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Pay day loan.
Hmmm…! The dead line of paying the installment of a credit card is coming near. And still didn’t get your pay. Well laugh your worries away. The payday loan will help you to pay on time. After you get your salary you can pay off your payday loan, but don’t make it a habit? For short-term loan this is the best sort of loan you can go for.
Home loan.
Everyone either he is a prince or a commoner want to own a home of his own, in old days people use to work whole their lives to buy their own house. But in this struggle the best boom period of life flies away. Now enjoy your life to the fullest, get a home loan and build the house of your dreams and live in it like a king. You can buy, build or renovate a house by acquiring various types of loans that suits you the most. There are mostly three kinds of it:
• You already own a house and want to renovate it. You can get a loan for renovating your house by putting your house for collateral security to the bank for the loan.
• Secondly you have a plot and want to build your house on it. Then again the place will be the collateral security and you’ll be provided loan to build the structure of the house on it.
• The third type is that you neither have a house nor a plot and you want to buy a house in that case you will get the loan to build your house but the house will be on bank’s name till you pay the loan fully.
Else than this there are different rules and flexibilities for diverse home loans. Like:
• The mark-up rate will vary for a salaried person or a businessman. It can start from 11% for a salaried person and 12% for a businessman though different banks and other companies may differ from this rate.
• For construction, purchase & balance transfer you can have 3 to 20 years times to pay back the loan.
• For renovation it can be from 2-20 years.
• For home purchase you can get the amount of loan that can vary from - 0.5M to 20M.
• Whereas for home renovation approximate loan can be form - 0.5M to 7M.
• For home construction you can get up to - 0.5M to 10M.
This could be the approximate loan to value ratio you can get for these different home loans.
• For Home Purchase -
80:20 for salaried employees, businessmen and self-employed professionals who maybe in the business for five years and 75:25 for businessmen and self-employed professionals who can be in the business for last 3 Years.
• For Home Construction -
70:30 for salaried employees, 70:30 for businessmen and self-employed professionals who maybe doing business for last five years and 65:35 for businessmen and self-employed professionals who are in the business for last three years.
• For Home Equity-
70:30 for salaried employees, 70:30 for businessmen and self-employed professionals who can be in the business for last five years and 65:35 for businessmen and self-employed professionals who are in the business for last three years.
• For Balance Transfer Facility - 80:20.
Car loan.
Car is not luxury anymore it’s a necessity; you are handicap without a car. If you cannot afford a car with your salary and trying desperately to save some money for buying a car but unfortunately every month something new comes up to eat up all your savings then get a car loan and make your life easy and you can use your savings in paying the installment of your loan every month. For car loans the rules are almost same as house loans. The payment will vary with the difference of new or used car, car model or price.
Bad credit car loan.
Happy news for the bad credit raters, now you can also enjoy the pleasure of shopping the way you want; there is high competition in those who are ready to give loan to those who have bad credit rating for car and even for house. Or if you are doing a business you can still get a loan. Actually roughly all sorts of loans are open to bad credit rater now. Though they’ll charge more interest rate and other charges but still you have a facility of loan to enjoy.
Student loan.
Learning is a weapon no one can steal. Education is of no comparison with anything, I think it’s a must get thing for everyone. But sometimes due to monitory resources one has to discontinue his or her education but now you can freely get education as much as you want, you just have to get a loan and study to your fill. Student loans for the benefit of students are on quite competitive rates and are much more flexible than other loans to provide maximum chance to a student to be carefree and get education as easily as possible.
Business loan.
Doesn’t matter how much good salary you are taking? A business (of course here I am talking about your own business) is a blessing. There is no tension of getting deadlines from your boss. No pressing for reaching office at so and so time. And there are definitely more chances of growth. Now if you want to start a business or re-establish it on a small platform or on a bigger level there are all different sorts of loans to benefit you in your goal. Your business may have helped you construct your home, now your home can assist you build your business. A business loan is normally against Residential Property. It is an evergreen credit line that the customer can use for his/her business expansion.
• Business loan can be for business expansion.
• Or for staring a new business.
• You can get loan for a small business set-up as well as fro a bigger business project.
• Business loan offers you the facility of availing a financing up to 70 % of your property value. So that now you can have a chance to avail a higher amount against your assets, you can plan your growth and expansion exactly the way you want to.
• There is another kind of loan you can get for business purpose, you can give a business plan to a bank and make the bank a sort of business partner. In this way you are saved the worry of putting your house or any other asset as collateral. This type of loan is very useful for heavy industry.
Personal loan.
We all dream, but there are few who dare to put the power gear of their life to make their dreams come true. It’s much easier to fulfill your most dear fantasies now with the prospect of personal loan. The most interesting part in going for personal loan is you'll be not asked the reason for getting loan.
• Personal installment loan is extremely flexible. You can borrow any amount ranging from 50,000 to 500,000 for 12, 18, 24, 30, 36, 42, 48, 54 and 60 months. Whatever suits you! Isn’t awesome, what else you need for a good start? Although there can be pre-payment penalty if you desire to pay the loan before the agreed tenure.
Other Loans.
Besides these chief and main objects there are other prospects for which you can get loan. Those may not be as important for all but you can still avail the chance to do other things with loan like if you desire to redecorate your house but you are short of money for that you can get branded or non branded furniture of your choice besides this you can also buy other home appliances on installment.
So now you can see how many options are open for you to make your next move. You can easily choose to do what suits you the most. Loans are almost for everything you are thinking of doing in your life. Due to high competition in market the rates are also quite flexible and in addition you are allowed to choose from a lot of flexibilities to relax you for paying back any loan. From a business to petty thing for your personal use you can get loan.
For more information about Loans
visit: http://www.loansmagician.com
Tuesday, February 2, 2010
Power of Emotions
The Unstoppable Power of Your Emotions
In tapping into your natural genius, there are many aspects of “genius” to consider. Probably the least understood expression of the human mind is our emotional intelligence.
An emotion is the end result of a feeling. And although it’s easy enough to recognize when you’re “feeling” something – it often less clear just what a “feeling” really is.
According to Webster’s Dictionary, a feeling is “a partly mental, partly physical, response marked by pleasure, pain, attraction, or repulsion.”
But this says nothing about the response to the feeling!
Suppose two different men buy a used car. They then both have a similar experience -- the muffler falls off two days later.
Both men obviously “feel” upset.
One expresses that feeling as an intense emotion -- an outbreak of anger and rage. The other man also expresses his feeling as an intense emotion – an iron determination to resolve the problem with the car dealer.
What are Emotions?
So what are “emotions?”
Emotions are how you *respond* to a feeling of pain, pleasure, attraction or repulsion.
Basically your emotions are physiologically-based responses to your feelings. But these physiological responses are NOT the same from one person to the next. Your emotional responses are actually as unique as your fingerprints!
Emotional responses vary from one person to the next because they are actually *learned responses.*
No man comes into life feeling internal rage if someone notices his unusually large nose. His rage may well date back to age seven when he first entered school – and was teased beyond his capacity to endure!
But perhaps he was small for his age. The “feeling” of rage was there, but his safest emotional expression was to seem indifferent. As an adult, this may evolve into a “biting sarcasm” toward anyone seen as a potential emotional threat!
So you can see -- it’s in the learned *responses* to our feelings that people differ.
How Emotions Impact Your Success
Most of today’s psychologists and success mentors are convinced that one’s “emotional intelligence,” or EQ, is a far better predictor of life success than one’s “rational intelligence,” or IQ.
We’ve all known really bright folks who aren’t living up to their potential. This is not to make them wrong! It’s just that success is not their “passion.”
But how many “passionate” people do you know who aren’t living up to their potential – or at least stretching out toward it?
“So what do I really mean by passion?” you ask.
In terms of life success -- passion is an *intense* emotion directed at achieving something that is either desired, or unwanted. For example: A passionate desire to escape poverty – or a passionate desire to achieve financial independence.
Note that the goal to “escape” poverty, and the goal to attain “financial independence,” both seem to be directed at the same end result.
But are they truly the same?
How the “Law of Attraction” Works
Both neuroscientists and behavioral scientists have clearly demonstrated that when you have a strong emotion about something -- you physically strengthen the neural pathways dedicated to that “thing.”
This is likely the neurological basis of what metaphysical writers have for ages referred to as “the Law of Attraction.”
The modern scientific version of this ancient law may be stated: You “attract” what you intensely focus your emotion on -- as in doing so, you build strong neural networks directly related to that something.
Here’s a sample scenario. Suppose you’re buying a Ford Pinto automobile. You select what you feel is the most exciting and unique color for the Pinto – deep red. But when you hit the road with your new red Pinto, you suddenly see one after another of the exact same model – also red.
You’d never before noticed that red is actually the most common color for the Ford Pinto!
What happened is that your new red Pinto has created a dynamic neural awareness. Your neurons have been sensitized to notice similar cars because of your excitement (intense emotion) about *your* new car!
Did you “attract” these red cars?
Most likely not! But you certainly are now very aware of their presence.
The Power of Positive Emotions
Back to our comparison of the goal to “escape” poverty – vs the goal to attain “financial independence.”
Although both goals look toward the same end result -- they deal with quite different emotions. The desire to escape poverty is fueled by fear, while the desire to attain financial freedom is fueled by positive attraction.
While both could possibly take you to the same end goal – the “Law of Attraction” predicts quite a different experience along the path leading toward the goal.
If you build neural pathways based on doubt and fear, you will sensitize yourself to events or conditions that might relate to your fears and self-doubt.
What if you instead build neural pathways based on strong feelings of self-confidence and anticipation?
You will then find yourself recognizing opportunities leading to your goal -- just as you suddenly noticed all those red Pintos.
What you focus intense emotion upon tends to “attract your attention” to more of the same. This law is neither negative nor positive. It just is!
By far the best way to approach your life goals is with positive, passionate desire. Discover your passion – what you *really* want – and pour your emotions into your pursuit!
Focus your emotions on a problem and give into your fears, and what you fear gains actual neural strength. Focus your emotions on achieving a positive goal in your life, and it will gain strength. Period!
By Dr Jill Ammon-Wexler
Pioneer Brain/Mind Researcher
http://www.quantum-self.com
In tapping into your natural genius, there are many aspects of “genius” to consider. Probably the least understood expression of the human mind is our emotional intelligence.
An emotion is the end result of a feeling. And although it’s easy enough to recognize when you’re “feeling” something – it often less clear just what a “feeling” really is.
According to Webster’s Dictionary, a feeling is “a partly mental, partly physical, response marked by pleasure, pain, attraction, or repulsion.”
But this says nothing about the response to the feeling!
Suppose two different men buy a used car. They then both have a similar experience -- the muffler falls off two days later.
Both men obviously “feel” upset.
One expresses that feeling as an intense emotion -- an outbreak of anger and rage. The other man also expresses his feeling as an intense emotion – an iron determination to resolve the problem with the car dealer.
What are Emotions?
So what are “emotions?”
Emotions are how you *respond* to a feeling of pain, pleasure, attraction or repulsion.
Basically your emotions are physiologically-based responses to your feelings. But these physiological responses are NOT the same from one person to the next. Your emotional responses are actually as unique as your fingerprints!
Emotional responses vary from one person to the next because they are actually *learned responses.*
No man comes into life feeling internal rage if someone notices his unusually large nose. His rage may well date back to age seven when he first entered school – and was teased beyond his capacity to endure!
But perhaps he was small for his age. The “feeling” of rage was there, but his safest emotional expression was to seem indifferent. As an adult, this may evolve into a “biting sarcasm” toward anyone seen as a potential emotional threat!
So you can see -- it’s in the learned *responses* to our feelings that people differ.
How Emotions Impact Your Success
Most of today’s psychologists and success mentors are convinced that one’s “emotional intelligence,” or EQ, is a far better predictor of life success than one’s “rational intelligence,” or IQ.
We’ve all known really bright folks who aren’t living up to their potential. This is not to make them wrong! It’s just that success is not their “passion.”
But how many “passionate” people do you know who aren’t living up to their potential – or at least stretching out toward it?
“So what do I really mean by passion?” you ask.
In terms of life success -- passion is an *intense* emotion directed at achieving something that is either desired, or unwanted. For example: A passionate desire to escape poverty – or a passionate desire to achieve financial independence.
Note that the goal to “escape” poverty, and the goal to attain “financial independence,” both seem to be directed at the same end result.
But are they truly the same?
How the “Law of Attraction” Works
Both neuroscientists and behavioral scientists have clearly demonstrated that when you have a strong emotion about something -- you physically strengthen the neural pathways dedicated to that “thing.”
This is likely the neurological basis of what metaphysical writers have for ages referred to as “the Law of Attraction.”
The modern scientific version of this ancient law may be stated: You “attract” what you intensely focus your emotion on -- as in doing so, you build strong neural networks directly related to that something.
Here’s a sample scenario. Suppose you’re buying a Ford Pinto automobile. You select what you feel is the most exciting and unique color for the Pinto – deep red. But when you hit the road with your new red Pinto, you suddenly see one after another of the exact same model – also red.
You’d never before noticed that red is actually the most common color for the Ford Pinto!
What happened is that your new red Pinto has created a dynamic neural awareness. Your neurons have been sensitized to notice similar cars because of your excitement (intense emotion) about *your* new car!
Did you “attract” these red cars?
Most likely not! But you certainly are now very aware of their presence.
The Power of Positive Emotions
Back to our comparison of the goal to “escape” poverty – vs the goal to attain “financial independence.”
Although both goals look toward the same end result -- they deal with quite different emotions. The desire to escape poverty is fueled by fear, while the desire to attain financial freedom is fueled by positive attraction.
While both could possibly take you to the same end goal – the “Law of Attraction” predicts quite a different experience along the path leading toward the goal.
If you build neural pathways based on doubt and fear, you will sensitize yourself to events or conditions that might relate to your fears and self-doubt.
What if you instead build neural pathways based on strong feelings of self-confidence and anticipation?
You will then find yourself recognizing opportunities leading to your goal -- just as you suddenly noticed all those red Pintos.
What you focus intense emotion upon tends to “attract your attention” to more of the same. This law is neither negative nor positive. It just is!
By far the best way to approach your life goals is with positive, passionate desire. Discover your passion – what you *really* want – and pour your emotions into your pursuit!
Focus your emotions on a problem and give into your fears, and what you fear gains actual neural strength. Focus your emotions on achieving a positive goal in your life, and it will gain strength. Period!
By Dr Jill Ammon-Wexler
Pioneer Brain/Mind Researcher
http://www.quantum-self.com
Personal Success Plan
Your 12 Point Plan for Personal Success
No one becomes successful by accident. Success requires making a plan and sticking to it. It is simple, but does require commitment; it is not hard to do, but does require hard work. The good news is that once you begin, the results start coming almost instantly. The miracle of successful living is that the smallest step towards success attracts more success! Here is a very brief outline of the key points that will help you achieve the highest levels of success.
1. Look into the nearest mirror - the person staring back at you is the only person responsible for your success. Smile! No one else is the cause of your success or to blame for your short comings. Successful people take full responsibility for their actions.
2. Smile back at your reflection. Successful people are cheerful, optimistic, and forward thinking. If you think you don't have anything to smile about, smile anyway. Positive thoughts drive out negative thoughts. It's hard to have a negative thought while you are smiling!
3. Positive self-esteem is the foundation for success. Feel good about yourself and your abilities, achievements and potential. Don't dwell on your mistakes. Remind and praise yourself on your past accomplishments. Congratulate yourself for taking positive steps toward a more successful future.
4. Believe in yourself. You are here for a purpose. God doesn't make extras just to fill in the scenery. Find your mission and begin working to fulfill it.
5. Desire to be a success. Decide right now that you will be successful. Commit to being successful.
6. Associate with successful people. Do what they do. When faced with choices, make the choice a successful person would make. Blow your bonus check on a gambling trip or invest it?
7. Avoid unsuccessful people. Do not under any circumstances associate with negative people. Negative people are toxic; they destroy, they do not build. They are vampires that can live only by draining the life from others. The odds are greater that they will pull you down faster than you can lift them up. You can choose to stay away from all the negative people in your life. Avoid all the whiners, complainers, blamers and thumbsuckers.
8. Do what you are best at and what you get the most satisfaction from. There is no reason to stay stuck doing things that are frustrating, boring, unhealthy, unproductive, demeaning or unfulfilling.
9. Write down a vision of how you want to live your life. Be specific. Where you want to live, what kind of carpet, who your friends are, the pony's name, what the new church rec hall you donated looks like, etc. Make a Future Scrapbook; paste in pictures, drawings, essays, clippings. Make up news headlines about your achievements. Every day visualize yourself as you would like to be - and then act that way!
10. Write down your biggest goal, the one you most want to fulfill. Write it in the present tense, "I am...", "I have...", "I contribute...". Success is the result of a personal decision, so start your goal with "I". Read your goal aloud every morning and night. Tell people your goal. Make a plan to achieve your goal and stick to it.
11. Study the science of success. Read books, listen to tapes, watch videos and positive TV programming. Talk to successful people and ask them how they became successful. Fill your mind with positive thoughts and give yourself positive self-affirmations.
12. Every day do something that brings you closer to your goal. Never give up. You can only fail if you quit trying. Keep on keeping on and you will succeed. Achieving success requires following a system. Begin today by putting these 12 points into daily practice.
Everybody experiences fear of failure, uncertainty, insecurity, low self-esteem, indecision, depression, nervousness and embarrassment. Successful people master these temporary conditions by taking positive action, by sticking to their plan, by maintaining their vision of the future, by learning from setbacks and by rededicating themselves to the pursuit of their mission. By following these simple steps you will become successful and achieve all that you desire.
original story by Stephan Iscoe 1998.
A successful consultant and trainer in Ann Arbor, Michigan.
Visit http://LinktoSuccess.com
No one becomes successful by accident. Success requires making a plan and sticking to it. It is simple, but does require commitment; it is not hard to do, but does require hard work. The good news is that once you begin, the results start coming almost instantly. The miracle of successful living is that the smallest step towards success attracts more success! Here is a very brief outline of the key points that will help you achieve the highest levels of success.
1. Look into the nearest mirror - the person staring back at you is the only person responsible for your success. Smile! No one else is the cause of your success or to blame for your short comings. Successful people take full responsibility for their actions.
2. Smile back at your reflection. Successful people are cheerful, optimistic, and forward thinking. If you think you don't have anything to smile about, smile anyway. Positive thoughts drive out negative thoughts. It's hard to have a negative thought while you are smiling!
3. Positive self-esteem is the foundation for success. Feel good about yourself and your abilities, achievements and potential. Don't dwell on your mistakes. Remind and praise yourself on your past accomplishments. Congratulate yourself for taking positive steps toward a more successful future.
4. Believe in yourself. You are here for a purpose. God doesn't make extras just to fill in the scenery. Find your mission and begin working to fulfill it.
5. Desire to be a success. Decide right now that you will be successful. Commit to being successful.
6. Associate with successful people. Do what they do. When faced with choices, make the choice a successful person would make. Blow your bonus check on a gambling trip or invest it?
7. Avoid unsuccessful people. Do not under any circumstances associate with negative people. Negative people are toxic; they destroy, they do not build. They are vampires that can live only by draining the life from others. The odds are greater that they will pull you down faster than you can lift them up. You can choose to stay away from all the negative people in your life. Avoid all the whiners, complainers, blamers and thumbsuckers.
8. Do what you are best at and what you get the most satisfaction from. There is no reason to stay stuck doing things that are frustrating, boring, unhealthy, unproductive, demeaning or unfulfilling.
9. Write down a vision of how you want to live your life. Be specific. Where you want to live, what kind of carpet, who your friends are, the pony's name, what the new church rec hall you donated looks like, etc. Make a Future Scrapbook; paste in pictures, drawings, essays, clippings. Make up news headlines about your achievements. Every day visualize yourself as you would like to be - and then act that way!
10. Write down your biggest goal, the one you most want to fulfill. Write it in the present tense, "I am...", "I have...", "I contribute...". Success is the result of a personal decision, so start your goal with "I". Read your goal aloud every morning and night. Tell people your goal. Make a plan to achieve your goal and stick to it.
11. Study the science of success. Read books, listen to tapes, watch videos and positive TV programming. Talk to successful people and ask them how they became successful. Fill your mind with positive thoughts and give yourself positive self-affirmations.
12. Every day do something that brings you closer to your goal. Never give up. You can only fail if you quit trying. Keep on keeping on and you will succeed. Achieving success requires following a system. Begin today by putting these 12 points into daily practice.
Everybody experiences fear of failure, uncertainty, insecurity, low self-esteem, indecision, depression, nervousness and embarrassment. Successful people master these temporary conditions by taking positive action, by sticking to their plan, by maintaining their vision of the future, by learning from setbacks and by rededicating themselves to the pursuit of their mission. By following these simple steps you will become successful and achieve all that you desire.
original story by Stephan Iscoe 1998.
A successful consultant and trainer in Ann Arbor, Michigan.
Visit http://LinktoSuccess.com
Identify What’s Most Important and Honor It
After 10 years of working in the hotel industry as a sales professional, I woke up one morning and wondered what my life would stand for when it was over. As Director of Sales for a really great hotel in downtown San Francisco, I was relatively happy - but something was missing.
I had the opportunity to sit in a seminar offered by my company for its managers entitled "Value Based Leadership". In this seminar, we were asked to identify our values and goals; make sure they are in alignment with each other and then act upon them. I had done this type of work on many occasions and am always happy to take a moment out of my busy life to re-assess where I am in my growth process.
I was quite surprised however, to find that when I turned the page to the chart where we were to list our goals, I listed the following as Goal #1: Improve my quality of life. Make more money, get a better job, build a nicer home, secure the perfect life partner, etc. had always been the types of goals that I had listed in these exercises previously. It was clear these things were no longer going to be my panacea – they were just a means to an end.
I tossed and turned all night after the seminar and then went to work the next morning in a bad mood. I was lethargic, depressed and in general a grouch. I called my staff into my office about 9am to let them know that I was in a bad mood and to please bear with me. I made it clear though that it had nothing to do with them – they were doing a great job and to keep up the good work. For another hour I sat at my desk, stared at the wall and shuffled papers - have you ever done that?
Exactly one hour later at 10am, I sat straight up in my chair and the words came out of my mouth, "It’s Over!" I got on the phone and called my best friend in Nashville and said, "I want to come home and I want to come home now!" He said, "Then pack your bags". I hung up from him, walked into my General Managers office and resigned. I haven’t looked back since.
I have always wanted to pursue my dream to build a career for myself in personal development training. So I left San Francisco, moved back to Nashville and started my own training and development firm. Walking through the fear has been a certain challenge, but one filled with great joy and happiness.
Balancing my personal and professional life has been no easy task. Managing the demands of family, work and friends seems to be never ending. It was clear that when I took the time to identify what was most important in my life (improving my quality of life) …I had to honor it, lift it up and validate it! If you are like I am, I had to get back to basics and break it down into three easy steps:
1. Who am I?
2. What do I want my life to stand for?
3. How do I get there?
When I honestly asked these questions and walked through the fear of the potential answers, I began the process of breaking down the barriers that have kept me at unrest in my life. Balance can provide the respite most of us seek. As with any principle though, one of the most powerful witnesses of its reality is the consequence of living with its opposite – imbalance. One of the definitions for balance in the Webster’s New World Dictionary is "equality of debits and credits…" When I find myself focusing on sure and strong credits (honoring) of the important things in my life, I always find the inner peace and balance that I continue to search for.
Several years ago I heard Stephen Covey say in one of his Seven Habits workshops, "I have never met a man who on his deathbed said, "I should have spent more time at the office." I knew then that my life had to be about more than my checking account balance or the title on my business card. A dear friend once said "Meaningful work brings balance into ones life." Improving my quality of life begins by sharing with others the things I do that result in peace and joy. With that in mind, do YOU know what is most important in your life and do YOU honor it?
original story by Rick Weaver
Chief Inspiration Officer
Lifeteacher.com
I had the opportunity to sit in a seminar offered by my company for its managers entitled "Value Based Leadership". In this seminar, we were asked to identify our values and goals; make sure they are in alignment with each other and then act upon them. I had done this type of work on many occasions and am always happy to take a moment out of my busy life to re-assess where I am in my growth process.
I was quite surprised however, to find that when I turned the page to the chart where we were to list our goals, I listed the following as Goal #1: Improve my quality of life. Make more money, get a better job, build a nicer home, secure the perfect life partner, etc. had always been the types of goals that I had listed in these exercises previously. It was clear these things were no longer going to be my panacea – they were just a means to an end.
I tossed and turned all night after the seminar and then went to work the next morning in a bad mood. I was lethargic, depressed and in general a grouch. I called my staff into my office about 9am to let them know that I was in a bad mood and to please bear with me. I made it clear though that it had nothing to do with them – they were doing a great job and to keep up the good work. For another hour I sat at my desk, stared at the wall and shuffled papers - have you ever done that?
Exactly one hour later at 10am, I sat straight up in my chair and the words came out of my mouth, "It’s Over!" I got on the phone and called my best friend in Nashville and said, "I want to come home and I want to come home now!" He said, "Then pack your bags". I hung up from him, walked into my General Managers office and resigned. I haven’t looked back since.
I have always wanted to pursue my dream to build a career for myself in personal development training. So I left San Francisco, moved back to Nashville and started my own training and development firm. Walking through the fear has been a certain challenge, but one filled with great joy and happiness.
Balancing my personal and professional life has been no easy task. Managing the demands of family, work and friends seems to be never ending. It was clear that when I took the time to identify what was most important in my life (improving my quality of life) …I had to honor it, lift it up and validate it! If you are like I am, I had to get back to basics and break it down into three easy steps:
1. Who am I?
2. What do I want my life to stand for?
3. How do I get there?
When I honestly asked these questions and walked through the fear of the potential answers, I began the process of breaking down the barriers that have kept me at unrest in my life. Balance can provide the respite most of us seek. As with any principle though, one of the most powerful witnesses of its reality is the consequence of living with its opposite – imbalance. One of the definitions for balance in the Webster’s New World Dictionary is "equality of debits and credits…" When I find myself focusing on sure and strong credits (honoring) of the important things in my life, I always find the inner peace and balance that I continue to search for.
Several years ago I heard Stephen Covey say in one of his Seven Habits workshops, "I have never met a man who on his deathbed said, "I should have spent more time at the office." I knew then that my life had to be about more than my checking account balance or the title on my business card. A dear friend once said "Meaningful work brings balance into ones life." Improving my quality of life begins by sharing with others the things I do that result in peace and joy. With that in mind, do YOU know what is most important in your life and do YOU honor it?
original story by Rick Weaver
Chief Inspiration Officer
Lifeteacher.com
Developing Self-Discipline
Will is character in action (William Mcdougall)
When British psychologist William Mcdougall (1871 ~ 1938) said, “Will is character in action,” what did he mean? Simply that willpower is the source of our action, and, therefore, the source of our character. For when we will to do good, and do so, we have good character, but when we will to neglect our responsibilities, we have bad character.
When people complain or are dissatisfied with their lives, they often blame others for their unhappy state of affairs. If it isn’t the fault of others, then they claim it is due to ‘bad luck’ or how ‘unfair’ the world is. They seem to blame everything except themselves. Such an attitude is self-defeating, for complaints are wasted effort and divert attention from possible solutions. They don’t yet understand that life doesn’t happen TO us. It happens BECAUSE of us. They haven’t awakened to the fact that destiny or fate is not arbitrary and predetermined. Rather, we create our own destiny. After all, our present conditions were brought about by our past actions, and our present actions will create our future circumstances.
Why do people blame everything but themselves for their unhappiness? Because it is painful to admit that our lack of success is not due to any quirk of fate, but to our own lack of responsiveness to the opportunities that were presented to us. But once we admit the truth, great power is unleashed. For then we will realize that our lives are not controlled by the whims of fate, but by ourselves, by our own actions, and by our own willpower. It is exciting to realize that we can do anything we set our mind to. Yet, after coming close to reaching this point, some then cop out by claiming they don’ t have any willpower, as if there was a willpower gene that somehow they are lacking.
If we find ourselves stuck in that space where we believe we lack willpower, what can we do? Begin by understanding the true meaning of willpower. It’s just another way of saying self-discipline. When you tell yourself you lack self-discipline, it is easier to understand that you can do something about it. You can develop it. But wait a minute! Doesn’t it take self-discipline to develop self-discipline? And if I don’t have any, how can I use what I don’t have?
Well, it is incorrect to say you don’t have ANY. You couldn’t have read this far without some discipline, so your challenge is not how to acquire it, but how to get MORE of it. If your doctor told you that you need to lift weights, you would start with light weights, gradually working your way up to the heavy ones, thereby increasing your power. So it is with self-discipline. Anyone can start from where they are and go from there.
Perhaps no other skill is as important to develop as self-disciple or self-control. It is the key to self-mastery and the achievement of your dreams. Now, let’s look at some steps you can take to increase your personal power.
1. Acknowledge your own responsibility. Admit that if you sit around doing nothing, you will achieve nothing.
2. Allow yourself to feel the resistance. For example, if you are a student that needs to be studying, but doesn’t feel like it, say something like the following to yourself. “I don’t feel like studying. I feel like pursuing some pleasure instead. But rather than running away, I allow myself to feel the resistance and I admit I need to study. I also need to develop self-discipline. And doing what we don’t like to do develops self-discipline. So, I welcome this opportunity to kill two birds with one stone (study for my exam and develop self-discipline).”
3. Take a few deep breaths. Relax and let go of any tension. Pause and visualize the action as if it were already completed. Study the image of the completed project in your mind for a few moments. This step prepares both your conscious mind and subconscious for action.
4. Now act. After doing so, you will feel a sense of relief as you free yourself from the stress that comes from ignoring an important task. Second, you will enjoy the pleasure of accomplishment. Third, you will discover the task was easier to do than you first imagined.
5. Relish the relief and pleasure you experience. Remember it. Savor it. Focus on it. For it will become the source of motivation. At first, the lure of relief and pleasure will be weak and the memory of it dim, but as you repeatedly do what you don’t feel like doing, the motivation to act will grow stronger and stronger, until a firm habit is formed.
6. Those who haven’t yet developed the habit of self-discipline avoid tasks because they focus on the effort that needs to be made. In their minds, effort is synonymous with discomfort. Change what you focus on. When facing a new task, focus on the relief and pleasure you will be experiencing. Also focus on the memory of how your imagination tricks you, always blowing things out of proportion. Remember that the task will be easier to do than your now believe.
7. When you launch your personal Self-Discipline Development Program, you will do two things: complete tasks and develop self-discipline. Of the two, developing self-discipline is more important. For once you have mastered that you will be able to do anything. So, it is important to be successful. Therefore, when starting out, don’t decide to work on the most urgent task, but choose the easiest one first and work your way up. Pretend you are working out in a gym for the first time. If you begin by trying to lift 100 lb. weights, you will probably feel overwhelmed and quickly give up. But if you start with 10 lb. weights, your workouts will be easy to do and your successes will motivate you to move on to bigger challenges. Take baby steps and work your way up. Trying to bite off more than you can chew will lead to failure.
8. Be gentle but firm with yourself. Act firmly in that you stop running away. Face your task, accept it, and accomplish it. Finish what you start. Follow through on every project. Focus on one task at a time. Don’t scatter your attention. But be gentle in the sense that you don’t have to do all your tasks immediately as long as you start doing some. Don’t expect to go from zero to a hundred in one second. Work up to it. Start slowly, but gradually pick up the pace as you develop your skills.
9. Expect to be tempted to avoid your tasks. Your mind will come up with rationalizations and excuses for putting off till ‘tomorrow’ what can be done today. Remain aware of your feelings and learn to think before you act. Use your reason (rational mind), not your emotions, to guide your actions. Do what is good FOR you instead of what FEELS good.
10. Once you learn how to quickly act on all the tasks, responsibilities, and challenges facing you, you will want to remain fit, always ready to act. Keep in shape by deliberately going out of your way to do things you don’t want to do, even if they are unimportant. The truth is, nothing is unimportant, for if doing something trivial helps maintain your self-discipline, it is no longer trivial. Remember that it is just like working out in a gym. After all, the workout I choose to do is unimportant; it is only the result (physical fitness) that is important. The same is true for your mental fitness. Look for opportunities during the day to ‘work out. ’
11. Once you can keep your level of self-discipline, you will be ready to move on to the next level by stretching yourself. Now you deliberately seek out difficult and complex challenges that you only dared to dream about in the past. Now that you have mastered self-control, you are ready to make those dreams come true. At this point, you are no longer paralyzed by task-avoidance. Each task you do frees up more time to work on the next project. You have now started on the path of endless growth.
Life is not something that happens to you, but you are something that happens to life. Decide today to give up the blame game and take responsibility for your own life by mastering the art of self-discipline.
original story by Chuck Gallozzi
Visit http://www.personal-development.com
When British psychologist William Mcdougall (1871 ~ 1938) said, “Will is character in action,” what did he mean? Simply that willpower is the source of our action, and, therefore, the source of our character. For when we will to do good, and do so, we have good character, but when we will to neglect our responsibilities, we have bad character.
When people complain or are dissatisfied with their lives, they often blame others for their unhappy state of affairs. If it isn’t the fault of others, then they claim it is due to ‘bad luck’ or how ‘unfair’ the world is. They seem to blame everything except themselves. Such an attitude is self-defeating, for complaints are wasted effort and divert attention from possible solutions. They don’t yet understand that life doesn’t happen TO us. It happens BECAUSE of us. They haven’t awakened to the fact that destiny or fate is not arbitrary and predetermined. Rather, we create our own destiny. After all, our present conditions were brought about by our past actions, and our present actions will create our future circumstances.
Why do people blame everything but themselves for their unhappiness? Because it is painful to admit that our lack of success is not due to any quirk of fate, but to our own lack of responsiveness to the opportunities that were presented to us. But once we admit the truth, great power is unleashed. For then we will realize that our lives are not controlled by the whims of fate, but by ourselves, by our own actions, and by our own willpower. It is exciting to realize that we can do anything we set our mind to. Yet, after coming close to reaching this point, some then cop out by claiming they don’ t have any willpower, as if there was a willpower gene that somehow they are lacking.
If we find ourselves stuck in that space where we believe we lack willpower, what can we do? Begin by understanding the true meaning of willpower. It’s just another way of saying self-discipline. When you tell yourself you lack self-discipline, it is easier to understand that you can do something about it. You can develop it. But wait a minute! Doesn’t it take self-discipline to develop self-discipline? And if I don’t have any, how can I use what I don’t have?
Well, it is incorrect to say you don’t have ANY. You couldn’t have read this far without some discipline, so your challenge is not how to acquire it, but how to get MORE of it. If your doctor told you that you need to lift weights, you would start with light weights, gradually working your way up to the heavy ones, thereby increasing your power. So it is with self-discipline. Anyone can start from where they are and go from there.
Perhaps no other skill is as important to develop as self-disciple or self-control. It is the key to self-mastery and the achievement of your dreams. Now, let’s look at some steps you can take to increase your personal power.
1. Acknowledge your own responsibility. Admit that if you sit around doing nothing, you will achieve nothing.
2. Allow yourself to feel the resistance. For example, if you are a student that needs to be studying, but doesn’t feel like it, say something like the following to yourself. “I don’t feel like studying. I feel like pursuing some pleasure instead. But rather than running away, I allow myself to feel the resistance and I admit I need to study. I also need to develop self-discipline. And doing what we don’t like to do develops self-discipline. So, I welcome this opportunity to kill two birds with one stone (study for my exam and develop self-discipline).”
3. Take a few deep breaths. Relax and let go of any tension. Pause and visualize the action as if it were already completed. Study the image of the completed project in your mind for a few moments. This step prepares both your conscious mind and subconscious for action.
4. Now act. After doing so, you will feel a sense of relief as you free yourself from the stress that comes from ignoring an important task. Second, you will enjoy the pleasure of accomplishment. Third, you will discover the task was easier to do than you first imagined.
5. Relish the relief and pleasure you experience. Remember it. Savor it. Focus on it. For it will become the source of motivation. At first, the lure of relief and pleasure will be weak and the memory of it dim, but as you repeatedly do what you don’t feel like doing, the motivation to act will grow stronger and stronger, until a firm habit is formed.
6. Those who haven’t yet developed the habit of self-discipline avoid tasks because they focus on the effort that needs to be made. In their minds, effort is synonymous with discomfort. Change what you focus on. When facing a new task, focus on the relief and pleasure you will be experiencing. Also focus on the memory of how your imagination tricks you, always blowing things out of proportion. Remember that the task will be easier to do than your now believe.
7. When you launch your personal Self-Discipline Development Program, you will do two things: complete tasks and develop self-discipline. Of the two, developing self-discipline is more important. For once you have mastered that you will be able to do anything. So, it is important to be successful. Therefore, when starting out, don’t decide to work on the most urgent task, but choose the easiest one first and work your way up. Pretend you are working out in a gym for the first time. If you begin by trying to lift 100 lb. weights, you will probably feel overwhelmed and quickly give up. But if you start with 10 lb. weights, your workouts will be easy to do and your successes will motivate you to move on to bigger challenges. Take baby steps and work your way up. Trying to bite off more than you can chew will lead to failure.
8. Be gentle but firm with yourself. Act firmly in that you stop running away. Face your task, accept it, and accomplish it. Finish what you start. Follow through on every project. Focus on one task at a time. Don’t scatter your attention. But be gentle in the sense that you don’t have to do all your tasks immediately as long as you start doing some. Don’t expect to go from zero to a hundred in one second. Work up to it. Start slowly, but gradually pick up the pace as you develop your skills.
9. Expect to be tempted to avoid your tasks. Your mind will come up with rationalizations and excuses for putting off till ‘tomorrow’ what can be done today. Remain aware of your feelings and learn to think before you act. Use your reason (rational mind), not your emotions, to guide your actions. Do what is good FOR you instead of what FEELS good.
10. Once you learn how to quickly act on all the tasks, responsibilities, and challenges facing you, you will want to remain fit, always ready to act. Keep in shape by deliberately going out of your way to do things you don’t want to do, even if they are unimportant. The truth is, nothing is unimportant, for if doing something trivial helps maintain your self-discipline, it is no longer trivial. Remember that it is just like working out in a gym. After all, the workout I choose to do is unimportant; it is only the result (physical fitness) that is important. The same is true for your mental fitness. Look for opportunities during the day to ‘work out. ’
11. Once you can keep your level of self-discipline, you will be ready to move on to the next level by stretching yourself. Now you deliberately seek out difficult and complex challenges that you only dared to dream about in the past. Now that you have mastered self-control, you are ready to make those dreams come true. At this point, you are no longer paralyzed by task-avoidance. Each task you do frees up more time to work on the next project. You have now started on the path of endless growth.
Life is not something that happens to you, but you are something that happens to life. Decide today to give up the blame game and take responsibility for your own life by mastering the art of self-discipline.
original story by Chuck Gallozzi
Visit http://www.personal-development.com
Loans, Loans, Loans
loans that’s what everyone is talking about, on internet, on radio, on, television in news we see advertisement for loans everyday, everywhere. “You want to buy a hat, a cat, a house, a car, you can get a loan”. “Getting loan was never easier”. “Live life the way you want”. These are all the sentences that are clouding the media nowadays. And of course this has increased the ratio of people borrowing loans from banks and other lending organizations.
A number of people are making their dreams come true due to these loans, which was otherwise impossible. You can get loans for multiple things like for starting a business, purchasing a house, or getting a car so on and so for. You can simply apply for the loan, buy your desired object and keep on paying small installments for years without even noticing it.
Instead of waiting for long years of tough work to buy a house or establish a business of your own you can get some help from one of the diverse kinds of loans and benefit yourself from this golden opportunity.
Fantasies, dreams have no end. But in order to actualize them you need enough resources, now you have several opportunities to do what you always wanted. For different reasons or things you have varied kinds of loans. Be careful about the interest rates and other specifications of a loan. That will help you in generating the best results financially.
You can get loan on really low rates if you play safe, I mean pay your installments on time and if you manage to pay it before time that would be more than good that will drag you in the line of good borrower, which will be very useful if ever in future you need to get the loan again.
Unsecured loans
Are the most fascinating and tempting loan kind that has ever come across my knowledge. You are at minimum risk especially you are simply free from any possibility of repossession of your home or any other asset. Whereas on the other hand the creditors are at high risk by giving you an unsecured loan as they provide you loan just on the assessment of your income and repayment capacity and therefore the monthly installments are a bit higher and the repayment duration is also shorter as compared to secured loans.
But for everything you have to pay a price, there is nothing free and of course you are getting money without giving any of your owned possession’s guarantees, which is a very big thing? This doesn’t stop here; you have other benefits too of unsecured loans that can’t be overlooked. First you can find a number of companies who are offering unsecured loans and thus get it on a very competitive rate.
As for an unsecured loan you are not to provide a number of documents with the loan application the process of the approval are much faster than that of secured loans. It can be obtained in the time span of as short as 72 hours. Besides this there are other loans you can think of like secured loans but of course you should be dead sure that you’ll pay the loan before the deadline.
Secured loans
You have to put any of your asset as a guarantee to bank, there are cheap home improvement loans, house buying loans, small and big business loans, personal loans, bad credit loans, pay day loans, car loans etc… there are just few things to keep in mind while applying or before applying a loan such as the interest rate, type of rate (fixed or variable), terms and conditions (repayment time in months or years), deposit (down payment), associated fees (broker, origination, prepayment etc.), insurance required by the lender.
For best financial results see all the terms and conditions and be crystal clear about the things and then apply. This will give you ample tendency to work out your way out victoriously.
Loans are never (most of the times) an effectual, result-oriented solution for your long term monetary needs! Taking loans is becoming a fashion, I think more then 50% of advertisement on media is directly or indirectly about loans. But frankly speaking I believe loans are not more than debt traps. There are so many alluring names as payday loans; cash advance loans, check advance loans, post-dated check loans or deferred deposit check loans.
But beware! Don’t charmed by such attractive offers, think twice about borrowing a loan before you go ahead with this and honestly realize, do you really need a loan? Is it inevitable? Is this loan for frivolous, like a holiday? Or for something real serious an urgent need, Can you borrow money by a more traditional way, I mean from a relative, maybe a part-time job or you can think of selling an asset.
Try to convince your creditors for some more time to pay your bills. Find out what they will charge you for that service - as a late charge, an additional finance charge or a higher interest rate. Don’t put your foot into a trap yourself if you can avoid it.
Did you ever think why you drag your self in to a situation where you are left with no money and need loan desperately? Strive to mend this if you are a lavish spender and you always spend more than you earn then it is a terrible practice. To overcome this condition, if you opt for a payday loan, it will be a “chancy solution”.
Payday loan companies often take the advantages of your need and lead you in debt ensnare. Try to make a more realistic and practical budget, and figure out your monthly and daily expenses. Avoid superfluous purchases even undersized every day items. Their costs add up and may become a huge amount at times that makes real big difference. Also, put aside some savings, even small amounts will do to avoid borrowing for emergencies, unexpected expenses or other such instances.
I know it’s simply impossible to write your requirements in black and white and consume money according to that but one should make a strict line that you are not spending more than this and this is only for your own advantage.
Check out if you can go for overdraft protection on your checking account? If you are a regular most or all of the funds in your account user so then if you make a mistake in your checking (or savings) account ledger or records, overdraft protection can assist in protecting you from further credit problems. Do find out the terms of overdraft protection. Want any help or working out a debt repayment plan with creditors or developing a budget, contact your local consumer credit counseling service.
Almost in every state there are non-profit groups that offer credit guidance to consumers. These services are available at very little or no cost. Don’t forget to check with your employer, credit union or housing authority for no- or low-cost credit counseling programs. If you decide that a payday loan is inevitable, borrow only as much as you can afford to pay with your next paycheck and still have enough to make it to the next payday.
While taking a loan it’s never only the interest rate to take care of it’s only a part, there are a whole lot of other inevitable expenses that makes it really, really expensive. The rate on a payday loan may be 500% per year or even more. Borrowing 200 dollar for 2 weeks at 500% will cost you 38.36 dollar. Just compare this to borrowing 200 dollar for 2 weeks at 36% (2.76 dollar) or 12% (.92 dollar).
Suppose if this loan is refinanced four times, the cost difference increases dramatically! In actuality, it will cost you nearly 200 dollar to borrow 200 dollar for ten weeks. Gosh! It’s a lot. Besides the insurance rate there are also arrangement fees and prepayment penalties to consider. And many ‘no fee’ credit lines have a pre-payment penalty.
This is the way broker and lenders make their money. Do work out the total cost of your loan before committing? Compare the APR and the finance charge (which includes loan fees, interest and other types of credit costs) of credit offers to get the lowest cost.
Borrowing loans can be helpful when you are having temporary cash flow crisis or are facing a financial emergency and need money on a short-term basis. Don’t rely on loan or don’t make long-term planning depending on loans only. If you already have one loan outstanding, then you should avoid taking out another such loan.
Also think about the aggravations if you can’t be able to repay the loan at specific date to the payday lender!! I hope you are getting my point. Now this was what I call a bird’s eye view about the loans advantages and disadvantages. But if still you are not satisfied and wants to dig in more to know minute details about different types of loans, I’ll give you some info about it as after all you are the best judge for your own problems and needs.
Doesn’t matter what someone says it’s always you who know what you need to do? I have already given you a transparent idea about secured and unsecured loans. Now else than this there are home loans, bad credit loan, bad credit auto loan, personal loan, debt consolidation, payday loan, mortgage loan, auto loan, student consolidation loan, business loan, home equity loan and pay day advance.
See you can get loan for anything and everything. There are so many different kinds of flexible and non-flexible loans that help you to keep going ahead in life.
A number of people are making their dreams come true due to these loans, which was otherwise impossible. You can get loans for multiple things like for starting a business, purchasing a house, or getting a car so on and so for. You can simply apply for the loan, buy your desired object and keep on paying small installments for years without even noticing it.
Instead of waiting for long years of tough work to buy a house or establish a business of your own you can get some help from one of the diverse kinds of loans and benefit yourself from this golden opportunity.
Fantasies, dreams have no end. But in order to actualize them you need enough resources, now you have several opportunities to do what you always wanted. For different reasons or things you have varied kinds of loans. Be careful about the interest rates and other specifications of a loan. That will help you in generating the best results financially.
You can get loan on really low rates if you play safe, I mean pay your installments on time and if you manage to pay it before time that would be more than good that will drag you in the line of good borrower, which will be very useful if ever in future you need to get the loan again.
Unsecured loans
Are the most fascinating and tempting loan kind that has ever come across my knowledge. You are at minimum risk especially you are simply free from any possibility of repossession of your home or any other asset. Whereas on the other hand the creditors are at high risk by giving you an unsecured loan as they provide you loan just on the assessment of your income and repayment capacity and therefore the monthly installments are a bit higher and the repayment duration is also shorter as compared to secured loans.
But for everything you have to pay a price, there is nothing free and of course you are getting money without giving any of your owned possession’s guarantees, which is a very big thing? This doesn’t stop here; you have other benefits too of unsecured loans that can’t be overlooked. First you can find a number of companies who are offering unsecured loans and thus get it on a very competitive rate.
As for an unsecured loan you are not to provide a number of documents with the loan application the process of the approval are much faster than that of secured loans. It can be obtained in the time span of as short as 72 hours. Besides this there are other loans you can think of like secured loans but of course you should be dead sure that you’ll pay the loan before the deadline.
Secured loans
You have to put any of your asset as a guarantee to bank, there are cheap home improvement loans, house buying loans, small and big business loans, personal loans, bad credit loans, pay day loans, car loans etc… there are just few things to keep in mind while applying or before applying a loan such as the interest rate, type of rate (fixed or variable), terms and conditions (repayment time in months or years), deposit (down payment), associated fees (broker, origination, prepayment etc.), insurance required by the lender.
For best financial results see all the terms and conditions and be crystal clear about the things and then apply. This will give you ample tendency to work out your way out victoriously.
Loans are never (most of the times) an effectual, result-oriented solution for your long term monetary needs! Taking loans is becoming a fashion, I think more then 50% of advertisement on media is directly or indirectly about loans. But frankly speaking I believe loans are not more than debt traps. There are so many alluring names as payday loans; cash advance loans, check advance loans, post-dated check loans or deferred deposit check loans.
But beware! Don’t charmed by such attractive offers, think twice about borrowing a loan before you go ahead with this and honestly realize, do you really need a loan? Is it inevitable? Is this loan for frivolous, like a holiday? Or for something real serious an urgent need, Can you borrow money by a more traditional way, I mean from a relative, maybe a part-time job or you can think of selling an asset.
Try to convince your creditors for some more time to pay your bills. Find out what they will charge you for that service - as a late charge, an additional finance charge or a higher interest rate. Don’t put your foot into a trap yourself if you can avoid it.
Did you ever think why you drag your self in to a situation where you are left with no money and need loan desperately? Strive to mend this if you are a lavish spender and you always spend more than you earn then it is a terrible practice. To overcome this condition, if you opt for a payday loan, it will be a “chancy solution”.
Payday loan companies often take the advantages of your need and lead you in debt ensnare. Try to make a more realistic and practical budget, and figure out your monthly and daily expenses. Avoid superfluous purchases even undersized every day items. Their costs add up and may become a huge amount at times that makes real big difference. Also, put aside some savings, even small amounts will do to avoid borrowing for emergencies, unexpected expenses or other such instances.
I know it’s simply impossible to write your requirements in black and white and consume money according to that but one should make a strict line that you are not spending more than this and this is only for your own advantage.
Check out if you can go for overdraft protection on your checking account? If you are a regular most or all of the funds in your account user so then if you make a mistake in your checking (or savings) account ledger or records, overdraft protection can assist in protecting you from further credit problems. Do find out the terms of overdraft protection. Want any help or working out a debt repayment plan with creditors or developing a budget, contact your local consumer credit counseling service.
Almost in every state there are non-profit groups that offer credit guidance to consumers. These services are available at very little or no cost. Don’t forget to check with your employer, credit union or housing authority for no- or low-cost credit counseling programs. If you decide that a payday loan is inevitable, borrow only as much as you can afford to pay with your next paycheck and still have enough to make it to the next payday.
While taking a loan it’s never only the interest rate to take care of it’s only a part, there are a whole lot of other inevitable expenses that makes it really, really expensive. The rate on a payday loan may be 500% per year or even more. Borrowing 200 dollar for 2 weeks at 500% will cost you 38.36 dollar. Just compare this to borrowing 200 dollar for 2 weeks at 36% (2.76 dollar) or 12% (.92 dollar).
Suppose if this loan is refinanced four times, the cost difference increases dramatically! In actuality, it will cost you nearly 200 dollar to borrow 200 dollar for ten weeks. Gosh! It’s a lot. Besides the insurance rate there are also arrangement fees and prepayment penalties to consider. And many ‘no fee’ credit lines have a pre-payment penalty.
This is the way broker and lenders make their money. Do work out the total cost of your loan before committing? Compare the APR and the finance charge (which includes loan fees, interest and other types of credit costs) of credit offers to get the lowest cost.
Borrowing loans can be helpful when you are having temporary cash flow crisis or are facing a financial emergency and need money on a short-term basis. Don’t rely on loan or don’t make long-term planning depending on loans only. If you already have one loan outstanding, then you should avoid taking out another such loan.
Also think about the aggravations if you can’t be able to repay the loan at specific date to the payday lender!! I hope you are getting my point. Now this was what I call a bird’s eye view about the loans advantages and disadvantages. But if still you are not satisfied and wants to dig in more to know minute details about different types of loans, I’ll give you some info about it as after all you are the best judge for your own problems and needs.
Doesn’t matter what someone says it’s always you who know what you need to do? I have already given you a transparent idea about secured and unsecured loans. Now else than this there are home loans, bad credit loan, bad credit auto loan, personal loan, debt consolidation, payday loan, mortgage loan, auto loan, student consolidation loan, business loan, home equity loan and pay day advance.
See you can get loan for anything and everything. There are so many different kinds of flexible and non-flexible loans that help you to keep going ahead in life.
How to Be a Man
What does it mean to be a man today? How can men consciously express their masculinity without becoming cold or closed-hearted on the one hand… or wimpy and emasculated on the other? What’s the most loving way for a conscious man to express himself?
Here are 10 ways to live more consciously as a man:
1. Make real decisions.
A man understands and respects the power of choice. He lives a life of his own creation. He knows that life stagnates when he fails to decide and flourishes when he chooses a clear path.
When a man makes a decision, he opens the door he wants and closes the doors he doesn’t want. He locks onto his target like a guided missile. There’s no guarantee he’ll reach his target, and he knows this, but he doesn’t need such guarantees. He simply enjoys the sense of inevitability that comes from pushing the launch button.
A man doesn’t require the approval of others. He’s willing to follow his heart wherever it leads him. When a man is following his heart-centered path, it’s of little consequence if the entire world is against him.
2. Put your relationships second.
A man who claims his #1 commitment in life is his relationship partner (or his family) is either too dishonest or too weak to be trusted. His loyalties are misplaced. A man who values individuals above his own integrity is a wretch, not a free thinker.
A man knows he must commit to something greater than satisfying the needs of a few people. He’s not willing to be domesticated, but he is willing to accept the responsibility that comes with greater challenges. He knows that when he shirks that duty, he becomes something less than a man. When others observe that the man is unyieldingly committed to his values and ideals, he gains their trust and respect, even when he cannot gain their direct support. The surest way for a man to lose the respect of others (as well as his self-respect) is to violate his own values.
Life will test the man to see if he’s willing to put loyalty to others ahead of loyalty to his principles. The man will be offered many temptations to expose his true loyalties. A man’s greatest reward is to live with integrity, and his greatest punishment is what he inflicts upon himself for placing anything above his integrity. Whenever the man sacrifices his integrity, he loses his freedom… and himself as well. He becomes an object of pity.
3. Be willing to fail.
A man is willing to make mistakes. He’s willing to be wrong. He’d rather try and fail than do nothing.
A man’s self-trust is one of his greatest assets. When he second-guesses himself by worrying about failure, he diminishes himself. An intelligent man considers the prospect of failure, but he doesn’t preoccupy himself with pointless worry. He accepts that if a failure outcome occurs, he can deal with it.
A man grows more from failure than he does from success. Success cannot test his resolve in the way that failure can. Success has its challenges, but a man learns more about himself when he takes on challenges that involve risk. When a man plays it safe, his vitality is lost, and he loses his edge.
4. Be confident.
A man speaks and acts with confidence. He owns his attitude.
A man doesn’t adopt a confident posture because he knows he’ll succeed. He often knows that failure is a likely outcome. But when the odds of success are clearly against him, he still exudes confidence. It isn’t because he’s ignorant or suffering from denial. It’s because he’s proving to himself that he has the strength to transcend his self-doubt. This builds his courage and persistence, two of his most valuable allies.
A man is willing to be defeated by the world. He’s willing to be taken down by circumstances beyond his control. But he refuses to be overwhelmed by his own self-doubt. He knows that when he stops trusting himself, he is surely lost. He’ll surrender to fate when necessary, but he won’t surrender to fear.
5. Express love actively.
A man is an active giver of love, not a passive receiver. A man is the first to initiate a conversation, the first to ask for what’s needed, and the first to say “I love you.” Waiting for someone else to make the first move is unbecoming of him. The universe does not respond positively to his hesitation. Only when he’s in motion do the floodgates of abundance open.
Man is the out-breath of source energy. It is his job — his duty — to share his love with the world. He must wean himself from suckling the energy of others and become a vibrant transmitter of energy himself. He must allow that energy to flow from source, through him, and into the world. When he assumes this role, he has no doubt he is living as his true self.
6. Re-channel sex energy.
A man doesn’t hide his sexuality. If others shrink from him because he’s too masculine, he allows them to have their reaction. There’s no need for him to lower his energy just to avoid frightening the timid. A man accepts the consequences of being male; he makes no apologies for his nature.
A man is careful not to allow his energy to get stuck at the level of lust. He re-channels much of his sexual energy into his heart and head, where it can serve his higher values instead of just his animal instincts. (You can do this by visualizing the energy rising, expanding, and eventually flowing throughout your entire body and beyond.)
A man channels his sexual energy into his heart-centered pursuits. He feels such energy pulsing within him, driving him to action. He feels uncomfortable standing still. He allows his sexual energy to explode through his heart, not just his genitals.
7. Face your fears.
For a man, being afraid of something is reason enough to do it. A man’s fear is a call to be tested. When a man hides from his fears, he knows he’s fallen out of alignment with his true self. He feels weak, depressed, and helpless. No matter how hard he tries to comfort himself and achieve a state of peace, he cannot overcome his inner feeling of dread. Only when facing his fears does a man experience peace.
A man makes a friend of risk. He doesn’t run and hide from the tests of fear. He turns toward them and engages them boldly.
A man succeeds or fails. A coward never makes the attempt. Specific outcomes are of less concern to a man than his direction.
A man feels like a man whenever he faces the right way, staring straight into his fears. He feels even more like a man when he advances in the direction of his fears, as if sailing on the winds of an inner scream.
8. Honor the masculinity of other men.
When a man sees a male friend undertaking a new venture that will clearly lead to failure, what does the man do? Does he warn his friend off such a path? No, the man encourages his friend to continue. The man knows it’s better for his friend to strike out confidently and learn from the failure experience. The man honors his friend’s decision to reach out and make the attempt. The man won’t deny his friend the benefits of a failure experience. The man may offer his friend guidance, but he knows his friend must fail repeatedly in order to develop self-trust and courage.
When you see a man at the gym struggling to lift a heavy weight, do you jump in and say, “Here… let me help you with that. Maybe the two of us can lift it together”? No, that would rob him of the growth experience — and probably make a quick enemy of him as well.
The male path is filled with obstacles. It typically includes more failures than successes. These obstacles help a man discover what’s truly important to him. Through repeated failures a man learns to persist in the pursuit of worthy goals and to abandon goals that are unworthy of him.
A man can handle being knocked down many times. For every physical setback he experiences, he enjoys a spiritual advancement, and that is enough for him.
9. Accept responsibility for your relationships.
A man chooses his friends, lovers, and associates consciously. He actively seeks out the company of people who inspire and challenge him, and he willingly sheds those who hold him back.
A man doesn’t blame others for his relationship problems. When a relationship is no longer compatible with his heart-centered path, he initiates the break-up and departs without blame or guilt.
A man holds himself accountable for the relationships he allows into his life. He holds others accountable for their behavior, but he holds himself accountable for his decision to tolerate such behavior.
A man teaches others how to treat him by the relationships he’s willing to allow into his life. A man refuses to fill his life with negative or destructive relationships; he knows that’s a form of self-abuse.
10. Die well.
A man’s great challenge is to develop the inner strength to express his true self. He must learn to share his love with the world without holding back. When a man is satisfied that he’s done that, he can make peace with death. But if he fails to do so, death becomes his enemy and haunts him all the days of his life.
A man cannot die well unless he lives well. A man lives well when he accepts his mortality and draws strength from knowing that his physical existence is temporary. When a man faces and accepts the inevitability of death… when he learns to see death as his ally instead of his enemy… he’s finally able to express his true self. So a man isn’t ready to live until he accepts that he’s already dead.
------------------------------------------------------------------------------------------------
"I was impressed by this articles, and I want to share this with you." by virgie lentijas
original story by : Steve Pavlina
Here are 10 ways to live more consciously as a man:
1. Make real decisions.
A man understands and respects the power of choice. He lives a life of his own creation. He knows that life stagnates when he fails to decide and flourishes when he chooses a clear path.
When a man makes a decision, he opens the door he wants and closes the doors he doesn’t want. He locks onto his target like a guided missile. There’s no guarantee he’ll reach his target, and he knows this, but he doesn’t need such guarantees. He simply enjoys the sense of inevitability that comes from pushing the launch button.
A man doesn’t require the approval of others. He’s willing to follow his heart wherever it leads him. When a man is following his heart-centered path, it’s of little consequence if the entire world is against him.
2. Put your relationships second.
A man who claims his #1 commitment in life is his relationship partner (or his family) is either too dishonest or too weak to be trusted. His loyalties are misplaced. A man who values individuals above his own integrity is a wretch, not a free thinker.
A man knows he must commit to something greater than satisfying the needs of a few people. He’s not willing to be domesticated, but he is willing to accept the responsibility that comes with greater challenges. He knows that when he shirks that duty, he becomes something less than a man. When others observe that the man is unyieldingly committed to his values and ideals, he gains their trust and respect, even when he cannot gain their direct support. The surest way for a man to lose the respect of others (as well as his self-respect) is to violate his own values.
Life will test the man to see if he’s willing to put loyalty to others ahead of loyalty to his principles. The man will be offered many temptations to expose his true loyalties. A man’s greatest reward is to live with integrity, and his greatest punishment is what he inflicts upon himself for placing anything above his integrity. Whenever the man sacrifices his integrity, he loses his freedom… and himself as well. He becomes an object of pity.
3. Be willing to fail.
A man is willing to make mistakes. He’s willing to be wrong. He’d rather try and fail than do nothing.
A man’s self-trust is one of his greatest assets. When he second-guesses himself by worrying about failure, he diminishes himself. An intelligent man considers the prospect of failure, but he doesn’t preoccupy himself with pointless worry. He accepts that if a failure outcome occurs, he can deal with it.
A man grows more from failure than he does from success. Success cannot test his resolve in the way that failure can. Success has its challenges, but a man learns more about himself when he takes on challenges that involve risk. When a man plays it safe, his vitality is lost, and he loses his edge.
4. Be confident.
A man speaks and acts with confidence. He owns his attitude.
A man doesn’t adopt a confident posture because he knows he’ll succeed. He often knows that failure is a likely outcome. But when the odds of success are clearly against him, he still exudes confidence. It isn’t because he’s ignorant or suffering from denial. It’s because he’s proving to himself that he has the strength to transcend his self-doubt. This builds his courage and persistence, two of his most valuable allies.
A man is willing to be defeated by the world. He’s willing to be taken down by circumstances beyond his control. But he refuses to be overwhelmed by his own self-doubt. He knows that when he stops trusting himself, he is surely lost. He’ll surrender to fate when necessary, but he won’t surrender to fear.
5. Express love actively.
A man is an active giver of love, not a passive receiver. A man is the first to initiate a conversation, the first to ask for what’s needed, and the first to say “I love you.” Waiting for someone else to make the first move is unbecoming of him. The universe does not respond positively to his hesitation. Only when he’s in motion do the floodgates of abundance open.
Man is the out-breath of source energy. It is his job — his duty — to share his love with the world. He must wean himself from suckling the energy of others and become a vibrant transmitter of energy himself. He must allow that energy to flow from source, through him, and into the world. When he assumes this role, he has no doubt he is living as his true self.
6. Re-channel sex energy.
A man doesn’t hide his sexuality. If others shrink from him because he’s too masculine, he allows them to have their reaction. There’s no need for him to lower his energy just to avoid frightening the timid. A man accepts the consequences of being male; he makes no apologies for his nature.
A man is careful not to allow his energy to get stuck at the level of lust. He re-channels much of his sexual energy into his heart and head, where it can serve his higher values instead of just his animal instincts. (You can do this by visualizing the energy rising, expanding, and eventually flowing throughout your entire body and beyond.)
A man channels his sexual energy into his heart-centered pursuits. He feels such energy pulsing within him, driving him to action. He feels uncomfortable standing still. He allows his sexual energy to explode through his heart, not just his genitals.
7. Face your fears.
For a man, being afraid of something is reason enough to do it. A man’s fear is a call to be tested. When a man hides from his fears, he knows he’s fallen out of alignment with his true self. He feels weak, depressed, and helpless. No matter how hard he tries to comfort himself and achieve a state of peace, he cannot overcome his inner feeling of dread. Only when facing his fears does a man experience peace.
A man makes a friend of risk. He doesn’t run and hide from the tests of fear. He turns toward them and engages them boldly.
A man succeeds or fails. A coward never makes the attempt. Specific outcomes are of less concern to a man than his direction.
A man feels like a man whenever he faces the right way, staring straight into his fears. He feels even more like a man when he advances in the direction of his fears, as if sailing on the winds of an inner scream.
8. Honor the masculinity of other men.
When a man sees a male friend undertaking a new venture that will clearly lead to failure, what does the man do? Does he warn his friend off such a path? No, the man encourages his friend to continue. The man knows it’s better for his friend to strike out confidently and learn from the failure experience. The man honors his friend’s decision to reach out and make the attempt. The man won’t deny his friend the benefits of a failure experience. The man may offer his friend guidance, but he knows his friend must fail repeatedly in order to develop self-trust and courage.
When you see a man at the gym struggling to lift a heavy weight, do you jump in and say, “Here… let me help you with that. Maybe the two of us can lift it together”? No, that would rob him of the growth experience — and probably make a quick enemy of him as well.
The male path is filled with obstacles. It typically includes more failures than successes. These obstacles help a man discover what’s truly important to him. Through repeated failures a man learns to persist in the pursuit of worthy goals and to abandon goals that are unworthy of him.
A man can handle being knocked down many times. For every physical setback he experiences, he enjoys a spiritual advancement, and that is enough for him.
9. Accept responsibility for your relationships.
A man chooses his friends, lovers, and associates consciously. He actively seeks out the company of people who inspire and challenge him, and he willingly sheds those who hold him back.
A man doesn’t blame others for his relationship problems. When a relationship is no longer compatible with his heart-centered path, he initiates the break-up and departs without blame or guilt.
A man holds himself accountable for the relationships he allows into his life. He holds others accountable for their behavior, but he holds himself accountable for his decision to tolerate such behavior.
A man teaches others how to treat him by the relationships he’s willing to allow into his life. A man refuses to fill his life with negative or destructive relationships; he knows that’s a form of self-abuse.
10. Die well.
A man’s great challenge is to develop the inner strength to express his true self. He must learn to share his love with the world without holding back. When a man is satisfied that he’s done that, he can make peace with death. But if he fails to do so, death becomes his enemy and haunts him all the days of his life.
A man cannot die well unless he lives well. A man lives well when he accepts his mortality and draws strength from knowing that his physical existence is temporary. When a man faces and accepts the inevitability of death… when he learns to see death as his ally instead of his enemy… he’s finally able to express his true self. So a man isn’t ready to live until he accepts that he’s already dead.
------------------------------------------------------------------------------------------------
"I was impressed by this articles, and I want to share this with you." by virgie lentijas
original story by : Steve Pavlina
Monetize Your Blog
Do you actually want to monetize your blog?
Some people have strong personal feelings with respect to making money from their blogs. If you think commercializing your blog is evil, immoral, unethical, uncool, lame, greedy, obnoxious, or anything along those lines, then don’t commercialize it.
If you have mixed feelings about monetizing your blog, then sort out those feelings first. If you think monetizing your site is wonderful, fine. If you think it’s evil, fine. But make up your mind before you seriously consider starting down this path. If you want to succeed, you must be congruent.
Promoting Your Blog
Search engine optimization is where you optimise your website to be ranked high in search engines like google, yahoo and msn there are other methods to get instant traffic but the in long run search engineOptimization is the best bet to concentrate on.
Email marketing
can be profitable for any business, no matter what kind of product or service you offer. It is significantly cheaper than other advertising methods and, if done right, helps build loyalty and trust with customers. As a result, you generate more sales and more profits!
The foundation for successful email marketing is a targeted, permission-based email list. Marketers call contact lists their "goldmine" because it can generate much of their sales revenue. If you've built up a list of opt-in subscribers that are qualified and interested in what you have to offer, then you've completed the first step and are on your way. Now it's time to "mine" for gold!
Just think about it if you eventually get 10,000 sign ups (which isn't hard) each email you send with a product you offer or an affiliate link, 10,000 people will instantly read your email and even if 1% buy it you still have a big income just off one email, Its brilliant.
Generating income from your blog is challenging enough
You don’t want to be dealing with self-sabotage at the same time. It should feel genuinely good to earn income from your blog — you should be driven by a healthy ambition to succeed. If your blog provides genuine value, you fully deserve to earn income from it.
If, however, you find yourself full of doubts over whether this is the right path for you, you might find this article helpful: How Selfish Are You? It’s about balancing your needs with the needs of others.
If you do decide to generate income from your blog, then don’t be shy about it. If you’re going to put up ads, then really put up ads. Don’t just stick a puny little ad square in a remote corner somewhere. If you’re going to request donations, then really request donations.
Don’t put up a barely visible “Donate” link and pray for the best. If you’re going to sell products, then really sell them. Create or acquire the best quality products you can, and give your visitors compelling reasons to buy. If you’re going to do this, then fully commit to it. Don’t take a half-assed approach. Either be full-assed or no-assed.
You’ll see it in any field with relatively low barriers to entry. What percentage of wannabe actors, musicians, or athletes ever make enough money from their passions to support themselves? It doesn’t take much effort to start a blog these days — almost anyone can do it.
Talent counts for something, and the talent that matters in blogging is intelligence. But that just gets you in the door. You need to specifically apply your intelligence to one particular talent.
If you are very web savvy, or if you can learn to become very web savvy, then you have an excellent shot of making enough money from your blog to cover all your living expenses… and then some. But if becoming truly web savvy is more than your gray matter can handle, Don’t quit your day job.
Web savvy
You don’t need to be a programmer, but you need a decent functional understanding of a variety of web technologies. What technologies are “key” will depend on the nature of your blog and your means of monetization. But generally these elements as significant:
* blog publishing software
* HTML/CSS
* blog comments (and comment spam)
* RSS/syndication
* feed aggregators
* pings
* trackbacks
* full vs. partial feeds
* blog carnivals (for kick-starting your blog’s traffic)
* search engines
* search engine optimization (SEO)
* page rank
* social bookmarking
* tagging
* contextual advertising
* affiliate programs
* traffic statistics
* email
Optional: podcasting, instant messaging, PHP or other web scripting languages.
Can you make a decent income online?
Yes, absolutely. At the very least, a high five-figure annual income is certainly an attainable goal for an individual working full-time from home. If you have a day job, it will take longer to generate a livable income, but it can still be done part-time if you’re willing to devote a lot of your spare time to it. make it always done full-time.
Blog Network Opportunities
With the rise in popularity of Blog Networks – bloggers are also being presented with more places to earn an income from their blogging – by writing for and with others. While it might be difficult to get a writing gig with one of the bigger networks – there are plenty who are always asking for new bloggers to join and who are willing to pay bloggers using a variety of payment models.
While there are distinct advantages of blogging for yourself – blogging for an established network who will handle a lot of the set up/promotion/admin/SEO etc has it’s advantages also. More and more bloggers are combining writing for themselves on their own blogs with taking on blog network blogs as additional income streams.
Business Blog Writing Opportunities
As blogging has risen in it’s profile as a medium more and more businesses are starting blogs. Many of these companies have internal staff take on blogging duties – but an increasing number of them are hiring specialist bloggers to come on and run their blogs. I know of a number of bloggers who in the past month or two have been approached for such paid work. Check out Bloggers for Hire if you’re looking for this type of work.
Non Blogging Writing Opportunities
Also becoming more common are bloggers being hired to write in non blogging mediums. An example of this as bloggers are increasingly being approached to write for newspapers, magazines and other non blog websites. Along side this is the rise of bloggers as published book authors.
Donations
Tip Jars and donation buttons have been a part of blogging for years now but this last year saw a number of bloggers go full time after fund raising drives.
Want to Learn More about How to Make Money Blogging?
Check out these resources that have been written specifically for bloggers wanting to make money blogging.
* ProBlogger the Book – basic tips about starting up a profitable blog.
* Blog Mastermind Blog Mentoring Program – one of the best coaching and training course going around on blogging.
* Blog Profits Blueprint – a free report on how to build profitable blogs.
Some people have strong personal feelings with respect to making money from their blogs. If you think commercializing your blog is evil, immoral, unethical, uncool, lame, greedy, obnoxious, or anything along those lines, then don’t commercialize it.
If you have mixed feelings about monetizing your blog, then sort out those feelings first. If you think monetizing your site is wonderful, fine. If you think it’s evil, fine. But make up your mind before you seriously consider starting down this path. If you want to succeed, you must be congruent.
Promoting Your Blog
Search engine optimization is where you optimise your website to be ranked high in search engines like google, yahoo and msn there are other methods to get instant traffic but the in long run search engineOptimization is the best bet to concentrate on.
Email marketing
can be profitable for any business, no matter what kind of product or service you offer. It is significantly cheaper than other advertising methods and, if done right, helps build loyalty and trust with customers. As a result, you generate more sales and more profits!
The foundation for successful email marketing is a targeted, permission-based email list. Marketers call contact lists their "goldmine" because it can generate much of their sales revenue. If you've built up a list of opt-in subscribers that are qualified and interested in what you have to offer, then you've completed the first step and are on your way. Now it's time to "mine" for gold!
Just think about it if you eventually get 10,000 sign ups (which isn't hard) each email you send with a product you offer or an affiliate link, 10,000 people will instantly read your email and even if 1% buy it you still have a big income just off one email, Its brilliant.
Generating income from your blog is challenging enough
You don’t want to be dealing with self-sabotage at the same time. It should feel genuinely good to earn income from your blog — you should be driven by a healthy ambition to succeed. If your blog provides genuine value, you fully deserve to earn income from it.
If, however, you find yourself full of doubts over whether this is the right path for you, you might find this article helpful: How Selfish Are You? It’s about balancing your needs with the needs of others.
If you do decide to generate income from your blog, then don’t be shy about it. If you’re going to put up ads, then really put up ads. Don’t just stick a puny little ad square in a remote corner somewhere. If you’re going to request donations, then really request donations.
Don’t put up a barely visible “Donate” link and pray for the best. If you’re going to sell products, then really sell them. Create or acquire the best quality products you can, and give your visitors compelling reasons to buy. If you’re going to do this, then fully commit to it. Don’t take a half-assed approach. Either be full-assed or no-assed.
You’ll see it in any field with relatively low barriers to entry. What percentage of wannabe actors, musicians, or athletes ever make enough money from their passions to support themselves? It doesn’t take much effort to start a blog these days — almost anyone can do it.
Talent counts for something, and the talent that matters in blogging is intelligence. But that just gets you in the door. You need to specifically apply your intelligence to one particular talent.
If you are very web savvy, or if you can learn to become very web savvy, then you have an excellent shot of making enough money from your blog to cover all your living expenses… and then some. But if becoming truly web savvy is more than your gray matter can handle, Don’t quit your day job.
Web savvy
You don’t need to be a programmer, but you need a decent functional understanding of a variety of web technologies. What technologies are “key” will depend on the nature of your blog and your means of monetization. But generally these elements as significant:
* blog publishing software
* HTML/CSS
* blog comments (and comment spam)
* RSS/syndication
* feed aggregators
* pings
* trackbacks
* full vs. partial feeds
* blog carnivals (for kick-starting your blog’s traffic)
* search engines
* search engine optimization (SEO)
* page rank
* social bookmarking
* tagging
* contextual advertising
* affiliate programs
* traffic statistics
Optional: podcasting, instant messaging, PHP or other web scripting languages.
Can you make a decent income online?
Yes, absolutely. At the very least, a high five-figure annual income is certainly an attainable goal for an individual working full-time from home. If you have a day job, it will take longer to generate a livable income, but it can still be done part-time if you’re willing to devote a lot of your spare time to it. make it always done full-time.
Blog Network Opportunities
With the rise in popularity of Blog Networks – bloggers are also being presented with more places to earn an income from their blogging – by writing for and with others. While it might be difficult to get a writing gig with one of the bigger networks – there are plenty who are always asking for new bloggers to join and who are willing to pay bloggers using a variety of payment models.
While there are distinct advantages of blogging for yourself – blogging for an established network who will handle a lot of the set up/promotion/admin/SEO etc has it’s advantages also. More and more bloggers are combining writing for themselves on their own blogs with taking on blog network blogs as additional income streams.
Business Blog Writing Opportunities
As blogging has risen in it’s profile as a medium more and more businesses are starting blogs. Many of these companies have internal staff take on blogging duties – but an increasing number of them are hiring specialist bloggers to come on and run their blogs. I know of a number of bloggers who in the past month or two have been approached for such paid work. Check out Bloggers for Hire if you’re looking for this type of work.
Non Blogging Writing Opportunities
Also becoming more common are bloggers being hired to write in non blogging mediums. An example of this as bloggers are increasingly being approached to write for newspapers, magazines and other non blog websites. Along side this is the rise of bloggers as published book authors.
Donations
Tip Jars and donation buttons have been a part of blogging for years now but this last year saw a number of bloggers go full time after fund raising drives.
Want to Learn More about How to Make Money Blogging?
Check out these resources that have been written specifically for bloggers wanting to make money blogging.
* ProBlogger the Book – basic tips about starting up a profitable blog.
* Blog Mastermind Blog Mentoring Program – one of the best coaching and training course going around on blogging.
* Blog Profits Blueprint – a free report on how to build profitable blogs.
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Philippines Light Rail Transit Public Transportation
The Manila Light Rail Transit System (Filipino: Sistema ng Magaan na Riles Panlulan ng Maynila),[citation needed] popularly known as the LRT, is a metropolitan rail system serving the Metro Manila area in the Philippines. Its twenty-nine stations over 28.8 kilometers (17.9 mi) of mostly elevated track form two lines. LRT Line 1, also called the Yellow Line, opened in 1984 and travels a north–south route. LRT Line 2, the Purple Line, was completed in 2004 and runs east–west.
The LRT is operated by the Light Rail Transit Authority (LRTA), a government-owned and controlled corporation under the authority of the Department of Transportation and Communications (DOTC). Along with the Manila Metro Rail Transit System (MRT, also called the Blue Line), and the Philippine National Railways (PNR), the LRT is part of Metro Manila's rail transportation infrastructure known as the Strong Republic Transit System (SRTS)
Stations
Santolan
Recto
Baclaran
Monumento
Cubao
The People Power Revolution was a series of nonviolent and prayerful mass street demonstrations in the Philippines that occurred in 1986. It was the inspiration for subsequent non-violent demonstrations around the world including those that ended the communist dictatorships of Eastern Europe.
A glimpse of Philippine culture through traditional dances and songs performed by some of the country's best dance groups.
In 1990, it was voted by the BMW Tropical Beach Handbook as one of the best beaches in the world
Barasoain Church (also known as Our Lady of Mt. Carmel Parish) is a Roman Catholic church built in 1630 in Malolos City, Bulacan.
Laguna de Bay (Filipino: Lawa ng Bay; English: Laguna de Bay is the largest lake in the Philippines and the third largest freshwater lake in Southeast Asia
Malacañan Palace, is the official residence of the President of the Philippines.
