Combining the mind and effective goal-setting

Goals are of vital importance in our lives. Many of us spend our lives without any definite purpose, simply drifting from place to place. Setting goals help us to focus our lives and to advance confidently in a definite direction. Without them, I don't think our lives can truly be complete.

If you are looking for proof of the importance of goals, you need not look any farther than two pivotal studies on success and goal-setting, one completed by Yale University and the other by Dr. Lewis Terman of Stanford University.

In the first study, Yale University kept track of their graduates during a 20 year period and found that the 3% who set goals were worth more financially than the entire 97% of the students who did not!

In the second study, Dr. Terman of Stanford conducted a study of 1,528 students all with IQ's above the genius level. His study found that intelligence had nothing to do with success and financial acumen but that goal-setting did!

So now we know that goal-setting is vitally important to our success, but how do we do it? I first recommend that you take a day or two (longer if needed) to spend some time meditating about your passions in life. Start to make a list. Some wise men recommend that you try to write down 100 goals for your life. Lou Holtz, the tremendously successful football coach at Notre Dame and more recently at the University of South Carolina, said that while still in his teens he wrote down over 100 goals for his life (one of which was to coach a college football team to a National Championship - which he did). A few years ago at about the age of 60, Coach Holtz had achieved every single goal he had written down. So he had to write another 100 goals and I'm sure he'll get those before long too!

I recommend that you try to write 100, write them out and break them out into long-term, mid-term, and short-term goals. You can write your own definition of the time periods involved, but I would recommend that short-term is up to 5 years from now, mid-term is 5 to 15 years from now, and long-term is 15+ years.

Now that you have goals, you need to start taking advantage of them! This is where most would-be goal-setters fail. Anyone can write a goal, but I'd wager that if you asked 10 goal-setters what their short-term goals were after a week of setting those goals, that 9 out of 10 would not be able to answer!

You need goals in your life in order to achieve your dreams and have the success you desire. But just as important is a system for keeping your goals constantly in your mind. We're back to using affirmations and mind-imagery!

After you've written out your 100 goals, take all of them and write them in the form of 100 affirmations. Example, if your goal is to earn enough money to take your wife on a second honeymoon to the Caribbean, then you could write: "I am enjoying the company of my wife in the Caribbean sun by January 1, 2009 with the money that I gladly save and invest for my benefit!"

Then, follow the advice of Rod Moore of Self Management Systems who said: "Each morning, the first thing you should do is spend 5 - 10 minutes and invest it in programming your mind to go get the goals you have set for yourself. By doing so, you are imprinting or programming your mind each day to focus on what you want. By doing this consistently your sub-conscious mind will begin to manifest your desires into your life."

What I've found works best for me is to review my short-term goals daily, and then once a week review the mid-term and long-term goals making adjustments as necessary to the term of specific goals. I find that this keeps me focused on achieving the goals with the shorter term without forgetting about the goals on the horizon.

I want you to be tremendously successful and I believe that you will be with the techniques and exercises that we've discussed. Be a goal-setter, but don't just set them and walk away. Set them and follow them and achieve the success you deserve! Until next time!

Business banking professional advice

At the beginning, you will be offered plenty of advice and support to set up your business – enterprise schemes often run seminars and give out free software to help you manage your accounting, for example. Local mentoring schemes can provide a useful way to make contacts with other people who have set up in business and excellent chances to network.

When it comes to tax and accounting, however, you may want to enlist the help of specialists. Particularly if your business has a large turnover or complicated finances, using an accountant can make a world of difference. While some people are put off by the thought of paying fees to accountants, the costs involved can actually be relatively low, and often your tax bill can be significantly reduced. Taking on an accountant may save you money as well as a lot of hard work! Some offer additional services, such as advice and auditing that could help to make your business more profitable.

If you run a business you are legally required to keep records of certain things. For example, if you employ staff you will need to keep PAYE records, and VAT records if you are VAT registered. All businesses must submit a tax return every year – you can now do this online. If you have an annual turnover of over Ј5.6 million you are legally required to have an annual audit, which must be carried out by a qualified and registered auditor.

Choosing an accountant is a matter of knowing what you want from your relationship, and finding someone whom you trust to do the best job. While personal recommendations from family and friends are a frequent reason for choosing an accountant, you may also want to consider whether they have particular experience in your sector, how much the practice charges, and what additional services they may be able to offer you.

Qualified accountants must be registered with one of the professional bodies that regulate them:

The Institute of Chartered Accountants (in England and Wales, Scotland or Ireland respectively)

icaew. co. uk

The Association of Chartered Accountants

accaglobal. com

Chartered Institute of Management Accountants

cimaglobal. com

Tax is an immensely complicated subject, but the Inland Revenue do attempt to make it as easy as possible to understand the basics. They offer a starter pack for new businesses, and a helpline for the newly self-employed. Check hmrc. gov. uk for full details.

Why do you need any education at all

:
Having the right education puts you right among the potential experts. With time You will be considering yourself as a such. It is a nice vision to become an expert. To be able to say, I know the subject so well, so 'just ask me questions'...
A lot of people, donґt dare, they procrastinate to start a new ideas, professions or employ any news in their lives. They mean to leave to later, like to this proverbial 'tomorrow' day - that day, but it never comes, by the way!
Well it is about winning against yourself!

It's about winning.

If you are trying to start a trading career you are probably trying to find out what is it that separates the minority of traders that are making consistent profits from the vast majority that is consistently losing or struggling. somebody might think that winning traders have some special talents, or that they have some inside knowledge that is not available to others, or that that they have better tools, or they inherited a bright mind. Or this may be a matter of good or a bad luck?

This is about your own appraoch and determination to constantly improve yourself , learn new things, and dare to act NOW!
How many times did you stay away, just peering in, observing what others do. Thinking that this is 'for others`. No, it is just for you. To learn to grow, to dare, to WIN! With education, or specific education anybody can become just anything.

Having right information you prepare yourself to enter the exciting field of currency trading and, more importantly, to put you on equal ground with successful traders. You may be a total newbie trying to learn as much as you can about forex markets before you attempt to trade. You may be a beginning trader, made a few trades, lost some, won some, however you have come to the conclusion that you don’t have a real edge and if you continue you will slowly burn most of the capital in your trading account. Or maybe you are already actively trading currencies and you are always looking for new ideas to improve your trading.

Why trade currencies?

Simply said, no other trading instrument comes even closely to forex market when it comes to liquidity, 24hr market environment and last but not the least, profit potential. Forex (currency) market is the largest (most liquid) financial market in the world, with an average daily volume of more than US$ 1.5 trillion, which is more than all of the global equity markets combined.
In order to enter this field on equal ground with successful traders you'll need to:
1. Belive that You can!
2. Equip yourself with the right knowledge and tools
3. Choose a proven strategy that suits your personality
4. Become proficient in implementing the chosen strategy
5. Don't be afraid to win
6. Improve your skills step by step by practicing & by the theory

The right strategies will show you an existing profitable strategy and everything you need to know in order to implement it successfully. Find out how to test strategies without risking any money. With patience and determination you will help yourself to develop necessary skills and to be able to put your strategy into action, profitably.

You might want to have some questions to make a plan to follow up.
- How to prepare for a trading session - Which order types should you use and when you should use them
- How to determine the most important support and resistance areas based on the previous day's info
- Where you should place your stops
- How to use Economic Calendar
- How much capital do you need to start
-How to obtain the most reliable real time quotes and charting software
- How to use info from the previous trading day to your advantage
-Find out unique proven winning strategies and easy to understand examples
- How to properly use leverage
- How to spot the exact best time to enter the trade either on a long or a short side
-Where to find support of the experienced public
-Where to find more information
-Where to find others having almost the same questions, meaning others who are learning too

More question will build up as you practice your new skills and follow up the next step in your education.
You may have an excellent understanding of financial markets, realistic expectations, plenty of capital and nerves of steel. However, if you don't have a tested and proven entry/exit system eventually you will fail. Having access to a support system will take you right in the arms of a success and a big adventure!

For more valuable information please visit
mynetto. com

We are a group of people dedicated to create many successfull lives

Reasons to stay positive

You surely have heard about "positive thinking", but why bother? Is there any reason you should make the effort to retain only positive thoughts? This article shares some ideas why you may in fact want to make this effort.

Higher Productivity

Maintaining a positive attitude may lead to higher productivity, whether in your career or personal life. When you are negative, you tend to give up more easily, get frustrated, get easily distracted, and drag your feet. A simple thing such as how you think can make a world of difference. W. Clement Stone spoke of this when he said "There is little difference in people, but that little difference makes a big difference. The little difference is attitude. The big difference is whether it is positive or negative.". Whether you want higher productivity is up to you, however consider the cause and effect of your attitude. Zig Ziglar also spoke of this when he said "Positive thinking will let you do everything better than negative thinking will.".

Better Relationships

Who wants to be around a negative person? Do you? When you are negative, you are sending out signals to others to stay away from you, unless perhaps they are also negative and seek a similar mindset. Do you want to attract negative people, or positive people? Ken Keyes Jr. touched on the reality of this when he said "A loving person lives in a loving world. A hostile person lives in a hostile world; everyone you meet is your mirror." Your attitude affects both personal relationships, and career relationships. While the impact of your attitude in a personal relationship is perhaps more obvious, in the workplace it's often less obvious. It's the relationships, trust, and rapport you build with others which contribute greatly to advancement opportunities, and should not be overlooked.

Better Health

Both modern medical providers and ancient practitioners have said that your attitude can affect your health. Your body takes queues from your mind, and negative thoughts can be disruptive to your internal body processes. Handling stress is a key challenge for us, to avoid stress-induced illnesses. The reverse is also true that having good health will contribute towards a positive attitude, so take care of your body! A holistic approach is to focus on your mind and body together, ensuring you are eating well and getting exercise.

Happiness

Happiness is perhaps one of the most important things of all, what good are the other things above if you aren't happy? Financial success doesn't necessarily equate to happiness, many wealthy people are quite unhappy. Happiness is really a state of mind, and we have complete control of our own minds. Unfortunately, many leave their thoughts and emotions on "autopilot", never deciding for themselves how they want to think. Maintaining a positive attitude equates to a decision to be happy, it's your choice! Buddha summarized how to remain happy no matter how bad things may seem when he said "Let us rise up and be thankful, for if we didn't learn a lot today, at least we learned a little, and if we didn't learn a little, at least we didn't get sick, and if we got sick, at least we didn't die; so, let us all be thankful.". It's also important to not miss the things that truly make us happy, which is not typically money, but often little things we take for granted. As Robert Brault said, "Enjoy the little things, for one day you may look back and realize they were the big things.".

Spiritual Growth

If you believe in a creator, or practice a religious belief, then you may also believe that remaining positive is part of a spiritual growth path. Many religions teach this basic premise, that we should remain positive and trust in our creator no matter how bad things may seem. Even if you don't have spiritual beliefs, perhaps you feel something within your conscience that urges you to be positive, and thus have a positive impact on others in your life. Being positive makes others feel good, which is rewarding in itself.

You Are Your Thoughts

What are you but your thoughts? Mahatma Gandhi said "A man is but the product of his thoughts what he thinks, he becomes." What do you want to be? Your thoughts have more impact than you realize, and define who you are, how others react to you, what comes into your life, and how you will be remembered when you are no longer here. What type of person do you want to be? Make sure your thoughts and attitudes support your definition of yourself!

How to Do It

How to maintain a positive attitude is a subject for a different article as there are many methods to achieve it. However, deciding you WANT to do this is a key first step, and can lead you towards pursuing methods which work for you. A good second step is to begin to simply recognize when you are not feeling positive, and pause to reflect on whether you want to CHOOSE to feel that way or not. Getting your mind out of autopilot puts you back into control, which is fundamental to changing your attitude.

Chase goes after small businesses with business credit cards

Like the other players entering this market, their business credit cards too are designed to help small business owners free their personal credit cards from the burden of business related expenses whilst offering them a fresh source of purchasing power.

There are a number of business credit cards in their repertoire. Since many small business owners find rewards and discounts to be attractive features in business credit cards, Chase issues several different versions of these. The more interesting offers include cash back features ranging from 3 to 5 percent on the purchases that small business owners typically make on a day to day basis. Chase business credit cards with premier cash rebate, give 3 percent cash back on purchases of gasoline and office supplies, and those purchases made at restaurants, hardware stores, and home improvement centers; all other purchases give one percent cash back.

The cash rewards business credit cards offer 5 percent cash back on purchases from all merchants. Such a substantial cash back feature will doubtlessly induce greater spend on this business credit card.

They have an interesting flexible rewards platinum business credit card, allowing a choice between four kinds of rewards. The business earns 1 point for every dollar spent on this business credit card and the points accumulated are redeemable in the form of cash back, travel, merchandise or gift certificates, from 2,500 points upwards.

Chase also issued business credit cards in partnership with other companies, including Amazon, Bell South and others. Professionals get some special treatment with their own business credit card product, aptly named the Chase Professional card.

In what could well become quite popular, Chase released a purpose designed business credit card for contractors. These business credit cards are issued under the Visa signature business credit card series, which means that there are no pre-set spending limits enforced.

The contractor business credit cards allows for some elbow room on cash flow by giving 60 days of same-as-cash credit for certain qualified construction purchases. Within the 60 days and at a 0 percent APR, the business will not be required to make payments against qualified construction purchases charged to the business credit card. Bear in mind though, that the purchase must exceed the $1,000 mark.

It is important to note, that those in default on their business credit card payments for due balances, will lose the special privilege. Those balances above the revolving credit amount will be subject to finance charges, which will be included in the minimum payments due.

Contractor business credit card holders get 2 percent cash back on all material and supply purchases and 1 percent on all other purchases. The eligible business credit card purchases will include those made at retail stores or with other contractors recognized by Chase. Business credit card purchases made at warehouse clubs, discount stores, and superstores will not be eligible for the 1 point for every $1 purchase feature.

Real estate terms from condominiums to deeds of trust

When buying or selling a property, it always helps to have a basic understanding of real estate terms. In this on going series of articles, we take a look at definitions starting with “condominium.”

1) Condominium - A type of ownership in real property where all of the owners in a collection of properties jointly own everything except the interior of each property. Accordingly, the jointly area is run by a homeowner’s association, which can assess fees to the owners for improvements, etc.

2) Contract, or Sales Contract, or Contract of Purchase and Sale – the agreement between buyer and seller. In most jurisdictions it must be in writing in order to be enforceable. It covers such things as the identity of the property, the purchase price, any conditions of the sale, the settlement date or escrow period, when the buyer will occupy the property, etc.

3) Contract for Deed – a written document which provides that Deed does not pass to the buyer until the final payment has been made. In the event of default by the buyer, the property reverts to the seller. (One sees these occasionally. I’ve seen them when an owner was financing the sale of raw land for a buyer.)

4) Deposit, or Good Faith Deposit – an amount of money tendered by the buyer at the time a contract offer is made on real property. The contract spells out who holds it, and circumstances under which the seller gets it, and circumstances under which it’s returned to the buyer. Typically, the seller gets it as part of the purchase price at settlement, or as liquidated damages if the buyer defaults. The buyer usually gets it back if a condition of settlement is not met.

5) Deed – the written document which conveys title to real property. Some states are “record” states and ownership is defined by the deed’s being recorded at the courthouse in which the property lies.

6) Deed of Trust – the document which allows a third party to act for the lender should the lender need to forclose on real property used as collateral for a loan.

As you can image, there are many real estate terms for which you have a general understanding. In our next article, we continue with the terms starting with “Easement.”

The invisible command how you may be sabotaging your dog training efforts

I was sitting in the waiting room of my local HMO with a sinus infection and happened to pick up the recent issue of Outdoor Life magazine. Actually, it was the only thing to read, but that didn't bother me as most hunting publications usually include at least one article on dog training.

I was lucky, as this month's dog training article was interesting enough for me to tie into this week's e-zine issue.

On page 36, sandwiched between the 'Professional Bass Tournament'article and the "His camo-painted truck and 'Kiss My Bass' bumper sticker are the only endorsements you'll ever need" advertisement, I found a story by veteran dog man, Larry Mueller.

Mueller recants meeting 82 year-old James Evans, of Naruna, Va. who owned an 11 year-old Lab-weimaraner cross that could allegedly multiply numbers!!!

Mueller states that, "Evans decided to teach [his] dog to count to 10... 'What's the first number?' One bark. 'What comes after one?' Two barks. And so on. [His] dog counted backward, too, in addition to correctly answering what comes before or after any number not exceeding 10."

As a professional dog trainer, I hear amazing stories like this all the time. The only problems is that upon further investigation... they NEVER turn out to be true.

Mueller writes, "Evans began to suspect that [the] dog was reading his mind."

However, anyone who has studied the dog's mind (and canine behavior in general) knows that:

1.) Dogs can't read our mind. They read our body language.

2.) Dogs can't do math. Especially multiplication.

Mueller must have come to the same conclusion as I did, because he decided to review several video tapes of Evans and his dog performing their multiplication trick. But it wasn't until he actually met with Evans that he was able to ascertain how the dog was figuring out the math problems.

"All I knew for sure was that James Evans was no trickster trying to deceive the public for gain," and that the old man had wanted to know how the dog did it, as much as anyone.

Mueller continues, "I studied the video tape and recognized that the word, ' What's ' could be the cue to start barking. I thought the signal to stop might be Evans withdrawing his hand from his pocket with a kibble reward. But it didn't correlate, so I asked Evans if I could rig something to tell us the approximate location of the cue, if there was one."

To make a long story longer, Mueller found that when the dog could not see Evans, he stopped getting the answers right! After further study, Mueller noted, "I noticed an almost imperceptible twitch-- a reflex action like a blink occurring without conscious thought... I asked Evans to stand motionless. He found it difficult, and [his] dog's barks in answer to his questions [became] random." When Evans wasn't allowed to subconsciously cue the dog, the dog was no longer able to come up with the correct answers.

In sum, the dog was relying on his owner for the answers. Which, in and of itself is a pretty impressive feat, even if it isn't comparable to knowing your multiplication tables!

Here's two examples that probably apply to your daily training:

1.) Many owners tend to start bending over before telling their dog the, "Down" command. Because of this, the dog starts to cue off the owner's body language (just as Evan's dog did) and lays down anytime the owner bends over... but not if the owner stands up straight and issues the command!

Solution: Always give the command FIRST, before bending over and making the dog do it. This way, the dog will link the behavior with the command, rather than with your body language.

2.) Amateur handlers tend to tell their dog "Heel," and then walk with their shoulders angled back towards their dog, so that they can look at their dog while they're walking.

The problem with this is that the dog reads your body language and attempts to align himself with your shoulders, thus lagging behind the owner, rather than walking in the heel position (aligned with your left heal.)

Solution: Keep both shoulders straight forward as you walk. If you need to look at your dog (you should)... cock your head, without angling your shoulders. This will keep your dog lined up right alongside you.

That's all for now, folks!

Adam

Using online video websites to promote your website

Do you run your own website? In today’s world, it is possible that you do. Many website owners are trying to capitalize on the popularity of the internet. That may involve creating a website that sell as particular product or creating a website that relies on online advertisements to make money. Whichever type of website you own, your website will need to have traffic. Without that traffic internet users will not buy your products or click on your advertisements. However, for many, getting internet traffic is easier said than done copywritings. info

When it comes to internet traffic many individuals let the search engines do all of the work for them. When you create a website, it is likely that you will have content on your website. That content most commonly includes articles. Search engines use that content to rank your website. Being the owner of a high ranking website will often result in more online visitors. Depending on the type of website you have, more website visitors could mean more profits. Unfortunately, with an unlimited number of online websites, not everyone can have a high ranking website. This means that, in addition to search engines, you should promote your online website in other ways.

One way that you could promote your online website, to increase the number of page views it sees, is to take advantage of online video websites. Online video websites are rapidly increasing in popularity and that popularity may be able to help make your website a success. As you can easily tell by their name, online video websites are websites that host a wide collection of different videos. Many of these videos are considered homemade because they are made by people just like you.

When it comes to promoting you website, with online video websites, there is one thing that you will want to keep in mind. Most internet users do not enjoy watching videos that appear as spam. This means that you will want to promote your online business to the best of your ability, without trying to appear too pushy. This can easily be done a number of different ways.

If you are the owner of an online website that sells a particular product or service, you may want to consider promoting or showcasing that product or service. You can easily do this by showing samples of your work. It may also be a good idea to explain how long you have been making the products or offering the services that you currently offer. Although you will want to promote your online website and the products you are selling, you will also want to keep your video as general as it can be. This will help to keep it from looking like increasing your sales the only goal of your video. If you choose to do so, you will want to offer information on your business at the end of your video.

Although online website owners who are using their website to sell a product or service can benefit the most from the use of online video websites, everyone else can as well. If you are using your website to make money through online advertisements, such as Google Adsense or affiliate programs, it is likely that your website is content driven. This means that you may have a collection of articles on your website, often focused on a particular topic. It may be a good idea to create a video proving information and even interactive displays on the topic that your website covers, whether that topic be women’s health issues, owing a pet, or something similar. At the end of your video, it may be a good idea to include the address of your online website. Doing so may help to increase the number of visitors that your website gets.

When it comes to using online video websites to promote your online website, you will have a number of different options. There are a number of online video websites that will allow you to upload and share your videos, many free of charge. To make the most out of the time spent making your video, you are advised to find an online video website that is popular, such as Google Video or YouTube. The more people that see your video, the better the chances are of them making their way to your online website.

Sleep apnea symptoms solutions

Apnea, in terms of the Greek word, is defined as “without breath.” This is exactly what happens to individuals who suffer from sleep apnea, which is a serious medical condition that causes the sufferer to completely stop breathing on more than one occasion throughout the night.

While it may be difficult to realize the symptoms of sleep apnea because they occur during sleep, it is possible if you know what to watch for. For instance, you may notice uncommon exhaustion throughout the day, a general feeling of fatigue, frequent or long-lasting headaches or irritability. These symptoms occur due to lack of sleep, which is caused by sleep apnea. In addition, if your spouse notices intense snoring or long pauses between breaths at night, you may be suffering from sleep apnea.

The only person who can positively identify sleep apnea is a licensed physician. He or she may ask a series of question or, in some instances, recommend a sleep study by asking you to spend the night in a supervised sleep center. At this type of facility, the purpose is to determine whether or not you suffer from sleep apnea. A series of monitoring devices will be placed on your body in order to detect your breathing patterns throughout the night.

Sleep apnea, when left untreated, can be extremely dangerous. In fact, it can lead to heart disease, a stroke or other major health problems. In addition to the obvious health risks, sleep apnea may lessen your immune system’s ability to fight disease or the loss of sleep can cause you to be impaired when driving. Sleep apnea treatments may include sleeping on your side instead of your back, giving up alcohol and cigarettes, ridding your home of allergens, maintaining a healthy diet and exercise program or the use of a doctor recommended at-home apnea treatment.

A product known as the Sleep Genie, which is a doctor recommended anti-snoring device, is available to help provide comfort to those with sleep apnea. Manufactured of a comfortable nylon lycra blend, the Sleep Genie comfortably supports the jaw while keeping the mouth closed to prevent snoring. While the Sleep Genie is not intended as a cure for sleep apnea, many users find additional comfort when using this product with the Continuous Positive Airway Pressure (CPAP) machine, which provides continuous air pressure to help prevent the collapse of tissue in the throat that often blocks air passages during sleep. Users of the CPAP machine need to sleep with their mouth closed in order to prevent the air from escaping, which is where the Sleep Genie often proves beneficial.

This article is intended for informational purposes only. It should not be used as, or in place of, professional medical advice. Before beginning any treatment for snoring, please consult a doctor for a proper diagnosis and remedy.

Heart diseases statistical comparison between us and africa

Cardiomyopathy is a rare heart muscle disease over the world, but not in Africa where it is one of the major causes of heart failure, according to experts that reviewed all available cardiomyopathy studies performed in Africa, along with all the information about the causes and types of heart muscle disease in Africa, where 10 per cent of the world's population lives.

A 10 per cent to 17 per cent of cardiac problems found through autopsies in South Africa and Uganda, and 17 per cent to 48 per cent of heart failure diagnoses in many parts of Africa are due to dilated cardiomyopathy (DCM), which is an enlargement of the entire heart, explain researchers.

In the United States, 4 to 8 per 100,000 people are affected by DCM, but African overall incidence is unknown, because the corresponding studies have not been made yet.

Researchers' findings show that Peripartum cardiomyopathy has a very high incidence throughout Africa and Nigeria. This illness can cause heart failure and it develops between the last month of pregnancy and the first five months after childbirth.

Peripartum cardiomyopathy incidence in the US is 1 in 15,000 deliveries; meanwhile the incidence in South Africa is 1 in 1,000 cases.

DCM is caused by various factors, under generally accepted African theory. These include untreated high blood pressure, infective and toxic agents, inappropriate immunologic reactions, nutritional deficiencies, and genetic factors.

According to experts, it is important to do more research to understand the underlying reasons for Africa's high cardiomyopathy rate, and prevent or reduce it.

Fishing with jigs

Fishing With Jigs

There seems to be one thing most anglers do that isn't quite right. That's how they fish a jig. Most fish it faster they they should. Jigging can produce a nice quanity of bass but it's main goal is to produce quality bass.

In The Spring

Fish brush, lily pads that are just coming up, boat docks and rocks. Try fishing shallow water, it warms up fastest. Fish with a 1/2 ounce jig tipped with pork.

In The Summer

Now is when most anglers go to a faster moving lure, you should try jigging. Fish creek beds, channels, grass and lily pads.

In The Fall

Try fishing jigs around wood. Logs, stumps, boat docks and downed trees are good places to fish your jig this time of year. Also try the lily pads that are dying off.

In The Winter

Rivers are great for winter fishing. Try to find slow moving water in the 3 to 9 foot range. A heavier jigs like a 3/8 ounce tipped with pork works good. Deep water can find schools of bass in slow moving water.

Jigging can be one of the best bass producing methods if you fish it slow enough. Keep the jig in front of the fish, move it very slow and you'll have good results if there are fish to be caught.

Does sedona method really work

The Sedona method claims it is a really simple way to help you to improve your life. But does the Sedona method really work?

Well, as with everything else in life, the answer is yes and no. If you let the Sedona method work for you, the answer is a resounding "Yes". If you fight against it and refuse to do the very simple exercises involved, then the answer won't be as positive.

But then, what would be the point in going as far as purchasing the Sedona method and then fighting it? That would be daft.

Especially when it's so simple.

If you can ask yourself three simple questions, then you can carry out the process involved in the Sedona method.

You can ask the questions out loud (providing no-one nearby will think you're just going crazy) or in your head.

First, you should identify the feeling that you most want to deal with. It could be anything. I'd suggest starting with something small first, such as that annoying advert you've just watched.

Then just ask yourself the three simple questions identified in the Sedona method.

Remember, there are no right or wrong answers. If you want to hold onto the feeling of being annoyed for the next decade, that's fine. It might seem increasingly silly as you go through the questions again. But it's an OK answer!

Repeating this on a number of occasions, you'll find your feeling start to disappear. Maybe not on the first or second question round. But after, say, five or ten repetitions you'll start to question why the problem ever bugged you in the first place.

It really is that simple. And it really works!

Make using the Sedona method part of your daily routine, a bit like cleaning your teeth, and you'll start to notice a change for the better in your life.

Downloading free spyware adware removal programs

There was a time when the person did not have to worry about viruses, spyware, worms and other headaches. Unfortunately, these things are here and people have to deal with it rather than becoming another victim.

Given that this problem affects everyone on a global scale, software companies have come out with various products to deal with the threat. Here are a few examples of those that are quite popular in the market.

1. McAfee is one of the many software companies that can help make those spyware and adware programs go away. Unfortunately, people have to pay for it since it doesn’t offer a 15 or a 30-day trial period.

2. Those who have genuine installed windows operating systems can download Windows Defender for free. The system will scan for potential problems and get rid of it, product updates will be downloaded automatically and problems incurred will be reported back to Microsoft so a solution can be made to fix the problem.

3. Those who feel more comfortable after getting a good review from some of the top PC magazines can also try downloading Spybot Search and Destroy. This program solves any spyware and adware currently in the computer and keeps it out for good.

4. Adaware is another company that has been around providing security for computer users. It has various versions and those who will use it for personal get downloaded the program for free. Those who choose it to use it for business will have to pay a fee.

5. Ewido Security Suite is also another free program that can take care of both spyware and adware. The designers of the system have even designed it to handle Trojans, dialers, worms and keylogger.

6. Another company joining the fight against spyware and adware is Symantec. It has various versions available and the individual can download the software for a 30-day free trial period. After the time is up, the customer can choose to buy the program to ensure the computer is safe from any threats.

7. Spyware Guard is a free program courtesy of Java Cool. It works just like the others making sure no harm comes to the files inside the computer.

The products just mentioned are the most frequently used by people in the market. All the free spyware and adware programs once downloaded will first scan the computer for any problems and once these have been identified, will be deleted preventing it from coming back.

Software and Adware programs can be purchased online or from the store. The person should make sure that there is enough space in the hard drive so this can be installed and fully operational within minutes.

It will also be a good idea to make sure the software that is about to be downloaded comes from a reputable site because there are some bogus programs that are just as harmful as the spyware and adware itself groups1.com

Computer users are also advised to set up a firewall and a backup disk because no matter how great the system is, hackers and other designers out there are still coming up with newer ones that can bypass the system.

Given that the threat is always there, won’t it be good idea to get something that can protect the computer?

Organise and control your world with a desktop calender - a complete review

I used to have an old paper desktop calendar, which seemed to have everything that I needed. I could timetable important dates and appointments in my desktop calendar, and each day had a funny and interesting quotation which would provide food for thought, as well as a pleasant moment or two of distraction. But, for many people (and I include myself in this group) there simply is more required nowadays than a paper 2006 desktop calendar can provide. That is why you should get an active desktop calendar for your computer screen.

Desktop calendars are invaluable sources of organization for any modern executive, or really anyone who is computer literate and wants to make their life more organized and efficient. Computer desktop calendars allow you all of the functions imaginable, and many of them are free, or at least quite reasonable. Using a desktop calendar, you can schedule anything that is upcoming weeks or years in advance, and set it to remind you with tones when the time comes. If you do use your computer on a daily basis, there is simply no reason why you should not use an active desktop calendar for all of your secretarial needs, as it is much better than the old paper standbys, and you can not lose it.

There are, however, some problems with switching from paper calendars to electronic ones. One of them is that a desktop calendar is not moveable. Although the old style of desktop calendars were not moveable either, they did allow an easy way to add important notes that you took when out. You could simply tape them to the day when you got home, which was much easier than having to boot up the calendar and type it in, I am sure that you will agree. And, if your hard drive goes, your paper 2006 desktop calendar is still there, while your computer calendar, along with all record of your important appointments has gone for good into the computer happy hunting ground. That is a quite unfortunate event, I am sure that you will agree. Another problem with these new styles of desktop calendars is that they can be disturbed by Windows events. If your computer were to install some updates and reboot itself, you could be completely out of luck. If the desktop calendar did not reboot correctly, it would not remind you of all of your important appointments.

Do you want your tattoo removed the laser way

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Laser tattoo removal

Laser tattoo removal works on the principle of selective thermolysis where the targeted tattoo is exposed to the energy delivered by laser. This energy exposure results in selective destruction of the foreign pigment while ensuring minimum damage to the surrounding skin.

Lasers can be applied to remove all sorts of tattoos be it professional, amateur, cosmetic, medicinal, and traumatic tattoos. The different colors present in the tattoos may respond differently to laser tattoo removal, but they do get removed to quite some extent. Thus laser tattoo removal presents itself as a non-invasive and effective treatment for unwanted tattoos.

The right candidate

Anyone with a need to remove an undesired tattoo can opt for laser tattoo removal. It is not the person’s physical characteristics which decide the extent of removal but the colors used. Though most tattoo colors can be eliminated or lightened more or less, skin colored tattoos may undergo irreversible ink darkening. This may be the case with white, pink, flesh-toned and light brown tattoo inks. Also red ink tattoos may turn black. In these situations do ask or say yes to a test dose.

Some Facts

Although, laser tattoo removal for sure is the best solution to the unwanted tattoo woes; it has got its warts which need to be kept in mind. Some of them are:

1. Since results are color dependent total elimination is not possible, however you can be sure of dramatic lightening. Amateur black tattoos respond more quickly than professional and multicolored tattoos.
2. To get maximum benefit multiple sessions are usually required.
3. Doubly treated tattoos may require additional treatments.
4. If the tattoo is multicolored, it would require exposure to lasers of several different wavelengths because of the selective absorption characteristics of a particular color.

Types of lasers used

Q-switched Ruby Laser (QSRL)

It is a red colored laser which works best for dark blue and black inks. With tattoos in these colors, results have been exceptional. So far as red and yellow color is concerned results have been less than satisfactory. The response of green tattoos is variable. The QSRL is also effective in treating medicinal and traumatic tattoos.

Q-switched Nd:YAG

This laser works both for amateur and professional tattoos of all colors. But best results have been observed in case of black tattoos, as is the case with the ruby laser. Moreover this laser works quite well for darker skinned individuals. Also unlike QSRL, which is ineffective in case of red and yellow color, Q-switched Nd:YAG is highly effective for these colors in frequency doubled setting (532 nm).

Q-switched Alexandrite Laser

This laser is quite like QSRL in treating tattoos especially when treating green tattoos. However up to 50% of patients can experience textural changes in their skin after treatment.

Flashlamp-pumped Pulsed Dye Laser

This laser does not penetrate deep into skin because of its wavelength which is 510 nm. Hence it is not so useful when it comes to deeper tattoos. However, it is effective for the treatment of brightly colored tattoos such as those that use red, purple, and orange inks. The major side effect of this laser is bruising.

Post-procedural Care

After the procedure some swelling and blistering is commonplace, so is crusting. So don’t panic they will go by themselves after some time. Do take good care of the wound to aid the healing process and to prevent infection.
To ensure fast and safe healing, make use of prescribed antibiotic ointment with regular dressing changes. If you feel the need of alleviating any resultant pain, consult the physician to recommend you some pain killer. Also avoid exposure to sun to prevent tanning.

Conclusion

Laser tattoo removal has brought an effective, less painful solution to people who want to get their tattoos removed or faded.

Refrigerated treats can make for a cool event

It's always a great time to get "Back to Cool" and enjoy a picnic with family and friends.

The refrigerated dairy aisle of your local grocery store can be a great source for tasty, convenient selections for your outdoor gatherings, such as cheeses, breads, jello, dips, puddings, yogurts, juices and much more.

Try ideas like these for a very tasty picnic:

• Make an easy, scrumptious potato salad with convenient refrigerated potato selections.

• Create and bake delicious snacks with refrigerated bread dough and shredded cheese.

• Stock up on a variety of yogurt flavors and pack fresh fruit for dipping.

• Try the many dips and sour cream selections and bring plenty of fresh vegetables to the picnic.

• Remember the individually packed cheese slices to top grilled hamburgers or to enjoy as simple snacks.

• Don't forget the whipped toppings to make any dessert special.

While you are planning your menu, also plan for a safe picnic. Food spoilage and cross-contamination are real concerns when eating food outdoors in warm weather. Be sure to follow these tips from the National Frozen & Refrigerated Foods Association (NFRA) to ensure your picnic is a healthy one:

• Bring water for preparation and cleaning, or pack clean, wet, disposable cloths or moist towelettes and paper towels for cleaning hands, surfaces and utensils.

• It's important to keep hot food hot and cold food cold during the picnic.

• Carry cold perishable foods in an insulated cooler packed with ice or frozen gel packs. Make sure raw meat and poultry are wrapped securely to prevent juices from cross-contaminating.

• If bringing hot take-out food such as fried chicken, eat it within two hours of purchase or plan ahead and chill the food in the fridge before packing in an insulated cooler.

• Don't stock the cooler until immediately before leaving from home. Keep the cooler in the coolest part of the car when traveling.

Asleep at the wheel

The drowsy driver has become more of a hazard as commutes become longer and more frequent. In fact, the term is now being used to identify a problem that has killed over 300 people in California alone since 2002.

As we evolve into a 24 hour a day society and more workers join the long commute, the number of accidents and fatalities caused by drowsy drivers will increase, said Dr. Jane Stutts, formally of the University of North Carolina Highway Safety Research Center.

She says that a trance like state is produced about 30 minutes into the drive, when blood has drained from the brain and pooled into the lower extremities.

To avoid this syndrome, get your eight hours a night of good sleep. Even two hours of missed sleep can bring on the drowsy driver effect of loss of coordination, impaired judgment, slow reaction time and impaired attention span.

Although there has been reports of truckers falling asleep at the wheel, little attention has been paid to the long distance commuter until now. The National Traffic Safety Administration suggests that when you find yourself in this predicament, take a 15-20 minute nap or drink two cups of coffee. The usual remedies - open the car windows, turn up the radio, talk on the cell phone are not considered to work. To read more about this, click on this link:

Our thanks to Rocky Salmon of The Press-Enterprise for a timely report.

What's the Effect on the Rest of your Day?

If you've gotten to your destination without incident, the effects of drowsy driver syndrome doesn't just stop. It will continue, perhaps throughout the day. Poor problem solving, shortened attention span, difficulty with temper control, and depressed mood can all occur as a result of deprived sleep.

Few of us can get by on less than 7-8 hours of sleep nightly. Even one night of disrupted sleep can have a negative effect. But for those who regularly lose sleep, the effect will be consistent and progressive.

Return to the Five Steps to a Better Commute. We discuss the effect of loss of sleep and its partner, poor eating habits. Do something about this today before you become a statistic of drowsy driver syndrome. It may call for rescheduling or juggling your priorities. Perhaps other steps will be needed. But not only prevention of car accidents, but also physical, social and emotional health are in jeopardy as long as you don't get the sleep you need.

Tip: Your children are becoming commuters as they live farther from school. Check their sleep habits, especially middle and high schoolers, as well as their eating habits.

A closer look at different home based business opportunities

Those looking for a serious home based business opportunity online may often be a little overwhelmed with all of the options at their disposal. It can sometimes be difficult to sort out all of the different choices involved in the search for a serious home based business opportunity.

One serious home based business opportunity category is the area of sales. Many mothers, students, and entrepreneurs sell different types of products through this serious home based business opportunity. Products offered range anywhere from makeup and skin care to vitamins to household cleaning supplies. Although this is an excellent way to make money as a serious home based business opportunity, working in sales requires patience, friendliness, and an overall knowledge of one’s product. If one can develop the right approach over time, selling various products often proves to be an excellent choice for a serious home based business opportunity.

Another avenue in the pursuit of a serious home based business opportunity is the area of a business franchise. A franchise situation is one in which you work with an already existing business model in order to expand that company as well as make money yourself through this type of serious home business opportunity. The advantages of this particular style of serious home business opportunity are that one does not have the fees and stresses associated with starting a new business from scratch. Franchised business models tend to be very orderly and work very easily, as they are designed specifically with the franchisee in mind. The down side of this type of serious home based business opportunity is that a franchise does not usually offer a lot of creative freedom within the structure. Whether or not this is viewed as a problem would depend on each individual entrepreneur and his or her personal goals in pursuit of a serious home based business opportunity. Some people appreciate the ease of having their business planned out for them, and others would prefer to start from the ground up with their own serious home based business opportunity.

A third type of serious home based business opportunity is a business that is conducted through the use of the internet and e-commerce. There are countless ways that the internet can be used to pull in a profit when a person is working on a serious home based business opportunity. Many products and services are made available online through the use of a website, which can often be a very profitable and serious home based business opportunity. Internet businesses are not difficult to set up, although they do require an adequate knowledge of basic technology and the workings of the world wide web. The biggest challenge of an internet business is keeping up with the growing and changing times, as well as finding a way to make your business stand out among other internet companies as a serious home based business opportunity that is pulling in satisfactory profits.

There is much information online that is designed to help a person begin his or her first serious home based business opportunity. The best way to take advantage of one’s serious home based business opportunity is to gather as much knowledge as possible. This, in turn, will cause the serious home based business opportunity to be the best it can possibly be. With a little effort, the sky is the limit!

Adjustable rate mortgages vs. fixed rate mortgages

Buying a home can be an exciting and stressful time for anyone. While you may be excited at the prospect of owning your own home, especially if it is your first home purchase, the idea of choosing between all of the many different types of mortgages may leave you feeling confused and apprehensive.

Two of the most common choices you’ll find in the mortgage market are adjustable rate mortgages and fixed rate mortgages. Fixed rate mortgages are the most traditional type of home mortgage, offering a fixed interest rate that does not change throughout the life of your loan. There are a number of important advantages associated with this type of mortgage. First, if you are budget conscious, this type of mortgage will give you the peace of mind in knowing that your monthly mortgage amount will not change. You can budget the remainder of your financial obligations without worrying about a changing mortgage payment to throw things off.

An adjustable rate mortgage works differently. With this type of mortgage you may be able to obtain a lower interest rate than would normally be available with a fixed rate mortgage; however, the interest rate is not fixed. This means that your monthly mortgage rate may change as interest rates change. With such a mortgage you may not be able to regularly plan your budget due to such fluctuations. While there is usually a cap that will keep the interest rate from fluctuating too much, even a little fluctuation can be too much for some homeowners. Of course, there is also the possibility that interest rates will drop and if that is the case, because your mortgage is adjustable, your monthly payments will drop right along with the interest rate.

When deciding whether a fixed rate or adjustable rate mortgage is your best choice, you need to give thought to several factors. Ask yourself whether it is more important to be able to plan your monthly budget without wondering whether your mortgage will fluctuate or whether you would prefer to receive a lower interest rate in the beginning of your mortgage.

Remember that if you decide you would like to obtain the advantages of both you do have other options available to you. For example, if you feel the interest rate offered to you on a fixed rate mortgage is too high but you want the security of not having to worry about a fluctuating interest rate you can always buy down your interest rate by purchasing points. This will mean more up front costs for your mortgage; however, it may be worth it to decrease the interest rate, especially if interest rates are currently high.

If you do elect to go with an adjustable rate mortgage make sure you understand exactly how high the rates may go as well as ensure you have enough ‘wiggle’ room in your monthly budget to cushion increases if they occur. This may help to keep you out of a tight spot and possibly losing your home due to rising interest rates.

Think hard before deciding to borrow

Gathering the funds is one of the first steps of getting ready to buy a house. Few of us have sufficient ready cash to help us purchase real estate. Thus, we have to study the various options that mortgage dealers have on offer. These days, people have access to a number of great options.

However, the best and most popular of these has to be the mortgage. It is not too difficult to get hold of a mortgage in the fast expanding mortgage markets. You could be looking to purchase a house or you could be interested in refinancing or in clearing an existing debt. Whatever your need, you should be able to find a mortgage that will be perfect for. Some of the steps that should be followed while choosing the right mortgage are given below:

1. Gather Information:

Obtain as much information as possible from the various lenders. You need to know what their terms and conditions are. Also check about the rates of interest that are applicable on the mortgage. Ask about how you can repay the loan. Some lenders might offer mortgages at a low rate of interest with a long repayment period. This will be suitable if you require time to repay the loan. If you are unfamiliar with the jargon that is usually thrown around, employ the services of a mortgage broker to hold your hand through the entire thing.

If you are taking the help of newspaper advertisements, read all the terms and conditions. Some details pertaining to charges like redemption penalties might just miss your eye. If you are taking the help of a broker, make sure that you find out what his fees are at the very outset. Also, ensure that you get information on the various penalties that mortgage seekers should be aware of.

2. Advance and Down Payments:

Most lenders insist on a down payment of anywhere between 10 and 20 percent of the cost of the property. The remainder of the cost shall be provided by the loan, and can be repaid in installments over a period of several years. You could ask the lender about any flexible payment options they may have. One could also look at the option of paying the down payment itself in smaller installments.

3. Compare and Study:

Before deciding on which mortgage company you are going to deal with, make sure you study the various companies in the market. By doing this, you will be able to find out who is offering the best deal. This will also help you to sift out the genuine lenders from the frauds. This will become especially important if you are dealing with a relatively obscure lender. You would not want to get into any legal messes. Do business with a well-known lender.

4. Get It in Writing:

When entering into any kind of agreement, insist on putting down all the terms and conditions writing. The written document will be your proof should the situation arise where the lender goes back on his word.

Having the right amount of auto insurance coverage

Maybe you have auto insurance coverage now but do you ever wonder if it’s enough if you are unfortunate enough to get into a car accident? Some people carry a combination of auto insurance coverages because carrying too little coverage can cause you to be paying for the rest of your life under certain circumstances. Of course everyone has to have basic liability coverage, which is usually worth up to $50,000.00 for any single personal injury.

This goes as high as $100,000.00 for everyone involved and even though it might seem like a lot, this is not a lot of money given a nasty accident where medical bills, lost wages, and compensation for pain and suffering is involved.

With auto insurance the more coverage you purchase the cheaper it gets. This means that your cost goes up a little on your auto insurance coverage while your protection goes up proportionately more. This will pay off big time in the case of an auto accident and insurance settlement. It is the safety umbrella that you will need to avoid worry and stress from a stressful situation to begin with.

There are accidents that are serious enough to cost as high as a million dollars or more in a settlement, depending on the circumstances. Depending on your auto accident and insurance settlement, without the proper auto insurance coverage you could end up in a situation where you will be paying out money for the rest of your life.

If you can’t afford to get the full package on auto insurance coverage, it is better to take out $300,00.00 to $500,000.00 in personal injury liability and go a little less on property damage. Insurance coverage for property damage from an accident won’t be as expensive as personal injury can be. So when you’re purchasing coverage for your auto, keep in mind the extra money you pay now could pay off big time in the future.

Another auto insurance coverage that you will find extremely important is uninsured and under insured policies. This type of coverage will protect you from those that are driving illegally without auto accident and insurance settlement insurance. This is extremely important if an insurance settlement is paid out.

It is like buying more protection for yourself, as the other driver that hits you without coverage will have nothing to help you over your accident. Even though it may seem as if you are paying for the mistakes of another, it is worth it in the end.

Make sure you get enough auto insurance coverage, don’t skimp.

Now it is ford motors turn

It has happened again, and again in a very big way. I am sure you have heard the news that General Motors is closing plants and letting some 30,000 people go. Some they will be able to relocate, some they won’t.

Ford has started announcing they will be "cutting back" and will have more to say about it in February. When asked if the cuts will go deep enough, Bill Ford said he thinks they will. This is all devastating news that we should all be concerned about.

The manufacturing sector of our economy is the one sector that provides for our society in any country, a “ladder” that allows us to move from lower class economies to middle and upper middle class economies. Without manufacturing, it becomes more and more difficult for families to pull themselves up and obtain their dreams.

Most manufacturing jobs provide up to nine other jobs in the local economy. Think about the local drug stores, dry cleaners, car washes, gardeners, fast food restaurants, independent auto mechanics, and so on, that are going to see their customer base diminish and their services not used as frequently. This will be a direct result of their local patrons no longer have the discretionary income they once had. Most of those that are being laid off will now start to learn how to get it done themselves. After all, they will now have the time. Many will begin working on their own cars, taking care of their own lawns, cooking and eating “in” more often than not.

And with fewer “end” products being produced, suppliers and their employees are affected in the same fashion.

What of our younger generations that are coming up through school. What direction do they take upon graduation? What field do they now study in college? And to learn a trade is still a good bet, but unless they move to an area where there is more discretionary income, what do they learn a trade in?

These are tough situations and difficult questions. These actions affect us whether we live nearby or not, whether we were the ones laid off or still working, and whether we live in the United States or not. There will be huge impacts. How much will the Federal Government be able to do to help us? I spoke with some friends who live in Marathon Florida who were devastated in the last hurricane and they related that FEMA has notified them that they are temporarily out of money due in large part to hurricane Katrina. They indicated that FEMA told them they need to go back to congress to get more moneys approved.

There are some individuals who had some foresight and started a home based business that provided them residual income. It may have sounded kind of corny then, or out of vogue, but there are those families, husband and or wife: single parent, or head of household that DID do something way back when and have been enjoying discretionary income month after month from their home business. To those who were prepared, you will have a little less worry and frustration than those that did not.

For those that did not have a home based business and consequently no monthly residual income, it is never too late to start one. You can start one up for relatively little cost, and it will not dig into your new budgeted spending pattern if you start a business where the products would be those that you consume in your household each month (all businesses need to have products or services sold. If not, then they are a scam. Run away from them as fast as you can).

As independent adults that are getting caught in this layoff trap and having less and less security, there is some analyses that may be difficult, but nevertheless need to now take place. For those of us not directly caught (yet), this analysis process would still be good for us to examine as well.

First, hopefully those employees getting laid off have put back some savings. After all, this has happened before, so hopefully there was foresight that something like this could happen again and there was at least some preparation.

Second, take a real hard look at what areas you would be able to trim, immediately if you have to, in order to slow down the cash outflows every month. Look at these areas closely. If you have teenage children, you might want to involve them in the process. Have them help to contribute ideas that will help the family weather this storm. Explain to them that as parents, you will do everything you can to make this a temporary situation and explain to them you appreciate their help and input.

Third, “write down your plans”. This is so important. Set some short term goals that will help you to get through this time. Also make sure to include your “written” finances from step 2 here as well. One technique to use is to sit down and write out where the money is currently being spent now. Keep in mind that most of us don’t have the patience to do this, or are not honest enough with ourselves when we write it down. This is an important enough step that it is worth repeating. Look at the list and decide what, if any, areas you can trim down for the interim period. Don’t look at it as “I can go without this” because this will begin to breed anger, after all, you worked hard for X amount of years and you deserve this (whatever “this” is). And anger will do you, and or your family and friends no good at all. This is not the end of the world and you and your family will survive it. YOU MUST REMEMBER THAT! But if you have the wrong mindset, it will make the process you are getting ready to go through much more difficult than it needs to be.

Once you have it all written down, talk to your spouse, or if a single parent, talk to your children and try and solicit their support in “making those new plans happen”. If the family has goals, and “everyone” in the family participates, this temporary setback will be brief and the family values and relationships will remain intact. If there are no goals, or they are not specific, then everyone does what they think they should do and in reality, nothing gets accomplished except feelings of contempt and frustration for one another.

Keep in mind that this has happened to people and families in the past and it will be experienced by people and families in the future. You may find that your life begins moving in a direction you had not originally intended it to, or the changes that take place in you or your family are changes you would not have thought possible before. That will be ok. Again, the most important thing to remember is that you did just fine up to this point and you will do just fine after this. There is a life after (insert you company name here). Sometimes many believe that a power greater than they are found it necessary to challenge them to learn and experience new situations that will further develop their true selves, or the people they were intended to be. Some will shrug their shoulders and say ok, let’s move on.

Situations have a way of correcting themselves in time, but usually not without some direct input from us. What this means is if we are to have a positive outcome, we need to have positive input. If we experience a negative outcome, then we obviously have input negative actions, feelings and or emotions.

Remember, this is not the worst thing that could have happened. If you were not ready for this one, then get ready for the next one. Seriously examine your spending patterns. Take a hard look at where your money is going. Employ a technique called delayed gratification, meaning wait and save the money for the item, or do what is necessary now in order to have the item or pleasure in the future.

And if you do not have a side business, a home based business, or a part time business, realistically pursue that. There are too many opportunities that are out there for bright people that are hard working in nature, to sit on the sidelines and not be able to participate in the “Great American Dream”.

Business etiquette

Consolidation loans merge all your debts and bills into a single payment. This means, that if you have several monthly payments or a number of different loans, you can make things easier by consolidating them and taking one single loan to pay off the total debt.

If you know what your goals are then there is no way that secured personal loans will not provide with the financial assistance you need. Secured personal loans have forsaken the varied objections against loan borrowers to make that perfect loan actually possible.

A payday loan is lent out till the borrower receives his next paycheque.

A business loan can be secured by all types of UK business property, commercial and residential properties. Business Loans can offer up to 79% LTV (Loan to Valuation) with variable rates, depending on status and length of term.

Consolidation loans allow you to consolidate your monthly payments to several creditors into one, larger monthly payment.

Business Etiquette

Business etiquette is in essence about building relationships with people. In the business world, it is people that influence your success or failure. Etiquette, and in particular business etiquette, is simply a means of maximising your business potential.

If you feel comfortable around someone and vice versa, better communication and mutual trust will develop. This comfort zone is realised through presenting yourself effectively. Business etiquette helps you achieve this.

Business etiquette revolves around two things. Firstly, thoughtful consideration of the interests and feelings of others and secondly, minimising misunderstandings. Both are dependent upon self conduct. Business etiquette polishes this conduct.

Business etiquette varies from region to region and country to country. For the international business person, focusing too deeply on international business etiquette would leave no time for business. However, there are some key pillars upon which good business etiquette is built.

Behaviour

Your manners and attitude will speak volumes about you. They will point to your inner character. If you come across selfish, undisciplined or uncouth your relationship is unlikely to prosper. Appropriate business etiquette promotes positive traits.

Honesty

A reputation for delivering what you say will deliver goes a long way in the business world. Remember, a reputation for integrity is slowly gained but quickly lost. Understanding a particular country’s business etiquette provides a framework in which you can work without fear of crossing boundaries in terms of agreements, promises and contracts.

Secured loans are those loans that use some object of value, which is referred to as collateral, as a guarantee of repayment and a method of offering lower interest rates.

Personal loans are loans taken by people for personal reasons. This might sound as a vague definition of personal loans.

This justifies the higher interest rate charged on them. The loan amount is usually restricted to Ј25,000 because of the absence of any security for the lender.

Your car, home or even a saving bank account can work as collateral.

For the purpose of ease in recognition, we will refer to the first case of instant loans as fast loans and the second class of instant loans as instant loans itself.

Character

Your character refers to what you as an individual bring to the business table. Proper business etiquette allows you to exhibit your positive qualities. For example, knowing when to be passionate and not emotional or self-confident without being arrogant. Just through learning another’s business etiquette you demonstrate an open-mindedness which will earn respect.

Sensitivity

Sensitivity and consideration underlie all good business etiquette. Being prepared for foreign ways and methods and responding thoughtfully is achieved through experience and business etiquette know-how. By avoiding misunderstandings and misinterpretations through business etiquette you lay foundations for a strong business relationship.

Diplomacy

Avoiding thoughtless words and actions protects you from negative consequences. Impulse often leads a business person astray. Business etiquette encourages the careful thought of the interests of others and choosing acceptable forms of expression. Appearance

Dressing appropriately, standing and sitting in the right place at the right time, good posture and looking physically presentable are all elements in making a good impression. Business etiquette teaches you how to suitably present yourself and what to avoid.

Analysing, understanding and implementing the above will help you recognise what business etiquette is and how it should be employed within the business world.

For the international business person business, etiquette acts as a key. It locks the doors of poor communication and misunderstandings and opens doors to successful business relationships.

About The Author

Another of the more common types of loans is auto financing, which is a secured loan that is used to purchase a car, truck, or other vehicle.

Cash advance loan and no fax payday loans are some of the classes of instant loans that are prevalent nowadays. A payday loan is lent out till the borrower receives his next paycheque.

And with secured personal loan browsing can land you with the perfect deal that synchronizes with your financial conditions.

Debt is a hard thing to live with, reduce debts tips Only a few years’ back traditional lenders ruled the UK loan market. The loan process was lengthy and full of hassles. Borrowers had to wait for months to find whether they will be getting the loan or not.

The Federal Direct Unsubsidized Stafford/Ford Loan is a direct loan the government charges you interest while you are in school.

Debt consolidation - a wolf in sheep s clothing

Consumer debt has reached record highs in the United States over the past generation. While previous generations valued savings, the United States has become a consumer society valuing instant gratification over sound financial planning. If it sounds as if I am speaking from experience, I am.

One consequence of this phenomenon is that debt consolidation has become increasingly popular over nearly all sectors of society, particularly the middle class. "Debt consolidation" simply means taking out a single loan to pay off all of your existing debts. This loan may be a bank loan, a second mortgage, a credit card, or any other type of loan. This procedure simplifies repayment, but more importantly it can save the debtor a lot of money if the loan is extended at an interest rate that is lower than the average interest rate of the debtor's current loans.

Opinions are divided on the wisdom of debt consolidation. Some commentators note that the motivation for a debt consolidation loan is simply to allow the debtor to continue spending and borrowing, often leaving the debtor in a worse position that before consolidation. More prudent debtors, however, will use their interest savings to pay off their debts, thus lowering their debt burden while at the same time improving their credit rating. Accordingly, the opinion of this author as to the wisdom of debt consolidation comes down to a simple question: Why are you doing it?

Before taking out a debt consiolidation loan, consider the following:

1. Will the proposed debt consolidation loan allow you to pay significantly lower interest? Do the math and come up with a number. How much money will you be saving?

2. What will you do with the money? At least some of it (preferably all of it) should be earmarked to pay off the debt for which the loan has been taken out.

3. What will you do once your debt burden decreases and your credit improves? Avoidance of debt is like losing weight - quick fixes don't work; permanent lifestyle changes are required.

German vehicles comparison bmw vs. mercedes

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German cars have long been recognized as some of the best engineered and most luxurious cars in the world. Two manufacturers, BMW and Mercedes, rule the roost with offerings from Audi, Porsche, and even Volkswagen getting some attention. Let’s take a look at some current offerings from these Bavarian giants and see how they are impacting the auto industry.

BMW – Give BMW credit for moving outside of the box by building a plant in South Carolina. Opened in 1994, the Spartanburg, SC plant has produced the Z3 – now Z4 – roadster as well as the X5 SAV. Seeking to become more of a world player, BMW has also purchased controlling interest in other automakers including Rolls-Royce and Rover during the 1990s. Later, BMW sold off the Rover and MG portions of Rover, but has kept the Mini brand.

BMW vehicles are well represented in the US. Coupes, sedans, convertibles, roadsters, and SUVs make up the American fleet with new cars at various stages of development being prepared for release.

Mercedes Benz – As part of the Daimler Chrysler fold, Mercedes Benz has been producing high quality automobiles for over a century. In 1998, seeking to expand its reach, Daimler Chrysler [DCX] bought out the Chrysler Corporation. Names such as Chrysler, Dodge, Plymouth, Jeep, and Mopar became part of the DCX fold, although Plymouth was discontinued a few years later.

The Mercedes Benz name is synonymous with luxury vehicles and in the US the company is well represented by a host of sedans, coupes, convertibles, tall wagons, SUVs, roadsters, and other fine vehicles.

Owners of BMWs and Mercedes Benz do have some things in common: vehicle maintenance. As high end vehicles, the automakers are noted for equipping their cars with only the finest OEM parts. Well represented manufacturers used by both companies include: Bosch, Hella, Mahle, Textar, Brembo, Bilstein, Febi, SKF, and others. Most are German born and bred and are recognized the world over for producing the highest quality parts for auto manufacturers.

Replacement auto parts purchased through dealer parts departments are priced at a premium. When you take into consideration any tariffs, import fees, and third party mark ups, consumers can expect to pay a mint for each part. The growing internet wholesale market has been changing the paradigm lately as companies such as Car Parts Stuff are selling direct to consumers. The better online wholesalers have lowered costs significantly as overhead is low and they buy direct from leading manufacturers. This translates into real savings for you, the consumer.

When purchasing any parts for your luxury car, always determine that the parts you order meet or exceed OEM specifications. There are a lot of counterfeit parts on the market; shop wisely and you will get premium parts at low prices.

Are we underestimating what we spend on credit cards

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An investigation organized by Egg says consumers have greatly underestimated the amount that credit cards are used throughout the United Kingdom, what this means is consumers are spending a lot more than they think. The investigation revealed that when consumers thought they had spent was Ј236billion was in fact Ј437 billion, some difference!

How come there is such a big difference?

Well most of us usually pay for everything with the plastic card and find it hard to keep track of what we spend.

Most people have more than one credit card and a lot of them transfer their balances from time to time to get the best interest rate, so when you are working with two or more credit cards it’s easy to miscalculate how much you’re spending, and with so many different payment options for you to choose from you can see how there can be such a difference in what we spend, over Ј200billion! scary or what?

Another question you have to ask is, if we do not know what is in our accounts how do we know we are not getting ripped off?

Six out of ten consumers didn’t know how much was in their accounts so money could be taken out and they would have no idea. Mind you some would say (not me you understand) if you don’t keep track of your money you deserve to have it pinched.

The British Bankers Association revealed that by the end of September, credit cards sales had fallen for the last two months indicating that consumers are being careful, but with Christmas around the corner I am sure the credit card sales will be up and we will have another bumper spending spree with the plastic cards.

So the question was, are we underestimating what we are spending? well the facts definitely say yes!

So what should we do about it well keep a tighter grip on your accounts, double check what’s coming in and out and make sure everything balances at the end of the month.

good luck!

How to use pueraria mirifica for women health

Do you feel that you will learn enough from this article to help you out with the subject matter at hand?

Pueraria mirifica has long been traditionally equipped in the form of pills for oral intake. Currently, the dried pueraria mirifica roots are thinly ground, sometimes mixed with other medical plants, packed in capsules and marketed as food supplement; however, for some distributors, the pueraria mirifica capsules are equipped from the ransack extract. The formulation that includes ingredient slant and satisfied of each ingredient varies from one supplier to another.

Pueraria mirifica in the form of wring has been introduces numerous years. With modern technology, the wring from dried pueraria mirifica roots is standardized and equipped in the form of powder and solution. The wring solution is worn in the aesthetic industry such as, preparation of pueraria mirifica breast cream, eye gel and skin moisturizer. The wring powder is worn as a food supplement likewise to the traditional method, but the artifact has more uniformity due to the plus of standardization.

When pueraria mirifica is full as a food supplement, its phytoestrogen constituents will naturaly alleviate symptoms occuring as a product of the aging process and a deficiency in estrogen levels, e. g.,sagging breasts, creased skin, bone loss, older hair, etc. These aging cipher and symptoms will, to a sertain extent, be reversed.

We have had a lot of fun during the first portion of this article and hopefully you feel as though you have a firm grasp on the topic.

When pueraria mirifica practical topically to the skin, pueraria mirifica will be beneficial to that part of the body. Topical uses of pueraria mirifica have been know to include

Pueraria mirifica Breast cream, serum, spray and breast mask to enhance, fixed and enlarge breast.

Eye gel to degrade lines and wrinkles around the eyes and postpone their coming appearance.

Body gel, day & night cream to degrade wrinkles on practical area

Various forms and preparations of pueraria mirifica should provide an useful and inexpensive alternative to women who hope to take charge of their own health and to enhance their beauty or employ pueraria mirifica for many aesthetic purposes.

With the observe to the shelter and worth of dermal preparations of pueraria mirifica extract, ensign toxicity trial test were performed and no toxicity was observed.

Pueraria mirifica goods should not be worn when

Pregnant women or nurture mothers Women who are diagnosted with tumors in estrogen sensitive organs, e. g., ovary, uterus, breast.

In closing, it will benefit you to seek out other resources on this topic if you feel that you dont yet have a firm understanding of the subject matter. pueraria-mirifica. biz/

Acupressure - is more than just massaging

Acupressure is one the oldest Chinese traditions used to cure many of our health problems. It involves use of pressure by your hand, elbow and other means. This form of healing has been in existence for more than 5,000 years. A technique recommended by many and has been used world over. It is a simple method if you know how to do it. Acupuncture is another practice wherein needles are used on the pressure points to cure ailments.

How does Acupressure work?

Acupressure is a plain and simple science which has helped many people. Our body has many different pressure points. By applying pressure on these points, it energizes the necessary organs, which leads to healing of the ailing body. The idea behind acupressure is harmony of mind and soul. The relief it provides by the simple touch and pressure can be turn around in their life.

It helps in resurfacing the lost and blocked energy in the curvatures of your body. There is a belief that our body gets charged by the 'Qi' pronounced as 'Chi'. The energy moves along the surfaces of our bodies known as 'meridians'. Applying pressure does all trick sending energy to places where it has been stuck for a very long time.

Two common ways of doing acupressure are the 'Shiatsu' and the 'Jin Sin'. Shiatsu is the common therapy which uses immense pressure, whereas Jin Shin is the gentler form of acupressure that uses soft touch and gentle strokes. Irrespective of the techniques of acupressure, the basic aim is to create a relaxed atmosphere.

Benefits of Acupressure

It is a very easy process and can be learnt without much difficulty. The best way to learn acupressure is to try it on oneself. Some of the common benefits which acupressure provides us are:

1. Relaxes your mind and body

2. Increases blood circulation

3. Relieves from stress related problems like fatigue, insomnia

4. Heals injuries

5. Helps with Menopause and PMS

6. Helps in relieving joint aches and pains

7. Acts as a first aid in case of injury

8. Builts in vigor

9. Reduces labor pain

10. Cures common illnesses like cold, sinusitis, migraine

11. Relaxes the muscular tension

12. Helps in improving muscle strength and tone

Precautions

- Learn acupressure from a thorough professional

- While practicing on yourself, have someone around you

- Avoid open wounds, surgery, broken bone, skin infection and other problems

- Prevent specific pressure points during pregnancy

- Avoid acupressure on full stomach

- Avoid cold drinks especially during winter

- Wear comfortable clothes

- Do acupressure for a limited period of time do not overdo it

Why do you want to start a business

Think about this. What are the reasons you want to start a business?

1. Are you tired of getting nowhere in your present profession? Do you find this really discouraging?

2. Are you looking for a chance to accumulate real wealth?

3. Maybe it’s the tax advantages that you could have from your own business. These tax advantages can add up quickly.

4. Or it could be a dream that you have had for a long time and its now time to get your business started.

Whatever the reason, you need to take a good hard look at what you want to do.

Owning a business has its rewards but it takes a lot of work, but this work is a satisfying work. Why? Because it is YOUR business, no one to report to but yourself and all the important fringe benefits (vacations, cars, retirement etc.) when you succeed in your business. Satisfying work is often so much more beneficial than working at a job that you are not very interested in, not to mention being able to work for yourself instead of for someone else.

Maybe you have the “drive”, meaning you are tired of working for someone else and have the desire to succeed in your own business. The “drive” also means that even if you fail once or twice you get right back up, learn from your mistakes and try again. People with the “drive” usually end up succeeding in one or more businesses. So do you have the “drive”? If you do, first keep this in mind, it’s better to learn from other peoples mistakes instead of making your own. Study what others have done successfully.

Do you have what it takes to be a business owner or entrepreneur?

Ask yourself this, am I an entrepreneur? Am I an individual that will innovate within business frameworks and will I take risks for the sake of potential profits? If you will, then you are an entrepreneur, congratulations the first step in owning a business.

That was only the first step to think about. Also consider some of these questions to help you decide if you want to start a business.

1. Do you know where to look for help?

2. Do you know where to get sources of capital?

3. Do you have a business plan?

4. Can you manage your time?

5. Can you develop a marketing plan?

6. Do you know how to advertise and where to advertise?

7. Can you keep a budget?

8. Can you stay consistent and persistent?

9. Do you think you know it all? Think again!

These are just a few questions of many you need to ask yourself if you want to start a business. However, don’t let these questions bother you if you had answered no to any of them. Answering no is not a reason not to start a business, you just need to look at your strengths and weaknesses and start learning what you need to do to improve yourself.

So why do you want to start a business? I’ll leave that answer up to you!

Mobility scooter range

One of the key issues when looking for a mobility scooter is the range or distance that you will be able to use scooter before the need to recharge. The range is generally given by the manufacture in miles e. g. up to 10 miles. If you are buying the mobility scooter to make a specific journey e. g. from your home to a local town, you must ensure that the scooter you purchase has an adequate range to complete the journey. We often receive feedback on our blogs and forums from customers who have purchased scooters which were not suitable for there intended regular journey in terms of range and ride quality. This is generally the case when a decision has been made purely on price. For example if you intend to complete long journeys, a small 3 wheel portable scooter may simply not be up to the job in terms of providing a comfortable ride and sufficient range. In this case a larger (and more expensive) 4 wheel, 4mph rated machine may be a better prospect. Ride quality is especially important should you suffer from a medical condition such as back pain or arthritis.

When taking delivery of a new scooter it is essential to test the range of the scooter by building up steadily before submitting the scooter to its full range. This will avoid getting stranded with a mobility scooter with no charge, which can cause major issues as a scooter is very difficult to move once discharged. Take the scooter out on small trips and gain confidence in the scooters range and you own abilities before embarking on a long trip. This process will help you check the scooter is performing correctly after its first charging cycle. This process is especially important if the machine is 2nd hand as the actual range may be well below the manufactures rating as batteries can become less efficient as they get older.

Debt kills

Once I overheard a man saying “debt kills”, but then I realized that debt does not kill a man once and for all, but it slays him everyday and every time. Even though nowadays there’s considerable awareness about debt, people are still becoming a prey to this monster. Knowingly and unknowingly they get tangled in this knot, where liberation becomes next to impossible.

Reports confirm that individuals spend their fun-filled years of their life by just paying their school and college debts.

But then you just can’t bring this debt system to a halt because, there are times when these debts prove to be really handy.

So we have to let the debts survive, in such a way that it does not hinder our growth.

We can divide people categorically, where one category lives, not to live but to save. People tend on saving and thus they miss all the enjoyments and comfort in their life, but this lucky set will not get themselves into debt. The next category of people are called as the “achievers” and these people strive to establish themselves and in the process they get in to debts, but the achiever never slows down he works hard and pays his debts, and after paying all his debts only he will realize that he lost all his valuable years only for his future gratification. The final category are called the lavish spenders, these people become an ideal prey to debt. They spend easily by swiping their plastic cards and in the end they are left only with dismay. Analyze yourself to identify your personal character and the category you belong.

Now the million dollar question is “how are we going to overcome our debts?”, once you find yourself in debt it is better to stop overspending. Do not pile up all your responsibilities just because it is bitter, some day you have to face it, why not today? So start planning your finances wisely, if possible get help from a knowledgeable person. When ever you feel tempted to buy something (which is not really necessary!) just think of the black days you have to face in debts. This small remainder will impede you, from buying.

Life after debt!

We have no aim of frightening you, but the fact is that life after debt would be very different. There are many who become frustrated, as they have spent most of their years in the prison called debt. Debts are very capable of swallowing our happy lives and thus make us live as a corpse.

So really try to understand the negative aspects of debts, before you take up loans. And never postpone your payments; this is the first step that leads to debts. Apart from monetary obscurity, debtors have to face a lot social tribulations.

Sometimes people may find themselves in debts due to unavoidable situations, like divorce, death of the bread wining member in the family etc. do not fret, try hard and overcome the debt through your hard work.

Now if you realize that you are in debt, it is not too late, start planning now and try to defeat your debts. If faith can move mountains then surely faith and determinedness would dissolve your debts.