens typically work and most US citizens are well aware of why these employers are hiring them and about the average wage these people work for.Most Americans realize that the business owners exploit and degrade these people to attain higher profits for themselves and do so knowing that they are hiring illegal aliens who are a severe burden on the taxpayer, yet do not care, as they only see their own short term profits and do not care about the United States of America, our economy or your children’s future with no social security, a government in severe debt and a country in ruin.Most people are also aware that there are illegal aliens and illegal immigrants working at their local carwash, yet they say nothing, even though their car wash owner there is one of those greedy human rights exploiters who is allowing these illegal aliens a reason to
    with ease - in other words, a simple approach that assures our practical application of these profound laws. We take the mystery and speculation out of these principles and instead concentrate on putting them to use - a nuts and bolts approach.

    I believe that there are a great number of people who have read and studied and are well informed about spiritual matters and metaphysical laws but who have not been able to take these ideas from their intellect and incorporate them mental and emotionally to put them into practice.

    The Universe Is My Marketing Department

    Now, this study in no way discounts the marketing techniques and tools taught by the visible world's marketing experts. What I am doing here is helping you lay the foundation for a mindset that will allow you to use those tools if you so choose, and succeed with them. The fact is that all of the marketing and business know-how in the world will not result in your success unless you first have the mindset to succeed. A house cannot stand without a proper foundation. And once you create that foundation, you will automatically be guided to the appropriate methods and means that will result in your success. You will find as I did that the Universe is truly the greatest marketing department you could ever hope for, and the possibilities are unlimited. You can experience the guidance of an unseen hand, know what it feels like to live a charmed life, and realize that you have an invisible means of support.

    How do I know so much about succeeding through a metaphysical approach? On the Feel Free to Prosper website in the section entitled Your Mentor you will see in full color many of my accomplishments using these laws - fruits of my metaphysical labors - and in the section Amazing you can review the stories of how I created some amazing successes using these principles in my business in over a 20-year span that includes the present. My business clients are the world's largest corporations. Here is a secret that you may find hard to believe: I have never looked for a client. They have always found me.

    Nothing Impersonal

    It doesn't matter if you are a company owner, business executive, entrepreneur, creative talent, network marketer, home based business, investor, employee, or in transition looking for your true place in life. The laws are impersonal and will work for everyone.

    Here is why you should learn and apply prosperity principles:

    (1) To uplift and raise your awareness to a level of consciousness that empowers and connects you to the Universal source from which ALL good flows.

    (2) To apply this awareness specifically to the marketing and success of your business, skills and talents.

    (3) To come to the absolute realization that you are not alone and that you have all the creative power of the Universe ready to inspire you and guide you to success if you will only recognize and acknowledge it.

    (4) By becoming a part of the prosperity vibration, you will know exactly what to do. Your Universal marketing department will inspire you to do exactly what you need to do.

    Okay, Let's Have Some Nuts and Bolts

    (1) Watch Your Speech. The above can be accomplished only through the use of positive and life-affirming language. Do not doubt it for a minute. The words you think, speak (and hear) are recorded in your subconscious mind and will produce circumstances that correspond to your thoughts and speech. If you want a successful business or career, you MUST resist the habit and temptation of speaking about the lack of business or clients or jobs. I tell my students, "If you don't want it, don't say it." Even if you feel like you are lying to yourself (or others), continue to speak in positive terms about your business and affairs. As you persist in speaking successful words, your subconscious will accept the new ideas and you will discover that the "lies" are becoming a new and very tangible reality. But it always first begins in mind. Never forget this.

    (2) Start Listening. As you develop positive thought and speech patterns, you will begin to clear the debris and static in your subconscious that has prevented you from tuning in and listening to your intuitive promptings. Practice paying attention now to those promptings, the hunches, the feelings, the "still small voice" that subtly urges you to do something. As you practice listening and following through on these hunches and the more you discover that they lead to successful results, the more consistent and the stronger they will become. You will have truly discovered your "invisible means of support."

    On my website, there are specific examples of how listening to my inner guidance brought successful results to my business. Again, in the section entitled Amazing, review "The Universe - My Marketing Department" and "The Universe - My Talent Agency".

    (3) Attitude of Gratitude. You have heard that over and over again, haven't you? But do you live it? Well, start now. The "attitude of gratitude" is one of the greatest - perhaps THE greatest - spiritual principle that can be applied to attain happiness, inner peace, health and financial prosperity. But there is an aspect of gratitude that most people do not know about. It is easy to be grateful for what you already have. But can you be grateful for what you don't yet see?

    Prior to Thanksgiving, I held a Holiday conference call on "Gratitude" in which I discussed how gratitude is the precursor to successful results and how you can acquire gratitude when there are appearances to the contrary. You may listen to this call free on the Feel Free to Prosper Network.

    Start giving thanks NOW for your new clients, your increased business and income, your new job, and inspired new ideas. I promise if you will maintain your state of gratitude, they will come, and often at a speed that will astound you. Give thanks now for the Universal guidance that led you this article that contains truly life-changing elements.<

    Entrepreneurs: Business - Not By Default - By Design
    Design is a vital component of my business.It struck me the other day when I looked closely at how my business operates and appears in public. I find that nothing I do is left to happen randomly. I design, I plan and project, I piece together, stand back and look. I go back and change things around.For example: I chose a colour for my office, it was yellow, because yellow stimulates thinking. When I need to design and develop ideas I go to another room, with a wide window overlooking a mountain, with a board to capture ideas, with music and different sources of light to create varied atmospheres to stimulate ideas creation. When I decide to have some thinking time, I will light a special tea tree flavoured incence.Design not only covers my business card and my logo- or my website for that matter. It involves how I present myself, what I talk about, who my business partners are, what I get involved in and how I choose to contribute to my community.For example: I choose my clothes very carefully, (“That’s what all women do,” – I can hear you
    about succeeding through a metaphysical approach? On the Feel Free to Prosper website in the section entitled Your Mentor you will see in full color many of my accomplishments using these laws - fruits of my metaphysical labors - and in the section Amazing you can review the stories of how I created some amazing successes using these principles in my business in over a 20-year span that includes the present. My business clients are the world's largest corporations. Here is a secret that you may find hard to believe: I have never looked for a client. They have always found me.

    Nothing Impersonal

    It doesn't matter if you are a company owner, business executive, entrepreneur, creative talent, network marketer, home based business, investor, employee, or in transition looking for your true place in life. The laws are impersonal and will work for everyone.

    Here is why you should learn and apply prosperity principles:

    (1) To uplift and raise your awareness to a level of consciousness that empowers and connects you to the Universal source from which ALL good flows.

    (2) To apply this awareness specifically to the marketing and success of your business, skills and talents.

    (3) To come to the absolute realization that you are not alone and that you have all the creative power of the Universe ready to inspire you and guide you to success if you will only recognize and acknowledge it.

    (4) By becoming a part of the prosperity vibration, you will know exactly what to do. Your Universal marketing department will inspire you to do exactly what you need to do.

    Okay, Let's Have Some Nuts and Bolts

    (1) Watch Your Speech. The above can be accomplished only through the use of positive and life-affirming language. Do not doubt it for a minute. The words you think, speak (and hear) are recorded in your subconscious mind and will produce circumstances that correspond to your thoughts and speech. If you want a successful business or career, you MUST resist the habit and temptation of speaking about the lack of business or clients or jobs. I tell my students, "If you don't want it, don't say it." Even if you feel like you are lying to yourself (or others), continue to speak in positive terms about your business and affairs. As you persist in speaking successful words, your subconscious will accept the new ideas and you will discover that the "lies" are becoming a new and very tangible reality. But it always first begins in mind. Never forget this.

    (2) Start Listening. As you develop positive thought and speech patterns, you will begin to clear the debris and static in your subconscious that has prevented you from tuning in and listening to your intuitive promptings. Practice paying attention now to those promptings, the hunches, the feelings, the "still small voice" that subtly urges you to do something. As you practice listening and following through on these hunches and the more you discover that they lead to successful results, the more consistent and the stronger they will become. You will have truly discovered your "invisible means of support."

    On my website, there are specific examples of how listening to my inner guidance brought successful results to my business. Again, in the section entitled Amazing, review "The Universe - My Marketing Department" and "The Universe - My Talent Agency".

    (3) Attitude of Gratitude. You have heard that over and over again, haven't you? But do you live it? Well, start now. The "attitude of gratitude" is one of the greatest - perhaps THE greatest - spiritual principle that can be applied to attain happiness, inner peace, health and financial prosperity. But there is an aspect of gratitude that most people do not know about. It is easy to be grateful for what you already have. But can you be grateful for what you don't yet see?

    Prior to Thanksgiving, I held a Holiday conference call on "Gratitude" in which I discussed how gratitude is the precursor to successful results and how you can acquire gratitude when there are appearances to the contrary. You may listen to this call free on the Feel Free to Prosper Network.

    Start giving thanks NOW for your new clients, your increased business and income, your new job, and inspired new ideas. I promise if you will maintain your state of gratitude, they will come, and often at a speed that will astound you. Give thanks now for the Universal guidance that led you this article that contains truly life-changing elements.<

    5 Action Ideas to Deal with Difficult People
    When was the last time you had to deal with a difficult customer? It was probably and external customer but perhaps it was an internal customer, such as a member of your team, a colleague or even - your boss!I'm sure that you always want to provide exceptional service to both your internal and external customers. However, in the real world, things go wrong and mistakes are made. These "customers" will often judge your level of service based on how you respond to a mistake. Do it well and they'll probably forgive you and possibly even say positive things about your business or your abilities to other people.The important thing to realise when dealing with an upset customer, be they internal or external, is that you must - deal with their feelings, then deal with their problem. Upset customers are liable to have strong feelings when you, your product or service lets them down and they'll probably want to "dump" these feeling on you.You don't deal with their feelings by concentrating on solving the problem, it takes more. Here are 5 action ideas that deal with the customers' human needs:1 - Don't
    ctly what to do. Your Universal marketing department will inspire you to do exactly what you need to do.

    Okay, Let's Have Some Nuts and Bolts

    (1) Watch Your Speech. The above can be accomplished only through the use of positive and life-affirming language. Do not doubt it for a minute. The words you think, speak (and hear) are recorded in your subconscious mind and will produce circumstances that correspond to your thoughts and speech. If you want a successful business or career, you MUST resist the habit and temptation of speaking about the lack of business or clients or jobs. I tell my students, "If you don't want it, don't say it." Even if you feel like you are lying to yourself (or others), continue to speak in positive terms about your business and affairs. As you persist in speaking successful words, your subconscious will accept the new ideas and you will discover that the "lies" are becoming a new and very tangible reality. But it always first begins in mind. Never forget this.

    (2) Start Listening. As you develop positive thought and speech patterns, you will begin to clear the debris and static in your subconscious that has prevented you from tuning in and listening to your intuitive promptings. Practice paying attention now to those promptings, the hunches, the feelings, the "still small voice" that subtly urges you to do something. As you practice listening and following through on these hunches and the more you discover that they lead to successful results, the more consistent and the stronger they will become. You will have truly discovered your "invisible means of support."

    On my website, there are specific examples of how listening to my inner guidance brought successful results to my business. Again, in the section entitled Amazing, review "The Universe - My Marketing Department" and "The Universe - My Talent Agency".

    (3) Attitude of Gratitude. You have heard that over and over again, haven't you? But do you live it? Well, start now. The "attitude of gratitude" is one of the greatest - perhaps THE greatest - spiritual principle that can be applied to attain happiness, inner peace, health and financial prosperity. But there is an aspect of gratitude that most people do not know about. It is easy to be grateful for what you already have. But can you be grateful for what you don't yet see?

    Prior to Thanksgiving, I held a Holiday conference call on "Gratitude" in which I discussed how gratitude is the precursor to successful results and how you can acquire gratitude when there are appearances to the contrary. You may listen to this call free on the Feel Free to Prosper Network.

    Start giving thanks NOW for your new clients, your increased business and income, your new job, and inspired new ideas. I promise if you will maintain your state of gratitude, they will come, and often at a speed that will astound you. Give thanks now for the Universal guidance that led you this article that contains truly life-changing elements.<

    Getting Your Services Used
    Every day I talk with professional service providers who do great work, have a valuable service that really helps people…and struggle to get their services used as much as they’d like.They get a lukewarm response after an initial conversation while networking, the referrals come in but don’t convert to real business as often as they’d like, and they can’t seem to get prospects to see them as that much better than other professionals offering similar services.Or they may get some attention from prospects as a result of an ad, published article, or speech…but then the early attention kind of fizzles into phone tag and no real client, in the end.So what’s the problem? In most cases, they’re not getting far enough with the prospect to reveal the quality of their work…so it’s not about their professional work. And some professionals DO have decent positioning and credibility-building things in place like client testimonials and case studies on their websites (although the latter -- done effectively – is rare, unfortunately).There are a lot of things that can go wrong in the marketing and sales process. But in most ca
    the more consistent and the stronger they will become. You will have truly discovered your "invisible means of support."

    On my website, there are specific examples of how listening to my inner guidance brought successful results to my business. Again, in the section entitled Amazing, review "The Universe - My Marketing Department" and "The Universe - My Talent Agency".

    (3) Attitude of Gratitude. You have heard that over and over again, haven't you? But do you live it? Well, start now. The "attitude of gratitude" is one of the greatest - perhaps THE greatest - spiritual principle that can be applied to attain happiness, inner peace, health and financial prosperity. But there is an aspect of gratitude that most people do not know about. It is easy to be grateful for what you already have. But can you be grateful for what you don't yet see?

    Prior to Thanksgiving, I held a Holiday conference call on "Gratitude" in which I discussed how gratitude is the precursor to successful results and how you can acquire gratitude when there are appearances to the contrary. You may listen to this call free on the Feel Free to Prosper Network.

    Start giving thanks NOW for your new clients, your increased business and income, your new job, and inspired new ideas. I promise if you will maintain your state of gratitude, they will come, and often at a speed that will astound you. Give thanks now for the Universal guidance that led you this article that contains truly life-changing elements.

    (4) Your Business or Job Is NOT Your Source of Income. I'll bet you read that again. But that's right. Your business is not your source of income. Your clients are not your source of income. Your job is not your source of income. Even your savings or investments are not your source of income.

    There is only one source of income. That source is The Source - that Universal intelligence that you may refer to as Universe, God, Infinite Intelligence, Divine Mind, All That Is, The Field of All Possibilities. All of those other avenues are "channels" of income, but they are not the source. Think of it this way. If your kitchen faucet was broken and prevented you from getting water, would that mean there was no more water? Of course not. You could find water at in your bathroom or from any number of other faucets. So you see, the kitchen faucet is not the source of water; it is only one of innumerable channels.

    As soon as you learn to align yourself with, rely on and trust The Source for your income (and clients and jobs and every other good thing you could possibly desire), then all of the channels will be opened for you to receive your good. How many channels? Limitless channels. There are thousands and thousands of channels through which your good can come to you. It is not your job to know them. It is your job to trust your Source and as you do, both expected and unexpected channels will open and clients and jobs and ideas will come to you "out of the blue". So release all ideas that your income and business must be derived from only one particular channel.

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