Where Will They Lead You?

While working with my previous company a few years ago, I was taught to purchase lead lists and call hundreds of people all day long.  I was also told to give anyone who would listen to me a complete presentation about the business opportunity. VERY few wanted to hear the presentation. I worked that business full time, but I was never successful.

People have been wasting money on lead lists for a very long time.  There are expensive leads, inexpensive ones and there even free lead lists, however, they are all the same!   I used free leads and very expensive ones, and I saw absolutely no difference between the leads on these lists.  

Have you ever been on a website when a pop-up appears offering you a free IPad, free Whopper or a free Trip?  Those who fall for those “offers” are the people who end up on your lead lists.  There are also online surveys people can complete for an opportunity to win a prize.  The survey questions sometimes include one or two asking whether the person would like a home business.  Because they think it will improve their chances of winning the prize, they often answer “yes” although they have no interest whatsoever. 

When you call these people, to them you are simply a telemarketer interrupting their day.  You won’t be the first one calling them; there may have been eight or ten who had the exact list you have who have already called these people.  So, not only did these leads not even inquire about a home based business, but now you are among the long list of people calling them about one.  Even worse, most of these leads are resold “wholesale" to other companies who sell the leads as well. 

No matter whether you are buying “fresh,” triple verified, or “hot off the press” leads, you are wasting money that you could be spending to generate your own leads.  If you disagree with me, that’s your choice of course.  Continue buying those leads, since you apparently enjoy people hanging up on you.

There is a better way to acquire leads for your network marketing business: learn to generate your own leads through free avenues of Internet marketing.  Generating your own leads can be free, or if you choose to pay a small fee that’s fine too.  Lead generation does not have to be time consuming, and it will pay off in the long run, unlike buying leads from a company.

I have prospects contact me by phone, email or through my websites every day.  They contact me.  I never make the first contact.  In addition, when they call me, they have usually already researched my company and been to my website.  I never have to give a full presentation to them.  If you use social networking, relationship marketing, your prospects will be calling you too, without spending a dime on leads.

If you are not familiar with relationship marketing, you can read or watch videos telling you how. You need not be a “high-tech” person and you need not know how to “sell.”   I wrote a blog about lead generation yesterday, and I see others posted nearly every day.  If you just “google” relationship marketing, you’ll find hundreds of resources where you can learn.

So, dump the lead lists which are in actuality simply a list of miscellaneous names.  Spend your time instead online growing your internet presence.  Starting from scratch, it may take a couple months or more before you begin receiving prospect calls.  It will depend on how much time and in how many places you are posting.  Once you begin generating your leads, you will wonder why you ever spent money on a list!

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For Xpress Healthcare® business opportunity info, visit http://joinxpresshealthcare.com. 

 

For affordable discount plans to reduce your Health and Dental expenses AND reduce costs on Hearing, Vision, Prescriptions, Roadside Assistance, Lifelock™ and even more, visit: http://ibourl.net/XpressSavings (NOT insurance). 

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It's a Scam!

Those of us involved in network marketing face the challenge that there are MANY illegal scams trying to recruit the same people you are.  Unfortunately, their poor image often rubs off on us. Scammers have created a bad reputation for network marketing.  It has improved over recent years, but the poor reputation is far from disappearing.

People who are the victims of those scams increase this bad image when they share what happened to them with everyone they know.  However, many perfectly legitimate network marketing companies do exist. 

So, how can someone seeking a home business recognize a scam?  There are a few things that nearly always exist with scam businesses.

·        Scam companies rarely offer legitimate, high quality products or any products at all. So ask yourself, could you make money by only selling products with this company?  If the answer is no, it's a scam.

·        Has the rep trying to recruit you told you can make a lot of money with little or no effort? If they did, it's a scam.  There is no such thing as a “get rich quick" network marketing or online business. 

·        Were you told that your computer will do all the work while you sleep? You guessed it.  It's a scam.

·        Were you told that the distributor has a secret that helped them sponsor 100 people in less than two months?  Once again, it’s a scam!

·        Every network marketer should love and use the products they are promoting.  However, some companies require their reps to purchase a certain amount of product every single month, even if you don’t yet need them.  If you’re looking at a company that tells you it is mandatory to purchase products regularly, it could be a scam.

·        Have you found lots of negative posts about the company on the internet?  If so, you may want to reconsider the company.

·        “Miracle” products are flourishing these days.  Companies claim their product can cure everything from a hang nail to cancer.  There is NO cure all and you don’t want to be involved with networks selling these products.  

·        The same goes for cosmetics and makeup that offers unrealistic claims that their products seem too good to be true. Remember, there may be a hundred others who didn't have the same result compared to a few people who testified that the product works.

·        Run away from scammers who want you to sign up there and then without making a sound decision.

Research the company carefully.  Learn as much as possible about them using third party websites, not only the company pages.  Is it well-established or is it a new company?  If it is a startup, it may be a good opportunity for you. However, learn about the owner/manager of the company to see if they have been involved with illegal companies in the past.  New companies may well become profitable if they grow and you are near the top.  Of course, there is also a risk that they will fail.  The bottom line is to perform your due diligence and investigate. Don’t rush to join or put any money into a company.

On the other hand, don't let procrastination or fear prevent you from taking action toward achieving your financial goals through network marketing. Network marketing has many advantages if you join a company you have researched thoroughly and about whose products you feel passionate. 

For those of you seeking a new or additional home business, if you keep your eyes and ears open, you can find a business that can change your life!  Be wise and you may truly achieve financial independence. 

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For Xpress Healthcare® business opportunity info, visit http://joinxpresshealthcare.com. 

For affordable discount plans to reduce your Health and Dental expenses AND reduce costs on Hearing, Vision, Prescriptions, Roadside Assistance, Lifelock™ and even more, visit: http://ibourl.net/XpressSavings (NOT insurance). 

I invite you to visit my Facebook Page at http://www.facebook.com/XpressHealthcareTheWinnersCircle 

Are You Truly Striving for Success?

Since you are reading this post, you already know that online marketing is powerful.  If you are consistently using online marketing for your business, after you have been doing it a while, you will begin generating leads who contact you! 

Attraction or Relationship Marketing is vital to generating leads.  Among the many ways to generate leads online, I find blogging to be the most effective for growing an online presence.  Each blog posted remains online forever.  It costs us nothing but time to write and post a blog.   

Here are a few other tips about home businesses and online relationship marketing.

·        Don’t “Hype” your products or opportunity or include your business in everything you post online.  When you go into “selling mode,” it is natural for people to tune you out or resist.  Let your posts tell readers about you, not only your business. 

·        Demonstrate your knowledge by including value in your posts.  Value in your posts is important because people buy from those they know, like and trust.  Prospects should see you as a leader.  If you are seeking team members, you want them to appreciate that you know what you are doing and have a vision for success.

·        Understand that most people will not join or buy your products.  Build your relationship with them anyway. You never know who they know who may be interested in our opportunity. 

·        Don’t ever give up! Entrepreneurs face challenges whatever business they are in. You may have periods when you are earning no money. It happens. As an entrepreneur, you are stepping out of the average person’s lifestyle of working 40 hours a week for 40 years.  You are working to build a better life.  Don’t procrastinate; work your business every day – even if only for 10 minutes; and never quit! 

·        Persistence is crucial.  To succeed with any business, you must be persistent, consistent and patient. It may take months or even years.  Will you resist the urge to give up after a short time because your business isn’t growing as quickly as you want?  Are you convinced that you will succeed, whether it is next week, next month or next year? 

·        Do you have an overall strategy for achieving your long term goals?  The big picture includes putting a plan into action to achieve a successful result.

·        If you are working your business only “when you have time,” you likely are not working it very much at all.  Even if you have an outside job and/or children at home, create a work schedule that establishes when you will work your business. Building a successful business takes sacrifice.  If you have to give up your favorite TV show to work your business, isn’t it worth it to reach your goals? 

We have all read blogs about building a home business, but each one has a slightly different perspective and presents them differently.  I hope that at least a couple of these tips will be useful to each of you. 

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For Xpress Healthcare® business opportunity info, visit http://joinxpresshealthcare.com. 

 

For affordable discount plans to reduce your Health and Dental expenses AND reduce costs on Hearing, Vision, Prescriptions, Roadside Assistance, Lifelock™ and even more, visit: http://ibourl.net/XpressSavings (NOT insurance).  

I invite you to visit my Facebook Page at http://www.facebook.com/XpressHealthcareTheWinnersCircle 

No Man (or Woman) is an Island

Teamwork is vital to the success of virtually any business – a restaurant, retail store, huge corporation or a network marketing business.  No one stands alone and expects to accomplish all that needs to be done.  In retail and corporations, each person serves a specific purpose, and if one person isn’t holding up their end, the remaining people must pick up the slack.  In most situations, the “slacker” wouldn’t last very long with their company.  They would be fired.

In network marketing, teamwork is a bit different.  Unless a team member violates company rules, they generally cannot be “fired.”  There are a few elements that are needed to keep a team running smoothly. 

·        A common purpose.  With network marketing, each individual in a team is an independent business owner, but each joined the network to achieve success.  Yes, I know that not all the team members will ever be successful, but I’m talking a common purpose.

·        Interdependence.  Each member of a network marketing team depends on at least one other person to reach their goals.  They depend on their sponsor to train them and support them along their path.  Team leaders depend on each of their members to work their business, thus helping both the member and leader to grow their businesses.

·        Roles and contributions.  Each person can play more than one role in network marketing.  If they are building a team, they are a team leader.  However, that leader also has their own sponsor, and they are a member of that person’s team, helping their own sponsor by making sales.  How much each individual contributes to the team can greatly affect the success of many.

·        Accountability, both individual and mutual.  Each individual within a team is responsible to themselves to grow their personal business.  At the same time, they are also accountable to the team as a whole.  It is true that, in network marketing, there are always going to be those who do not take this responsibility seriously, either to themselves or their team.  These people never succeed.

·        Empowerment.  Independent business owners have the power to create an empire, make a decent living or supplement their income.  They are empowered to make their choices and work their businesses accordingly.  There is both freedom and challenges that come with empowerment.

Those individuals in network marketing who do not consider themselves part of a team are rarely successful.  Working together to achieve that common purpose drives each individual to work harder to help themselves and the team. 

·        Team meetings, Webinars and conference calls can help members of a team to see how important they are to the team as a whole. 

·        Competition between different teams can inspire team members to work harder to earn the prize and to help the team at the same time. 

·        For those who have team members who reside in their community, having local team events can help to strengthen a team. 

No matter how we do it, those leading a team must encourage their teams to work for the benefit of the company as a whole, for the team and for themselves.  They are all intertwined, and when everyone on a team works for the same common purpose, they are helping to create and maintain both a strong team and a successful business.

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For Xpress Healthcare® business opportunity info, visit http://joinxpresshealthcare.com. 

For affordable discount plans to reduce your Health and Dental expenses AND reduce costs on Hearing, Vision, Prescriptions, Roadside Assistance, Lifelock™ and even more, visit: http://ibourl.net/XpressSavings (NOT insurance). 

Arizona - The Grand Canyon State

•        AZ has 3,928 mountain peaks and summits, more mountains than any one of the other Mountain States (Colorado, Idaho, Montana, Nevada, New Mexico, Utah, and Wyoming). AZ also has 26 peaks that are more than 10,000 feet in elevation.  Rising to a height of 12,643 feet, Mount Humphreys north of Flagstaff is the state's highest mountain.  The states average elevation, however, is 4,000 feet. 

•        All New England, plus the state of Pennsylvania would fit inside AZ; and AZ is the 6th largest state in the nation, covering 113,909 square miles.  The state of Massachusetts could fit inside Maricopa County (9,922 sq. miles), which includes Phoenix, which originated in 1866 as a hay camp to supply military post Camp McDowell. 

•        AZ's disparate climate can yield both the highest temperature across the nation and the lowest temperature across the nation in the same day. 

•        There are more wilderness areas in AZ than in the entire Midwest. AZ alone has 90 wilderness areas, while the Midwest has 50.  AZ also has the largest contiguous stand of Ponderosa pines in the world stretching from near Flagstaff to the White Mountains. There are 11.2 million acres of National Forest in AZ, and one-fourth of the state is forested. 

•        Yuma, AZ is the country's highest producer of winter vegetables, especially lettuce. AZ also grows enough cotton each year to make more than one pair of jeans for every person in the United States. 

•        The Five C's of AZ's economy are: Cattle, Copper, Citrus, Cotton, and Climate.  In addition, more copper is mined in AZ than all the other states combined, and the Morenci Mine is the largest copper producer in all of North America. 

•        Clark Gable and Carole Lombard, were married on March 18, 1939, in Kingman, AZ. 

•        Coconino County at 18,608 square miles is the 2nd largest county by land area in the 48 contiguous USA. 

•        The world's largest solar telescope is located at Kitt Peak National Observatory in Sells, AZ. 

•        Bisbee, AZ is known as the Queen of the Copper Mines because during its mining heyday it produced nearly 25% of the world's copper and was the largest city in the Southwest between Saint Louis and San Francisco. 

•        Billy the Kid killed his first man, Windy Cahill, in Bonita, AZ. 

•        AZ became the 48th state and last of the contiguous states on February 14, 1912.  President William Howard Taft was ready to make AZ a state on February 12, 1912, but it was Lincoln's birthday. The next day, the 13th, was considered bad luck so they waited until the following day. That’s how AZ became known as the Valentine State.

•        When England's famous London Bridge was replaced in the 1960s, it was purchased, dismantled, shipped stone by stone and reconstructed in Lake Havasu City, AZ, where it still stands today. 

•        Mount Lemmon, in the Santa Catalina Mountains, is the southernmost ski resort in the United States. 

•        Rooster Cogburn Ostrich Ranch in Picacho, AZ is the largest privately-owned ostrich ranch in the world outside South Africa.   In the same area, the westernmost battle of the Civil War was fought at Picacho Pass April 15, 1862 near Picacho Peak in Pinal County.

•        The Saguaro (sa-wah-row) cactus is the largest cactus found in the U.S. If you cut down a protected species of cactus in AZ, you could spend more than a year in prison. It can grow as high as a five-story building; it can store up to nine tons of water; and is native to the Sonoran Desert, the most biologically diverse desert in North America, stretching across southern AZ. 

•        The world's largest to-scale collection of miniature airplane models is housed at the library at Embry-Riddle Aeronautical University in Prescott, AZ. 

•        The only place in the country where mail is delivered by mule is the village of Supai, located at the bottom of the Grand Canyon. 

•        Located on AZ's western border, Parker Dam is the deepest dam in the world at 320 feet.  South Mountain Park/Preserve in Phoenix is the largest municipal park in the country.

•        Palo Verde Nuclear Generating Station, located about 55 miles west of Phoenix, generates more electricity than any other U.S. power plant. 

•        Oraibi, a Hopi village located in Navajo County, AZ, dates back to before A.D. 1200 and is reputed to be the oldest continuously inhabited community in America.  Out of all the states in the U.S., AZ has the largest percentage of its land designated as Indian lands. The negotiations for Geronimo's final surrender took place in Skeleton Canyon, near present day Douglas, AZ, in 1886.  The Navajo Nation spans 27,000 square miles across the states of Utah, AZ and New Mexico, but its capital is seated in Window Rock, AZ. 

•        Petrified wood is the official state fossil. The Petrified Forest in NE AZ contains America's largest deposits of petrified wood. 

•        Rainfall averages for AZ range from less than three inches in the deserts to more than 30 inches per year in the mountains. 

•        Roadrunners are not just in cartoons! In AZ, you'll see them running up to 17-mph away from their enemies. 

•        The best-preserved meteor crater in the world is located near Winslow, AZ. (Yes, the one of “standing on the corner…” fame.)

•        The amount of copper utilized to make the copper dome atop AZ’s Capitol building is equivalent to the amount used in 4.8 million pennies. 

•        Near Yuma, the Colorado River's elevation dips to 70 feet above sea level, the lowest point in the state. 

•        The geographic center of AZ is 55 miles southeast of Prescott near the community of Mayer. 

•        You could pile four 1,300-foot skyscrapers on top of each other and they still would not reach the rim of the Grand Canyon. 

•        The hottest temperature recorded in AZ was 128 degrees at Lake Havasu City on June 29, 1994; and the coldest temperature recorded in AZ was 40 degrees below zero at Hawley Lake on January 7, 1971. 

•        Wyatt Earp was neither the town marshal nor the sheriff in Tombstone at the time of the shoot-out at the O.K. Corral. His brother Virgil was the town marshal. 

•        On June 6, 1936, the first barrel of tequila produced in the United States rolled off the production line in Nogales, AZ. 

•        Bisbee, in SE AZ, is the Nation’s southernmost mile-high city. 

•        The two largest man-made lakes in the U.S. are Lake Mead and Lake Powell, both located in AZ. 

•        The longest remaining intact section of Route 66 can be found in AZ, running from Seligman to Topock, 157 unbroken miles. 

•        The 13 stripes on the AZ flag represent the 13 original colonies of the United States. 

•        Prescott, AZ is home to the world's oldest rodeo, and Payson, AZ is home to the world's oldest continuous rodeo, both of which date back to the 1880's. 

Kartchner Caverns, near Benson, AZ, is a massive limestone cave with 13,000 feet of passages, two rooms as long as football fields, and one of the world's longest soda straw stalactites: measuring 21 feet 3 inches. 

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For Xpress Healthcare® business opportunity info, visit http://joinxpresshealthcare.com. 

 

For affordable discount plans to reduce your Health and Dental expenses AND reduce costs on Hearing, Vision, Prescriptions, Roadside Assistance, Lifelock™ and even more, visit: http://ibourl.net/XpressSavings (NOT insurance). 

What Does that Mean?

I have always been fascinated by words, terms and expressions we use without giving them any thought.  So, I decided to research a few to learn their origins.  I found my answers on various websites.

What is the origin of:

News

"News" developed as a special use of the plural form of "new" in the 14th century. In Middle English, the equivalent word was 'newes', based on the French 'nouvelles'. 

It is not, as is often claimed, an acronym for "north, east, west, south."  (Which, I admit, I believed it was.) 

A Little Bird Told Me

The text 'a little bird told me' doesn't appear in any version of the Bible, but the root source of this expression probably is biblical, from Ecclesiastes 10-20 (King James Version):

"Curse not the king, no not in thy thought; and curse not the rich in thy bedchamber: for a bird of the air shall carry the voice, and that which hath wings shall tell the matter."

Various authors over the centuries, including Shakespeare, have made reference to birds, feathered or otherwise, giving messages. The first that comes close to our current version of this phrase is Frederick Marryat, in Peter Simple, 1833:

"A little bird has whispered a secret to me."

Off the Wall

Origin: In certain sports such as handball and racket ball, a player hits a ball against the wall. When it comes off the wall, one has no idea where it is going. Therefore, out of this, the expression implied, unpredictability.

Happy as a Clam

Why would clams be happy? It has been suggested that open clams give the appearance of smiling. The derivation is more likely to come from the fuller version of the phrase, now rarely heard - 'as happy as a clam at high water'. Hide tide is when clams are free from the attentions of predators; surely the happiest of times in the bivalve mollusc world. The phrase originated in the north-eastern states of the USA in the early 19th century. The earliest citation that I can find is from a frontier memoir The Harpe's Head - A Legend of Kentucky, 1833:

"It never occurred to him to be discontented... He was as happy as a clam."

Close, but No Cigar

The phrase, and its variant 'nice try, but no cigar', are of US origin and date from the mid-20th century. Fairground stalls gave out cigars as prizes, and this is the most likely source, although there's no definitive evidence to prove that.

It is first recorded in print in Sayre and Twist's publishing of the script of the 1935 film version of Annie Oakley:

"Close, Colonel, but no cigar!"

There’s No Such Thing as a Free Lunch

Free lunch was a commonplace term in the USA and, to a lesser extent in Britain, from the mid-19th century onward. It wasn't handouts of food to the poor and hungry; it denoted free food that saloon keepers used to attract drinkers; for example, this advertisement for a Milwaukee saloon, in The Commercial Advertiser, June 1850:

At The Crescent...Can be found the choicest of Segars, Wines and Liquors...A free lunch every day at 11 o'clock will be served up.

Free lunches, often cold food but sometimes quite elaborate affairs, were provided for anyone who bought drink. In reality saloon customers ended up paying for the food in the price of the drinks they were obliged to consume. It was into this context that the economic theorists enter the fray and 'there's no such thing as a free lunch' is coined. It isn't known who coined the phrase.

I hope you enjoyed learning the origins of common expressions and words.  I would love to hear some of yours too.  Leave them as a comment below.

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For Xpress Healthcare® business opportunity info, visit http://joinxpresshealthcare.com.  

For affordable discount plans to reduce your Health and Dental expenses AND reduce costs on Hearing, Vision, Prescriptions, Roadside Assistance, Lifelock™ and even more, visit: http://ibourl.net/XpressSavings (NOT insurance). 

Is There Really a Glass Ceiling for Women?

My whole life I have heard that women are paid far less for the same or equivalent positions.  But why is this – and is it true?  So, I decided to research this topic.  It was rather eye-opening to learn some of the facts and statistics surrounding this subject.

Facebook COO Sheryl Sandberg wrote a book called, Lean In: Women, Work, and the Will to Lead.   According to Sandberg, there are a variety of reasons do not hold equal power.  One huge problem, according to Sandberg is that women are taught not to seek power, therefore limiting their own ambitions and sabotage their careers.

·        57% of college graduates are women, and 63% of those have master’s degree. That majority, however, seems to matter less as their careers progress.

·        21 of the Fortune 500 CEOS are women.

·        Women hold 14% of executive officer positions.

·        Women hold 16% of board seats.

·        Congress is 18% female.

·        In 1970, Women were paid $0.59 for every dollar men made. It's now $0.77.

Various studies have concluded that women must prove themselves more than men. One study found that men are promoted based on potential, while women are promoted on accomplishments.

Could it be that women are also holding themselves back? 

·        4000 employees at big companies were asked if they wanted to be CEO.  36% of men said they would.  Only 18% of women answered “yes.”

·        Far fewer women than men say they want to be president.

·        Middle school boys say they want to be leaders when they grow up. Middle school girls usually don't say that.

·        Successful women sometimes like "impostors" who will be found out.

·        Despite the fact that women generally outperform men, female surgical students give themselves lower grades.

·        Girls receive lower grades on tests when they have to check off M or F before taking it.

·        Men attribute their success to innate qualities and skills. Women attribute theirs to luck and support from others.

·        If a man fails, he’ll often say it is because they really weren't interested.  Women, on the other hand, blame their lack of ability.

·        Men are 60% more likely to think of themselves as "very qualified" to run for office.

So why do women seem to be less ambitious and confident?  Sheryl Sandberg’s research revealed that: 

·        Parents talk to girl babies more than boy babies.

·        Mothers overestimate their sons' ability to crawl but underestimate their daughters.

·        Mothers spend more time comforting and hugging infant girls.

·        Mothers spend more time just watching their infant boys play by themselves.

·        Teachers call on boys more often.

·        Teachers answer boys when they shout out an answer.  However, they often scold girls who call out, and tell them to raise their hands.

All these factors limiting women’s ambition can certainly affect individual women’s careers, but it also can affect the economy as a whole.  Why?  41% of women are primary breadwinners. 23% are co-breadwinners. 52% of black children are raised by a single mother.

The number of women working outside the home has increased dramatically since 1950 when about one in three women held jobs.  By 1998, nearly three of every five women of working age were in the labor force.  By 2010, nearly 65 million women held jobs, 53 % of them worked in the three industries that employed the most women: education and health services; trade, transportation, and utilities; and local government.

The Federal Glass Ceiling Commission released a report stating that only 7%-9% of senior managers at Fortune 1000 firms are women. Considering that women make up nearly half of the nation's workforce, this is a disturbing number. Highly educated and/or experienced women face their biggest challenges at upper levels of corporations. Well-qualified women face “glass ceilings,” due primarily to stereotypes or preconceptions (81%), and employers who are hesitant to “take a risk” by promoting a female (49%).

Women today are leaving the corporate world in huge numbers-twice the rate of men. They are leaving to find positions that are more satisfying and rewarding, or they are starting up their own business.

The National Foundation for Women Business Owners stated that women own approximately 7.7 million companies; an increase of 43% since 1990. Women are starting new businesses at twice the rate of men. Subsequently, big companies are losing valuable players. This is becoming costly to organizations that invested time and money in their employees.  Both organizations and women could benefit by reexamining the obstacles that prevent females from advancing and from being valued in the workplace.

I am not sure my research taught me anything about how this problem can be resolved, but it did prove to me that there definitely is a “glass ceiling” for women in the corporate world.  This is 2014.  Such discrimination should not exist.

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For Xpress Healthcare® business opportunity info, visit http://joinxpresshealthcare.com. 

For affordable discount plans to reduce your Health and Dental expenses AND reduce costs on Hearing, Vision, Prescriptions, Roadside Assistance, Lifelock™ and even more, visit: http://ibourl.net/XpressSavings (NOT insurance).