変更

Many business owners today are faced with the challenge of too much to do and seemingly insufficient time in which to do it. It is easy to become overwhelmed-there is always a lot to do and it all seems to need to be done NOW!

As an entrepreneur you may need to wear the many hats of CEO, receptionist, sales manager, marketing director and janitor all rolled into one, so you can quickly lose focus and become snowed under. It’s easy to get caught up with the busyness and just do what we’ve always done. But in order to maintain our sanity, increase our efficiency and live balanced lives while growing our businesses we need to step back, take an objective look at our situation, and make some needed changes.

To stay competitive and grow requires innovation and that inevitably means change. As Charles Darwin said, “It is not the strongest of the species that survive, nor the most intelligent, but the one most responsive to change.” Change is vital for our survival and growth, but often presents our greatest challenge. Developing new habits isn’t easy-old habits, however unproductive, are comfortable and usually demand little thought or effort. Staying in the status quo may be easy, but it probably won’t get you where you want to go.

Easy Keys to Make Positive Changes

Below are three keys that have helped me to make needed changes.

1. Keep Your Eyes on the Prize

Take some time to clearly define where you ultimately want to take your life and your business and why. Ask yourself what you want your life and your business to look like in the future. Conceptualize it-see it, feel it, smell it. Think about what you want to be remembered for.

In order to achieve this, note down the changes you’ll need to make.

2. Consider the Price

Weigh the costs and the rewards. Reflect on what these needed changes will cost you personally. You may have to reach beyond your comfort zone-perhaps learn new technology, work in unfamiliar markets, brush up on skills you haven’t used lately or do things you don’t especially enjoy. Be realistic and understand the price you’ll have to pay to change. Also consider the possible consequences of failing to make these changes.

3. Commit to the Process

Write a step-by-step plan to reach your goal. It needn’t be complicated, but it needs to be documented. Now, commit to work your plan.

It helps to share your plan with someone else and ask him or her to hold you accountable to make the changes and do what you’ve committed to do. It’s also encouraging to celebrate your successes, even the small ones, together.

Keep your eyes on the prize. Recognizing and remembering the potential payback to you and your business of making these changes is key-the What’s in it for me? factor. Focusing on these benefits often provides the motivation and self-discipline we need to make the effort and stick with our new habits. I encourage you to take your time, your business and your life seriously-take responsibility for your own success by making necessary changes.

Victoria K. Munro is co-founder (along with husband Dave Block) of Make-it-Fly® LLC, a company dedicated to creating success for small business owners through creatively designed programs and tools. Victoria has started and run nine different businesses. To receive FREE business success articles with tips to help you with your business, sign up for their award-winning ezine, “In-Flight Refueling,” at: http://www.Make-it-Fly.com, and receive a free copy of the eBook, Get More Done in Less Time: 101 Quick and Easy Time Tactics & Tips.

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Putting new grips on your golf clubs can be a inexpensive and effective solution to quickly give you more consistency in your game.

Most amateur golfers never change the grips on their clubs. They play for years with a set of clubs without ever changing the grips!

Whereas, some professionals have been known to re-grip their clubs at the end of every competitive round. They do this so their clubs feel exactly the same. Chances are that they don’t need them re-gripping that often, but in today’s tour competitions there is so much money at stake that they do not want to leave anything to chance.

How often should you re-grip your clubs?

A good general rule is:

if you play once a week, then you should change the grips on your clubs once a year. Play twice a week, change twice a year etc.

Of course, if you do a lot of practice on the range you should consider changing your grips even more frequently. You could easily hit 30 shots with your driver in a range session. In a round of golf you may not use your driver more than 10 times. So one range session a week hitting 30 drives, would equate to 3 rounds a week, implying re-gripping 3 times a year.

You will also find you have certain clubs that are used far more often than others, especially if you only play your home course the majority of the time. This is because you play the course in a certain way – same clubs for same shots, mostly governed by the length of the course. So after some months the grips on certain clubs become more worn than others.

What happens when a grip is worn?

Grips are fundamentally just pieces of rubber to enable us to hold the golf club securely. The grips have various type of a textured surface to provide more grip security and feel. As a grip is used over and over the surface rubber begins to wear. The natural oils in our hands also start to affect the grips. You will notice this as it will start to look shiny.

If you look at old used set of golf clubs that have never been re-gripped you will see that the grips are often very shiny.

Shiny grips are a problem. You have to grip the club harder when the grip is shiny so that it does not slip and turn in your hands as you take a swing. You may not even be aware you are doing it! The problem with gripping the club too hard is that it adversely affects the way you strike the ball. Your hands are simply not relaxed, and therefore, because the muscles in your hands and forearms are tense, they will slow down. In the golf swing, relaxed hands are fast hands. You need fast hands to get good distance.

It is worth checking your golf clubs at least once a month. Compare grips across the entire set. If any are beginning to wear, consider getting them renewed.

New grips feel good. They can almost feel “sticky” by comparison to the old worn grips. This can give you real sense of confidence.

Confidence builds success.

MARK PEARSON has been playing golf for over 25 years, and teaches and plays golf professionally in the UK. Mark is the author of “How to Master Putting and Putt like a Pro – a guide to golf’s game within a game”

http://www.masterputting.com

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When the Medicare Part D program took effect in January 2006, it was with the best of intentions. Over two years later, the main question would be, has the Medicare Part D made substantial changes to the lives of seniors?

If we go by current statistics, it can be said that Medicare Part D has made some improvements in the lives of seniors, but there have been no revolutionary changes thus far. Over 50% of Medicare beneficiaries are enrolled in Medicare Part D. And since the program began, the number of Medicare beneficiaries who do not have drug coverage decreased, from 38% to 10%.

However, even with Medicare Part D coverage, there are still seniors who are skipping on medicines because of their high costs. In 2006, after the Medicare Part D program was set up, 11.5% of Medicare beneficiaries still skipped medicines because of the high cost. But this was a minimal decrease from 2005, when 14.1% of Medicare beneficiaries skipped on medicines. In 2006, 7.6% of Medicare beneficiaries scrimped on their basic needs so they could buy medicines. This is a slight decrease in 2005, when 11.1% of seniors also scrimped on basic necessities to pay for medicine. The sickest Medicare recipients skipped pills but did not forego their basic needs. Their numbers were the same prior to and after the enactment of Medicare Part D.

Studies also show that many Medicare beneficiaries do not understand the Medicare Part D program.

CMS Guidelines On Marketing

On May 8, the Centers for Medicare & Medicaid Services (CMS) proposed a new rule requiring Medicare Part D plan providers to intensify their marketing efforts on their Part D plans: stand-alone Prescription Drug Plans (PDPs) and Medicare Advantage (MA) plans. The proposed new ruling also targets the tightening of MA Special Needs Plans (SNPs). Hopefully, this new rule takes effect in time for the marketing period of Medicare Part D 2009

With the new ruling, the CMS would be more flexible at determining the penalties against prescription drug plans that violate Medicare rules, which adversely affect Medicare beneficiaries. The new rule gives the CMS the author to impose a penalty of $25,000 for every enrollee who is adversely affected by the violation.

The proposed new rule also set a limit to the sales and marketing activities of plan providers, including:

* Prohibition of cold calls and expanding the existing prohibition on door-to-door marketing. Part D plan providers would have to set an appointment with Medicare beneficiaries in advance.

* Prohibition of cross-selling products unrelated to healthcare to a Part D enrollee.

* Prohibition of active sales activities at information fairs, community meetings and waiting rooms of health clinics.

* Medicare Advantage organizations using independent agents for their marketing must employ only state-licensed agents.

* Medicare Advantage organizations should set up level commission structures for their brokers and sales agents across all Medicare advantage products.

* Medicare Advantage organizations need to make sure that 90% of all new SNPs enrollees must be individuals with special needs. The proposed new rule of CMS will also outline the standards for delivery of services.

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