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    The Seven Money Skills Of Extremely Prosperous People
    We are living in the Golden Age of Mankind. Not the Dark Ages, not the Middle Ages, not the Classical Age, the Industrial Age, but the Golden Age.What does this mean? Essentially historians have labeled our times as Golden because of the overwhelming possibilities for human beings to become prosperous and live lives of abundance and happiness.Yet despite such possibilities, many still struggle because the are unaware or choose to ignore the laws of financial freedom.Financial independence is simply defined as:The ability to live from the income of your personally invested resources.How does one go about reaching a point of financial independence? Glad you asked. Here we go, as practiced by self-made people from all walks of life.Extremely prosperous, fin
    ht out of the box before she could get it on the rack," says Glaspie.

    Now in it's third year, Aphira is established in nearly 150 golf shops in the United States, Europe, and Asia. But success didn't come without some missteps.

    "I thought we had to be really different when we first launched," recalls Glaspie. The debut line was sexy and edgy with closefitting tops and tennis-length skorts. "But we've toned that down a bit as we've gone on." The shift in style reflects the company's research into just who's buying their stylish line, which in many markets is actually retirees in there 50s and 60s.

    "Nike and Addidas design sportswear for the at

    Courier Service - Courier Company Secrets that Some Do Not Want You to Know Part 1
    Hold Backs on Regular DeliveriesThere are a lot of great companies that provide Courier Service who are able to provide very dependable Courier Services. However, there are far more not-so-good Courier companies whose practices are unreliable or questionable, and leave you asking "Where is my delivery?" and "When is it going to finally arrive?" Sorry to have to ask, but which type of Courier Company are you using?You might be surprised to know that, the differences between a good Courier Company and a bad one are remarkably simple and easily distinguishable. That is, if one knows some basic fundamentals to efficient and high level transportation service procedures. Learning some of the practices some Couriers use can make all the difference in the world in finding a reliable one; one
    A fresh approach to club attire

    Jennifer Glaspie launched Chicago-based Aphira golfware to create apparel for the social golfer who wants to stand out on the green, not fit into the club.

    by Carolyn Schwaar

    When novice golfer Jennifer Glaspie was kicked off the green at a Florida golf club for wearing a sleeveless, collarless sweater, she didn't know then that women's golf apparel would become her life's passion.

    From the runway to the fairway

    In 2000, Glaspie, a successful corporate business consultant at the prestigious Chicago-based firm of Baine & Co, started learning golf at the request of her boyfriend (now husband). But as her golf swing improved, this petite and style-savvy urbanite found her clothing options didn't.

    "Golf apparel is so far behind the curve fashion-wise and the options for the fashion-conscious golfer are limited," she says. But it took a cool October morning with a tee time looming and "nothing to wear" that finally pressed Glaspie to action.

    Convinced that there was great potential in a high-end line of women's golf clothing that was trendy and comfortable yet sophisticated, Glaspie put her career on hold, and put her Kellogg MBA to use developing a business plan to launch a chic line of women's golf apparel.

    "I've always had a love of fashion, but I thought entering the competitive apparel industry would be just crazy," recalls the 32-year-old Michigan native. However, research showed that, although the apparel industry is cut-throat, high-end niches such as resort ware and specialized sports apparel, have their own, more accessible and less competitive market. "I found some fashion-forward lines that were doing well, but the market certainly wasn't saturated, so everything pointed to 'go,' " she says.

    Glaspie and her tradition-bucking designer, Cassy Clark, set out to create golf apparel that was fun to wear, hip, and a little bit sexy, hoping against hope that they would have a hit. And they did.

    Aphira debuted at the 2005 PGA Merchandise show in Florida. "There we were walking practically three miles back to our little booth past these huge corporate booths," recalls Glaspie. "We felt totally overwhelmed, but from the beginning, people started saying great things. One women said 'I love this line, this is my favorite line here out of 1,000 exhibitors. It felt promising. We felt really, really good."

    The duo wrote dozens of orders at the show for their first line. And when their initial customers received their shipment and loved it, they began to think that they might just have something. "One client said people where buying it right out of the box before she could get it on the rack," says Glaspie.

    Now in it's third year, Aphira is established in nearly 150 golf shops in the United States, Europe, and Asia. But success didn't come without some missteps.

    "I thought we had to be really different when we first launched," recalls Glaspie. The debut line was sexy and edgy with closefitting tops and tennis-length skorts. "But we've toned that down a bit as we've gone on." The shift in style reflects the company's research into just who's buying their stylish line, which in many markets is actually retirees in there 50s and 60s.

    "Nike and Addidas design sportswear for the ath

    Learning from Your Employees' and Customers' Complaints
    Listening to complaints, whether they're reasonable or not, is a part of every manager's job. Sometimes complaints can be overwhelming. However, by taking them in stride with an open mind, we can learn much from our employees' and customers' feelings about the workplace.After all, a complaint is nothing more that a person telling you that his (or her) needs haven't been met. As dissatisfied customers, they are giving us a second chance to correct something that should have been done properly the first time around. (In this case the customer happens to be your employee.)If you listen to them patiently and attentively, their complaints will alert you to a real or potential problem, or tell you of a better way to handle a situation.We are not use, however, to coping with complaint
    her golf swing improved, this petite and style-savvy urbanite found her clothing options didn't.

    "Golf apparel is so far behind the curve fashion-wise and the options for the fashion-conscious golfer are limited," she says. But it took a cool October morning with a tee time looming and "nothing to wear" that finally pressed Glaspie to action.

    Convinced that there was great potential in a high-end line of women's golf clothing that was trendy and comfortable yet sophisticated, Glaspie put her career on hold, and put her Kellogg MBA to use developing a business plan to launch a chic line of women's golf apparel.

    "I've always had a love of fashion, but I thought entering the competitive apparel industry would be just crazy," recalls the 32-year-old Michigan native. However, research showed that, although the apparel industry is cut-throat, high-end niches such as resort ware and specialized sports apparel, have their own, more accessible and less competitive market. "I found some fashion-forward lines that were doing well, but the market certainly wasn't saturated, so everything pointed to 'go,' " she says.

    Glaspie and her tradition-bucking designer, Cassy Clark, set out to create golf apparel that was fun to wear, hip, and a little bit sexy, hoping against hope that they would have a hit. And they did.

    Aphira debuted at the 2005 PGA Merchandise show in Florida. "There we were walking practically three miles back to our little booth past these huge corporate booths," recalls Glaspie. "We felt totally overwhelmed, but from the beginning, people started saying great things. One women said 'I love this line, this is my favorite line here out of 1,000 exhibitors. It felt promising. We felt really, really good."

    The duo wrote dozens of orders at the show for their first line. And when their initial customers received their shipment and loved it, they began to think that they might just have something. "One client said people where buying it right out of the box before she could get it on the rack," says Glaspie.

    Now in it's third year, Aphira is established in nearly 150 golf shops in the United States, Europe, and Asia. But success didn't come without some missteps.

    "I thought we had to be really different when we first launched," recalls Glaspie. The debut line was sexy and edgy with closefitting tops and tennis-length skorts. "But we've toned that down a bit as we've gone on." The shift in style reflects the company's research into just who's buying their stylish line, which in many markets is actually retirees in there 50s and 60s.

    "Nike and Addidas design sportswear for the at

    Tips On Selecting The Right Mortgage Lender
    For most home buyers, selecting the right mortgage lender and the right home loan package may seem like an overwhelming task. There are so many rival lenders promising so many different things. They see advertisements for wonderful interest rates and mortgage packages. Of course, those packages are only available for a small percentage of home buyers who fit very particular criteria.So when you're talking with a mortgage lender you should always feel relaxed to ask questions. The lender may not always be able to give you an instant answer, but you should desire that they find out the answer before giving you a quick but wrong answer. You should also feel that your lender is giving you honest information.With proper research you can find a mortgage lender or group of lenders that will
    n, but I thought entering the competitive apparel industry would be just crazy," recalls the 32-year-old Michigan native. However, research showed that, although the apparel industry is cut-throat, high-end niches such as resort ware and specialized sports apparel, have their own, more accessible and less competitive market. "I found some fashion-forward lines that were doing well, but the market certainly wasn't saturated, so everything pointed to 'go,' " she says.

    Glaspie and her tradition-bucking designer, Cassy Clark, set out to create golf apparel that was fun to wear, hip, and a little bit sexy, hoping against hope that they would have a hit. And they did.

    Aphira debuted at the 2005 PGA Merchandise show in Florida. "There we were walking practically three miles back to our little booth past these huge corporate booths," recalls Glaspie. "We felt totally overwhelmed, but from the beginning, people started saying great things. One women said 'I love this line, this is my favorite line here out of 1,000 exhibitors. It felt promising. We felt really, really good."

    The duo wrote dozens of orders at the show for their first line. And when their initial customers received their shipment and loved it, they began to think that they might just have something. "One client said people where buying it right out of the box before she could get it on the rack," says Glaspie.

    Now in it's third year, Aphira is established in nearly 150 golf shops in the United States, Europe, and Asia. But success didn't come without some missteps.

    "I thought we had to be really different when we first launched," recalls Glaspie. The debut line was sexy and edgy with closefitting tops and tennis-length skorts. "But we've toned that down a bit as we've gone on." The shift in style reflects the company's research into just who's buying their stylish line, which in many markets is actually retirees in there 50s and 60s.

    "Nike and Addidas design sportswear for the at

    Educational Conferences
    Educational conferences feature motivational and educational sessions for industry newcomers and experienced executives in key business categories, including management, investment, technology and business skills development. They help explore and discover innovative education; products and services that will help arrive at solutions. Educational conferences help students gain a wide knowledge in the various fields of study and cope with fast developing technology. Participation by teachers, administrators and staffs at these conferences provides them with an awareness to build technology rich learning environments. Various conferences, conference dates, location, subject and other information such as prior booking, transportation and are listed in conference directories.Educational conferen
    hey did.

    Aphira debuted at the 2005 PGA Merchandise show in Florida. "There we were walking practically three miles back to our little booth past these huge corporate booths," recalls Glaspie. "We felt totally overwhelmed, but from the beginning, people started saying great things. One women said 'I love this line, this is my favorite line here out of 1,000 exhibitors. It felt promising. We felt really, really good."

    The duo wrote dozens of orders at the show for their first line. And when their initial customers received their shipment and loved it, they began to think that they might just have something. "One client said people where buying it right out of the box before she could get it on the rack," says Glaspie.

    Now in it's third year, Aphira is established in nearly 150 golf shops in the United States, Europe, and Asia. But success didn't come without some missteps.

    "I thought we had to be really different when we first launched," recalls Glaspie. The debut line was sexy and edgy with closefitting tops and tennis-length skorts. "But we've toned that down a bit as we've gone on." The shift in style reflects the company's research into just who's buying their stylish line, which in many markets is actually retirees in there 50s and 60s.

    "Nike and Addidas design sportswear for the at

    Coaching Your Business To The Next Level Series Part 3 - Assessments
    This third article in the series on Coaching Your Business to The Next Level Series. Article #1 -- Top 7 Tips to Avoid the Top 7 Mistakes Small Business Owners Make. (See link at bottom of article to previous article.) Article #2 -- Coaching Your Business to the Next Level Series Part 2 Assess Your Business both Externally and Internally Mistake: Don’t presume that you know what is going on in your business. Take the time to assess your business both externally and internally. Using an organizational assessment based upon proven criteria such as Baldrige may help you to focus on the directionally correct actions.Many business owners resist assessments because they take time,
    ht out of the box before she could get it on the rack," says Glaspie.

    Now in it's third year, Aphira is established in nearly 150 golf shops in the United States, Europe, and Asia. But success didn't come without some missteps.

    "I thought we had to be really different when we first launched," recalls Glaspie. The debut line was sexy and edgy with closefitting tops and tennis-length skorts. "But we've toned that down a bit as we've gone on." The shift in style reflects the company's research into just who's buying their stylish line, which in many markets is actually retirees in there 50s and 60s.

    "Nike and Addidas design sportswear for the athletic golfer," says Glaspie. "Our customer is more socialite than athlete. She doesn't play four-times a week, she plays with her girlfriends on the weekends, and she's someone who's always put together."

    Like a lot of entrepreneurs, Glaspie is owner, marketer, sales rep and even model. "One time at a meeting with the proshop owner at the Ravinia Green Country Club I ran and put on a pair of shorts to show the client how they fit," says Glaspie. Every piece in the line is made in her size for product testing. "I need to try it all on. I swing a club and I walk around it in. I'm a golfer and I know the functionality that the garment needs to have."

    The Aphira line is made entirely in America. The fabric is custom dyed and shipped to a factory on Chicago's north side for assembly.

    For now, Aphira apparel is only available in golf stores, and that's just fine with Glaspie. "We need to stay focused on the golf market. We know every dollar invested will be a few dollars return in the golf market but it would take too much capitol to break into the larger apparel retail market."

    Although you won't see Aphira in department stores, you can get a glimpse of it on the popular Golf Channel reality show The Big Break: Ladies Only, which will feature Aphira apparel on golfer Valeria Ochoa this spring. And the new Hollywood film "Who's Your Caddy?," billed as "an urban take on the comedy golf movie" features a sexy character wearing Aphira throughout the film.

    The chancy career hop from guiding the strategic growth of Fortune-500 companies to making golf skorts has definitely paid off, says Glaspie. "It has just been a whirlwind but I'm definitely having fun. In consulting I had peeks and valley and good weeks and bad weeks, but when it's your own company your highs are really high and lows are really low. Everything takes on so much more importance when it's your own."

    ###

    Callout or boxed item: Aphira: a-fear-ah. A word invented by golfwear entrepreneur Jennifer Glaspie taken from the Latin word ephiro, meaning to exult.

    Sidebar: Can fashion attract more women to golf? Although it may sound shallow to say more fashionable golfware will get more women to play golf, Jennifer Glaspie, owner of Aphira women's golf apparel in Chicago, says it's absolutely true. "I have a friend who I asked to take some golf lessons with me but she said 'I play tennis because the cloths are cuter.' Having more fashion in this sport does change its image."

    Just take a look at internationally televised women's golf tournaments like the Lexus Cup where teams lead by Annika Sorenstam and Grace Park ditched th

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