Podcasts about hpas

So you've decided that now is the right time to look at buying a house....yay, go you! If you're like me, you have so many questions (so many) and need answers STAT about the potential home buyer grants and ADF schemes and entitlements you and your military member may be able to apply for. But…. those answers need to be explained in plain old non-military speak, which is why Defence Bank's Kym Bowles and I talk you through ALL.THE.THINGS when it comes to buying a house.   In this episode, Kym and I talk about; -First steps once you decide to save for a house -Personal debts and how they can impact your borrowing power -Which Home Buyer Grants and ADF schemes and entitlements you may be able to apply for - The First Home Owner Grant scheme explained -The First Home Loan Deposit scheme (now called the Guarantee scheme) explained -The First Home Super Saver scheme explained -What is stamp duty and the available duty concessions -The Defence Home Ownership Assistance Scheme (aka DHOAS) explained -Recent changes to the DHOAS eligibility criteria -When to apply and how the DHOAS payments actually work -The Home Purchase Assistance Scheme (aka HPAS) explained -When an ADF member can apply for HPAS and some things to be aware of -Home Purchase or Sale Expenses Allowance (aka HPSEA) explained -How to factor in Interest rates and understand what you can borrow -Do you need to get preapproval before searching for a potential property   For links to even more information and to check your eligibility for any of the grants, schemes and entitlements discussed in this podcast episode, click through to this BLOG article. Buying a House-ADF Schemes & Home Buyer Grants Explained - Military Life The BLOG article also details any available exemptions for each grant and scheme, for ADF members, by state and territory.   To get in contact with Defence Bank to talk about all of the above in more detail, call 1800 033 139 or visit the website for more information or to make use of the Defence Bank Home Loan Borrowing Power Calculator, Stamp Duty Calculator, Home Loan Repayments Calculator and so much more. https://www.defencebank.com.au/calculators *Any advice contained in this podcast is general advice only and doesn't take into account your personal circumstances. All applications for credit at Defence Bank are subject to approval under credit criteria.

Below is an interview of Edward Pinto, the Director of AEI's Housing Center, with Fortune's Shawn Tulley on the state of rapidly rising home prices across the country:In almost five decades as one of America's top housing experts, including a stint as chief credit officer of Fannie Mae, Ed Pinto has never seen prices climb at anything like the pace he's seeing for May. “The high end is up 25% over May of last year, and the overall increase is 15%,” says Pinto, director of the American Enterprise Institute's Housing Center. “What's driving those incredible increases is an arbitrage opportunity. The work from home economy has unleashed people who before the pandemic were tied to jobs in expensive coastal metros and empowered them to move to cities where they can get a lot more house for the same or in most cases less money.” He notes that even though the trend is inflating values in places like Phoenix, Raleigh and Pittsburgh, those locales remain such a great bargain for the refugees from Boston or San Jose. He believes nationwide prices have plenty of room to keep surging at comparable rates in the coming months, before moderating to an annual increase of 10% in 2022.Pinto collects his May home price appreciation (or HPA) figures from closed sales. He then uses these data to calculate HPAs by tracking changes in prices for the same homes from one period to the next. He divides the market into four price tiers: low, low-medium, medium-high, and high. Each is based on the average sales price in a metro for all the homes reported in the public records. “Low” encompasses all houses selling at 40% or less of the average sales price of houses with FHA mortgages in the metro area; low-medium qualifies at 40% to 80% of the FHA metro area sales price; medium-high goes from that 80% mark to 125% of the Fannie and Freddie maximum loan limit for the metro; and high comprises sales that exceeds the 125% mark. For example, in Phoenix the Fannie or Freddie loan maximum is $548,000. So the “high” tier starts at $685,000.Join your host Sean Reynolds, owner of Summit Properties NW and Reynolds & Kline Appraisal as he takes a look at this developing topic.Support the show (https://buymeacoff.ee/seattlepodcast)

Na entrevista desta quinta-feira (22) nos Novos Cientistas, a nutricionista Glória Guizellini descreveu como realizou seu estudo na Faculdade de Saúde Pública (FSP) da USP em que avaliou a presença dos Hidrocarbonetos Policíclicos Aromáticos (HPAs) em chocolates. Sob orientação da professora Elisabeth Torres, a pesquisadora apresentou a dissertação de mestrado Avaliação da presença de hidrocarbonetos policíclicos aromáticos em chocolates: Exposição ao consumo e implicações à saúde. “Os HPAs apresentam ação carcinogênica e causam mutações celulares, causadoras de alterações na função e estruturas das células gerando risco à saúde humana”, informou Glória. Segundo ela, esses contaminantes são formados a partir da combustão incompleta de matéria orgânica durante o processamento de alimentos em âmbito industrial, como na secagem, torra ou pré-cozimento. Na produção do chocolate e outros produtos derivados do cacau, etapas como a secagem, torra e a mistura de ingredientes são processos que utilizam altas temperaturas, que são essenciais para a produção de chocolates. Glória explicou que os HPAs são um grupo de mais de 200 compostos. “Contudo, nós monitoramos quatro deles que são os chamados prioritários”, informou. No estudo foram analisados chocolates comerciais num total de 38 amostras, incluindo o chocolate branco, ao leite e o amargo com diferentes porcentagens de cacau, de 40% até 70%. A pesquisa permitiu avaliar em quais etapas do processo de fabricação do chocolate existem maiores incidências de HPAs.

Na entrevista desta quinta-feira (22) nos Novos Cientistas, a nutricionista Glória Guizellini descreveu como realizou seu estudo na Faculdade de Saúde Pública (FSP) da USP em que avaliou a presença dos Hidrocarbonetos Policíclicos Aromáticos (HPAs) em chocolates. Sob orientação da professora Elisabeth Torres, a pesquisadora apresentou a dissertação de mestrado Avaliação da presença de hidrocarbonetos policíclicos aromáticos em chocolates: Exposição ao consumo e implicações à saúde. “Os HPAs apresentam ação carcinogênica e causam mutações celulares, causadoras de alterações na função e estruturas das células gerando risco à saúde humana”, informou Glória. Segundo ela, esses contaminantes são formados a partir da combustão incompleta de matéria orgânica durante o processamento de alimentos em âmbito industrial, como na secagem, torra ou pré-cozimento. Na produção do chocolate e outros produtos derivados do cacau, etapas como a secagem, torra e a mistura de ingredientes são processos que utilizam altas temperaturas, que são essenciais para a produção de chocolates. Glória explicou que os HPAs são um grupo de mais de 200 compostos. “Contudo, nós monitoramos quatro deles que são os chamados prioritários”, informou. No estudo foram analisados chocolates comerciais num total de 38 amostras, incluindo o chocolate branco, ao leite e o amargo com diferentes porcentagens de cacau, de 40% até 70%. A pesquisa permitiu avaliar em quais etapas do processo de fabricação do chocolate existem maiores incidências de HPAs.

How do you catch more fish, as a metaphor for winning more deals or completing more projects on time or getting promoted? It's all about winning more often, so how do we do it, win? Is it timing? Is it a natural born talent? Or? Is it knowing where to stand? The grizzly that has figured out where to stand catches the most salmon. The equivalent in selling of knowing where to stand is knowing where to spend your time. It's what Jack Daly calls High Payoff Activities (HPA). The best salespeople know where to stand. They work on HPAs. What's an HPA? An HPA is simply any activity that generates more business. If you aren't careful, you'll be spending 50% or more of your time on busy work. Make a list of the HPAs, and question everything else: · can you ignore it, · can you delegate it, or · can you delay it till a non-prime time? Skip the to-do list. Jack suggests working off a calendar instead of a to-do list. I couldn't agree more. I scan my emails [applying lessons learned from Getting-Things-Done author, David Allen]: · to delete what's possible · complete anything I can do in less than 2 minutes, or · move it to a "processing" folder. I empty my inbox about every hour or two. When I work through the "processing" folder, I think through each email: what's the work that needs to be done: study? respond? create? organize? I use outlook on both my MacBook and my ThinkPad. On my mac, I tap with two fingers to trigger the right click options. I select create - new appointment to create a calendar entry. On ThinkPad, I have a quick action built to "book time" (creates an appointment with text of message). This is where you do the preprocessing. Think through what you want to do before you hit save. The trick is you don't want to consider it again. When it comes time to act on the email, you can act, not think through it again. You have room on both platforms to write a note to yourself above the email and keep track of progress. If I'm not able to finish in the time allotted, I make a note of my progress and reschedule. Every action requires time. If a message is worth acting on, then it's worth scheduling the time to act. When you use a to-do list, you are in effect saying, "I hope to make time to work on this someday." What if it isn't from email? I use the note app on my phone. It's quick, easy to use, and saves in the cloud. I have a few standard lists: · Books recommended · store -- things to buy next time · writing prompts · good ideas · tasks noticed to complete around the house, etc... I process these notes about once a week. Same idea as the emails. I schedule a time to get it done. The exception are small tasks at home. I just work through the smaller tasks at my leisure on weekends. At home, I use google docs for organizing information, and at work, I use OneNote and SharePoint. I love OneNote for its ease of use and mobile access. I have a notebook with several tabs: daily journal, external clients, internal clients, key vendors, process notes, tools. I share the notebook with my team. Routines help me save space for HPAs. The routine of capturing work and ideas builds the trust that projects will not be dropped. The trust is in myself. I can rest at ease that I'm not forgetting anything important. I can focus on the HPAs without worrying about the little things falling through the cracks. One more routine is Friday afternoon planning. I put in the Big Rocks (Steven Covey) for next week. The Big Rocks are the important but not urgent activities that will be missed if not scheduled first: prospecting, training, exercise. By living off my calendar, I am more honest about my time and spend my time more wisely. I use my time on purpose, more productively. It's always a work in progress. These are just a few of my ideas. Greg --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/greg-dyche/support

So you've decided that now is the right time to look at buying a house....yay, go you!   But if you're like me, you have so many questions (so many) and a military member who isn't really down for providing ALL of the answers!   Sometime's you just need it explained in plain old non-military speak which is why Defence Bank's Kym Bowles and I talk you through all of the potential grants and ADF schemes you (aka your military member) may be able to apply for when it comes to buying a house.   In this episode Kym and I talk about; First steps once you decide to save for a house Which Grants and ADF schemes you may be able to apply for The First Home Loan Deposit Scheme (aka FHLDS) explained Who can apply for the FHLDS and are there exemptions for ADF members The Defence Home Ownership Assistance Scheme (aka DHOAS) explained When to apply and how the DHOAS payments actually work The Home Purchase Assistance Scheme (aka HPAS) explained When an ADF member can apply for HPAS and some things to be aware of Home Purchase or Sale Expenses Allowance (aka HPSEA) explained   For links to even more information and to check your eligibility for any of the grants or schemes discussed in this week's podcast episode, click through to this BLOG post. The BLOG post also details any available exemptions for each grant and scheme, for ADF members, by state and territory. Ready to join the MWL community? Click through the link to get connected xx     www.militarywifelife.com.au

Audiobook Jim Rohn “work harder on yourself than your job” and The Power Within Workshop Mindset and HPAs!

Jack Daly is an experienced and inspirational sales trainer and sales coaching expert who inspires audiences to take action in the areas of sales management, corporate culture, and sales training. He brings 30 plus years of field-proven experience from a starting base with CPA firm Arthur Andersen to the CEO level of several national companies. Jack is a proven CEO/Entrepreneur, having built 6 companies into national firms, two of which he has subsequently sold to the Wall Street firms of Solomon Brothers and First Boston. Jack’s role as a sales trainer extraordinaire has helped craft “street tested” sales methodologies that help create truly successful sales professionals and profitable companies. His professional sales trainer know-how has turned him into an accomplished sales coaching authority and author of books including "Hyper Sales Growth," "The Sales Playbook for Hyper Sales Growth," and "Paper Napkin Wisdom," all Amazon #1 Bestsellers. Jack is an Ironman on seven continents and has completed 92 marathons in over 49 states. He was married to his high school sweetheart Bonnie for 48 years before her passing in 2017 and is the proud grandfather to two grandsons. Jack received his B.S. from LaSalle University, an MBA from Wilmington College, and held the rank of Captain in the U.S. Army. What you’ll learn about in this episode: Why you need to have specific goals in order to get any aspect of your life in shape (and why you need to put your goals in writing) They key aspect needed in your life in order to have success How to make the most of the 168 hours you’re given each week, and how Jack managed to do that with his wife, Bonnie, and in his professional life Benefits of delegating tasks that you don’t like or aren’t skilled at High payoff activities (HPAs): what they are and how you can leverage them to help manage your time Secrets and habits Jack follows that allow him to run marathons and Ironmans at age 69 Why so many people fail to meet their goals and some of Jack’s tips to make sure you meet yours The one thing that is the largest determinant in a person’s sales The number one thing to look for when finding an accountability coach Jack’s experiences running marathons on all 7 continents A tip on how to change your mindset to live a more positive life Jack’s story about how he quit his job to pursue his passion, and how it worked out for him in the long run Ways to contact Jack: Email: jack@jackdaly.net

[[:encoded, "Today we are going to talk about you distracting you, discipline, and applying the 4 D Formula for helping you focus on your high payoff activities that put you in the highest probability position to achieve your goals.nnThe ‘stuff' in your head is distracting you!nDo you have things continually going on in your head of all you have to do today, tomorrow, next week, etc? Those are distractions! When you effectively use your calendar and master task list on a consistent basis you don't have to have all these things going on in your head thinking you have to remember them and being afraid you are going to forget to do something. nnDo some of these things you have in your head keep you up at night? When you take them out of your head and put them on your master task list and on your calendar, you can sleep better every night. nnYou will be more in control and you will feel a sense of relief. Don't believe me, try this for yourself and you will be like the many people I coach who have that sigh of relief when they get all these distractions out of their head and in the proper place (that you review and honor – did I forget to mention this part…). nnStop distracting yourself with all your thoughts. Do it today. Let me know how I can help you. nnOne of the best lessons I ever learned to reduce low pay off activities and leave time for the HPAs is the four D formula for assessing the things in your life. You have too many things to do and not enough time so how do you decide.nnConsider ever action item in your life and apply the 4 D formula. nnApply discipline to effectively using your calendar to take the things going around in your head that are distracting.nnReview the 30-day goal achievement self-study course so you can discover for yourself how to focus on your highest payoff actives that produce the biggest results in the shortest amount of time so that you can experience that feeling of true and total success and a fantastic quality of life. (http://www.accountabilitycoach.com/bw/30dayStudyCourse.php) nnDownload the free 27-page Special Report: Keys to Working Less, Making More Money, and Having a More Balanced Life by going to www.AccountabilityCoach.com today. n nYou have access to at least 11 free personal and professional development resources you can take advantage of right now (www.AccountabilityCoach.com). nnAim for what you want each and every day!"]]Support the show

[[:encoded, "Today we are going to talk about you distracting you, discipline, and applying the 4 D Formula for helping you focus on your high payoff activities that put you in the highest probability position to achieve your goals.nnThe ‘stuff' in your head is distracting you!nDo you have things continually going on in your head of all you have to do today, tomorrow, next week, etc? Those are distractions! When you effectively use your calendar and master task list on a consistent basis you don't have to have all these things going on in your head thinking you have to remember them and being afraid you are going to forget to do something. nnDo some of these things you have in your head keep you up at night? When you take them out of your head and put them on your master task list and on your calendar, you can sleep better every night. nnYou will be more in control and you will feel a sense of relief. Don't believe me, try this for yourself and you will be like the many people I coach who have that sigh of relief when they get all these distractions out of their head and in the proper place (that you review and honor – did I forget to mention this part…). nnStop distracting yourself with all your thoughts. Do it today. Let me know how I can help you. nnOne of the best lessons I ever learned to reduce low pay off activities and leave time for the HPAs is the four D formula for assessing the things in your life. You have too many things to do and not enough time so how do you decide.nnConsider ever action item in your life and apply the 4 D formula. nnApply discipline to effectively using your calendar to take the things going around in your head that are distracting.nnReview the 30-day goal achievement self-study course so you can discover for yourself how to focus on your highest payoff actives that produce the biggest results in the shortest amount of time so that you can experience that feeling of true and total success and a fantastic quality of life. (http://www.accountabilitycoach.com/bw/30dayStudyCourse.php) nnDownload the free 27-page Special Report: Keys to Working Less, Making More Money, and Having a More Balanced Life by going to www.AccountabilityCoach.com today. n nYou have access to at least 11 free personal and professional development resources you can take advantage of right now (www.AccountabilityCoach.com). nnAim for what you want each and every day!"]]Support the show

[[:encoded, "Today we are going to talk about you distracting you, discipline, and applying the 4 D Formula for helping you focus on your high payoff activities that put you in the highest probability position to achieve your goals.nnThe ‘stuff' in your head is distracting you!nDo you have things continually going on in your head of all you have to do today, tomorrow, next week, etc? Those are distractions! When you effectively use your calendar and master task list on a consistent basis you don't have to have all these things going on in your head thinking you have to remember them and being afraid you are going to forget to do something. nnDo some of these things you have in your head keep you up at night? When you take them out of your head and put them on your master task list and on your calendar, you can sleep better every night. nnYou will be more in control and you will feel a sense of relief. Don't believe me, try this for yourself and you will be like the many people I coach who have that sigh of relief when they get all these distractions out of their head and in the proper place (that you review and honor – did I forget to mention this part…). nnStop distracting yourself with all your thoughts. Do it today. Let me know how I can help you. nnOne of the best lessons I ever learned to reduce low pay off activities and leave time for the HPAs is the four D formula for assessing the things in your life. You have too many things to do and not enough time so how do you decide.nnConsider ever action item in your life and apply the 4 D formula. nnApply discipline to effectively using your calendar to take the things going around in your head that are distracting.nnReview the 30-day goal achievement self-study course so you can discover for yourself how to focus on your highest payoff actives that produce the biggest results in the shortest amount of time so that you can experience that feeling of true and total success and a fantastic quality of life. (http://www.accountabilitycoach.com/bw/30dayStudyCourse.php) nnDownload the free 27-page Special Report: Keys to Working Less, Making More Money, and Having a More Balanced Life by going to www.AccountabilityCoach.com today. n nYou have access to at least 11 free personal and professional development resources you can take advantage of right now (www.AccountabilityCoach.com). nnAim for what you want each and every day!"]]Support the show

Today we are going to talk about you distracting you, discipline, and applying the 4 D Formula for helping you focus on your high payoff activities that put you in the highest probability position to achieve your goals. The ‘stuff’ in your head is distracting you! Do you have things continually going on in your head of all you have to do today, tomorrow, next week, etc? Those are distractions! When you effectively use your calendar and master task list on a consistent basis you don’t have to have all these things going on in your head thinking you have to remember them and being afraid you are going to forget to do something. Do some of these things you have in your head keep you up at night? When you take them out of your head and put them on your master task list and on your calendar, you can sleep better every night. You will be more in control and you will feel a sense of relief. Don’t believe me, try this for yourself and you will be like the many people I coach who have that sigh of relief when they get all these distractions out of their head and in the proper place (that you review and honor – did I forget to mention this part…). Stop distracting yourself with all your thoughts. Do it today. Let me know how I can help you. One of the best lessons I ever learned to reduce low pay off activities and leave time for the HPAs is the four D formula for assessing the things in your life. You have too many things to do and not enough time so how do you decide. Consider ever action item in your life and apply the 4 D formula. Apply discipline to effectively using your calendar to take the things going around in your head that are distracting. Review the 30-day goal achievement self-study course so you can discover for yourself how to focus on your highest payoff actives that produce the biggest results in the shortest amount of time so that you can experience that feeling of true and total success and a fantastic quality of life. (http://www.accountabilitycoach.com/bw/30dayStudyCourse.php) Download the free 27-page Special Report: Keys to Working Less, Making More Money, and Having a More Balanced Life by going to www.AccountabilityCoach.com today. You have access to at least 11 free personal and professional development resources you can take advantage of right now (www.AccountabilityCoach.com). Aim for what you want each and every day!

Today we are going to talk about you distracting you, discipline, and applying the 4 D Formula for helping you focus on your high payoff activities that put you in the highest probability position to achieve your goals. The ‘stuff’ in your head is distracting you! Do you have things continually going on in your head of all you have to do today, tomorrow, next week, etc? Those are distractions! When you effectively use your calendar and master task list on a consistent basis you don’t have to have all these things going on in your head thinking you have to remember them and being afraid you are going to forget to do something. Do some of these things you have in your head keep you up at night? When you take them out of your head and put them on your master task list and on your calendar, you can sleep better every night. You will be more in control and you will feel a sense of relief. Don’t believe me, try this for yourself and you will be like the many people I coach who have that sigh of relief when they get all these distractions out of their head and in the proper place (that you review and honor – did I forget to mention this part…). Stop distracting yourself with all your thoughts. Do it today. Let me know how I can help you. One of the best lessons I ever learned to reduce low pay off activities and leave time for the HPAs is the four D formula for assessing the things in your life. You have too many things to do and not enough time so how do you decide. Consider ever action item in your life and apply the 4 D formula. Apply discipline to effectively using your calendar to take the things going around in your head that are distracting. Review the 30-day goal achievement self-study course so you can discover for yourself how to focus on your highest payoff actives that produce the biggest results in the shortest amount of time so that you can experience that feeling of true and total success and a fantastic quality of life. (http://www.accountabilitycoach.com/bw/30dayStudyCourse.php) Download the free 27-page Special Report: Keys to Working Less, Making More Money, and Having a More Balanced Life by going to www.AccountabilityCoach.com today. You have access to at least 11 free personal and professional development resources you can take advantage of right now (www.AccountabilityCoach.com). Aim for what you want each and every day!

Today we are going to talk about you distracting you, discipline, and applying the 4 D Formula for helping you focus on your high payoff activities that put you in the highest probability position to achieve your goals. The ‘stuff’ in your head is distracting you! Do you have things continually going on in your head of all you have to do today, tomorrow, next week, etc? Those are distractions! When you effectively use your calendar and master task list on a consistent basis you don’t have to have all these things going on in your head thinking you have to remember them and being afraid you are going to forget to do something. Do some of these things you have in your head keep you up at night? When you take them out of your head and put them on your master task list and on your calendar, you can sleep better every night. You will be more in control and you will feel a sense of relief. Don’t believe me, try this for yourself and you will be like the many people I coach who have that sigh of relief when they get all these distractions out of their head and in the proper place (that you review and honor – did I forget to mention this part…). Stop distracting yourself with all your thoughts. Do it today. Let me know how I can help you. One of the best lessons I ever learned to reduce low pay off activities and leave time for the HPAs is the four D formula for assessing the things in your life. You have too many things to do and not enough time so how do you decide. Consider ever action item in your life and apply the 4 D formula. Apply discipline to effectively using your calendar to take the things going around in your head that are distracting. Review the 30-day goal achievement self-study course so you can discover for yourself how to focus on your highest payoff actives that produce the biggest results in the shortest amount of time so that you can experience that feeling of true and total success and a fantastic quality of life. (http://www.accountabilitycoach.com/bw/30dayStudyCourse.php) Download the free 27-page Special Report: Keys to Working Less, Making More Money, and Having a More Balanced Life by going to www.AccountabilityCoach.com today. You have access to at least 11 free personal and professional development resources you can take advantage of right now (www.AccountabilityCoach.com). Aim for what you want each and every day!

Today we are going to talk about you distracting you, discipline, and applying the 4 D Formula for helping you focus on your high payoff activities that put you in the highest probability position to achieve your goals. The ‘stuff' in your head is distracting you! Do you have things continually going on in your head of all you have to do today, tomorrow, next week, etc? Those are distractions! When you effectively use your calendar and master task list on a consistent basis you don't have to have all these things going on in your head thinking you have to remember them and being afraid you are going to forget to do something. Do some of these things you have in your head keep you up at night? When you take them out of your head and put them on your master task list and on your calendar, you can sleep better every night. You will be more in control and you will feel a sense of relief. Don't believe me, try this for yourself and you will be like the many people I coach who have that sigh of relief when they get all these distractions out of their head and in the proper place (that you review and honor – did I forget to mention this part…). Stop distracting yourself with all your thoughts. Do it today. Let me know how I can help you. One of the best lessons I ever learned to reduce low pay off activities and leave time for the HPAs is the four D formula for assessing the things in your life. You have too many things to do and not enough time so how do you decide. Consider ever action item in your life and apply the 4 D formula. Apply discipline to effectively using your calendar to take the things going around in your head that are distracting. Review the 30-day goal achievement self-study course so you can discover for yourself how to focus on your highest payoff actives that produce the biggest results in the shortest amount of time so that you can experience that feeling of true and total success and a fantastic quality of life. (http://www.accountabilitycoach.com/bw/30dayStudyCourse.php) Download the free 27-page Special Report: Keys to Working Less, Making More Money, and Having a More Balanced Life by going to www.AccountabilityCoach.com today. You have access to at least 11 free personal and professional development resources you can take advantage of right now (www.AccountabilityCoach.com). Aim for what you want each and every day!