Tag: 不准不开心上海qm

Onboarding… the board of your credit union

first_imgLife seems to be a series of “firsts.”Your first day of high school. Your first day in a new job. The first day as a parent.Each “first” is followed by a learning curve. Some are steeper than others.It is no different for new board members at your credit union.Perhaps they were familiar with your credit union, but once on the board – they find themselves swimming in deep waters.What is their role? Can they ask questions? What exactly is ROA? How do they turn in expenses? Fiduciary duties?Joining any new organization, especially at the board level, is like sitting down to watch a soap opera for the first time. Story lines and plots abound. There seems to be a rich history and backstory behind every awkward glance. But new participants can get lost, overwhelmed and confused.That’s where onboarding can help. A good onboarding program gives new officials a wonderful foundation on which to build.So, here are some questions:Do you have an onboarding program for new directors? If not, don’t stress. You have nowhere to go but up!If yes, when’s the last time you updated it?Let’s assume you’re building one from scratch. Where would you start?Think about starting with NCUA’s model bylaws. The model bylaws require credit unions to have a board policy that addresses training for newly elected and incumbent directors and volunteer officials. Training should be in areas such as ethics and fiduciary responsibility, regulatory compliance and accounting.Think about your credit union’s history and traditions. New board members need to know where your credit union came from and what makes it special.Think about your operations. New board members need to understand, in a general way, how your credit union works.Think about their role. New board members need to understand their duties, responsibilities and liabilities. Just what is the organization expecting from them?Think about the people. At NAFCU, we like new employees to spend time visiting key leaders within the organization. We encourage them to set up lunches and meetings to meet and learn from others.Think about your existing board. Ask them what they wish they knew more about when they first started. There’s no right or wrong way to establish an onboarding program. And any program is better than none.Shameless plug: NAFCU has onboarding workshops for credit union directors this year. (Learn more about the workshop at our Board of Directors and Supervisory Committee Conference, happening this May in Louisville.)But whether you come to our workshop or not, I urge to create an onboarding program or refresh one if you already have it.It will pay huge dividends, believe me. 14SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Anthony Demangone Anthony Demangone is executive vice president and chief operating officer at the National Association of Federal Credit Unions (NAFCU). Demangone oversees day-to-day operations and manages the association’s education, membership, … Web: https://www.cuinsight.com/partner/nafcu Detailslast_img read more

8 traits of a great leader

first_img ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Hello from Annapolis, Maryland!We’re at NAFCU’s Management and Leadership Institute. Yesterday, more than 110 credit union leaders designed the characteristics of the leader they want to follow – and the leader they want to become.That would be a good list, eh?Communication skills have to be strong.  A great leader needs to be engaging, open-minded, a great listener, transparent, and clear with expectations.They need to be a people person.  Good leaders appreciate their teams. They support and defend their teams. They care for their teams. The develop their teams. continue reading »last_img

Dubrovnik finally develops the program “Winter in Dubrovnik” in a meaningful and connected way

first_imgCONNECTION OF DUBROVNIK – WINTER FLIGHTS The measure refers to the exemption from rent for public areas of caterers who are mainly engaged in serving food (restaurants, taverns, pizzerias) in the historic center, if they perform their activities from 1 December 2019 to 29 February 2020. The leaflet can be downloaded from the TZGD website, as well as in the open Tourist Information Offices of the Dubrovnik Tourist Board, Pile and Gruž, and in all open Dubrovnik hotels.  Also, as pointed out by the Dubrovnik Tourist Board, a Facebook promotional campaign is being conducted in a dozen foreign markets from where the largest number of guests come to Dubrovnik during the winter months, as well as locally for visitors who are in Dubrovnik.  Given the increase in the number of international and domestic flights during the winter months and the interest and growth in the number of visitors, the Tourist Board of the City of Dubrovnik during this winter prepared promotional activities and printed a monthly flyer “Winter restaurants“, Which contains a list of open restaurants, pizzerias and fast food restaurants during the month of December with special working hours, so that guests staying in Dubrovnik are better informed and so that open restaurants are better promoted.  Support for Dubrovnik for this first step towards a complete story, but the real work is just beginning. Starting from the website to expanding the tourist offer to the entire Dubrovnik area through integrated tourist products. Specifically, for example, Pelješac has and offers excellent facilities and products that are chronically lacking in Dubrovnik’s tourist offer, and which complement each other perfectly. That is why, in my opinion, Dubrovnik should use its media and financial power to promote and develop a wider area, not just itself. Because this is where the winning formula lies on how to extend the number of days guests stay in Dubrovnik or Dubrovnik-Neretva County (wherever a guest spends the night, they will certainly visit Dubrovnik one day) as tourist spending increases and most importantly offers quality and authentic content to guests. Content that directly affects the level of guest satisfaction about the overall impression of the destination. This year, the City of Dubrovnik has made a decision to reduce the public area for catering tables and chairs by 10% for all facilities used with 25,00 and more m2. Also, the lease time of public space has been increased to 5 years, which will certainly bring some security to caterers. Of course, the main motive for coming must be content. Thus, the City of Dubrovnik, the Dubrovnik Tourist Board and the Dubrovnik Summer Festival have prepared a cultural, entertainment, gastronomic and music program for visitors of all ages as part of the sixth edition of the Dubrovnik Winter Festival, which will last until January 6, 2020. You can view the leaflet at the following link: Dubrovnik – leaflet with a list of open restaurants during December Dubrovnik brought order to the historic core This whole winter story of Dubrovnik is finally meaningful and connected, but there is certainly still a lot of room for growth. This is only the first step and prerequisite for strategic development and thus long-term success, because tourism and the concept of destination is much more than accommodation and restaurants. Also, in order to extend the tourist season, the City of Dubrovnik has proposed a measure that should stimulate the owners of restaurants in the historic center to work in the winter months. Dubrovnik Winter Festival During the winter season 2019/2020 Dubrovnik will be connected with the most foreign destinations so far, seven to be exact. Dubrovnik can and must do much better A complete tourism product and strategic development is the only right path to sustainable development. A term that in Croatia we are just discovering and learning what it means. But we live in the 21st century where everything is available to us, we have all the potential, prerequisites and resources, and it is up to us to connect all the points well and tell our authentic story. Everyone is fighting for every tourist, both in the global and in a strong and competitive European market, and the winners will be those who are innovative, creative, proactive and those who are primarily engaged in market development. In accordance with the new amendments to the Decision on the lease of public areas in Article 6, a paragraph was added on the exemption from paying rent to caterers in the Historic Center if caterers perform their activity in the “winter” months. Of course, we have high expectations of Dubrovnik as our TOP destination, which must be one of the domestic signposts of how and in which direction to develop. Dubrovnik must be a tourist leader. Thus, Croatia Airlines, in addition to its regular flights to Zagreb, will connect Dubrovnik and Frankfurt, British Airways will connect us with London, and Vueling will connect Dubrovnik with Rome and Barcelona. For the second time in the winter flight schedule, LOT will connect Dubrovnik and Warsaw, Aegean Airlines Dubrovnik with Athens while Turkish Airlines will continue to connect Istanbul and Dubrovnik. Dubrovnik can and must do much better. RELATED NEWS:last_img read more

Two attempted burglaries in Moville linked, confirm An Garda Siochana

first_imgGardaí are investigating the attempted burglary of goods from a public house in Malin Road in Moville on Monday morning. The break-in, which occurred at approximately 4:55am on Monday, was captured on CCTV.Three males, who wearing balaclavas and gloves, smashed in the front door of the premises, activating the alarm and they fled. Gardaí have confirmed they have linked another attempted burglary, which took place at 4:30am on Monday.Two males have been captured on CCTV, forcing entry through office windows after security bars were forced open.Both males were wearing gloves and had their face/head covered.Nothing was taken from either premise. Buncrana Garda is continuing their investigations into the incidents.If anyone has any information to offer that may assist with the investigation then please call Buncrana Garda Station on 074-9320540 or the Garda Confidential line on 1800 666 111.Two attempted burglaries in Moville linked, confirm An Garda Siochana was last modified: July 31st, 2019 by Shaun KeenanShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)last_img read more

Conte on Vidal, Rodriguez, Spurs, Costa, Alonso and more

first_imgChelsea boss Antonio Conte was asked about a number of issues at his press conference ahead of his side’s game against Tottenham. Here is some of what the Italian had to say. Conte on his hopes for the transfer window“For sure there are some positions where, if we are able to find the right solution, it’s important to take that right solution.“But also I know the market is difficult. Finding the right player won’t be easy, but we are talking about it.”“I answer always in the same way. I don’t like to speak about players that are now playing with other teams. This is respect for players and also for the clubs.”On reports Chelsea want Ricardo Rodriguez and Arturo Vidal“I answer always in the same way. I don’t like to speak about players that are now playing with other teams. This is respect for players and also for the clubs.”On Marcos Alonso, who picked up a knockEmbed from Getty Images“He is available for tomorrow’s game and we do not have any injuries.”On his many attacking options“I like to have these type of problems. I like to have my players in good form and then to make the best choice for the game.“We have Pedro, Willian, Hazard and Costa and they are in good form – good shape.“I have to decide the starting 11 but I think you win the game in 95 minutes and it’s important to have all the players available and everyone playing well.”On facing Tottenham“To win 13 games in a row in this league is not easy – it’s very difficult. We are pleased about this and tomorrow we know we have a really tough game against Tottenham, which is a very strong team.“For this reason it’s very important to pay great attention and to try to continue our run. For sure it will be very tough. For me Tottenham are better than last season.”On Spurs boss Mauricio Pochettino suggesting that neutrals want his team to beat ChelseaEmbed from Getty Images“I think every team wants to stop our run, not only Tottenham. But it you see the table you will see that we are only five points clear. The league is open and we are only just in the second half of the season.”On visiting White Hart Lane“I never played there. I watched a Europa League game against Fiorentina. The atmosphere was very good.” On Diego Costa admitting he wanted to leave in the summer“Diego told me: ‘I stay and I want to fight for this club – I want to fight for my team-mates and for this shirt’. I wasn’t concerned.“He has been showing great passion in the right way and we are happy about this – the club and his team-mates. He is focused on his game and that’s very important.”On adapting to life in England“When you change country and it’s new habits and a new language, you have to bring your philosophy. It’s not easy. It’s important to take time to work with your players.“If you think that you want to change everything, then you make a mistake. It’s important to concentrate on the most important things and then to try to change something and bring your methods.”On the future of John Mikel Obi“For now we haven’t any news.” See also:Tottenham v Chelsea: five key battles  Ads by Revcontent Trending Articles Urologists: Men, Forget the Blue Pill! This “Destroys” ED x ‘Genius Pill’ Used By Rich Americans Now Available In Netherlands! x Men, You Don’t Need the Blue Pill if You Do This x What She Did to Lose Weight Stuns Doctors: Do This Daily Before Bed! x One Cup of This (Before Bed) Burns Belly Fat Like Crazy! x Drink This Before Bed, Watch Your Body Fat Melt Like Crazy x Follow West London Sport on TwitterFind us on Facebooklast_img read more

Bumgarner hits two-run shot, gives up grand slam in loss to Dodgers

first_img“Tha … LOS ANGELES–There are details that paint a rosy picture of the way Tuesday’s game unfolded for the Giants.Madison Bumgarner hit a two-run home run and did not allow any earned runs in a six-inning stint against the Dodgers.Then there are the details that tell a much more complete story.In a brutal third inning in the Giants’ 6-5 loss, Bumgarner committed an error, walked the pitcher without throwing a strike and served up a two-out grand slam to Dodgers slugger Cody Bellinger.last_img

Darwin Myths Debunked – By Darwinist

first_imgAn aura of legend has enveloped the memory of Charles Darwin.  To many, the white-bearded father of evolutionary theory was like a saint on a white horse, rescuing science from an age of superstition.  The true history is much more interesting.    Darwin Day is coming next February 12.  It marks Darwin’s 200th birthday and also the 150th anniversary of the publication of his Origin of Species.  The Darwin Exhibition, a multi-million-dollar display produced by the American Museum of Natural History (09/22/2005), is making the rounds of major museums, culminating in the 2009 Darwin Bicentennial year.    Hiram Caton (Griffith University, Australia) felt compelled to pen “Getting Our History Right” when he saw the “Exhibition’s devotion to the legend at the expense of fact.” Here are six mythbusting theses Caton defended in his article:Publication of the Origin was not a sudden (“revolutionary”) interruption of Victorian society’s confident belief in the traditional theological world-view.The Origin did not “revolutionize” the biological sciences by removing the creationist premise or introducing new principles.The Origin did not revolutionize Victorian public opinion.  The public considered Darwin and Spencer to be teaching the same lesson, known today as “Social Darwinism”, which, though fashionable, never achieved dominance.Many biologists expressed significant disagreements with Darwin’s principles.Darwin made little or no contribution to the renovation of theology.  His public statements on Providence were inconsistent and the liberal reform of theology was well advanced by 1850.The so-called “Darwinian revolution” was, at the public opinion level, the fashion of laissez-faire economic beliefs backed by Darwin and Spencer’s inclusion of the living world in the economic paradigm.Where did Hiram Caton print this Darwin-deflating piece?  Not in a creationist magazine, but in Evolutionary Psychology.1  (See 06/06/2008.)  He is no creationist; he just worries that distorting publicity can backfire.  “As a cadre who bear a public trust to get the facts right,” he ended, “we are obliged to correct misrepresentations directed to schools at a time when evolution is under challenge.  Besides, science history that includes the quirks, baseless claims, cheating, and battles is more engaging than the sanitized history meant to instill unquestioning acceptance.”1.  Hiram Caton, “Getting Our History Right: Six Errors about Darwin and His Influence,” Evolutionary Psychology, www.epjournal.net – 2007. 5(1): 52-69.What, exactly, are we supposed to be celebrating next year?  Ineptitude?  The gullibility of the public?  The power of fashionable ideas to distort history?  The inability of reasonable scientists with their significant disagreements to stop bad ideas at their onset?  Darwin Day can still be a worthy holiday if we make these the lessons.  We agree with Caton; first, we have to get the facts right.(Visited 9 times, 1 visits today)FacebookTwitterPinterestSave分享0last_img read more

Understanding how to capture market carry

first_imgShare Facebook Twitter Google + LinkedIn Pinterest This week the USDA report and the markets were uneventful. Farmers aren’t selling and corn export demand is pacing slow. Good weather conditions in South America eroded bean market premium. Understanding how to capture market carryI recently attended a grain marketing conference where the presenter discussed ideas for farmers to be more profitable in the current marketing environment. One suggestion mentioned was to sell the market carry (i.e. when the further future month is higher than the current future month). This is a popular recommendation trending right now, but it’s been something I’ve been advocating for years. It’s a relatively low risk opportunity for farmers to pick up additional premium and add profits to their bottom line. I think all farmers should be doing this.However, this strategy is often casually mentioned as something farmers should be doing with minimal detail and explanation. But in my experience, many farmers don’t really understand how to capture market carry effectively and the upfront planning and logistics required. In short, market carry can generally only be captured if the underlying crop is sold and usually is physically store in a bin on the farm. How does this work?Step 1 — Farmers need to first pick a price and sell their grain using futures.Step 2 — Farmers need to decide WHEN they will want to physically move their grain. This determines the month they will capture the carry from.Step 3 — Farmers need to choose WHERE they will move their stored grain (i.e. the actual location). This will allow them to set their basis.Farmers can use HTA (Hedge To Arrive) contracts, which would cover some of these steps. However. I prefer to keep my options and choices open until the very end on where I’m physically selling my grain. This allows me to not only take advantage of market carry, but also upside opportunities in the basis market too. ExampleLet’s say a farmer wisely sold corn when Dec ’17 futures were $4.15. This farmer could then “roll” that sale from Dec ’17 futures to July ’18 futures and capture 30 cents of market carry (averaged 5 cents per month), ending with $4.45 against July futures and physically selling his grain for delivery in either June or July. What if farmers aren’t 100% sold for their 2017 production?That’s the thing, I haven’t met any farmer with more than 50% sold for that $4.15. Most farmers are at best 20% sold for around $4. The rest is stored unpriced. So, it’s easy to recommend to farmers to add 30 cents to that $4 priced grain, resulting in $4.30 for summer delivery. But, what about the other 80% that is unpriced?Exactly. It’s very difficult to capture market carry effectively on that. The presenter in the meeting suggested that farmers sell July futures for $3.70, which was 30 cents higher than Dec futures that day. But, there aren’t many farmers who want a $3.70 sale against July futures because that’s below many farmer breakeven points. The presenter then suggested farmers should reown that sale by purchasing a July $3.90 call for 15 cents to allow for upside potential. The problem with buying those calls…As always there are three possible directions the market will go (up, down, sideways). So what are the possible outcomes of this trade:• Corn remains sideways or goes lower — The farmer is out the 15 cents to buy the call. So, instead of $3.70, the farmer is sold at $3.55 against July futures ($3.70 futures sale — 15 cents call purchase price). Interestingly, $3.55 was the same price as March futures that day.• Corn rallies 20 cents by May – This was what the presenter expected as the likely scenario. The call would then conceivably be worth 22 cents (a 7 cent net gain), meaning the sale would be $3.77 against July, which is still not above most farmer breakeven points, and this is maybe the best case scenario of this trade.To me this is a lose-lose marketing strategy. Why would farmers want to risk 15 cents to make only 7 cents? But what if prices rally more than 20 cents?Technically the upside is unlimited when buying calls and prices could rally more than 20 cents, but how likely is that? Even during the presentation, the speaker painted a very negative market outlook long-term, prior to recommending that farmers buy calls. If he really thought prices were unlikely to rally, then buying a call doesn’t seem prudent. In fact, if a farmer thought the market was likely to rally higher than 20 cents, it would actually be more profitable to wait and do nothing, than trying to capture the carry and spend any money buying a call. So, what are you doing?My preference recently has been to SELL call options and collect the premium in the short-term, waiting for the market to rally. I still need to price 85% of my ’17 crop, so I can’t afford to lose money on any options if the market stays sideways or worse goes lower. Instead, I’m collecting part of the carry now, by selling the call premium, and I still have the potential to collect more premium down the road. Obviously I don’t have downside protection doing this, but I don’t think I’ll need downside protection on my corn in spring and early summer. Historically, the seasonal trend is for prices to stay steady or rally during these times. Of course past performance is not indicative of future gains so I do have risk. Market ActionI’m hesitant to wait until next summer to collect all of my carry. Therefore, I prefer to spread my risk across multiple trades and months. By doing this I may be able to collect some market carry earlier. Following are two recent trades illustrating this. 2 — New Trades — Selling callsOn 12/1/17 when March corn was near $3.59 and on 12/4/17 when March corn traded to $3.55 I sold the following calls:Feb $3.55 call for 10 cents — expires Jan. 26 on 10% of my ’17 productionMar $3.60 call for 10 cents — expires Feb. 23 on 20% of my ’17 production. What does this mean?If corn is trading below the strike price (the price listed on each line) when these options expire I keep the 10-cent premium and add it to another trade later.If corn is trading above the strike price (the price listed on each line) when these options expire, I have to sell corn for the strike price PLUS I keep the premium, which means, I will have an average price of $3.683 between the two trades ($3.583 + 10 cents option premium). If this happens, I’ll then roll these March futures sales to July futures to pick up an additional 16 cents market carry. Ending with approximately $3.843 total. But what if prices rally? You’ll have missed out!Obviously, I don’t really want to sell any corn for $3.583 Mar futures. BUT if this happens, it means prices rallied, which is a great thing, because I can then sell more of my other unpriced corn at higher levels. And it’s not just 2017 productions’ unpriced grain that will increase, but 2018’s production too.When developing my marketing strategy, I’m not worried about missing out on unforeseeable rallies. I’m much more concerned if prices DON’T rally and I have to sell substantial amounts of my corn at unprofitable levels. That’s why I’m “manufacturing” prices right now that get me to profitable levels.Jon grew up raising corn and soybeans on a farm near Beatrice, NE. Upon graduation from The University of Nebraska in Lincoln, he became a grain merchandiser and has been trading corn, soybeans and other grains for the last 18 years, building relationships with end-users in the process. After successfully marketing his father’s grain and getting his MBA, 10 years ago he started helping farmer clients market their grain based upon his principals of farmer education, reducing risk, understanding storage potential and using basis strategy to maximize individual farm operation profits. A big believer in farmer education of futures trading, Jon writes a weekly commentary to farmers interested in learning more and growing their farm operations.Trading of futures, options, swaps and other derivatives is risky and is not suitable for all persons. All of these investment products are leveraged, and you can lose more than your initial deposit. Each investment product is offered only to and from jurisdictions where solicitation and sale are lawful, and in accordance with applicable laws and regulations in such jurisdiction. The information provided here should not be relied upon as a substitute for independent research before making your investment decisions. Superior Feed Ingredients, LLC is merely providing this information for your general information and the information does not take into account any particular individual’s investment objectives, financial situation, or needs. All investors should obtain advice based on their unique situation before making any investment decision. The contents of this communication and any attachments are for informational purposes only and under no circumstances should they be construed as an offer to buy or sell, or a solicitation to buy or sell any future, option, swap or other derivative. The sources for the information and any opinions in this communication are believed to be reliable, but Superior Feed Ingredients, LLC does not warrant or guarantee the accuracy of such information or opinions. Superior Feed Ingredients, LLC and its principals and employees may take positions different from any positions described in this communication. Past results are not necessarily indicative of future results. He can be contacted at [email protected]last_img read more

Table Mountain Travel Bug® Hotel – GC31WXR – GEOCACHE OF THE WEEK – September 17, 2012

first_img SharePrint RelatedNottingham to Nottingham Travel Bug RaceSeptember 12, 2011In “Community”Table Mountain Travel Bug Hotel (GC31WXR) — Geocache of the WeekNovember 2, 2016In “Community”This hotel is full of bugs. — Travel Bug Plaza Hotel & Suites (GC3JQQ1) — Geocache of the WeekJanuary 1, 2014In “Community” A very organized TB HotelTrackable Week highlights a Travel Bug® haven where TBs check-in and check-out with ease. You can find an outstanding example of one of these locations in South Africa. The Travel Bug Hotel is sure to take your geocaching adventures to new heights. Table Mountain Travel Bug Hotel (GC31WXR) in Cape Town is the cache to log, drop off, and retrieve Travel Bugs from all over the world.You might even see a localLocated on top of the city’s iconic mountain, the difficulty 1, terrain 1 traditional cache is quite the attraction. Geocachers can hike up the mountain or take a cable car to get to the hidden treasure. Not only is this a safe and secure cache that requires a code to be opened, it also comes with an incredible view.Visited by millions of tourists each year, this ancient mountain has also attracted nearly 250 geocachers to summit for a chance to look for the cache. Treasure hunters from 33 different countries awarded this creative and well-organized treasure 55 Favorite Points in just one year.Checking inThe cache page provides fun facts about the location, but the logs and pictures submitted by geocachers describe incredible experiences.CapeDoc was inspired to create a cache on Table Mountain when he visited this area not too long ago. He says, “I noticed the amazing international blend of people on the top of the mountain. It struck me that it would be a great place for a Travel Bug hotel. The cache fits my philosophy: good listing + interesting hide + awesome location = great cache.”Geocachers who logged this cache agree. One cacher writes, “A very nice TB hotel with lots of travelers waiting to be taken to their respective destinations. With this being such a popular tourist destination, I’m sure this one will become one of the most visited caches in SA. TFTC!”Continue to explore some of the most engaging geocaches around the globe. Check out all the Geocaches of the Week on the Latitude 47 blog or view the Bookmark List on Geocaching.com.If you would like to nominate a Geocache of the Week, send an email with your name, comments, the name of the geocache, and the GC code to [email protected] View from the mountainShare with your Friends:Morelast_img read more

All You Have Is Time

first_img“I don’t have time.”You’ve said those words. So have I. You think that you don’t have enough time quite often too, don’t you? But the one thing you do have is time. And you have enough time, too. You may be missing something else.What you may be lacking is enough time to do all the things to which you have committed yourself and your time. You may have said “yes” to too many small things that are now crowding out what’s really important. We always find time for what believe is most important—even when most of the time what we perceive to be important now isn’t important long-term. Enough time is a question of your values and your priorities.You may also not enough courage to say “no” when people make requests of you. It’s tough to tell people “no,” especially when you have the ability to help them. It takes a certain level of confidence and comfort in one’s own skin to say “no.” Lacking this courage is one reason you may feel you don’t have enough time.A lack of energy can make you feel as if you have a lack of time. You might feel that you can’t get up and exercise or write or read or pray because you don’t have the energy. You might feel as if you need the sleep. But getting up and doing any of these things can change your life and positive ways that are hard to imagine. And more than a few of them will multiply your energy.You have enough time now to do all kinds of things. Looking at a short time, you can feel the stress of not having enough of it. To straighten out your perception of not having enough time, you have to look at longer periods. You aren’t going to have enough time to do all of the things you want to do, contribute all you want to contribute, and spend time with the ones you love. At some point in the future, you are going to wish you had more time.To avoid wishing for more time later, you need to make better decisions about what you do with your time now. All you have is time. What will you do with it? Get the Free eBook! Want to master cold calling? Download my free eBook! Many would have you believe that cold calling is dead, but the successful have no fear of the phone; they use it to outproduce their competitors. Download Nowlast_img read more