In order to maintain property values, most people would like to be able to do a deep cleaning of a home or office on a regular basis.  However, it is not always a practical goal for many people.  In order to do such a deep cleaning, most people would have to rent or buy cleaning equipment and products to use in the home or office.  Rental equipment is usually not kept in the best condition and may not work very well, leaving residue from previous cleanings in a home or office that is currently being cleaned.  The products that individuals can purchase are usually not the industrial strength products that New York City cleaning services can purchase.

In addition, to do a deep cleaning of the home of office, there has to be a substantial amount of time available or at least a commitment to a cleaning rotation in which the different aspects of deep cleaning are added to the normal cleaning that is done.  Most individuals are not able to commit to such a schedule in the course of their busy lives, leaving the deep cleaning undone and possibly reducing the building’s value over time.  Hiring professional New York City cleaning services is one way to ensure that the home or office is kept in the best condition possible.

What to Expect from New York City Cleaning Services

Professional New York City cleaning services are an asset to the home or office from day one.  Not only does the service allow the home or office to remain in a pristine condition from week to week, but it also helps to maintain or increase the property value of that particular space.  Homes and offices that are taken care of on a regular basis by a maid service are considered of greater value since all aspects of those spaces are kept free of mold and bacteria which can corrupt them.  For instance, carpets that are deep cleaned regularly will last longer than those that are not since the molds and bacteria that tend to eat away at the carpet, discoloring it and making it fall apart, are not allowed to grow.

In addition, utilizing New York City cleaning services allows the home or office to be ready for sale on a moment’s notice since they are kept free of dirt and debris that tend to build up over time in a home or office that is not regularly deep cleaned.  By utilizing a professional service, the home or business owner is also alerted by the service if there are any problems that they encounter when cleaning.  They will often notice rotting wood, leaking faucets and other conditions that the home or business owner may not notice for a considerable amount of time since the problems are located in spaces that are not regularly visited.

These New York City cleaning services can be hired to come as regularly as the customer desires, and there are also usually a variety of options that help the person to customize the cleaning service to his needs.  When the desire is to keep the property value high, a regular service with a more comprehensive cleaning rotation is usually desired, as opposed to a schedule of deep cleaning that is less frequent.

Buying New York Broadway tickets is expensive business, especially when you are looking for premium seats for popular shows. You can buy your Broadway tickets through ticket agencies, such as Telecharge and Ticket Master, which sell around 98 percent of all Broadway tickets. These agencies, however, sell tickets at face value, and you have to pay an additional booking charge, which at present comes to $8 for every ticket purchased. You can, of course, avoid paying this booking fee by buying your tickets directly from the Box Office, but you still buy at the face value.

When a particular show becomes popular, certain private ticketing agencies buy up all the extra tickets available, and you land up paying more for the tickets you need. This happens when you approach agencies, such as eBay, and Craig list, among others.

Does this mean that you cannot obtain New York Broadway tickets at affordable prices?

Knowing How To Do It

Of course, you can buy New York Broadway tickets at prices lower than the face value of the ticket – if you know how. Let us look at the alternatives available for obtaining affordable tickets for top shows on Broadway.

Starving Artist Tickets – These New York Broadway tickets are designed for purchase by struggling artists who cannot afford to buy tickets on full price. To obtain these you must remain on line for a few hours. These can be obtained even for the top shows, and the best seats in the house can be bought for as little as $20.

Anyone Rush Tickets – These are same day tickets given out in a lottery, and are available when the Box Office opens a few hours before the production starts. If you are lucky to win the lottery, these tickets cost around $25 to $45, and are to be paid in cash only.

Discount Ticket Codes – These secret codes are given out for marketing purposes. If you are able to obtain the code, you could avail of between 25 percent to 60 percent discount on the face value of the ticket. These discount codes can be used at the Box Office or with Telecharge or Ticket Master

.

Partial View Tickets – Certain seats have obstructed view due to the scenery, or due to the support columns that come in the way. New York Broadway tickets for such seats, which may be at the very front or the sides of the orchestra, are available at significant discounts.

Student Rush Tickets – These are ideal for students, and are available when the Box Office opens, or a few hours before the production starts. These cost between $20 to $25 per ticket, and each student ID can purchase two tickets.

Standing Room Only – These tickets are very inexpensive and may cost around $20 for even the top Broadway show. These do not guarantee any seats, but you may possibly get a seat if any remain unoccupied after the show has started.

These are some of the ways to get your New York Broadway tickets at very affordable prices.

New York is one of the richest and most happening cities of the world. New York is famous for the New York Stock Exchange, the Statue of Liberty, nanotechnology and microchip making, its vineyards, its cut diamonds, and its orchards. New York’s gross state product is well over $ 1 trillion. It is said that if New York was an independent country by itself, it would be the 16th largest economy in the globe. New York is a flourishing city and Times Square is one of the liveliest spots of New York. The personal per capita income of New York is well over $ 46,000. Hence, most people who live in New York are extremely affluent except those who live in the ghettos of the city. The New York hotels, like the other establishments of New York, are plush, posh, dazzling and overwhelming.

Sightseeing Attractions in New York

As New York is a renowned financial and commercial hub of the United States of America and the world, several businessmen and women travel to New York frequently. The New York Stock Exchange (NYSE), the biggest stock exchange of the globe, is an important trading center of New York, the US, and the world. The headquarters of many multinational companies and investment banks are located in New York. The New York hotels provide excellent accommodation to all the corporate managers as well as to the tourists who visit New York. New York happens to be a great tourist hub and is thronged by holidaymakers from all across the world. The Empire State Building, American Museum of Natural History, Museum of Modern Art, Broadway, Lincoln Center for the Performing Arts, Madison Square Garden, World Financial Center, the new World Trade Center, Hudson River, Carnegie Hall, Central Park, Statue of Liberty, Queens Zoo, Rockefeller Center, Wall Street, etc. are some of the many tourist hotspots of New York. The New York hotels generally arrange for tours for their guests so that the latter can have a gala time in New York.

Different Types of New York Hotels and the Different Areas of New York

The hotels of New York are countless in number. New York hotels can broadly be divided into luxury New York hotels, boutique New York hotels, airport hotels and cheap New York hotels. The hotels in New York cater to the needs of diverse travelers. However, most New York hotels charge exorbitant amounts from their guests. Even the cheap New York hotels ask for prices that are forbidding. Manhattan is one of the most expensive places of New York apart from Broadway and Times Square. Chinatown, in Manhattan, is a popular home for Asian immigrants. Manhattan also happens to be a favorite haunt of all the tourists of the city. Brooklyn is one of the cheapest areas of New York, apart from the ghetto areas, which are predominantly populated by the African-American population of New York. Harlem is another area of New York where a large section of the African American population of the city resides. The Asian immigrants of New York reside primarily in the area of Queens.

A reason why the New York hotels are never in dearth of occupants is because of the fact that New York is an extremely well-connected city. New York is served by the underground railway system and four suburban railway tracks. The John F. Kennedy International Airport is the main airport of the city. Several New York hotels have cropped up in the vicinity of the various tourist attractions of New York so that hotel guests can go for sightseeing easily, without boarding buses or hiring long-distance automobiles for traveling.

Conference Facilities in the Luxury and Boutique New York Hotels

Some of the finest and costliest hotels of New York are The Waldorf Astoria, The Four Seasons Hotel, The Carlyle, The Peninsula, New York Palace, The Alex, Trump International, etc. The Carlyle is a grand old New York hotel that encapsulates an old-world charm and aura. It comprises an imposing edifice on Madison Avenue and is rated as one of the best boutique New York hotels. The hotel boasts of 4,033 square feet of meeting and conference space. One of the most fabulous hotels of New York, the Carlyle sports a frontage bedecked in the Art Deco style. The ceiling of the hotel is beautifully carved. The Carlyle vaunts enormous and impressive banquet and conference halls, antechambers and suites. It’s one of the few hotels of New York that’s an ideal venue for boardroom battles, symposiums, seminars, conferences, after-dinner meets, weddings, dances, and parties. The conference halls of The Carlyle are equipped with the latest and hi-tech audiovisual gadgets so that conferences may be conducted seamlessly.

If The Carlyle is imposing, then The Waldorf Astoria is magnificent. The Waldorf Astoria is one of the New York hotels that transports you back to a period when gentlemen in tailcoats escorted ladies in long gowns from horse-drawn barouche-landaus to Victorian-styled drawing rooms, when people still observed British mannerisms and customs in the New World. The hotel is adorned by antique furniture and decorations that hark back to 1893, the year when the hotel was built. The Waldorf Astoria is a great venue for meetings and events. The hotel has 60,000 square feet of conference space. The Waldorf Astoria is one of the few hotels of New York that boasts of a rich experience and consequently a rich expertise, in hosting state dinners and corporate meetings. It’s also one of the few hotels of the city that has invested millions of dollars in enhancing its meeting facilities and technological capabilities. The Waldorf Astoria is one of the rare hotels of New York that offers its corporate guests direct-link satellite broadcasting facilities and ultra-high-velocity Internet connectivity to support hi-tech videoconferencing and web conferencing.

Where meetings and events are concerned, the Waldorf Astoria is regarded as one of the special hotels of New York. This is because the hotel assigns the conference management task to an Event Manager who performs the task of conference management on behalf of the clients or guests. The Event Manager and their team look into every aspect of conference management so that clients face no problem in hosting and conducting conferences. The fourth and the eighteenth stories of the hotel are dedicated for conferences and events. Each of the luxury and boutique New York hotels is an excellent venue for meetings and events. The luxury and boutique hotels of New York charge anything between $219 and $ 3,600 per day, per guest. Many say that the luxury and boutique New York hotels are too opulent and showy. They show new money, unabashedly. Many opine that the hotels of New York, however flashy, cannot compare to the London hotels or the Paris hotels in class and heritage. The New York hotels, according to many, show more power than anything else. This is not surprising because New York is situated in the United States of America, the most powerful nation of the world.

Airport New York Hotels and Their Business Centers

Now let’s turn to examine some other types of New York hotels. New York is served by three airports: the JFK International Airport, LaGuardia Airport and the Newark Liberty International Airport. The hotels which are classified as airport New York hotels are located in close proximity to these airports. The various airport hotels of New York that are situated close to the JFK International Airport are the Ramada Plaza Hotel, Fairfield Inn by Marriott, Days Inn, Best Western, Comfort Inn, Holiday Inn Express, Sheraton, etc. The various airport hotels of New York that are situated close to the LaGuardia Airport are the LaGuardia Airport hotel, Clarion Hotel, Marriott, Crowne Plaza, Comfort Inn, etc. The various airport hotels of New York that are situated close to the Newark Liberty International Airport are the Marriott, Days Hotel, Wyndham Garden Hotel, Renaissance Hotel, etc.

These New York hotels charge much lower rates than the boutique and luxury New York hotels. If you opt to stay in any of the airport hotels, you’ll have to cough up about $ 49 to $ 199 per day. Affordable, isn’t it? But on the downside, most airport hotels in New York can’t afford you conference facilities at the rates they charge you. Most of these hotels, however, possess Business Centers, which are equipped with photocopying and facsimile facilities, wireless Internet connectivity, and computers with Internet connections. Some of the airport New York hotels such as the Fairfield Inn by Marriott, have banqueting facilities. The airport hotels of New York are plainly furnished and sparsely decorated.

Family and Pet-Friendly New York Hotels

Family hotels and pet-friendly hotels are other types of hotels in New York but these hotels are occupied mostly by families on holidays and not by people who’d like to host meetings. Hence, conference facilities are not present in such hotels. However, as there are exceptions to all rules, some of these hotels are equipped with business and meeting facilities.

Cheap New York Hotels

And finally, we come to that section of hotels known as the cheap New York hotels. Most of the cheap hotels of New York are not hotels but hostels, inns and boarding houses. As has been mentioned before, even the cheap hotels of New York can be dear. However, they’re much cheaper compared to the other hotels of New York. They also lack proper amenities. Which is why they’re designated as cheap New York hotels. Most of the rooms in cheap New York hotels don’t possess attached bathrooms and guests have to use the common bathroom of the corridor. The cheap hotels in New York are boarded mostly by youngsters, students and backpackers, who not only don’t mind the discomforts of life but also take them with an adventurous spirit.

The rooms of these hotels aren’t equipped with telephones and these hotels don’t accept payment by credit card. The rooms of many of these New York hotels are equipped with bunk beds and almost resemble dormitories. Bathrooms in these hotels may also be dirty. And don’t even think of hosting a conference in these New York hotels unless you’re willing to call ‘a room full of young students jumping about’, a ‘conference’. But the cheap New York hotels are generally located at spots close to the New York subways, tourist hotspots, and shops. So, you can get a good feel of the city if you reside in these hotels, provided you don’t mind the accompanying hardships.

Choosing New York Hotels

You can choose hotels in New York according to your budget, conference preferences, the conference facilities that the hotels offer, location of the hotels, and other parameters. If you choose wisely, you’ll stand to gain in many ways because New York has plenty to offer. The cityscape of New York that most luxury New York hotels capture is beautiful while the poverty and squalor in the ghettos of New York is shocking and sad. One thing must be said of all the New York hotels, whether they are luxury hotels or boutique hotels or airport hotels or family hotels or cheap hotels – they help you to get a feel of the city and experience the city from different angles and perspectives.

Just imagine this…..you come back home after a hectic day at office and your friends insist you to meet them somewhere for a light partying session…..isn’t that wonderful…..But this can be more amazing if you all decide to meet up in one of the New York City steakhouse. A New York City steakhouse is the ideal place for people who want to enjoy some good steak and want to be light spirited for a while. In fact spending quality time with your family and your friends at a New York City Steakhouse can become one of the most remembered and one of the best moments of your as well as their lives. A New York City steakhouse promises of a pleasing and a soothing environment that helps you to refresh and relax your mind.

A New York City Steakhouse is the best place to have a nice eating, freaking out, talking, listening to some good music, dancing and drinking session with people you love to be with. A New York City Steakhouse is definitely one place to hang around because it boasts of some of the best made steaks in New York. If you are in love with steaks then you have one more reason to visit a New York City steakhouse. You can also indulge in any sort of food that you like. You get a variety of cuisines like Continental, Mexican, Chinese and the list is endless. Each of the New York City Steakhouse has some specialty of their own that makes it a favorite place of many food lovers.

A New York City steakhouse offers a great ambiance and this indeed is one of the biggest attractions apart from good food. The atmosphere of a New York City steakhouse is thoroughly pleasant and it makes you feel delighted as you get to start your evening in the perfect way. Most people tend to visit a New York City steakhouse in the evening after spending a tedious day as they get to relax and refresh themselves in a New York City steakhouse. As already mentioned the food of a New York City steakhouse is also delicious and amazing. You can start off your dinner with some mouth watering starters that complement your drink and then go in for some of the sumptuous steaks prepared the way you like it. If you prefer your steak to be less cooked then you will be served a less cooked one and if you prefer having a fully cooked steak, they will get you a full cooked one.

In fact a New York City steakhouse knows how to pamper their customers. Boasting of great ambiance, great service, amazing steaks and some mouth watering starters and side dishes, a New York City steakhouse is the best place that you can visit and have a nice time. A New York City steakhouse can also help you relax, enjoy yourself and forget all the day’s tiredness and tediousness. So get prepared to indulge all your senses in the aroma and ambiance of New York City steakhouse.

To get a no-fault divorce in New York, you must satisfy the requirements of New York's Domestic Relations Law (DRL). New York was the last state in the United States to implement a no fault basis for divorce. Today, the vast majority of divorce cases in New York are filed on the basis of no fault (also referred to as "irretrievable breakdown").

DRL 170 (7) – New York's No Fault Divorce Statute:

Section 170 (7) of the DRL sets forth New York State's statutory basis for no fault divorce. Specifically, the DRL provides that a New York court may enter a jurisdiction of divorce when the marriage "has broken down irretrievably for a period of at least six months, provided that one party has so stated under oath." In addition, the statute requires that prior to the entry of a dispute jurisdiction, all "economic issues" must be resolved, either by agreement between you and your spouse or a determination by the court. In practical terms, this means that you can not obtain a final judgment of divorce until there has been a resolution of issues relating to tangible property (equitable distribution), spousal support, counsel fees, and (if applicable) issues relating to un-emancipated children of the marriage. A global resolution of financial issues can occur in a variety of different ways, including:

• Entering into a separation agreement prior to the filing of divorce proceedings;
• Signing a Stipulation of Settlement after a divorce case has been concluded; Egypt
• Proceeding to a trial of financial issues.

Residence Requirements:

You may only file for divorce in New York if you meet certain compliance requirements. You satisfy the territorial requirement if you have lived in New York for a period of two years immediately preceding the filing of your divorce case. However, if you have not lived in New York for two years, do not despair: there are other ways to satisfy New York's residency requirements for divorce.

A list of all the possible ways to satisfy New York's statutory residence requirements for divorce can be found at the New York State Unified Court System's website.

Filing Your No Fault Divorce Pleadings:

Assuming that you meet the temporary prerequisite, you begin your divorce case by filing either with summons with notice or summons and verified complaint with the Supreme Court in the county where either you or your spouse stay. The choice of the appropriate county is called "venue". There is one exception to the foregoing rule: regardless of where you reside, you are allowed to file a divorce case in New York County (Manhattan), which is considered an "open" county and is available for all New York residents. However, if you either you nor your spouse resides in Manhattan, you run the risk that your spouse will be able to subsequently request a change in venue (ie that the case be transferred to a county where he or she lives).

Once you draft your initial pleading (ie, the summons and / or summons and complaint), you should make at least three copies of the divorce papers. The original is filed with the Supreme Court clerk in the county where you are citing your proceeding. When you file your summons, you will need to pay a filing fee that is commonly referred to as the "Index Number Fee". Once you file your pleading and pay the fee, the court will assign an index number (also known as a docket number) to your case.

Serving the Divorce Papers:

After you have filed your summons, you need to arrange for service of process of the summons (or, if you have also filed a complaint, the summons and complaint) on your spouse. If your case is uncontested, your spouse may be willing to sign an affidavit of defending in which he or she acknowledges receiving the summons. Otherwise, you need to arrange for personal delivery of the papers by a New York resident over the age of 18 years. The papers may not be delivered (served) on a Sunday.

The person who serves the papers will need to sign and acknowledge an Affidavit of Service, in which he or sets forth their name; the location at which the papers were served; the date and time of service; and a physical description of your spouse. If the person who serves the papers is not personally familiar with your spouse, they should use a photograph to ensure that the correct person is served. The photograph should then be attached to the affidavit of service form.

Criminal Settlement Agreement:

Once service of process has been completed, many couples face the reality that a contested divorce proceeding is overwhelmingly stressful and expensive. For this reason, they try to negotiate an amicable resolution of ancillary financial issues, such as equitable distribution, maintenance, child support, and custody.

If they have not already done so, many matrimonial litigants retain a New York divorce lawyer to help them navigate the complexities of New York matrimonial law. If they do not have the resources to retain a divorce attorney, middle-income litigants sometimes refer to document preparation sites, which provide step-by-step instructions for completing matrimonial agreements and uncontested divorce forms.

If you are able to resolve your differences by signing a maritime settlement agreement, your case will then proceed "on the papers". This means that while you nor your spouse will be required to testify in court. Instead, your divorce judgment will be entered by a New York Supreme Court Justice based on documents that you submit, which include affidavits, a proposed judgment, and related papers.

Because New York divorce law and procedure is unusually complex, most New Yorkers facing divorce are best served by at least having a consultation with an experienced matrimonial attorney. At a minimum, an experienced NY divorce lawyer will help you identify which assets are maritime – and then subject to distribution in divorce. A divorce attorney will also be able to provide guidance on how to deal with issues such as dividing retirement accounts. Qualified retirement accounts (such as pensions, 401k's and profit sharing plans) can only be divided with specialized forms known as qualified domestic relations orders (QDRO's). Finally, a domestic relations attorney will also be able to help you understand whether you or your spouse may have a valid claim for maintenance (also known as alimony).

There are many different avenues for obtaining information about the procedures, requirements, and legal guidelines applicable to NY divorces. Whether you rely on a NY matrimonial lawyer, divorce form service, or the court's website – or all three – it is important for you to gather as much information as possible about divorce.

Immerse yourself in the luxurious New York Hotels by going through this guide. Your money should not be wasted on substandard hotels. We realize how valuable those savings are. This guide will help you get an idea of ​​what the city that never sleeps has to offer. You may be a business traveler or a family one; it does not matter because these hotels offer a discerning list of amenities that are best-suited to your needs. The first step to take is to determine what sort of hotel you plan on spending your vacation in.

Some travelers prefer the Spartan way of living for their trip: That means a bed and a bathroom will do. However we advise you to enjoy your holidays by choosing one of the New York Hotels that offer various amenities for you and your partner. Such amenities are provided in 3 to 5 star hotels. This list will give you a cursory glance over the best quality New York Hotels.

If you want more than just a hotel then Millennium Un Plaza is one of the New York Hotels that offers a one-of-a-kind experience. With spectacular views of the skyline and East River, this exquisite European-styled structure with guest rooms that start from the 28th floor to the 40 gives an experience you will never forget. Adorned with contemporary décor that includes marble stoned bathrooms, color-accented glass and fresh flowers, it is the best option for any traveler in New York City. It offers amenities including a fitness center, heated indoor pool, and indoor tennis court and state-of-the-art steamy sauna for its guests. Child-care services are also offered.

Ideally located in the heart of Midtown down Broadway, the Novotel Times Square is situated in the Theater District of New York City. It is one of the New York Hotels that lies only a few feet away from Radio City Music Hall, Central Park and Rockefeller Center and other Manhattan attractions. This hotel offers on-site childcare and maid services. It also has an indoor playground. Pets are allowed as well. A very interesting amenity offered by the Novotel Time Square is its multilingual staff that caters to a diverse international clientele with the following languages ​​spoken: Mandarin Chinese, Arabic, Dutch, German, French, Japanese and other languages.

If you want a hotel that shuts out the hustle and bustle of New York City then Excelsior Hotel is one of the New York hotels that succeeds in providing its guests with supreme solace and peace. It has spacious guestrooms outfitted in gorgeous French décor. One to two bedroom and queen rooms are offered to accommodate your special needs. It is located in the chic West Side neighborhood. Its amenities include a health club, broadband Internet access, full concierge services, breakfast facilities and a multi-media entertainment room. And if you are in the mood to explore the annals of history and human evolution, you can step out and take a stroll down the American Museum of Natural History that is only a few feet away.

The Amsterdam Court Hotel is located in Midtown's beautiful historic Theater District. It offers comfort and tranquility at an affordable rate. With its newly redesigned Zen lobby in warm and soothing colors, it rates highly and famously on the New York Hotels list. The hotel offers a complimentary continental breakfast and a bar / lounge. Two blocks away from the Rockefeller Center, this is one of the New York Hotels that offers entertainment several yards away.

Designed with sleek urban ambiance and ultra-modern décor, Paramount Hotel brings the life and drama of the Theater District right before your eyes. The chic and aesthetically pleasing trendy guestrooms feature distinctive touches such as gilt-framed artwork and conical steel bathroom sinks. Its Mezzanine Restaurant offers a delectable menu. You can even sip cocktails and socialize at the Paramount Bar and Lounge. Its amenities include a fitness center, on-site restaurant and childcare services.

It is sincerely advised that you consult with the local tourism guide in order to gain more information on best quality New York Hotels. We wish you an exciting trip to the Big Apple!

New York Life Insurance Company is large and successful. If you think life insurance professionals are easy, think again. If you think personal financial representatives are entry level careers, you are doomed. Want the true facts about life insurance careers and personal financial representatives? Read this article.

I remember that years ago 15% of the women entering life insurance careers were women. Today with some career life insurance companies like New York Life Insurance Company that figure is now approaching close to 50%. Moreover, in a business already flooded with far too many male and female life insurance agents, their recruiting figures are up. This is a marketing scheme. Change the name to possible applicants from life insurance agents to financial representatives and suddenly an image of prestige and easy money appears. However, ask yourself why the insurer's name is New York Life Insurance Company and not New York Financial Company. It is just a name game.

FACTUAL INFORMATION Recruiters of insurance agents or so called personal financial representatives have severely been able to increase their retention rate during the first year and a half of the new recruit's career. 10 years ago, 86% of newcomers left life insurance selling during their first 18 months, now that figure is 85% leaving, 15% remaining. After four full years of gaining experience, only 7% remain, and gender is not a factor.

Why does a highly responsive company like New York Life Insurance Company hire over 3,500 reps in 2008? Their figures show appointing around 3,200 in 2007, and expecting 2009 to produce 3,500 new financial representations to train. To me that adds up to 10,200 inexperienced reps in 3 years. Does anyone logically look at the numbers? This financially solid company founded in 1845 has a total agency force numbering slightly over 11,500. 90% of these are certainly not new financial representatives. The common interpretation of new hires retaining a lasting career is False . My analytical studies of New York Life Insurance Agents indicate slightly elevated retention than others. A similar insurance provider loses at least 70% of their first year agents.

New York Life Insurance Company still has poor retention rates. However, during the past 10 years they have implemented a strategy that few of their competitors have not been as successful at imitating. That strategic method means recruiting agents, "financial representives" with a keen emphasis on a wide diversity of cultural backgrounds. This is a rapidly expanding area underserved by agents possessing the same nationality and ability to speak the language. This strategy involves personal representation into Chinese, Korean, Vietnamese, India, Asian along with Hispanic and African-American and other cultural residents.

Even though New York Life Insurance Company enrolls excessive numbers of agents, to result with the skilled few, this is the same numbers game practiced by competitors. Actually, it is a profitable tradition for the insurance provider, as departing agents sacrifice 100% of premiums collected to the company. To the credit of New York Life Insurance Company is this distinction. For many years, they hold the preliminary recognition of having the most MDRT, million dollar roundtable members. This does not mean making anywhere near a million dollars. However MDRT selling principals and promotions are adjusted annually and consistently enforced to make sure qualifying is left to many of the best of the best.

A new agent is not a financial representative. This is where calling a new agent a financial representative or financial advisor, hurts all the truly experienced and knowledgeable professional personal financial representatives and planners. New York Life Insurance Company mentions on their website regarding new enrollments the opportunity to provide vital insurance protection and financial advice . Be honest here. An agent trainee is barely able to properly perform prospecting and life insurance sales effectively. This explains why industry turnover is so great. Selling life insurance to cover death expenses or pay off a mortgage is a far cry from providing the accurate financial advice of a professional. Likewise obtaining a variable contract license to sell investment products does not mean an agent has the ability to do so properly.

A true financial representative must be very qualified to give advice. This often means meeting semi-wealthy to wealthy prospects and advising them how to lay out their entitlement financial situation. The planning could involve rearranging hundreds of thousands of dollars of assets. Given the economics of the near past, even some of the best financial planners have been given the cold shoulder by clients seeing their wealth accumulation slashed in half. New York Life Insurance Company certainly has some of the best experienced financial representatives in the business. However, most of these pros average 10 years of continued education and specialization while attending various designs as proof of their abilities.

An agent trainee is in the wonder years. Just selling enough insurance to survive the critical beginning years is a challenge few can master. Taking agents living in a $ 45,000 income area environment and getting them in front of million dollar clients is really throwing them in the furnace to be burned. All salespeople have a comfort level of selling starting with prospects close to their own level. After sales skills and product knowledge, this level gradually increases. Few new agents comfortable with clients making $ 50,000 a year can quickly adapt to working in the $ 200,000 + yearly income bracket clientele. Ordinary middle class Americans do not need a financial representative, the service of a hard working life insurance agent will do fine.

Can a new financial representative make it? Although New York Life Company provides quality training, it can not guarantee success. My previous insurance career and 25 years as an insurance advisor analyzing mountains of agent data says NO . However if a rep already has most of the following qualities or characteristics I could have explained to say a 50/50 chance at best. You must enter the business in good financial condition, no loaded up credit cards, and hopefully a decent nest egg. If you have the ability to speak fluently a second language and are going to concentrate on your ethnic group that is a plus.

You must realize the average insurance agent earns around $ 25,000 annually in the early stages, so you have to view this career as a step building process. Very few insurance agents or financial representatives, percentage wise, earn $ 100,000, especially during their initial four years. While product knowledge and most selling skills are learned over time, other career makers must already exist. An extraordinary dose of never-ending determination to break the odds, backed up with phenomenal self-confidence, plus a lack of fear and rejection are required prerequisites. Add to this the ability to take everything you are initially taught as a grain of salt and then revise it to perfection.

Never are you in the business as a company representative, you are in business for yourself. Financial rewards only come to those that separate themselves quickly from the failing masses . IF you still really feel you have what it takes after reading this article , a New York Life Insurance Company Career could become a reality.

There are many airlines and travel agencies offering cheap flights to New York. Well known for its mix of culture and prosperity, New York has a steady number of visitors during the peak seasons and off-peak seasons mainly due to its trading businesses at Wall Street. Business meetings are a well known reason for people to set foot to New York. Catering to this need, many airlines offers special discounted rates to corporations for their travelling executives. Cheap flights to New York are easily found for domestic flights and also for international flights.

Finding cheap flights to New York is a big deal for holiday makers because New York is an expensive city to experience. It’s famous for the Broadway, shopping and also designer and couture items. Spending a big fortune on fashionable items and designer’s items is common there. Dining is New York will be an unforgettable experience. The top quality food and services leaves nothing but satisfaction. The cultural mix in New York provided food and entertainment for people from every nation.

Companies sending their executives frequently to New York for meetings and conferences will always book from the same agent who can offer them cheap flights to New York. Holiday makers and foreigners working in New York also need cheap flights to enable them to travel and return without having to spend a large sum. As with getting cheap flights to any other country, all airlines have early booking discounts and special offers periodically. People planning to travel to New York should always be on the look out for advertisement promoting cheap flights to New York. However, customers must note that cheap flights are not always the best. This is because earlier planning might be reschedules and changed. These cheap tickets can not be refunded or changed unless the customers choose to make extra payment.

Another method to get cheap flight tickets to New York would be to purchase tickets for traveling during the low-peak seasons. January till March is the low-season because of winter. The only positive thing is getting to celebrate a white Valentines Day with your loved ones. Even hotels, shows and food are significantly cheaper during off-peak season.

Companies sending their executives frequently to New York for meetings and conferences will always book from the same agent who can offer them cheap flights to New York. Holiday makers and foreigners working in New York also need cheap flights to enable them to travel and return without having to spend a large sum. As with getting cheap flights to any other country, all airlines have early booking discounts and special offers periodically. People planning to travel to New York should always be on the look out for advertisement promoting cheap flights to New York. However, customers must note that cheap flights are not always the best. This is because earlier planning might be reschedules and changed. These cheap tickets can not be refunded or changed unless the customers choose to make extra payment.

Another method to get cheap flight tickets to New York would be to purchase tickets for traveling during the low-peak seasons. January till March is the low-season because of winter. The only positive thing is getting to celebrate a white Valentines Day with your loved ones. Even hotels, shows and food are significantly cheaper during off-peak season.

Central Park is as much a landmark of Manhattan and New York as the Statue of Liberty and the Empire State building. To walk into the paradise of Central Park after being in the glass and steel jungle is to take a breath of fresh air. On February 12, 2005, this walk was made even more splendid and awe inspiring with 7500 “gates” standing 16 feet high with bright orange cloth flowing in the wind 7 feet above you. As the fabric flapped and rustled, it hid the city from you, and caused the noise of the taxis and ambulances to cease for a small time. For in that moment you were part of something bigger than the city, the park, or yourself; for a moment you were part of the art of Christo and Jeanne-Claude.

Christo and Jeanne-Claude are known for their multiple large works with fabric and the natural world. The couple are both classically educated and trained artists who came together as partners in art as well as in life in 1960. Since their first collaboration in 1961, they’ve continued to extend their fabric lined ideas throughout the world. Some of their most famous works were “The running Fence” that strewn over 24 miles of the California countryside and the “surrounded islands” when in Biscayne Bay, Miami was wrapped in a blue piece of fabric. Their art is done on a very large scale and internationally visible so that the most amounts of people see it. Like many beautiful things in life such as the flowers of spring or the leaves of autumn, you must see them when they are there or they will be gone forever. Christo and Jeanne-Claude are currently working on a project to wrap or create a ceiling on the Arizona River in Colorado. This project is expected to be finished at the end of 2008. The couple has raised their son and lived in New York City since 1964.

Because they are inhabitants of this wonderfully eclectic American city, they wanted a way to show their love and appreciation for it. They had asked to do some sort of project for and with the city for many years, but all of their ideas were rejected. When they proposed “The Gates” in 2004, they were granted permission happily. This project gave many New York City residents work putting up and taking down the masterpiece, and the opportunity to be part of this couples artful thank-you. On February 27, 2005 the residents of New York were left with the natural green landscape of the park, and the memories of walking under the autumnal flapping gates.

The United Nations Convention on the Rights of the Child put forth that one primary purpose of schools is to develop respect for human rights and the fundamental freedoms that all children should enjoy. They noted that to truly understand and promote human rights, one has to live them out in relation to others.

New York City has taken this direct seriously and to heart by creating its School for Human Rights, a combined middle and high school academy that is built around this concept. It is one of nearly 150 small public schools opened through special initiatives in the last three years by New York City. Having opened its doors in September 2004 in the 2005-2006 year, the School of Human Rights had over 180 students.

Located in Brooklyn, the School is rare, even for the NYC schools. Its core values ​​are dignity, respect and responsibility, which is the driving force behind its curriculum. How the students learn and the teachers teach, how they treat one another, and the types of adults the New York City schools hope the students become. Human rights are demonstrated to students by how the school meets the educational needs of each and every student; in its practices, such as discipline with dignity; examples given in class, questions raised by teachers, the active discussions, critical thinking and reflection that are part of the project-based coursework; and even in the enriching field trips.

This school is the only one in New York City that integrates an academic and social skills-based curriculum. It even immerses its theme into its extracurricular activities, such as film festivals and workshops with human rights defenders.

The school challenges the New York City students to become compassionate and socially engaged young adults, who are committed to equality, dignity and social consciousness. Amnesty International USA, Human Rights Education Association, and New Visions for Public Schools, who have partnered with the schools in New York City and made this curriculum possible, hope to see many of these New York City students carry over what they learn into their adult lives, as well as to enter social justice practitioners.

The NYC schools based on the curriculum on UNICEF's framework to:

o Recognize the rights of every child;

o See the whole child in a broad context, in the home environment as well as at school;

o Be child centered, ensuring the psychological and social well being of each child;

o Be gender sensitive and girl friendly by eliminating stereotypes and constitutions to education, while promoting achievement;

o Promote quality learning outputs;

o Base education on each child's unique identity, previous school experience, community, and family;

o Promote NYC schools' student rights and responsibilities within the school environment, including ensuring inclusion, respect and equality of opportunity for each child;

o Enhance New York City schools' teacher capacity, morale, commitment and status, and

o Be family focused.

To ensure the School teachers have the resources and professional development they need, the Human Rights Education Association provides this support to the New York City schools. Teachers have found that the most difficult task is presenting the curriculum in a meaningful and empowering manner, making human rights more than an abstract concept.

The School of Human Rights is unique and will empower its students beyond what is found in other public schools.