——————–

WELCOME & CONTENTS

——————–

Hello, and welcome to your fortnightly newsletter from the

offices of TrainerTrackStats.

In this issue:

- Review of last newsletter

- System angle: Going Change Winners

- A joke…

- Tomorrow’s qualifiers

—————————

REVIEW OF LAST NEWSLETTER

—————————

The last newsletter I sent was actually the first. And what a result!

As well as providing a lucrative system angle, we also looked at why it pays to be wary of short-priced high class horses having their seasonal debut.

A classic case in point was Champion Hurdle runner up, Harchibald, who had his first run of the season on Sunday at Tipperary. Having opened at 1-4, the horse drifted to 2-7, then 1-3. This is normally a sign that a horse is ‘carrying condition’ (as mentioned last time, this is trainerspeak for ‘not fit’).

Sure enough, ‘Harchie’ was going best of all with a quarter mile to run, but found absolutely nothing when asked to make his effort. He finished fourth of five, and the aroma of burnt fingers could be sniffed across the Emerald Isle. There’ll be a good few more high profile, long odds-on defeats before October is through. You have been warned…!

Also, in the last newsletter, I started what is to be a regular feature in the letter: Tomorrow’s Qualifiers. This is where I give you an insight into the wonderful world of Trainer Track Stats.

And how!

On a never-to-be-repeated day, out of nine selections, eight were winners, including 10/1 and 12/1 horses. The only horse not to win was placed 3rd at 12/1, in the same race that we had the 4/1 winner!!

You’ll find tomorrow’s qualifiers at the bottom of this letter.

———————————————————————–

SYSTEM ANGLE: GOING CHANGE WINNERS

———————————————————

Its the time of year when Autumn starts to blow into Winter, and the wind and rain changes the going conditions almost daily. In short, its a tough time to be a punter. So, I sought to answer the question,

How can we use this inclement weather to our advantage?.

One of the things that struck me was,

What if a horse had previously won on today’s going, but was beaten last time out on markedly different ground?

Well, I put this to the test with my trusty Racing Systems Builder software (the same hugely impressive database I trawl to locate the TrainerTrackStats nuggets). I used my usual 14/1 or less condition, and also restricted it to novice races. This is what I learnt if today’s going was two or more types quicker or slower than last time out:

YEAR WINS RUNS STRIKE% LSP LSP% VSP%

2001 20 69 28.99 3.17 4.59 7.69

2002 16 58 27.59 -5.40 -9.31 4.52

2003 16 39 41.03 38.00 97.44 43.29

2004 22 70 31.43 3.85 5.50 21.15

2005 16 55 29.09 0.95 1.73 6.21

____________________________________________________________

90 291 30.93 40.57 13.94 15.23

As you can see, there are some great opportunities to find value here…

———————-

A JOKE…….

———————-

Nothing to do with horse racing or winner finding but very

funny nonetheless!

A man walks into a dentists’ surgery, and says, You’ve got to help me, I think I’m a moth.

The dentist replies, You don’t need a dentist, you need a psychiatrist.

The man says, I know.

The dentist, somewhat bemused, says, So what are you doing here?!

Grinning, the man replies, The light was on!

———————————————-

TOMORROW’S QUALIFIERS

———————————————-

Exeter 2.10 Brochrua

Exeter 3.10 Boychuk

Exeter 4.40 Grave Doubts

Towces 3.00 Sexy Rexy (PRICE WARNING)

Note the (PRICE WARNING). This horse - like all qualifiers -

must be 14/1 or shorter to be a qualifier.

———————————————-

REMINDER / NEXT LETTER…

———————————————-

Well, that’s about all for this letter. I hope you’ve enjoyed it. Before I close, I’d like to take the opportunity to remind those of you

who have yet to subscribe that I now have a daily email subscription service for TrainerTrackStats, giving you all the following day’s selections the night before.

For more information, go to www.trainertrackstats.com/subscribe

Next newsletter will be in your inbox on or around 17th October.

Finally, if you have any comments / feedback on this letter, or anything you’d like to see in future,

please email your suggestions to enquiries@trainerflatstats.com

I’ll look forward to hearing from you!

Thanks for reading, and best regards

Matt Bisogno

Author, TrainerTrackStats NH 2006/7

http://www.www.trainerflatstats.com

Matt Bisogno is a lifelong horseracing and betting enthusiast, and has published a number of statistical analyses of trainer patterns for horse racing betting purposes.

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Yes, the seller can contribute to the buyer’s closing costs and more in many cases. The next question that comes to mind that I’m sure your wondering is; “How much can the seller contribute to the buyer in a home sale?” The answer to that question isn’t so easy and my answer would be it depends. According to Fannie Mae guidelines we have to determine a few things.

First, is the property an investment property, primary residence, or secondary residence?

Second, after the contribution, what is your loan to value ratio going to be? i.e. 70, 80, 90%

After we answer those two questions we can refer to Fannie Mae guidelines, which state the following:

The maximum allowable contributions that interested parties may make for a conventional mortgage are limited to:

two percent of the lesser of the property’s sales price or appraised value for a mortgage secured by an investment property;

three percent of the lesser of the property’s sales price or appraised value for a mortgage secured by a principal residence or second home, if the loan-to-value ratio (or, if applicable, the combined loan-to-value ratio) is greater than 90 percent;

six percent of the lesser of the property’s sales price or appraised value for a mortgage secured by a principal residence or second home, if the loan-to-value ratio (or, if applicable, the combined loan-to-value ratio) is in the range from 76 percent to 90 percent; or

nine percent of the lesser of the property’s sales price or appraised value for a mortgage secured by a principal residence or second home, if the loan-to-value ratio (or, if applicable, the combined loan-to-value ratio) is 75 percent or less

As you can see, the answer varies somewhat depending on the situation. Some of you may now be asking; “What about Undisclosed Seller Contributions?” My answer to that would be under Fannie Mae guidelines undisclosed seller contributions such as moving expenses, silent mortgages, abatements and other various fees paid by the seller are not allowed. Therefore your interest rate will be higher, because you will have to be financed into a non-conforming loan and pay a higher interest rate.

Michael Hutchins is a mortgage finance professional with extensive experience in mortgage consultation, construction finance, and financial management. For more information or to apply for a mortgage you can reach Mike by going to http://activerain.com/mhutchins

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Okay, so you’re ready to kiss your day job goodbye. Great. You go to the internet, enter your search and wow! Millions of websites at your fingertips: “Buy my system and get free money” or “Turn your paperweight into a money making machine”…..The possibilities seem endless. But how do you know who really wants to see you succeed, and who just wants a quick buck? Working online may be more trouble than it’s worth. Or is it?

First, do your homework. A lot of the “make money on the internet” sites will draw you in with the hopes and dreams of making huge amounts of money with little to no effort. This just isn’t possible. If you want that, buy a lottery ticket or marry rich. For a successful online business you have to give a little to get a lot.

If you happen upon a website offering you a work at home opportunity, do what I did. In your browser’s search bar, enter the name of the system followed by the word “scam”. What you will end up with is a list of all the sites that offer that system, as well as sites by people who have been burned by it! If there are more than a few sites from people who were really scammed (and not just unwilling to put the effort in), click away from that site and stay away.

Even better, visit a site that reviews the best online business opportunities, by someone who has personally tested them. They can honestly let you know at a glance which programs are worth investing in.

I wish I had done this in the beginning when I started my quest to make money online. I don’t even want to think of how much money I’ve kissed goodbye, and I certainly won’t tell my husband!

The good systems are VERY few and far between, and by looking them up this way, you may also find websites by people who have tried, been scammed, and then succeeded. This is a much more reliable way to weed out the good systems from those who want to take your money and run.

Also, don’t just think that by paying someone for their system that your work is done. The good ones contain tons of useful information to help you be successful, and will guide you step by step to make sure that what they promise is what you get. I know first hand that you need to log some time at your computer to get everything running smoothly before you can walk away and make money without thinking about it. But the work you put in will definitely be worth it. And much better than sitting in some cubicle working for someone else!

I know it’s exciting and sometimes overwhelming. Everybody has something to sell you that will claim to get you the big bucks. If you’re not careful, you could lose. But by arming yourself with a little bit of knowledge, you could end up with everything you ever wanted.

Ingrid Tiessen writes for various publications about online business. Visit her review of the best opportunities at http://ingrid.thebestbizreview.com

There are many reasons why people opt to rent than buy their own homes. Location and accessibility to work may be one thing. Convenience is another reason allowing them more time for leisure and not tied up to home maintenance. Still another reason may be they want to keep their finances flexible. But whatever the reason may be, the most important thing to learn is the rental process.

Anybody who wishes to rent a property needs to have a rental agreement with the owner. A rental agreement serves as a contract between the two parties and should be written. It is often known as a lease when real estate is rented. The agreement should specify the parties involved, the property, the term of rental and the amount of rent. Under this agreement, the property owner may be referred to as the lessor while the lessee is the renter. In addition, the terms of the contract should follow state rental statutes and ordinances.

Real estate for rent may cover an apartment, house, building, business office, land, farm or any space. Access to other common areas may also be included. A rental agreement can go into other details like the present condition of the property and how it should be used and who can use it.

For a housing lease, the agreement may state whether the renter is living on his own or with family and children or with friends. The rights and obligations of both parties are likewise specified. A renter, for instance, may have rights against intrusions by the owner or landlord except during emergency cases.

The usual term of the rental is either monthly or annually. It can be on a fixed term meaning the renter will occupy the property for a specific period of time. This type of contract should be strictly followed because if not, the renter could be held liable. The agreement may also be renewed automatically if a renter stays beyond the agreed term.

A more flexible term is the periodic agreement which allows renters to terminate the contract for any reason and in any month. Landlords can also increase the rent any month they want. Before terminating the contract, notice should be given at least 15 days before the end of the month.

Payment terms may be monthly, yearly or in advance. Normally, renters are asked to pay the first and last month’s rent and a security deposit. The security deposit serves as an escrow deposit and held by the owner or landlord until the property is returned in good condition.

To ensure the proper maintenance of the home or property as well as safety of the renters, owners and landlords can set rules and regulations. Apart from the property itself, the rules may cover shared areas and facilities like the laundry rooms, storage areas, swimming pools and parking spaces.

If you’re planning on renting a home or apartment, be sure that the agreement you make with the owner is written. Read the details of the contract carefully before signing it. If you don’t fully comprehend the terms and conditions, seek advice as much as possible particularly from a real estate lawyer. Keep in mind that the contract is a legal document that should contain the terms you agree to follow.

This article is brought to you by LegalHomeForms.com. Download a rental agreement, residential lease agreement, and 60 other real estate related forms and contracts for a one time fee.

One of my least favorite subjects in the financial freedom arena is debt reduction. People use all kinds of reasons to justify their debt and it becomes a very emotional struggle to eliminate it. I am pleased that I have adopted the “Not So Easy” approach to financial freedom. That way I don’t have to come up with any psychological approaches to achieving financial independence. Why pretend that something is easy - when it’s not….

My article “Debt Reduction: The Weed-Out Course on the Road to Financial Freedom” generated quite a bit of discussion a few months back. In the article, I challenged Dave Ramsey’s psychological approach to debt reduction and took some heat for it. An article last week, reminded me on that article and also why debt crushes dreams. Here are few paragraphs.

“What has happened in the past six years is extraordinary. The debt that has been accumulated will be with most of the borrowers for the rest of their lives. They have become debt slaves to the banks and tax slaves to our government. There are those in our society that will remain in perpetual debt. A debt that is almost impossible to pay off. Their debt game is how our society is being controlled and destroyed. Our children are bombarded on TV with ads or situations where the credit card is the preferred mode of payment. Upon entering college students are deluged with credit card offers. By the time they graduate they have $20,000 in card debt and $30,000 in studying loan debt. This debt in many cases stays with these graduates for life. The banks want you in debt from cradle to grave. They do not want consumers who regularly pay off their debt. They can’t make any money off them.

These conditions make the bank the boss. This perpetual debt makes the consumer subservient, not just because his credit rating may be used against him, but it shades his political perspective as well. The debt is a privilege meted out by the all powerful bank whether it is your home or your credit card or your vehicles. You should bow down to MasterCard, Visa and America Express, because they are doing you a priceless favor.”

http://news.goldseek.com/InternationalForecaster/1174499046.php

“Perpetual debt makes the consumer subservient” that statement alone is enough to inspire me to stay out of debt. I don’t need Ramsey’s or anyone else’s gimmicks. Getting your debt under control is one of many “mind-shifts” necessary for anyone seriously considering walking the path to financial freedom.

About the Author

Michael Dawson recently said goodbye to a 20 year career in Engineering, Marketing and Sales to focus on living his dream of financial independence as a full-time trader on his on account. He has also established a financial education company, The Time & Money Group, to encourage others to pursue financial freedom and is publisher of the company’s blog “Breaking the Shackles of the 9 to 5.” His mantra is “Why trade time for money … when you can have both.”

http://www.thetimeandmoneygroup.com/blog

Make sure to read one of Dawson’s most popular articles: “Saying Good-Bye to the Time for Money Swap”

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In every successful Hollywood story, there are a number of challenges to be resolved. It is not uncommon for the Hero to have at least Four Core Challenges (Inner, Outer, Romantic, Greater Antagonism). For example, in American Beauty (Academy Award Winner Best Film 1999), Lester Burnham’s Inner Challenge is to feel good about himself, his Romantic Challenge is Angela, his Outer Challenge is his marriage with Carolyn and the Greater Antagonism is Col. Frank Fitts, US Marine Core.

It is not unusual for the Inner Challenge to be resolved at the stage of the Apotheosis, Atonement (At-One-Ment) and Ultimate Boon.

We have previously described Apotheosis as a number of things, including:

The breaking out of previous restraints and restrictions. In The Godfather (1972), Don Corleone gives his word not to break the peace, but Michael doesn’t.

It is also illumination, insight, epiphany. In Al Pacino Scarface (1983), Tony’s insight is that the rewards of the path he’s chosen are not worth the spiritual price he is paying, expressed with the words (in the restaurant scene): “is this it? Is that what it’s all about Manny? Eating, drinking, fucking, sucking,” “no free rides in this world kid,” “I lost my appetite,” “is that what I worked for? With these hands? Is that what I killed for? For this?”

BUT MOST IMPORTANTLY, the Apotheosis, Atonement and Ultimate Boon are where the Inner Challenge is conquered. It is here that the Hero attains At-One-Ness and gains the capacity that was previously lacking - the capacity that set him (or her) on the Journey and Road to Transformation.

Learn more…

WRITE THAT SCREENPLAY!

The Complete 188 stage Hero’s Journey and other story structure templates can be found at http://www.clickok.co.uk/

188 stages of the Hero’s Journey can also be reached from http://www.heros-journey.info/

You can also receive a regular, free newsletter by entering your email address at this site.

Kal Bishop, MBA

**********************************

You are free to reproduce this article as long as no changes are made, the author’s name is retained and the link to our site URL remains active.

You have resided in Georgia your whole life and you want nothing more than to marry in your home town. The thing is you need to apply and obtain your marriage license. Do you know where to get your marriage license? Well do not worry I have went through all of the hassle of finding all of your county clerks offices phone numbers that way you can easily contact them about your marriage license. So below I have listed Georgia county clerks offices phone numbers.

Appling County Court
Baxley, GA
912.367.8114

Atkinson County Court
Pearson, GA
912.422.3552

Bacon County Court
Alma, GA
912.632.7661

Baker County Court
Newton, GA
912.734.3007

Banks County Court
Homer, GA
706.677.6250

Barrow County Court
Winder, GA
770.307.3000

Ben Hill County Court
Fitzgerald, GA
912.426.5137

Berrien County Court
Nashville, GA
912.686.5213

Bibb County Court
Macon, GA
912.749.6493

Bleckley County Court
Cochran, GA
912.934.3204

Brantley County Court
Nantucket, GA
912.462.5192

Brooks County Court
Quitman, GA
912.263.5567

Bryan County Court
Pembroke, GA
912.653.3856

Bulloch County Court
Stakesboro, GA
912.489.8749

Burke County Court
Waynesboro, GA
706.554.3000

Butts County Court
Jackson, GA
770.775.8204

Calhoun County Court
Morgan, GA
912.849.2715

Camden County Court
Woodbine, GA
912.576.5601

Candler County Court
Metter, GA
912.685.2357

Carroll County Clerk
Carrollton, GA
770.830.8540

Catoosa County Clerk
Ringgold, GA
706.935.3511

Charlton County Clerk
Folkston, GA
912.496.2230

Chatham County Court
Savannah, GA
912.652.7270

Chattahoochee County Court
Cusseta, GA
706.989.3603

Chattooga County Court
Summerville, GA
706.857.2594

Cherokee County Court
Canton, GA
770.479.1953

Clarke County Court
Athens, GA
706.613.3195

Clay County Court
Fort Gaines, GA
912.768.2445

Clayton County Court
Jonesboro, GA
404.477.3299

Clinch County Court
Homersville, GA
912.487.5523

Cobb Probate Court
Marietta, GA
770.528.1900

Coffee County Clerk
Douglas, GA
912.384.5213

Colquitt County Court
Moultrie, GA
912.891.7415

Columbia County Court
Appling, GA
706.541.1254

Coweta County Court
Newnan, GA
404.254.2640

Crawford County Court
Knoxville, GA
912.836.3313

Crisp County Court
Cordele, GA
912.276.2607

Dade County Court
Trenton, GA
706.398.1616

Dawson County Court
Georgia, GA
706.265.2525

De Kalb County Recorder
Decator, GA
404.371.2601

Decatur County Court
Bainbridge, GA
912.248.3016

Dodge County Court
Eastman, GA
912.374.3775

Dougherty County Court
Albany, GA
912.431.2102

Douglas County Court
Douglasville, GA
770.920.7249

Early County Court
Blake, GA
912.723.3454

Echols County Court
Statenville, GA
912.559.7526

Effingham County Court
Springfield, GA
912.754.2112

Elbert County Court
Elberton, GA
706.283.2016

Emanuel County Court
Swainsboro, GA
912.237.7091

Evans County Court
Claxton, GA
912.739.4080

Fannin County Court
Blue Ridge, GA
404.632.3011

Fayette County Court
Fayette, GA
404.461.4703

Floyd County Court
Rome, GA
706.291.5136

Forsyth County Court
Cumming, GA
770.781.2140

Franklin County Court
Carnesville, GA
706.384.7214

Fulton County Court
Atlanta, GA
404.730.4692

Gilmer County Court
Ellijay, GA
404.635.4763

Glascock County Court
Gibson, GA
706.598.3241

Glynn County Court
Brunswick, GA
912.267.5626

Gordon County Court
Calhoun, GA
706.629.7314

Grady County Court
Cairo, GA
912.377.2912

Greene County Court
Greensboro, GA
706.453.3346

Gwinnett County Court
Lawrenceville, GA
770.822.8250

Habersham County Court
Clarksville, GA
706.754.2013

Hall County Court
Gainsville, GA
770.531.6921

Hancock County Court
Sparta, GA
706.444.5343

Haralson County Court
Buckanan, GA
706.692.2515

Harris County Court
Hamilton, GA
706.628.5038

Hart County Court
Hartwell, GA
706.376.2565

Heard County Court
Franklin, GA
706.675.3353

Henry County Court
Mcdonough, GA
770.954.2303

Houston County Court
Perry, GA
912.987.2770

Irwin County Court
Ocilla, GA
912.468.5138

Jackson County Court
Jefferson, GA
706.367.6366

Jasper County Court
Monticello, GA
706.468.4903

Jeff Davis County Court
Hazlehurst, GA
912.375.4263

Jefferson County Court
Louisville, GA
912.625.3258

Jenkins County Court
Millen, GA
912.982.5581

Johnson County Court
Wrightsville, GA
912.864.3316

Jones County Court
Gray, GA
912.986.6668

Lamar County Court
Barnesville, GA
770.358.5155

Lanier County Court
Lakeland, GA
912.482.3668

Laurens County Court
Dublin, GA
912.272.2566

Lee County Court
Leesburg, GA
912.759.6022

Liberty County Court
Hinesville, GA
912.876.3635

Lincoln County Court
Lincolnton, GA
404.359.7595

Long County Court
Ludowici, GA
912.545.2123

Lowndes County Court
Valdosta, GA
912.333.5103

Lumpkin County Court
Dahlonega, GA
404.864.3847

Macon County Court
Oglethrope, GA
912.472.7685

Madison County Court
Danielsville, GA
404.795.3354

Marion County Court
Buena Vista, GA
912.649.5549

Mc Duffie County Court
Thomson, GA
706.595.2124

Mc Intosh County Court
Darien, GA
912.437.6636

Meriwether County Court
Greenville, GA
706.672.4952

Miller County Court
Colquitt, GA
912.758.4110

Mitchell County Court
Camilla, GA
912.336.2016

Monroe County Court
Forsyth, GA
912.994.7037

Montgomery County Court
Mt. Vernon, GA
912.583.2681

Morgan County Court
Madison, GA
706.342.1373

Murray County Court
Chatsworth, GA
706.695.3812

Muscogee County Court
Columbus, GA
706.653.4333

Newton County Court
Covington, GA
770.784.2045

Oconee County Court
Watkinsville, GA
706.769.3936

Oglethrope County Court
Lexington, GA
706.743.5350

Paulding County Court
Dallas, GA
770.443.7541

Peach County Court
Fort Valley, GA
912.825.2313

Pickens County Court
Jasper, GA
706.692.2515

Pike County Clerk Court
Zebulon, GA
770.567.8734

Polk County Court
Cedertown, GA
770.749.2128

Pulaski County Court
Hawkinsville, GA
912.783.2061

Putnam County Court
Eatonton, GA
706.485.5476

Quitman County Court
Georgetown, GA
912.334.2224

Rabun County Court
Clayton, GA
404.782.3614

Randolph County Court
Cuthbert, GA
912.732.2671

Richmond County Court
Augusta, GA
706.821.2434

Rockdale County Court
Conyers, GA
770.929.4016

Schley County Court
Ellaville, GA
912.937.2905

Screven County Court
Sylvania, GA
912.564.2783

Seminole County Clerk
Donalsonville, GA
912.524.5015

Spalding County Court
Griffin, GA
770.467.4726

Stephens County Court
Toccoa, GA
706.886.2828

Stewart County Court
Lumpkin, GA
912.838.4394

Sumter County Court
Americus, GA
912.924.7693

Talbot County Court
Talbotton, GA
706.665.8868

Taliaferro County Court
Crawfordville, GA
706.456.2253

Taylor County Court
Butler, GA
912.862.5420

Telfair County Court
Mc Rae, GA
912.836.3313

Terrell County Court
Dawson, GA
912.995.5515

Thomas County Clerk
Thomasville, GA
912.225.4116

Tift County Court
Tifton, GA
912.386.7818

Toombs County Court
Lyons, GA
912.526.8696

Towns County Court
Hiawassee, GA
706.896.3467

Treutlen County Court
Soperton, GA
912.529.3342

Troup County Court
La Grange, GA
706.883.1691

Turner County Court
Ashburn, GA
912.567.2151

Twiggs County Court
Jeffersonvile, GA
912.945.3390

Union County Court
Blairsville, GA
706.745.7007

Upson County Court
Thomaston, GA
706.647.7015

Walker County Court
La Fayette, GA
706.638.2852

Walton County Court
Monroe, GA
770.267.1345

Ware County Court
Waycross, GA
912.287.4315

Warren County Court
Warrenton, GA
706.465.2227

Washington County Court
Sandersville, GA
912.552.3304

Wayne County Court
Jesup, GA
912.427.4590

Webster County Court
Preston, GA
912.828.3525

Wheeler County Court
Alamo, GA
912.568.7133

White County Court
Cleveland, GA
706.865.4141

Whitfield County Court
Dalton, GA
706.275.7400

Wilcox County Court
Abbeville, GA
912.467.2220

Wilkes County Court
Washington, GA
706.678.2523

Wilkinson County Court
Irwinton, GA
912.946.2222

Worth County Court
Sylvester, GA
912.776.8207

These are the latest phone numbers of Georgia’s clerks offices. Due to closings and budgets some of these phone numbers may have changed.

Yolanda is the owner of Yolandas Wedding Favors. She sells many different types of wedding favors such as, love glass coasters, two peas in a pod salt and pepper shakers and many many more. Yolandas Wedding Favors also carries many different wedding accessories and wedding gifts such as guest books, unity candles, ring pillows, bridesmaid gifts, groomsmen gifts and many many more.

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In every successful Hollywood story, there are a number of challenges to be resolved. It is not uncommon for the Hero to have at least Four Core Challenges (Inner, Outer, Romantic, Greater Antagonism) and each is mapped onto the Hero’s Journey and resolved in a very specific order.

In American Beauty (Academy Award Winner Best Film 1999), Lester Burnham’s Inner Challenge is to feel good about himself, his Romantic Challenge is Angela, his Outer Challenge is his marriage with Carolyn and the Greater Antagonism is Col. Frank Fitts, US Marine Core.

In Top Gun (1986, receipts of $176,000,000), Maverick’s Romantic Challenge is Charlie, his Inner Challenge is his personal and father’s story, his Outer Challenge is getting over Goose’s death and the Greater Antagonism is becoming Top Gun.

In Titanic (Academy Award Winner Best Film 1997; No. 1 All-Time USA Boxoffice with receipts of over $600,000,000), Rose’s Inner Challenge is to overcome her committment to her mother as well as Jack’s lower status, her Romantic Challenge is Jack, her Outer Challenge is Cal and the Greater Antagonism is escaping the sinking ship.

The Four Core Challenge categories can be viewed as classes:

In Tootsie (Academy Award Nominee Best Film 1982), Michael’s Romantic Challenge is Julie, his Inner Challenge is represented by his penultimate line “I was a better man with you as a woman than I ever was with a woman as a man…I just gotta learn to do it without the dress…”, his Outer Challenge is Ron [symbol of male condescension] and the Greater Antagonism is his problem that the network and fans thinks he’s really a woman. But within the class of the Inner Challenge is Sandy and within the class of the Romantic Challenge are the attentions of Les and Van Horn.

It is common for secondary characters to have their own (fewer) challenges (these are the core of any subplot) and each is also resolved in a very specific order:

In Gladiator (Academy Award Winner Best Film, 2000), Proximo and Lucilla both have their own demons to overcome.

Learn more…

WRITE THAT SCREENPLAY!

The Complete 188 stage Hero’s Journey and other story structure templates can be found at http://www.clickok.co.uk/

188 stages of the Hero’s Journey can also be reached from http://www.heros-journey.info/

You can also receive a regular, free newsletter by entering your email address at this site.

Kal Bishop, MBA

**********************************

You are free to reproduce this article as long as no changes are made, the author’s name is retained and the link to our site URL remains active.

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The fact that you answer your telephone is an advantage over most Yoga studios in your geographic area. Many Yoga teachers do not follow up on phone messages, have a phone answering system, or have a live person “fielding” inquiries.

Many Yoga studios are part-time businesses, but this is not an excuse for lack of professionalism. If you look around, you can find many businesses with poor customer service.

However, do you want your Yoga studio to be compared with them as just marginally better, or would you prefer to be known as “The best Yoga studio in town?”

If you want to be successful, you must instill the desire to offer a premium Yoga teaching service, in your staff, and within you. Most of us have other Yoga studios in our areas and cannot afford to give off a less than professional impression.

The first impression a potential student receives is through a phone call or an Email. It is extremely rare to advertise in your local newspaper and have Yoga students “drop out of the sky” into your studio, without an initial phone call or an Email inquiry.

Potential Yoga students will have questions, may be seeking directions, or just want to feel comfortable before visiting your Yoga studio. Now, let’s look at a procedure for answering an initial inquiry from a potential Yoga student.

Any person who answers the telephone should have a smile on his or her face. Some prospects may not be pleasant, but the person who answers the phone for your Yoga teaching service must be.

The objective is to get a prospective Yoga student to make an appointment of some kind. When answering the phone, the first words to come out of your mouth should be something like, “Good morning, Aura Wellness Center, Paul speaking - May I help you?”

This may seem like a lot to say, but you have already given them information, shown courtesy, and displayed an air of professionalism. The next step is to listen to the request, without interrupting, and to remember the name of the prospective Yoga student.

Try to avoid putting a caller on hold, and answer his or her questions carefully. Remember that the questions asked are important to this Yoga student. No matter how many times you have answered this same question, you should personally reflect the importance of a professional answer.

Once you have made an appointment, you should thank this Yoga student for calling, and let them hang up first.

Paul Jerard, E-RYT 500, is a business coach, Yoga studio co-owner, and the director of Yoga teacher training at: Aura Wellness Center, in Attleboro, MA. http://www.riyoga.com He has been a certified Master Yoga teacher since 1995. To receive a Free e-Book: “Yoga in Practice,” and a Free Yoga Newsletter, please visit: http://www.yoga-teacher-training.org/index.html

© Copyright 2007 - Paul Jerard / Aura Publications

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I discovered Adam Hamilton in late 2002 and since have read his weekly essays without fail every week. I have incorporated his theory on market cycles into my trading strategy. His research has shown that throughout history markets tend to move in great cycles, long bulls followed by long bears. These cycles are around 34 years long - resulting in a 17 year up cycle followed by a 17 year down cycle. Obviously no market goes straight up or down, so within those major cycles are minor counter-cycles to keep everyone on their toes. Our last major up cycle ran from 1982 to 2000. So, we are now 7 years into the down cycle. If you entered the market in 2003 - it doesn’t feel like a down cycle. However, if you bought tech stocks in 2000 you are still down 50%.

Why am I mentioned this? If the average investor gets serious about investing around 30 and retires at 65, they only have 35 years to really put their money to work. So, if you buy into Wall Street’s buy and hold mantra and time it right at the end of 35 years you will have absolutely nothing to show for your efforts. All of the gains of the first 17 years will be given away in the next 17.

I have said all of that to say if you have any desire to become financial free - independent thinking is a requirement. It’s time to throw out many of the truism you have readily accepted especially if it was recommended by Wall Street. Like buy and hold for the long run. Or if you bought a stock at $30 and now it’s trading at $20 buy more. Obviously if you liked it at $30 - you must really like it at $20. Or I’m too busy to manage my finances - I will turn it over to a professional. That one drives me nuts. Number 2 of my “5 Not So Easy Steps to Financial Freedom” is shift. Until you are ready to start thinking differently, make sure that your boss likes you

About the Author

Michael Dawson recently said goodbye to a 20 year career in Engineering, Marketing and Sales to focus on living his dream of financial independence as a full-time trader on his on account. He has also established a financial education company, The Time & Money Group, to encourage others to pursue financial freedom and is publisher of the company’s blog “Breaking the Shackles of the 9 to 5.” His mantra is “Why trade time for money … when you can have both.”

http://www.thetimeandmoneygroup.com/blog

Make sure to read one of Dawson’s most popular articles: “Saying Good-Bye to the Time for Money Swap”