Export Financing Through Factoring

As an Associate Investment Banker of MA, Alvadas can offer Export Financing through Factoring to buyers/sellers across Europe, US, South America, Canada, Australia and Middle East, Asia (apart from all restricted countries).

Factoring is a financial transaction and a type of debtor finance in which a business sells its accounts receivable (i.e., invoices) to a third party (called a factor) at a discount. A business will sometimes factor its receivable assets to meet its present and immediate cash needs.

Terms, Conditions And Procedure To Get Export Financing Through Factoring:

  • We offer on buyers portfolio hence minimum 2 buyers required for funding
  • Our model is completely dependent on buyers, hence we need a few information of the buyer as per Limit
  • Application Form to check the eligibility
  • Upon receipt of the Limit Application Form a Term Sheet will be issued once got credit limit
  • After acceptance of the Term Sheet we will complete the KYC (Know Your Client) process of supplier and NOA (Notice of Assessment) to the buyer
  • A formal Buyer Introduction will be required so that we can explain our role & documentation
  • Our pricing structure in terms of financing is very clear, simple and competitive
  • Our process is really quick where an exporter can be on boarded for funding within one week
  • We provide 90% (minus our charges) of the finance against shipment, which is the highest in export factoring industry
  • We accept longer payment terms up to 150 days
  • We have streamlined process of collections, dunning, bookkeeping and monitoring of the credit worthiness of the customer by our team
  • 2% is our Brokerage fee at end

Inquiries

Please contact Albert A. van Daalen for more information about the services described above.

Drie zeven van Socrates om informatie te filteren

Socrates zat in Athene op een bankje van de zon te genieten. Plotseling stapte er een man op hem af. “Socrates, ik moet je iets vertellen over je vriend die…”

Voordat de man zijn zin kon afmaken, onderbrak Socrates hem en vroeg: “Het verhaal dat je mij wilt vertellen, heb je dat gezeefd door de drie zeven?”

“De drie zeven? Welke drie zeven?”, vraagt de man verbaasd.

“De zeef van de waarheid is de eerste zeef. Heb je onderzocht of datgene wat je me wilt vertellen waar is?”

“Nee, ik hoorde het verhaal ergens…”, zei de man.

“Oke. Is het verhaal dan wel door de tweede zeef gegaan, de zeef van het positieve? Is het iets positiefs wat je over mijn vriend wilt vertellen?”, vroeg Socrates nu.

Aarzelend antwoordt de man: “Euh nee, dat niet. Integendeel zelfs…”

Socrates fronste zijn wenkbrauwen en zei: “Laten we dan de derde zeef gebruiken, de zeef van de noodzakelijkheid. Is hetgeen wat je mij wilt vertellen zo noodzakelijk dat ik het beslist moet horen?”

“Nee, niet echt”, antwoordde de man.

Socrates glimlachte naar de man en zei: “Als het verhaal dat je wilt vertellen niet waar is, niet positief is en ook niet noodzakelijk is voor mij, belast mij er dan ook niet mee.”

Over Socrates

Socrates is de eerste echte filosoof van de Griekse Oudheid. Voor hem onderzochten natuurfilosofen de aard van de werkelijkheid, maar zij richten zich in hun onderzoek op de fysieke wereld. In tegenstelling tot de natuurfilosofen gaat het Socrates om kennis over het denken, vooral op het gebied van de ethiek. Deze kennis zocht hij in de redelijke dialoog. Daarbij zocht hij samen met zijn gesprekspartner naar kennis, door ideeën van alle kanten te testen door middel van vraag en antwoord. De doortastende en soms opdringerige manier waarop hij dit deed viel echter niet bij elke Athener even goed, Socrates stond ook wel bekend als ‘de horzel’.                      

Deze methode wordt nu de Socratische methode genoemd. Deze methode bestaat uit twee onderdelen. Als eerste liet Socrates zijn gesprekspartner definieren wat bijvoorbeeld ‘moed’ is. Zodra zijn gesprekspartner een definitie had gegeven bekritiseerde Socrates deze definitie door bijvoorbeeld te laten zien dat tegengesteld gedrag ook als ‘moed’ kan worden bestempeld. Uiteindelijk komt zijn gesprekspartner dan in een patstelling. Er rest dan niets anders dan toe te geven dat hij slechts denkt iets te weten, maar dat hij deze opvattingen eigenlijk niet kan onderbouwen. Het idee van deze dialogen is niet om te laten zien dat iemand geen kennis had, maar had vooral een protrepische functie. Ze moest leiden tot een filosofische levenshouding waarbij men zich niet langer tevreden stelt met snelle uitspraken, maar waarbij zaken worden doordacht en op de proef worden gesteld. Deze Socratische methode is ook nu nog populair, de vorm van het socratisch gesprek wordt regelmatig gebruikt bij filosofische lezingen en er zijn zelfs officieële opleidingen tot Socratisch gespreksleider.  

Omdat er geen overlevering is van door Socrates geschreven stukken, is hetgene wat wij over Socrates weten gebaseerd op werken van anderen, met name zijn leerlingen Plato en Xenophon. Vooral Plato gebruikte de stem van zijn leraar voor ideeën waarvan het onduidelijk is aan welke van de twee ze toegeschreven moet worden. Dit is het zogenaamde Socratische probleem. 

Enkele bekende werken waarin Aristoteles terugkomt zijn de De Apologie en de Phaedo, deze gaan over de dood van Socrates en zijn iconisch geworden voor de westerse wijsbegeerte. De Atheense rechtbank veroordeelde Socrates wegens ‘het bederven van de jeugd’, maar dat hij een ‘horzel’ werd gevonden kan wel eens een grote rol hebben gespeeld. Socrates weigerde in ballingschap te gaan en accepteerde de gifbeker. Zijn laatste woorden “Crito, we zijn een haan verschuldigd aan Asklepios; betaal hem, vergeet het niet” zijn beroemd geworden, mede dankzij de vele verschillende interpretaties van deze woorden. 

Zo bevraagt Foucault in zijn colleges over Socrates de geaccepteerde interpretatie van diens laatste woorden. In tegenstelling tot de gangbare gedachte dat Socrates zijn dood als een bevrijding van het leven zag, zegt Foucault dat deze een dankbetuiging zijn aan de filosofie, en dat de verlossing waar hij naar uitziet geen verlossing van het leven is, maar een verlossing van de doxa. in deze laatste ultieme geste, offert hij zichzelf op ten behoeve van de waarheid.

Omdat Socrates met zijn vragen kwaad bloed zette, werd hij, officieel ‘wegens het verpesten van de jeugd en het ontkennen van het bestaan van de goden’ tot het drinken van de gifbeker veroordeeld. De mogelijkheid Athene te ontvluchten greep hij niet aan. Hij onderging zijn veroordeling in alle kalmte. Voordat hij het dodelijke drankje aan de mond zette, offerde hij de eerste slok aan de goden, zoals gebruikelijk was als men ging drinken.

Trade Finance Services

As an Associate Investment Banker of MA, I offer accommodation instruments for your trade transaction that banks will not provide without security. MA issues LC, SBLC, BG, PG, and Advance Payment Guarantees, and other financial instruments to ensure deals of providing traders.

Categories of Trade Finance

Trade Finance with Prime and Nonprime Banks typically fall into one of the following
categories:

Who are the clients of MA?

• Traders / Importers looking for credit line without collaterals. (The global trade value of exported throughout the world amounted to approximately $19 trillion.)
• Traders / Importers who couldn’t get the LC lines or exhausted LC lines with Banks.
• Contractors who could not give the Performance Guarantee or Advanced payment Guarantees. (The global construction industry is expected to reach an estimated $10.5 trillion.)
• Clients who are looking for additional security (collateral) for funding with their current bankers.

Why trough MA?

MA provides a comprehensive approach to structuring complex trade transactions for a variety of stakeholders, including importers, exporters, and trading companies, contractors, suppliers etc. MA understands that providing trade finance in today’s volatile global markets demands creativity and flexibility. As a result, MA utilizes a variety of trade and export finance instruments to mitigate unnecessary credit risks while increasing clients’ access to working capital.

Some additional info about MA

• Founded in 2001
• Unblemished reputation
• Online trusted by D&B since 2011
• More than 100 instruments supplied in 60 countries

Please contact Albert A. van Daalen for more information about the services described above.

A Joint Message For The Protection Of Creation

For the first time, the leaders of the Roman Catholic Church, the Eastern Orthodox Church and the Anglican Communion have jointly warned of the urgency of environmental sustainability, its impact on poverty, and the importance of global cooperation.

For more than a year, we have all experienced the devastating effects of a global pandemic—all of us, whether poor or wealthy, weak or strong. Some were more protected or vulnerable than others, but the rapidly-spreading infection meant that we have depended on each other in our efforts to stay safe. We realised that, in facing this worldwide calamity, no one is safe until everyone is safe, that our actions really do affect one another, and that what we do today affects what happens tomorrow.

These are not new lessons, but we have had to face them anew. May we not waste this moment. We must decide what kind of world we want to leave to future generations. God mandates: ‘Choose life, so that you and your children might live’ (Dt 30:19). We must choose to live differently; we must choose life.

September is celebrated by many Christians as the Season of Creation, an opportunity to pray and care for God’s creation. As world leaders prepare to meet in November at Glasgow to deliberate on the future of our planet, we pray for them and consider what the choices we must all make. Accordingly, as leaders of our Churches, we call on everyone, whatever their belief or worldview, to endeavour to listen to the cry of the earth and of people who are poor, examining their behaviour and pledging meaningful sacrifices for the sake of the earth which God has given us.

The Importance of Sustainability

In our common Christian tradition, the Scriptures and the Saints provide illuminating perspectives for comprehending both the realities of the present and the promise of something larger than what we see in the moment. The concept of stewardship—of individual and collective responsibility for our God-given endowment—presents a vital starting-point for social, economic and environmental sustainability. In the New Testament, we read of the rich and foolish man who stores great wealth of grain while forgetting about his finite end (Lk 12.13–21). We learn of the prodigal son who takes his inheritance early, only to squander it and end up hungry (Lk 15.11–32). We are cautioned against adopting short term and seemingly inexpensive options of building on sand, instead of building on rock for our common home to withstand storms (Mt 7.24–27). These stories invite us to adopt a broader outlook and recognise our place in the extended story of humanity.

But we have taken the opposite direction. We have maximised our own interest at the expense of future generations. By concentrating on our wealth, we find that long-term assets, including the bounty of nature, are depleted for short-term advantage. Technology has unfolded new possibilities for progress but also for accumulating unrestrained wealth, and many of us behave in ways which demonstrate little concern for other people or the limits of the planet. Nature is resilient, yet delicate. We are already witnessing the consequences of our refusal to protect and preserve it (Gn 2.15). Now, in this moment, we have an opportunity to repent, to turn around in resolve, to head in the opposite direction. We must pursue generosity and fairness in the ways that we live, work and use money, instead of selfish gain.

The Impact on People Living with Poverty

The current climate crisis speaks volumes about who we are and how we view and treat God’s creation. We stand before a harsh justice: biodiversity loss, environmental degradation and climate change are the inevitable consequences of our actions, since we have greedily consumed more of the earth’s resources than the planet can endure. But we also face a profound injustice: the people bearing the most catastrophic consequences of these abuses are the poorest on the planet and have been the least responsible for causing them. We serve a God of justice, who delights in creation and creates every person in God’s image, but also hears the cry of people who are poor. Accordingly, there is an innate call within us to respond with anguish when we see such devastating injustice.

Today, we are paying the price. The extreme weather and natural disasters of recent months reveal afresh to us with great force and at great human cost that climate change is not only a future challenge, but an immediate and urgent matter of survival. Widespread floods, fires and droughts threaten entire continents. Sea levels rise, forcing whole communities to relocate; cyclones devastate entire regions, ruining lives and livelihoods. Water has become scarce and food supplies insecure, causing conflict and displacement for millions of people. We have already seen this in places where people rely on small scale agricultural holdings. Today we see it in more industrialised countries where even sophisticated infrastructure cannot completely prevent extraordinary destruction.

Tomorrow could be worse. Today’s children and teenagers will face catastrophic consequences unless we take responsibility now, as ‘fellow workers with God’ (Gn 2.4–7), to sustain our world. We frequently hear from young people who understand that their futures are under threat. For their sake, we must choose to eat, travel, spend, invest and live differently, thinking not only of immediate interest and gains but also of future benefits. We repent of our generation’s sins. We stand alongside our younger sisters and brothers throughout the world in committed prayer and dedicated action for a future which corresponds ever more to the promises of God.

The Imperative of Cooperation

Over the course of the pandemic, we have learned how vulnerable we are. Our social systems frayed, and we found that we cannot control everything. We must acknowledge that the ways we use money and organize our societies have not benefited everyone. We find ourselves weak and anxious, submersed in a series of crises; health, environmental, food, economic and social, which are all deeply interconnected.

These crises present us with a choice. We are in a unique position either to address them with shortsightedness and profiteering or seize this as an opportunity for conversion and transformation. If we think of humanity as a family and work together towards a future based on the common good, we could find ourselves living in a very different world. Together we can share a vision for life where everyone flourishes. Together we can choose to act with love, justice and mercy. Together we can walk towards a fairer and fulfilling society with those who are most vulnerable at the centre.

But this involves making changes. Each of us, individually, must take responsibility for the ways we use our resources. This path requires an ever-closer collaboration among all churches in their commitment to care for creation. Together, as communities, churches, cities and nations, we must change route and discover new ways of working together to break down the traditional barriers between peoples, to stop competing for resources and start collaborating.

To those with more far-reaching responsibilities—heading administrations, running companies, employing people or investing funds—we say: choose people-centred profits; make short-term sacrifices to safeguard all our futures; become leaders in the transition to just and sustainable economies. ‘To whom much is given, much is required.’ (Lk 12:48)

This is the first time that the three of us feel compelled to address together the urgency of environmental sustainability, its impact on persistent poverty, and the importance of global cooperation. Together, on behalf of our communities, we appeal to the heart and mind of every Christian, every believer and every person of good will. We pray for our leaders who will gather in Glasgow to decide the future of our planet and its people. Again, we recall Scripture: ‘choose life, so that you and your children may live’ (Dt 30:19). Choosing life means making sacrifices and exercising self-restraint.

All of us—whoever and wherever we are—can play a part in changing our collective response to the unprecedented threat of climate change and environmental degradation.

Caring for God’s creation is a spiritual commission requiring a response of commitment. This is a critical moment. Our children’s future and the future of our common home depend on it.

How To Define Your Core Values And Beliefs?

Living a purposeful and fulfilling life only happens when we live according to our core values and following our personal beliefs. But then, how can you align your actions to your core values and beliefs? It all begins with knowing how to define your personal values and core beliefs to live true to yourself.

A lot of times, we struggle in decision-making and finding direction in our day-to-day life situations. This murky dilemma clears out when we have our list of values and beliefs clearly defined.  They are like the needle in a compass, pointing in the direction of a meaningful and fulfilling life, full of passion and purpose.

Rather than being extrinsically influenced by media, pop culture, and trending habits/activities, you can choose to live true to yourself.

How To Define Your Core Values And Beliefs (With 120+ Examples)

While this world is ever changing oh so rapidly, (and we have to adapt to the changes) your values should never change. They are the one thing that keeps you grounded while everything else is like shifting, sinking sand.

In this article, we will be discovering how to define personal values and beliefs and some examples of these values and beliefs to get you well on the way to finding yours.

What Are Personal Values?

Personal values are the things we hold important to us, the behaviors and attributes that guide our decisions and motivate us to action. Personal values serve as personal guiding principles to our actions and decisions.

Personal values differ from person to person and can be shaped by such factors as culture, life experiences, and other experiences, including those while growing up.

Let’s take an example: you may value honesty. You believe you should be honest in any and every situation, and you believe it is critical always to express who you are and what you think without fear or compromise, and when you do compromise and fail to speak your mind, you may feel disappointed in yourself.

Perhaps your value is kindness. You’re keen to help others at every opportunity you get, and you consider generosity as a way of life as you give your time and resources to worthy causes, family, and friends.

Now, these are just two examples of personal values, and there can be limitless possibilities.

By the way if you’re a business owner, you want your business values to flow from your personal values. When we are working with clients we begin with personal, because your business should be the vehicle by which to achieve your personal goals in life.

Now, you may be wondering, do I really need a personal value statement? Well, let’s talk about that for a bit.

Why It Matters To Have A Value Statement

When you live according to your values, you’re more likely to feel better and fulfilled. It also means you’ll likely feel bad about yourself when you fail to live according to your values. Thus, personal values help us live a life of fulfillment and purpose, being able to enjoy our lives when we live according to our values. It applies to both the micro day-to-day decisions as well as the significant life-altering steps we take.

For example, if you value adventure, then you’ll always feel unsatisfied, compressed, and caged up when others pressure you into taking paths that lead away from adventure into the “safe” route. It can apply to being pressured away from a life of travels to a desk job or settled home life, etc.; with such a value statement, paths that involve risks, new ventures, and challenges will accrue fulfillment and satisfaction.

But if your value statement takes the polar opposite of security, as opposed to adventure, then the reverse is true. Taking on the life of travel and risk in starting your own business and being your own boss may leave you feeling insecure, disappointed, and craving a more settled existence.

Each individual is different, and what excites one may leave another feeling wanting and anxious. It is, thus, essential to define your values and live by them to have a meaningful existence, one full of happiness, fulfillment, and peace, even when those values don’t seem to ride well with others.

Types Of Personal Values

There are universally ten distinct types of values, motivationally distinct and applicable in cross-cultural spheres, as presented by Schwartz (1992):

  • Achievement, e.g., determined, successful
  • Benevolence, e.g., forgiving, loyal, responsible, supportive
  • Conformity, e.g., politeness, restraint, respect
  • Hedonism, e.g., indulgent, pleasure
  • Power, e.g., wealth, authority
  • Security, e.g., social order, cleanliness
  • Self-direction, e.g., freedom, originality
  • Stimulation, e.g., exciting life, daring
  • Tradition, e.g., devout, respect for traditions, modest
  • Universalism, e.g., equality, wisdom, the world of peace, social justice, protecting the environment

The list of personal values can be numerically indefinite but would each fit into one of these ten categories. There is no universal list of values from which to reference, as each individual will develop his/her list of values, assigning a unique degree of priority to each.

What Are Core Beliefs?

Core beliefs are generalized and fundamental beliefs held about self, the world, and the future, on an individual level. Core beliefs are absolute and instrumental in understanding the world around us. Core beliefs guide an individual in making decisions and responding to events as they happen. Beliefs are usually constituted from childhood or at any other formative experience in life.

Sources Of Beliefs

  • Association: beliefs can be synthesized as we interact and associate with other people.
  • Authority: Beliefs could be developed from an authority figure in the life of an individual, usually a parent, religious leader, school teacher, etc.
  • Evidence: Beliefs could be logically and rationally synthesized from evidence or proven axioms.
  • Revelation: Beliefs could also be based upon revelation – divine or a hunch.
  • Tradition: Beliefs could be developed from traditions, family, and society.

Categories Of Beliefs

As seen from the definition of beliefs, they can be categorized based on self, others, the world, and the future. They can either be positive or negative.

Self

“I am strong and able to do it.”

“I am weak and incapable of succeeding.”

Others

“People like me for who I am.”

“People are disloyal and not to be trusted.”

The World

“The world is full of opportunities and adventure!”

“The world is a dangerous place.”

The Future

“The future is bright, and success awaits me.”

“There is no hope – things will keep getting worse.”

Types Of Beliefs – Enabling vs. Limiting Beliefs

Enabling (Positive) Beliefs

Enabling beliefs generally portray optimism and good self-efficacy – the self-belief that you can achieve something.  Enabling beliefs portray positivity.

Some examples of enabling (positive) beliefs include:

  • I am able
  • I am intelligent
  • I always try my best
  • I am hardworking

Limiting (Negative) Beliefs

Negative beliefs are limiting beliefs that can hold an individual back from attaining personal potentials. People with limiting beliefs usually regard these beliefs as absolute, even though they are largely inaccurate and unhelpful to the individual. Individuals with such negative beliefs can be judgmental of themselves and others.

Some examples of limiting (negative) beliefs include:

  • I am not smart
  • I am weak
  • I am a disappointment
  • I am unlovable
  • I always fail
  • I am worthless

It is important to note that beliefs, whether enabling or limiting, aren’t always accurate and can sometimes mislead into making poor decisions due to their inaccuracy. At the same time, people with inaccurate enabling beliefs can sometimes make decisions based on inaccurate beliefs that score them a better life. People with inaccurate limiting beliefs can sometimes easily suffer from depression and anxiety.

Defining Your Personal Core Values

The key to a lasting house is the strength of its foundation. No matter how beautiful a house is, it will sink to the ground without a study found. The same holds for your values. As a foundation is to a lasting house, core values are instrumental in our decisions, actions, and behaviors.

Without a base, you lose a sense of purpose, fulfillment, and direction. You may appear to be a success but still feel empty and lost. Until you clearly define what success means to you, you may end up chasing empty accomplishments and never be truly fulfilled.

What you don’t define, you may violate inadvertently and end up feeling guilty, ashamed, and not knowing why.

When people have a clearly defined list of personal values, the following holds true for them:

  • It’s a lot easier for them to make the big decisions and steps that have macro-consequences on their lives regarding passions, careers, and relationships.
  • They are less likely to indulge in destructive thought patterns, especially when the going gets rough.
  • They have a greater tolerance for physical pain.
  • They are more self-disciplined and focused.
  • They quickly establish stronger social connections.

To define your personal core values list, start to look inside to uncover what matters to you. It may take some time and a lot of digging deep to find what works for you.

One size does not fit all when it comes to core values, as each individual may have a different set of core values. So, it may not just be as simple as looking through a list and picking some values to go by; spend some time in personal reflection to discover yourself.

Here are some questions to start you out on this self-discovery journey. As you think about them, be sure to write down answers as they’d serve as clues to identifying your unique personal core values.

Who do you admire?

It is helpful to identify real-life examples of people you admire and look up to. Carefully consider and write down some role models you admire whose meaningful lives inspire you. This could be people you know, characters out of a book/movie, etc.

Specifically, you’ll want to note down

  • What, particularly, about them inspires you
  • The admirable qualities they possess
  • Specific behaviors you would like to emulate

What inspires you to act?

Most often than not, personal core values often manifest through actions and behaviors. Was there ever a situation where you took a stand for someone or something? Why did you feel so strongly to act?

Try writing down:

  • the feelings that pushed you to act or speak up
  • the risk you were willing to take at that moment
  • the consequences of acting — what you gained or lost

When do you feel most like yourself?

When the situation presents itself that permits you to react with external influence/pressures, it clarifies your values. And when you do betray your core values, the feeling of shame and guilt sets in, and you feel defiled.

In situations you feel wrong, guilty, or ashamed, you should write down:

  • who you’re with
  • the exact feelings being triggered
  • emotionally and physically cost of the experience

In situations you feel authentic and genuine, write down:

  • who you’re with
  • the exact activities involved
  • positive emotions as a result of these experiences

If you find it hard articulating the words that describe the qualities or emotions you feel from the exercises above, it may be helpful going through a list of values. Here are some examples.

List Of Core Values

  1. Abundance
  2. Achievement
  3. Advancement
  4. Adventure
  5. Affection
  6. Appreciation
  7. Balance
  8. Be True
  9. Beauty
  10. Career
  11. Caring
  12. Change
  13. Charisma
  14. Clarity
  15. Commitment
  16. Commonality
  17. Communication
  18. Compassion
  19. Connection
  20. Consistency
  21. Contentment
  22. Contributing
  23. Cooperation
  24. Courage
  25. Creativity
  26. Dependability
  27. Determination
  28. Diversity
  29. Education
  30. Effectiveness
  31. Efficiency
  32. Encouragement
  33. Endurance
  34. Enjoyment
  35. Entertain
  36. Entrepreneurial
  37. Environmentalism
  38. Excellence
  39. Excitement
  40. Facilitation
  41. Faith
  42. Fame
  43. Family
  44. Finances
  45. Finesse
  46. Forgiveness
  47. Freedom
  48. Friendship
  49. Relationship
  50. Fun-Loving
  51. Generosity
  52. Giving People a Chance
  53. Good humor
  54. Goodness
  55. Grace
  56. Gratitude
  57. Happiness
  58. Harmony
  59. Health
  60. Home
  61. Honesty
  62. Humanity
  63. Humor
  64. Independence
  65. Innovation
  66. Integrity
  67. Intelligence
  68. Invention
  69. Involvement
  70. Influence
  71. Joy/Play
  72. Justice
  73. Kindness
  74. Knowledge
  75. Leadership
  76. Learning
  77. Love
  78. Love of Career
  79. Loyalty
  80. Motivation
  81. Open-mindedness
  82. Openness
  83. Optimism
  84. Order
  85. Passion
  86. Patience
  87. Patriotism
  88. Peace
  89. Perfection
  90. Perseverance
  91. Personal Development
  92. Positivity
  93. Power
  94. Pride in Your Work
  95. Professionalism
  96. Prosperity
  97. Quality
  98. Reciprocity
  99. Relationship
  100. Reliability
  101. Religion
  102. Renewal
  103. Respect
  104. Security
  105. Self-Respect
  106. Service to others
  107. Simplicity
  108. Sincerity
  109. Speed
  110. Spiritualism
  111. Spontaneity
  112. Strength
  113. Success
  114. Teamwork
  115. This-too-shall-pass Attitude
  116. Trusting Your Gut
  117. Understanding
  118. Wealth
  119. Wellness
  120. Willingness
  121. Wisdom
  122. Work Smarter and Harder

By Alan Melton