Tuesday 30 August 2016

Crying it out - things you really need to know

Remember the scene in the movie "Lonesome Dove" after Gus (played by Richard Duval) saved Laurie (played by Diane Lane), who had been abducted and assaulted. Since her rescue she had been unable to speak, and they were camping on the way to join their friends on a cattle drive to Montana. They particularly enjoyed playing the game of poker together so he set up a table and cards for them to play. The beautiful memories of pleasant times brought tears in her eyes. He hugged her close in his arms and gently told her to let them flow, to cry it all out; saying something to the effect that what happened was in the past and that was the way to keep it in the past so it wouldn't follow her the rest of her life.


Truly those were wise words coming from a medium of entertainment. Just imagine what would happen if parents did that when their children starts to cry. Sure, no one likes to see their children in pain, and crying is a sign of extreme distress. However if they are not at the present time either injured physically or extremely uncomfortable due to external conditions such as cold and heat, or even very hungry, then maybe they just need to shed a few tears. Whatever the reason may have been to upset them is in the past; perhaps the tears are just a way of helping every person insure that the bad incident fades into distant memory.


For a number of us have experienced how beneficial crying can be. No matter how you try and resist the tears, but when they flow there’s relief, and what’s more a cleared head and new perspectives. In the same way, when young children are in someone’s loving arms when the tears flow, and at the same time are told that the bad feelings will pass, they will surely experience the same kind of relief.


Of course, this isn’t to say that is would be a great idea for kids to be encouraged to demand attention at any whim or to cry persistently. Parents at all times should use their judgment about where and when it’s a good idea to pause whatever they might be doing and give a child a big hug and let them know that its okay to cry. Or else, if you have something pressing to do, you can even say I've only got five minutes, but I’m all yours for that time, and maybe we can chat about it soon after.


For sure, this pertains to families where children and adults are basically normal people. For children who have either behavioral problems and act out often and extremely, you may want to consider calling a professional in some aspect of psychology or a pediatrician.


Monday 29 August 2016

How to get affordable homeowner s insurance in south carolina

For the vast majority of South Carolina homeowners, their home is, by far, their biggest and their most valuable asset. For this reason over 90% of all homeowner's in the state buy homeowner's insurance.


This is true regardless of whether a home is being financed or not. Obviously your mortgage lender has the right to demand that you purchase homeowner's insurance, but keep in mind that while your lender can require you to buy homeowner's insurance your lender cannot tell you which insurance company to purchase it from. This gives you the opportunity to find affordable homeowner's insurance here in South Carolina.


In any event there are several steps you can take that will lower the cost of your homeowner's insurance.


Start by making the outside of your home safe. Homeowner's policies cover injuries on your property, so the safer your property is the less you should have to pay for your insurance. Start by repairing or replacing any broken or buckled sidewalks or other cement. Fill in potholes. Replace lose or rotten boards in decks or porches and make sure all railings are secure. Let your agent know you've done this work.


Burglaries are also a concern for your insurance company. Install motion-sensitive floodlights, trim bushes away from all windows, install deadbolt locks on all exterior doors and make certain that every window in your house has a working lock.


A home security system that monitors your house 24/7 is an excellent idea and such systems can save you 20% or even more on your monthly homeowner's insurance bill - but check with your agent before purchasing any system as not all systems will qualify for the full discount on your insurance.


If you have a home-based business ask your tax man if all or a portion of your home security system could be written off on your taxes - this could save you even more money!


If you have a retired person 55 or older living in the home make sure your agent knows about it as this could save you money each and every month.


Did you know that the primary claim against a homeowner's policy is for water damage caused by a broken water line or a broken appliance connection? If your home is over 10 years old ask your agent how much you would save each and every month if you made a one-time investment in upgrading your plumbing and electrical systems.


Have you installed the proper number of fire and smoke detectors for the size and configuration of your house? Do they all have fresh batteries? Batteries must be changed twice yearly.


Do you have a kitchen-rated fire extinguisher in your kitchen?


Check with any clubs, organizations or associations that you belong to and see if any of them offer low-cost group homeowner's insurance.


Consolidate all your insurance policies with the same company. This will give you a rather nice Multi-Policy Discount on your homeowner's insurance.


If you've been with the same insurance company for at least 3 to 5 years ask if you qualify for a Long-Term Policy Discount.


Increasing your deductible is a fast and easy way to lower your monthly homeowner's insurance payment, but this is something that needs to be considered carefully as any increase in your deductible represents cash that you will need to come up with each year before your insurance will pay for any claims. Don't promise to pay more than you can actually afford.


Now find 3 different websites that allow you to make homeowner's insurance price comparisons from different insurance companies. What you want to do is to use the information in this article in order to fill out the form on all 3 comparison websites exactly the same - that way your comparison provides you with valid information.


Your next step is to decide which insurance companies you feel confident will still be here in 20 to 30 years, and then simply choose the least expensive from among those companies. That's it. That's all there is to getting affordable homeowner's insurance in South Carolina. So sleep well knowing that you are now saving as much money each month as you possibly can while still protecting your greatest asset - your home.


Families in the fast lane innovative solutions make get out and go easier and more convenient

Ask "stay-at-home" moms or dads about their day and what will you hear? Probably that they rarely stay at home! As Jill Clark, mom to 4-year-old Graham and 3-month-old Evan, says, "There are so many fun things for us to do-like going to the zoo, the science museum or a kid's craft event-that we just pack up and go. It can be a struggle to carry what each of my sons needs for an outing, but it's worth the effort to have such a great time together."


To help moms like Jill, and equally involved dads and grandparents, Fisher-Price has focused on making life easier for families with young children. The company's new line of Active Gear provides helpful solutions for real-life situations, adding convenience to a family's quality of life-so the good times don't have to wait.


A Day At The Park


Two kids and a day at the park can be a challenge. The classic red wagon is sturdy enough to tote the kids, but can be tough to travel with. The Kid Utility Vehicle (KUV) is a compact, easy-to-fold wagon that allows two children to ride. It folds flat for storage and has compartments for small personal items like a cell phone, keys and snacks.


A Trip To The Mall


A trip to the mall doesn't have to be an adventure with the Stand 'N Ride Duo Stroller, which has four modes: "infant seating," which accommodates an infant car seat and features a large basket in the back; "maximum storage," which offers traditional seating for one child and a large basket in the back; "back-to-back seating," which makes room for a rear-facing seat for a second child; or parents can use the "stand option" that allows the second child to ride standing up on the rear of the stroller.


Sports and Sleepovers


Kids love toting their own belongings but tire out quickly. The Stow Away Seat Pack is a full-featured backpack that easily converts into a portable, kid-sized seat when kids need a break or just want to watch dad play softball. The seat has storage on each side for drinks, snacks and books. And when it's off to Grandma's house, the Sleepover Nap Sack includes an inflatable mattress, foot pump and room to store overnight necessities like blankets and toys, so kids will always have their "special" stuff wherever they go.


Going On The Go


When kids gotta go, they gotta go! The Potty On-The-Go is a discreet travel potty for clean and sanitary training and helps maintain potty training momentum so kids never miss a beat. It has a disposable bag and absorbent pad system to keep things neat and the foldable legs allow the potty to be stored in a convenient tote bag.


Family Supplies


If it's too hard to decide what to take along, take it all! The Family Care Pack is a full-size backpack with an insulated pocket for food and drinks, an electronics pocket with a headphones pass-through port for CD players or MP3 players, and external mesh cargo net for wet clothes. And when kids get hungry or thirsty on those day trips or errands, the Chill Out Cooler Pack can store food and drinks in the large, insulated, leakproof compartment.


Fertility after forty

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The most fertile years of a woman's life are those between 18 and 28. Even into the mid-thirties, it is usually fairly easy to conceive and carry a pregnancy to term. During these years the hormones that control ovulation, enhance conception, and ensure a healthy pregnancy are usually made easily and in generous quantities. And detrimental life-style choices have not had decades of repetition to create chronic problems.

But more and more women are waiting until their late thirties, early forties, even late forties, to have children. Is this too late? Are these destined to have high-risk pregnancies? Will these children have more birth defects?

The answer to these questions - and others like them - is "no!" for wise women who enlist the help of green allies to increase fertility, ensure conception, prevent birth defects, and promote a healthy pregnancy and an easy delivery.

INCREASING FERTILITY; ENSURING CONCEPTION

Increase your chances of conception by meditating. Cultivating a calm attitude, not surprisingly, enhances fertility. Even taking a quiet five minutes alone just for you, free of all responsibilities, can bring big results if done frequently enough.

Use lunaception to time your ovulation so you have the best odds of conceiving. It's fine to have sex in the weeks before ovulation, especially if the sex is focused on the woman and her orgasm, but do save your best efforts for those three nights when your "moon" is full and bright and ready to frolic.

Orgasm on the part of the male is necessary for fertilization. The woman's orgasm does increase the possibility of conception. Women who experience orgasm after their partner (up to 40 minutes after his ejaculation) have the very best chance of becoming pregnant.

Red clover is the single best remedy for women over forty who want to conceive but can't - even if there are medical reasons for not conceiving such as blocked tubes, diabetes, ovarian cysts, internal scarring, or endometriosis. There are many heart-warming success stories I could share about red clover! But suffice to say, drinking 2-4 cups of the infusion of the dried blossoms (neither tincture nor tea nor pills will work for this application) seems to do wonders for fertility, no matter what your age.

PREVENTING BIRTH DEFECTS

Boosting your nutritional status makes birth defects less of a worry. Women who drink 2-4 cups of stinging nettle infusion daily and eat cooked leafy greens as well as lettuce salads are getting the abundant folic acid, calcium, magnesium, and other minerals needed to create a healthy baby. (Tinctures, pills, and teas contain little or none of these important nutrients.)

Vitamin E is an especially critical nutrient for fertility after forty and freedom from birth defects. Freshly-ground wheat flour, cold-pressed oils, and nut butters are all good sources of vitamin E, as are stinging nettle infusion and most cooked seaweed, such as kelp. The man's vitamin E level has as much, if not more, bearing on freedom from birth defects as does the woman's vitamin E level.

Avoid heat, both of you. Hot tubs, even prolonged soaking in a hot bath, can cause temporary (up to several months) sterility in some men. In women, it can endanger the early embryo and trigger a miscarriage or birth defects.

Avoid drugs, both of you, including alcohol, tobacco, coffee, as well as over-the-counter drugs and prescription drugs (except those you absolutely need). Your liver needs to be strong and so do your kidneys, so you can conceive and gestate a child. Instead of alcohol, which damages the liver, drink herbal infusions or alcohol-free wine or beer. Instead of tobacco, which may contribute to birth defects and low birth weight, try smoking a little dried peppermint, or, better yet, go for a walk. Instead of coffee, which challenges the kidneys, you may wish to drink green tea or black tea, or try coffee substitutes, especially the one made with dandelion roots. Instead of drugs to ease everyday aches and pains, use the gentle herbal remedies in this book instead.

EMOTIONAL ISSUES

Ambivalence about pregnancy and parenthood is normal and natural. But the older a woman gets, the more complicated her emotions about it may be. Add to her emotional soup pot strong opinions from family and friends, confusing information spread by the popular media, and fear-inducing pronouncements from "helpful" medical professionals, and that pot will be in danger of boiling over. Herewith then, some wise woman hints for keeping your cool in the midst of overt and covert confusion.

Contrary to current opinion, having children in your forties is ordinary and common worldwide. The Bible mentions several women having children in their fifties. What is unusual and unique to our time is having a first child in one's forties. Our mother’s, mother’s, mothers were having their fifth or eighth or tenth child when they were in their forties, not their first. If people tell you it just isn't done, close your eyes and call upon the spirit of your great-great-great-great grandmother, then smile and tell them it seems utterly ordinary to you.

Feeling tense and distressed about choosing or refusing motherhood? Motherwort tincture is my favorite calmative. A dose of 10-20 drops helps clear your mind, eases your tension, and assists you in discerning the best path to follow.

Bach flower remedies excel as helpers when you are feeling emotionally overwhelmed. Try:

  • Aspen when you feel anxious, apprehensive, or afraid of the unknown.

  • Mimulus when you are dwelling on a specific fear.

  • Elm when you feel overwhelmed or inadequate.

  • Red Chestnut when you are afraid for or worried about your baby to be.

  • Rock Rose when you are trembling, shaking, or weeping from anxiety or fear.


Regular gentle massage or Reiki treatments not only help you calm your distress, they also guide you in creating a strong center that's resistant to being pushed around by other people's opinions. Massage and/or Reiki also help prepare your mind/body for a healthy pregnancy and a safe birth.

SPECIAL ALLIES FOR PREGNANT WOMEN OVER FORTY

The single most important herb for pregnant women over forty is comfrey (Symphytum uplandica hybrids). The leaves of the mature plant contain an abundance of constituents beneficial to mother and babe, including generous amounts of minerals, alantoin, proteins, and many vitamins. The minerals in comfrey help ensure healthy nervous system growth; the fetus’s developing brain uses the proteins. And the alantoin helps the mother's tissues become stretchy and elastic.

Aging can lead to increased stiffness and brittleness in bones and muscles, making pregnancy more arduous and painful, labor slower and more difficult, and injury more likely during birth. The hormones of pregnancy, which help soften and relax the pelvic tissues, may not be produced in adequate amounts. Comfrey comes to the rescue! Comfrey creates flexible and strong tissues throughout the body especially mucus surfaces (including intestines, uterus, bladder and vagina), the bones, the ligaments and tendons, and the skin.

Regular use of the leaf infusion, at least a quart a week, promotes a safe delivery by:

  • strengthening uterine muscles and preparing them to work easily and well

  • strengthening perineal tissues so they become resistant to tearing

  • strengthening uterine ligaments so the uterus does not prolapse

  • strengthening the bladder and increasing resistance to bacterial infection

  • strengthening the vagina and helping to promote an environment hostile to infection

  • providing easily assimilated minerals to prevent eclampsia and other complications

  • helping the bones of the pelvis flex and open during birth

  • increasing iron in the blood and thus forestalling post-partum hemorrhage.


I harvest the flowering stalks when they are fully formed; and I am careful to use the cultivated garden comfrey, which grows very tall and has purplish, pinkish, bluish flowers. I avoid wild comfrey, which stays rather small even when flowering, and has cream-colored, white, or yellowish flowers.

Some people feel that comfrey is not safe to use during pregnancy. Some people feel comfrey is not safe to use internally at all. I disagree. The roots of comfrey do contain compounds that are best avoided during pregnancy (as do all parts of the wild plant). In fact, I rarely use comfrey root because of the possibility of liver congestion, and I strongly caution those who have had hepatitis, chemotherapy, or alcohol problems to strictly avoid comfrey root. Yet even these people can benefit from use of comfrey leaf infusions.

Another important herbal ally for women over forty who desire a child is chaste tree (Vitex agnus-castii). It has been used in Africa and parts of Europe for several thousand years to discourage the male libido. In women, the effects seem to be the opposite! It may also be a fertility enhancer. Most importantly, chaste tree is a strengthening tonic for the pituitary gland, the master control gland for the endocrine system. Daily use of the tincture of the berries (1 dropperful/1 ml 2-3 times daily) had been shown to increase progesterone - the hormone of pregnancy - and luteinizing hormone - which promotes conception. Because it can lower prolactin levels, chaste tree is best discontinued during the last trimester of pregnancy.

Dong quai (Angelica sinensis) is not recommended for women over forty. In general, this herb promotes blood flow to the uterus and surrounding tissues. This can promote the growth of fibroids and increase the risk of post-partum hemorrhage. Ginger is a better warming tonic; motherwort is better at relieving pain; and raspberry is better at preparing the uterus for birth.

Susun Weed
PO Box 64
Woodstock, NY 12498
Fax: 1-845-246-8081

Visit Susun Weed at: susunweed. com and ashtreepublishing. com


For permission to reprint this article, contact us at: susunweed@herbshealing. com


The best greece tour and travel

This tholos tomb with stone dome, the largest known, was plundered in antiquity. An access passage (dromos), bordered by a peudo-isodome wall, leads to a faŠ·ade 10.5 metres (34 feet) high. The door opens on to a rotunda, 14.6 metres (48 feet) in diameter and 13.5 metres (44 feet) high, with a masonry domed vault of 33 regular courses; some blocks bore a metal decoration, probably of 'patera' form. This door has a pyramidal shape which is also found in Egypt, and which reappears in classical architecture. The lintel is made up of two enormous blocks; the inner one weighs about 120 tons. The void triangle above it is characteristic of Mycenaean architecture: it serves to deflect the thrusts of the upper part of the building on to the supports of the door. No other Mycenaean building can boast such exact stone cutting, nor such refined proportions; not for another 1,000 years in Greece was such technical perfection put at the service of such a grandiose architectural design.


Olympia is one of my favorite’s archaeological sites in all of Greece. You can almost feel the magic of the ancient Olympic Games and service as you stroll around the ruins.


The first Olympic Games were held in 776 BC and reached their height of popularity in 576 BC. The festival was open to only Greek born men but later Romans were allowed to compete most likely because they were running the country by then. Slaves and women were not even allowed to be spectators and women caught sneaking in were thrown off a cliff. The events included foot races, wrestling, discus, javelin, long-jump, horse and chariot racing, and a type of boxing called pancratium. There were not only athletic events but also writing, poetry and history readings, plus business transactions and treaties were made between leaders of city-states.


Meteora is an area in Thessaly (Central Greece) and Kalampaka is the city under


the rock towers of Meteora. The thing that makes Meteora so special is the monasteries on the top of the rock towers. The monasteries, the amound of peaks to climb and the paths for hiking brings in Meteora the whole year many tourists.


The Delphi Museum is situated right next to the ancient site of Delphi, and is a fascinating museum, filled with truly remarkable artifacts, statues and findings from excavations that have taken place in the site of Delphi. The main building of the museum is a shining white marble structure that is very modern, considering the ancient site next door that dates back thousands of years.


On approaching the museum from the walk from the entrance/exit of the archaeological site, you will follow a small path that passes through several relics and tombs located outside of the museum.


Rhodes (Rhodos or Rodos in Greek), lies between Crete and the near East in the Aegean ocean. Rhodes is the biggest of the Dodecanese islands. Named the sun island or island of light there are hardly any days when the sun doesn't shine. With its subtropical climate and over 3.000 hours of sun per year you can be guaranteed a good tan on your holiday. Rhodes is one of the most popular holiday islands in Greece - even Greeks themselves come to Rhodes for a holiday from the mainland.


For More Information: right-travel. com/country. php? id=5&c=Greece


Sunday 28 August 2016

How to raise your kids in a balanced way

Although many everyone has their own different styles of parenting, there are 4 main styles of parenting. These four different styles are authoritarian, authoritative, permissive, and than uninvolved.


Uninvolved parenting is really just a lack of parenting. It is hard on children and should not be the way of parenting. Kids suffer issues such as feelings of rejection, lack of self esteem, and issues with trust. In the long run the children are harmed emotionally.


Authoritarian, authoritative, and permissive styles describe a range of styles. Authoritarian parents are at one end of the spectrum. This kind of parenting tends to be high in structure and low in responsiveness. Permissive parents are then located at the opposite side of the scale. This parenting style tends to be low in structure and high in responsiveness. Authoritative parenting tends to be located in the middle of the scale, and is a balanced parenting style. There are many different parenting styles out there; these three represent a very wide range scale.


Structure is important to authoritative parenting. There are clear rules and limits and children know that there are consequences for their actions. Routines and schedules help provide a sense of stability for children. For example, a child knows when bedtime is, and a teen knows when curfew is, and both know what will happen if he or she is late. Stability in this sense allows children to feel secure, and that, it turn, allows for an all around better atmosphere. There is flexibility in authoritative parenting that allows the parent to bend the rules on occasion. Like if a child would like to stay up late to watch a favorite TV show.


Authoritative parents also are responsive. Children have a voice in the family and the input is value. Mom and dad respond to their children's needs and problems and are sensitive to their children's emotions and feelings.


In authoritative parenting, decisions are made collaboratively. Children have a choice, but only up to a certain point. Parents should listen to their input, and take into consideration what the child is saying, and feeling, but the final decision lies with the parents. These types of families function as a team, and different needs are accommodated for. This results in less conflict and more balance.


Authoritative parenting is a balanced parenting style. Structure and responsive are both high. The parents are involved with their child's life, and are flexible, but they still are parents. There are structures, limits, rules and boundaries, but they are not rigid. Children with this kind of parenting tend to do well socially and functionally in life. They tend to not get into problems and not to have serious emotional problems. This type of parenting is balanced, and produces balanced children.


Saturday 27 August 2016

Nba playoff betting is the zigzag theory valid or poppycock

About this time two years ago, I watched as on one of the fine betting sites there was a not-so-subtle back and forth of the validity of the so-called zigzag NBA playoff system.


The method simply says go with the team off of a loss. A critic came back after the first week or so gleaming over the fact the technique zagged and sagged more than it zigged. It lost money. Then as the playoffs went on, the proponent got the last laugh while the cynic wrote articles on other topics telling you he is smarter than everyone else.


Having been in the industry since the 1980s and having been a supporter of computer systems since prominent statistician Dr. Mike Orkin wrote his Pointspread Analyzer software, where does Center of the Handicapping Universe stand?


We agree with the theory, but less so the etched-in-stone considerations. First of all, let us give a quick refresher of the difference. A system can be measured objectively because the parameters are concrete. The zigzag is an example. Going with a double digit favorite off a single digit loss would be another hypothetical.


Of course there can be modest variances depending on when and where a database gathers lines, but over any statistically significant period it does not make a huge difference.


A theory is much like a system but does not have objective parameters. Our theory is the better the team is that the zigzag system favors and the bigger the margin the loss was, the more compelling it is to "go with the team off a loss."


True one could come up with a system to measure our upgrading of the methodology. An example would be going with a team with a winning percentage of .575 or higher off a loss of eight or more. The problem is we believe a mental sliding scale combining and most importantly, weighing the two factors works best. It allows for a mixing and matching of the two parameters.


For example, this year as in most years, it would not apply or would only be weighed slightly if we are talking about the bottom three seeds in each conference off a loss. There is a reason they are called "mismatches".


No. 4 versus five and the next three rounds of the playoffs (barring huge first round upsets), it is weighed much heavier. Remember we told you the mocker grew conspicuously quieter as the postseason went on. Now you know why.


It’s one of those theories that almost make too much sense. During the regular season of every sport we remind you of the Golden Rule to not merely go with the "team that needs it more" if said team is fighting just to make the playoffs.


We call attention to the fact if a team were proficient at winning "must win" games they would not be playing in must-win games late in the year.


Conversely, a one through five seed, especially as the playoffs go deeper, has shown the ability to rebound from adversity and respond when their backs are to the wall.


To the handicapper there is a titanic difference between desperate elite teams and equally desperate inferior teams playing in a crucial contest. It’s like the difference between seeing Jennifer Lopez and Rosie O’Donnell in a string bikini.


Okay, I don’t follow the analogy myself, but the exemplification of the distinction is infallible. From a handicapping standpoint one can’t measure the success of the zigzag if Phoenix coming off a loss is given the same weight (no pun intended Rosie) as Washington or Golden State following a setback.


Likewise, the margin of the loss is applicable for at least two obvious reasons. As we have said many times, nothing affects public perception more than the last game they have seen. It’s not uncommon for a blowout in the previous game to influence an opening line by 2-3 points and more times than not, the closing line by more.


Plus, no matter how motivated and well-coached a squad is, it defies human nature to approach a game with as much vengeance off a 22-point win as it is for the team off the huge setback.


So to friends and foes alike of zigzag, a .700 or better team off a loss is not even close to being the same as the below .520 teams zigging. Nor is mindset the same for a team that lost a game that went down to the wire the same as one that got humiliated on national television.


Wednesday 24 August 2016

Common mistakes in writing term paper

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Some term papers are designed and completed in two steps. First, you should present the draft of your paper to the tutor. Usually, your tutor makes acquaintance with it and can evaluate it as your term paper. Nevertheless, the writing of the draft is not a prerequisite, but it might be advisable to complete it. It allows your tutor to correct some of the mistakes that you may have made. The second is the designing and completion of the term paper. The first step is to research the problem. One should be very specific on it; study it thoroughly just in order to present it well. Investigate the sources. One should avoid using text books as the primary sources for your term paper. You should remember that many of periodicals are not considered as the primary sources either. However, you should concentrate on getting your ideas from the texts.

These ideas can be used as your inevitable guide to the primary sources. Also, remember that despite huge development in the internet, the web sites are not credible references. Many tutors around the world do not recognize the references from web sites as the credible ones. If, however you have found some useful information on the web site, you should try to find out the list of the resources that were used for this site. Nevertheless, one should make sure that the references are really credible ones.

Make sure that you paper written corresponds to the reference format set by your tutor. Do not forget to use parenthesis or citations, where they are required. One should not forget that only those references that have been used in the designing of your term paper must be used. Try to avoid using the reference just because you have read it. Write as many pages as you have been requested; your term paper should fit to the instructions set by your tutor. Be succinct, yet nevertheless your term paper should not be too short. Needless to say your term paper should be submitted without plagiarism. The best and most common way is certainly paraphrasing; however do not forget to cite the sources of your ideas. Learn more about it here.

Custom Term Paper Writing Service

Monday 22 August 2016

Constant access with stock trading online

In a world built on capital, we humans are forever vying for that next big money-maker. It seems that everybody forever desires more cash. Some strive for a senior education; others compete for that big promotion. No worry what the method, we all find a way of increasing our income. Investing is a customary form of making an added buck. With the obsession of the stock market in gorged affect, many of us chance on that up-and-coming business, or upright product that has the latent to fuel in value. We know that shares can sky-rocket in appraise if purchased at the right time. A blessing to many investment junkies is stock trading online. The stock market is now at your fingertips.


If you've never played the stock market, it may be time to inhibit it out. Many people make millions in selling and selling. Haven't you heard about the UPS shares? Those people got rich. It's amazing where a little chance can take you. With stock trading online somebody can have constant access to the market. Hop on your computer and inhibit out the websites that can help you with this process. It doesn't worry if you're looking to squander a little or invest a lot, there is something just waiting for you. The great thing about the Internet is the information. You can find an abundance of trading tips and truth about the stock market for free. This way when you commence stock trading online, you won't be in the dark.


We hope that the first part of this article as brought you a lot of much needed information on the subject at hand.


A few living back, my best friend hopped on the stock market bandwagon, and purchased some shares. When he began this little venture, he purchased on the recommendation of a partner who had been trading for years. After selling a number of shares at 10 bucks a pop, he was keen to go. It wasn't long before the shares had amplified to 60 bucks a pop. He took the innocent road and sold immediately. I think that this was a astute decision. He made the currency and puzzled nothing. With stock trading online, shrewd when to fold is key. Just like with gambling, you have to know when to currency out. Make some money, but don't get greedy. Before you know it, the shares have dropped below your purchase price. Stock trading online is a amazing way to veer a profit and make that added cash. Before you skip online and flinch investing, inhibit out some websites for figures and pointers on the contest of stock trading. A better understanding of the affair will pay off in the end.


Sunday 21 August 2016

Portable duplex scanner

Having a portable duplex scanner in an office setting is a good idea. After all, the benefits of using one of these are varied. That is why so many small and large businesses like to have at least one portable duplex scanner on hand. If you are doing business without one of these you may be just fine. But guess what? When you incorporate a portable duplex scanner into your workplace you will be able to take things to the next level. And as you know, anytime that you can save money with your business you are doing yourself a huge favor.


The nice thing about a portable duplex scanner is that you can capture both sides of a document with one scan. This is much better than having to scan a paper twice, and have two separate documents once you are done. If you find yourself scanning double sided documents day in and day out, a portable duplex scanner is something that you cannot afford to pass by. The bottom line is that this will cut down on the time that you spend scanning documents, and will also save you quite a bit of money along the way as well.


The Scanshell 3000DN is quite possibly the best double sided scanner on the market today. Although this scanner does have some competition, the fact of the matter is that it usually out performs in every area imaginable. For instance, the image quality offered by this portable duplex scanner is among the best of the best. And when it comes down to it, most people are interested in quality when dealing with a scanner.


All in all, a duplex scanner such as the Scanshell 3000DN can really help to take your business to the next level. The benefits are endless, and once you use this portable duplex scanner once you will be turning to it time after time.


Love - forgiveness is true love

Most of the lovers do not forgive their loved ones. They may forgive their sworn enemy, but they may not forgive their lover. Do you agree with me? Why is this so? It should have been exactly reverse. Why, let us discuss.


What is love? What do we understand by loving someone? How is love different than other relationships and emotions? In love, we give our whole mind and heart to our beloved. We try to keep our beloved most comfortable. We take care not to hurt our darling. In love, we care for each other. We are in the mood of giving in love. Giving always gives more pleasure in love than anything else.


If our darling makes a mistake, shall we berate them? Shall we blame them and give them pain? Shall we hold it against them forever? Shall we call them betrayer? If we do all this then it is not love, but a business relationship. I have given you so much now you give your truth, faithfulness and everything else in return.


In love, we have to forgive. We have to pacify our beloved that mistakes are a way of life and everybody does them. We have to tell them not to worry and we are with them. We have to tell them to stop thinking of what happened and think of good things and try to live life joyously. But a majority of us behaves in reverse. That is our failure. It was never love to begin with. If you believe that you love your darling, please learn forgiving.


Saturday 20 August 2016

What bruce springsteen taught me about writing

This year marks the 30th anniversary of the release of Bruce Springsteen's groundbreaking album Born to Run. Columbia Records is celebrating by re-releasing the disc with lots of audio and video goodies including interview material of Bruce discussing the writing of this seminal work. I'm a fan, so you can imagine I've been gobbling up this stuff like Thanksgiving came early! What's hitting home for me is hearing about how Springsteen's back was really up against the wall while he was creating this album. His record label was considering dropping him so he knew he had to make something happen. When people ask me "how do I know if my work is good enough?", I think of Springsteen because surely he wasn't asking that when he was trying to figure out what to write. The answer could have been "it's not" if he had asked someone at his record company. He had to work and learn for himself how to tell if his work was good enough. This is what I learned from how he did it.


1.) Learn From the Great Ones


In the summer of 1974 Springsteen could have been lamenting the fact that his first two albums had not been successful and he was living in a tiny house in New Jersey while the country was in the throes of a severe economic depression. But he wasn't. He was focused on his songwriting. "I had a record player by the side of my bed," he wrote in his book, Songs. "At night I'd lie back and listen to records by Roy Orbison, the Ronettes, the Beach Boys, and the other great '60s artists. These were records whose full depth I'd missed the first time around. But now I was appreciating their craft and power." Notice he wasn't saying "There's no way I can create songs like that!" Instead he was considering "what can I add to the conversation?" He was getting inspired and educated at the same time.


2.) Aspire to Be Great Yourself


In an interview about Born to Run, Springsteen says he knew his record company was about to drop him. He added, "I knew I had to write something great." Springsteen didn't have to write something great. He could have folded up his tent and said, "they don't like me, I'm just gonna stay in Asbury Park and play where people appreciate me and that's it." But he didn't do that. He also didn't ask whether he was good enough. He simply challenged himself to go beyond himself--to be great. Ask yourself: what are you writing right now and is it challenging you to be great? What would it take for you to start thinking this way?


3.) Find Trusted Ears for Feedback


Yes, it is hard to know on your own whether you're on track with your writing. That's when you recruit your own inner circle of readers whose ears and eyes you trust. Jon Landau became one of those trusted pairs of ears for Springsteen. They became friends during the writing of Born to Run and Bruce often sent Jon, then a Boston music critic, tapes of the work as it progressed. When the work stalled, Landau was the one who came in and helped Bruce put it all together. Who can be those ears or eyes for you? Try to keep the inner circle small. If you have too many opinions showered on your work it may cloud your creative judgment.


4.) Try Something Different


Most of the songs on Born to Run were written on piano--this from a guy known for his raucous Fender guitar. But writing on piano gave Springsteen new ideas and presented new opportunities for him to explore. It also gave the album an amazingly emotional and intimate vibe that I find intoxicating. What can you do differently that can inspire a leap to your next level? Set your novel in 1905 instead of 2005? Write from the point of view of the opposite sex? Be a little creative with your non-fiction? Take a chance. No effort is ever wasted even if you're writing badly--you can still learn from what you've done wrong.


5.) Think Local, Write Global


One of the changes Springsteen made with Born to Run was that the characters in his songs were "less eccentric and less local" than the ones on his previous albums. The people in Born to Run "could have been anybody and everybody," he says. "When the screen door slams on 'Thunder Road', you're not necessarily on the Jersey Shore anymore. You could be anywhere in America." And it's true. Millions of people connected with--and bought-- Born to Run. I sought the same kind of connection for my novel. Though the family in All I Need to Get By is African-American, I've had readers of all races tell me how they have seen themselves in one or more of the characters and how they related strongly to the book's family issues. Touching people in this way is key to developing an attentive audience. How can you open up your work to a larger audience while still being true to your story?


If you still have doubts, think of this quote from Ralph Waldo Emerson: "Whatever course you decide upon, there is always someone to tell you that you are wrong. There are always difficulties arising which tempt you to believe that your critics are right. To map out a course of action and follow it to an end requires...courage." Be courageous for yourself and your writing. Your own Born to Run may be waiting to come out.


© 2005 Sophfronia Scott


What does it mean to be an expatriate part 1

Do you want to leave your home country because of taxes, limited work opportunities, or do you just have a desire to live a different life? Do you want to find better options for a better life elsewhere? Are you planning to make this happen? If so, you are part of a new trend of people called “expatriates.”


The dictionary definition of the term "expatriate" or "expat", means one who gives up their residence or citizenship. As suggested, the reasons are often for tax benefits. Nowadays expatriation is more and more common. People are moving to a place that makes financial sense to them, a place where there is less government interference, and a place where they can find better economic opportunities.


The trend is that many people feel that they are working harder and longer days with no real benefit in return. Government regulations are becoming stricter and they seem to be impinging more and more on one's personal life. It stands to reason then that one might start looking at other opportunities with less taxes or even tax benefits for investing in a new land. In many of the developing countries, the governments work with you as they see you as hope for their country’s new future. Why not go someplace that offers much lower or even zero income taxes, and a higher standard of living for less money.


The amazing modern technology that is available to us these days opens up the possibilities and freedom to live wherever you want. All one needs is a computer, high-speed Internet access and a phone for you to be in business, which can be conducted from anywhere, and at anytime. Electronic banking also makes living abroad a whole lot easier and more feasible. You could have your money in the UK for example, while you live in Panama. You can move your money anywhere you want to and if you have done your homework, you can move your money to wherever you would like and gain the best interest or returns. In many cases, this is completely tax free, and without government interference.


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It makes sense then to do your research and if you plan to expatriate to choose the best country for you. You, with your work and business skills, financial means available to you at the time, may be a big benefit to other countries, which offer better and freer lifestyles.


There are many hotspots today that expatriates are moving to. Countries such as Argentina, Belize, Brazil, Chile, Croatia, Ecuador, France, Honduras, Italy, Malaysia,


Portugal, Romania, Nicaragua, Panama and Thailand to name but a few.


Are you having difficulty in choosing where you would like to live? Next week, I will give you ideas and suggestions at how to go about this.


Have a great week.


Quote of the week


“Unless you move, the place where you are is the place where you’ll always be.” Ashleigh Brillaint.


Share of the week


Are you planning to move and live in another country? Where do you plan to go? We would appreciate your knowledge and feedback on the benefits of moving to this country.


Wedding crasher why crash your bash

A party is not a party without a gate crasher; uninvited guests seem to appear more at weddings than that of other celebrated events. You will know of a Wedding Crashers presence by his/her supping of your beer and the filling of their belly with wedding cake.


Wedding crashers have the audacity to join in with your celebrations uninvited, the mere cheek of it but you have to give it to them for having the guts to attend the party without an invitation.


How you tackle the wedding crasher is up to you but heaven forbid should he/she be the size of the hulk then approach with care. Wedding crashers are cunning when providing you with an explanation as to who they are, expect the answer to be something like, don't you recognize me its Joe, Joe Bloggs cousin of and so and so.


The bride and groom is easily side tracked in believing the wedding crasher due to the fact that mum/dad did have relations that they had never met.


A good way for the wedding crasher to gain entry to the reception is to soften the happy couple up with a gift; you will find this usually does the trick.


Most wedding crashers excuse for attending the party is to say they are a member of staff where they pose as a waiter or florist tending to all flowers needs where the wedding reception is held. If the reception is in the married couples garden then forget it.


What is the best time for you to wedding crash well that is easy late into the evening when the party is in full swing. Why you ask, well all gathered at the venue will have had their fair dosage of champagne which will hamper their vision where they dont get to see you or on the other hand the alcohol affects may differ where they have a double vision sighting. So we now have two wedding crashers (the terrible twins).


Security may be provided for your venue if your chosen establishment offers this service but in case they do not then be sure to handle people especially those without an invitation with caution. If your wedding crasher is causing you concern then call the police and have them removed from the premises by the boys in blue.


Why do wedding crashers crash well the reason being is they are fully aware of the effort you put in behind the preparation of your reception and therefore know this is going to be the best bash to crash on that night.


Outdoor fireplaces can add fun to the backyard

More and more families are reacquainting themselves with the fun staying and home and entertaining has to offer. Whether this is by personal choice or it's deemed best for finances, the reality of the matter is staying at home and having a little backyard fun can make for some great memories. One of the things that can be added to the landscape to really kick up the entertainment appeal of a home are outdoor fireplaces.


Professionally designed and even homemade outdoor fireplaces can offer a lot of perks for a regular backyard landscape. They can be made to serve a number of different purposes, too. Here are some of the top reasons families consider these fireplace creations:


* Beauty. Outdoor fireplaces can be nothing more than beautiful things to look at. Those who enjoy sitting in their backyards over the indoors often add these to the landscape to create a conversation peace for friends, family, and guests.


* Affordability. It is often simply a lot cheaper to add a backyard fireplace to a home than one that's included on the inside. Since they won't require structural changes to the house, these are great choices for those on a budget that still want to enjoy the beauty of a fireplace.


* Heat. Many geographical locations are just a little too nippy to enjoy the outdoors for too long. Outdoor fireplaces can extend the ability for a family to enjoy dinner on the back porch for a few more weeks going into the winter and even longer. For this alone, many families find backyard fireplaces great choices to add. They are also wonderful options for use at "bonfires" as they tend to be a bit safer.


* Cooking. Outdoor fireplaces that are built correctly can double as cooking devices, too. This means real wood can be used to cook everything from marshmallows to hot dogs, steaks and more. Depending on the size and design, an outdoor fireplace might even work as a brick oven for making outstanding, outdoors pizzas and more, too.


* Entertaining. There's just something comforting about lining up chairs and a table in front of an outdoor fireplace for outdoor entertaining. This is another big reason why many families add these to their backyard landscapes. When included in full backyard kitchen designs, these can be amazing to have around.


Outdoor fireplaces come in two basic types - those that people make themselves and professional installations. Both are more than acceptable to use, but it's important to make sure these fireplaces have proper screens and grates, are designed to contain the fire correctly and offer proper ventilation. It's also a good idea to ensure they are located in a place where any flying embers won't cause a fire hazard and do keep small children away from them when they're in use.


Providing a way to make a backyard truly spectacular, outdoor fireplaces have a lot of practical purposes. Beyond their looks, these devices can be great for cooking, heating and more. Generally more affordable than their indoor counterparts, these designs can be as elaborate or as simplistic as a homeowner might desire.


Friday 19 August 2016

Chrome stools put you in the driver s seat

You jockey for position, but cannot seem to overtake the other vehicle or get that coveted inside track. Then suddenly, your car surges forward, about a car-length ahead of your nemesis. The other vehicle returns the favor by streaming past your automobile. This back-and-forth position changing continues until the final stretch. Neck-and-neck, both cars dart along the track, as if following a script, towards the finish line. Both you and the other vehicle speed underneath the checkered flag, in a down-to-the-wire photo finish. Suddenly, the noise of the crowd dies out, and you slowly open your eyes. Instead of being seated in a Formula One, you find yourself in one of the room's comfortable chrome stools.


Chrome, Chromium, and Chromite


Chrome can be used on numerous automobile parts. We have seen chrome before, but what exactly is it? Chrome is a thin sheet of chromium that is placed on metal that could corrode. It helps to prevent stains and makes the surface brighter. Chrome is made from the element chromium, which is a hard, shiny, element. It is mainly found in the mineral chromite. Besides automobiles, chrome can also be used on several other products, such as household fixtures and chrome stools.


Car Chroming


Chrome can be used on numerous products found on a car. Two of the most popular are hubcaps and rims. Chrome-plated hubcaps can frequently be spotted rolling down the street, and are featured on various automobile shows, music videos, and in automobile magazines. Today, there are even shops that specialize specifically in chrome hubcaps and rims. However, chrome can be added to other parts of the vehicle as well. That includes the grill, the engine, and even the manufacturer's emblem! Placing chrome on these parts helps to increase the life of one's precious investment. Though chrome stools have no hubcaps, or wheels for that matter, they can still represent the longevity and attractiveness of the plating.


Chrome Construction


When you look at chrome stools or see four glimmering chrome hubcaps rolling down the street, do you ever wonder how parts of the car are chromed? Before chroming a part, it must be polished until it shines. The purpose is to remove the imperfections in castings and also avoid future chrome platings from sinking into tiny surface imperfections. Careful preparation must also be done when chroming hardware, particularly to prevent losing any parts. Lastly, cast wheels must be polished cautiously. This seals the surface and gives the chrome and nickel plates a smooth surface. Chrome stools also undergo a similar process when parts such as the backrest, footrest, stem, and base are chromed.


Chrome gives today's automobiles a special "bling bling" shine that sets them apart from the others. Though chrome stools are less mobile, the plating gives them the look and durability for all of your sitting needs. There is no doubt about it. Chrome stools put you in the driver's seat!


Thursday 18 August 2016

Refinancing mistakes and misconceptions

It is often the biggest mistake we make when attempting to refinance by overlooking and disregarding equity lines that are right around us and that can possibly be sourced with a little ingenuity. You never overlook any possible source of finance when building a property portfolio. This is a common mistake that can cost us a lot in the future as without the right financing we will be subject to things such as higher interest rates as well.


When we look at the equity available around us we also often limit it to our own belongings. This is not a bad practice however when looking to build out we have to think at a deeper level. In our list of equity lines we should in addition to our belongings have a potential list of persons that we can approach to sign with us as guarantors or even as joint owners. This is important to consider in tandem with refinancing.


There is no need to look too far when compiling this list and in fact this list should be close to home for the most part. Ask yourself this question, "Do you know anyone that owns their own home?" I am certain the answer will be an outstanding yes. What about someone that has their own business? These are all options when you are looking for someone to give you that last edge towards getting a loan or even in given you the additional boost so that refinancing is easier to accomplish.


You can use your own resources such as your own equity and any savings you may have and refinance as well but the importance of a guarantor is often overlooked. It is hard to get that loan if you have the requirement of a large amount or sum of money. Even with equity and savings there is no guarantee that the person that is approving the loan will be sufficiently convinced of your ability to repay and hence refinancing is easier with that additional guarantor. It also helps that this person is willing to go out on a limb for you so the provider of the loan is able to establish some level of trust that you are capable of repaying.


This is where building a trust relationship comes in handy. Institutions do not approve loans. We go to many places to source loans such as:


"Banks "Credit Unions "Private Lenders "Wealthy Investors


These are just a few of the institutions that we can approach. However it is the people in these institutions that we have to convince that we are capable to handle a refinancing of our loan and repay it efficiently. We also have to convince them that our plan is one that will be profitable. They are in essence putting there security at stake when they approve a loan for us and as such there must be a certain level of trust in your ability to fulfil the obligation of a loan.


Wednesday 17 August 2016

What is the law of attraction

What is the law of attraction? You may have seen “The Secret” or “What The Bleep Do We Know?” and have gotten an idea of what the law of attraction is all about. You may have even created a vision board, done affirmations, and focused on the things that you want.


If you’re like most people, you may have wanted to harness the law of attraction to boost your financial level, increase health and energy, or experience better personal relationships in your life. When “The Secret” first came out, a lot of people follow the guidelines it spoke of. For a while, they were real champions at it, but then they just quit. They got discouraged.


Why? Because the law of attraction is more than just focusing on what it is you want and then expecting results in a few weeks or a few months. The law of attraction works with all of your levels, past your conscious thoughts and feelings. In fact, the law of attraction goes more by your inner feelings than what you consciously are thinking.


In the rush to use the law of attraction for their own purposes, many people have missed the overall picture of harnessing the law of attraction. It’s about becoming whole within yourself.


Let me explain more about this. You see, most people are thinking they want this or that on a conscious level, while deep down inside, on the unconscious level, they may want something totally different. So they are focusing on what they consciously want, and never letting themselves know what’s deep down inside. In order for you to get to the deep inside, you’ve got to become still and clear your head. This requires practice, as you may not be used to becoming completely still in mind and body. But regular practice will make things easier for you.


When you’ve working with all of your inner and outer levels of yourself, then you’re able to harness the law of attraction to bring you all of the good things you know you deserve. It goes beyond just mere thoughts, but feelings. How does it feel to have perfect health? How does it feel to have more than enough material abundance? Are you able to feel this right now? It may be hard for you, because your logical mind is telling you that your current situation does not reflect this idea. Remember, life is full of changes, so you cannot base yourself on the externals.


As you begin to play with the feeling of already having whatever it is that you want, you will find that it gets easier and easier to already feel abundance, health and love. And as that increases within you, so your outer world will start to reflect that as well. This is the essence of the law of attraction. Some things may come easier to you than others. Enjoy the process, and enjoy the feeling. How you feel is everything when it comes to the law of attraction.


El secreto

:
Seminario del Š™xito – Ley de la Atracciуn
El siguiente es un extracto de la conferencia introductoria al Š¹xito que brinda el coach Diego M. Katzman, Empresario MBA, fundador de Secretia y gurъ de tŠ¹cnicas de auto-superaciуn, riqueza y prosperidad. AprovŠ¹chala; pronto podrŠ±s participar de este increŠ½ble seminario en vivo. Y podemos asegurarte, que nada serŠ± como antes. Entre tanto, puedes comenzar a conocer los secretos mejor guardados para el Š¹xito con el Secreto de la Riqueza Absoluta, y participando en el programa de Coaching de nuestro equipo.
їSomos todo lo que Queremos y Podemos ser?
Hablemos un poco del condicionamiento que existe que dificulta el poder superarse... їNo hay acaso una sensaciуn de que uno ya es como es y ese es el fin de la historia?...Sin embargo, paralelamente todos nosotros guardamos en un lugar de la mente una imagen de lo que "podrŠ½a ser", es decir, nuestro escenario ideal . їQuŠ¹ tal si buscamos, en un acto de gran imaginaciуn, buscar en nuestra cabeza esa imagen, ya sea de nosotros mismos siendo ricos, con la familia, o bien el amor o en el lugar que anhelamos … Bien, їya estŠ±is pensando en eso? їTenŠ¹is la imagen bien clara de vuestra realidad ideal? Ahora vamos a preguntarnos muy sinceramente por quŠ¹ es que no estamos de hecho ocupando esa realidad, si es que es lo que queremos en el fondo de nuestra alma...

Prejuicios, Causas, ObstŠ±culos

їRedordŠ±is el film "The Matrix"?. Existen de hecho modelos prefabricados y prejuicios, generados por una serie de fuentes sociales, a fin de mantenerlo a uno en una suerte de realidad paralela a su propio ideal...aquŠ½ hay que hacer un ejercicio del tipo de Alcohуlicos Anуnimos, que consiste en vernos en esta nuestra realidad y efectuar una comparaciуn con el ideal que antes pensamos, y hacerlo con completa sinceridad y sin obstŠ±culos mentales...el resultado suele ser un poco frustrante como para pensarlo abiertamente, en el nivel conciente, pero somos personas sensibles y hay un motivo por el cual no estamos aquŠ½ їverdad?....Y es que todos sabemos que no somos la totalidad de lo que podrŠ½amos ser....

Pero, їpor quŠ¹?

Avancemos un poco, si os parece: їPor quŠ¹ no somos todo lo que podrŠ½amos ser? Las posibilidades de ser son infinitas, y sabemos bien que nuestra potencialidad tambiŠ¹n lo es. Podemos mencionar factores tanto internos como externos; entre los internos se encuentra por ejemplo la imagen que tienes de ti mismo, lo que te han dicho que eres toda tu vida, y entre los externos estŠ±n las instituciones como la religiуn y el estado de alguna forma conspirando (ey, cuidado con esta palabra, que no nos pongan en la lista negra, mejor dicho en el website negro?) … No tienen mucha ganancia para ellos que cada uno de nosotros sea un Dios їo sŠ½?, es mucho mas lucrativo que haya un Dios y que todos seamos sus temerosos sirvientes. No se si recordŠ±is aquella otra pelŠ½cula 1984....їO tal vez estamos siendo demasiado paranoicos y la realidad no es tan tremendamente manipuladora, y de hecho da un buen sitio a la libertad?
EmpŠ½ricamente, sin embargo, es innegable que estamos programados para NO poder acceder a ciertas de nuestras propias potencialidades.
Dentro de las variables externas, tambiŠ¹n se encuentra el etnocentrismo, que genera que no podamos ver como legŠ½timos los postulados de otras culturas, y asŠ½ seamos - por asŠ½ decirlo - esclavos de aquella en la cual nacimos...

Cerca de la Idea
Si no tuviŠ¹ramos todas estas vendas culturales y personales en los ojos, probablemente podrŠ½amos funcionar mucho mŠ±s cerca de la naturalidad de un niсo, y estarŠ½amos al igual que los bebŠ¹s en contacto con las leyes naturales. Pero esta claridad bŠ±sica que los sabios de la humanidad han mostrado desde el comienzo de los tiempos (vean por ejemplo las enseсanzas del Tao Te Ching) se han ido censurando, en detrimento del crecimiento individual.

El Secreto: Poder del Pensamiento
Lo que muchos llaman terapia de la atracciуn, que es un gran Š¹xito en todo el mundo, y que se desprende en parte de esta pelŠ½cula que acabamos de ver, es sencillamente el apoyo sistemŠ±tico (coaching) orientado a que una persona tome conciencia de su poder de atraer hacia sŠ½ cualquier cosa por medio del uso de su pensamiento. Un amigo mŠ½o me contу el otro dŠ½a que habŠ½a salido con su automуvil y cuando estaba a mitad de camino, se dio cuenta de que no habŠ½a llevado consigo la licencia de conductor...un poco mŠ±s adelante en el camino, vio un mуvil de la policŠ½a deteniendo vehŠ½culos al azar...mi amigo se empezу a poner tenso "que no me paren" pensaba, una y otra vez. Buscaba aparentar indiferencia y tranquilidad, pero como es obvio, la policŠ½a lo detuvo, y … como es costumbre en mi paŠ½s de origen, pudo irse a casa dejŠ±ndole unos billetes!! (risas), no ahora de veras... estoy seguro de que todos conocŠ¹is la sensaciуn, seguro que os ha ocurrido alguna vez, їno? Cuando piensas "que no me pare, que no me pare" pero en alguna parte sabes que es justamente por esa sintonŠ½a de pensamiento que te van a detener. Lo primero que quiero decir aquŠ½ es que, mŠ±s allŠ± de toda la teorŠ½a que haya aquŠ½, hay un hecho innegable, y es que todos los que estamos aquŠ½ tenemos bastante poco dominio de nuestro pensamiento. Para graficar mi punto, vamos a hacer otro pequeсo ejercicio: Tratad de pensar en algo…cualquier cosa que deseŠ±is. No sŠ¹, por ejemplo, en una persona a quien quieres. Pensad cada uno en esa persona durante un minuto. Ni siquiera, durante medio minuto. FijŠ±os cуmo en tanto intentŠ±is pensar en ella, se os cruzan en la mente cientos de otros pensamientos "accidentales"...como "quien es este sujeto que estŠ± hablando", "quŠ¹ tengo que hacer mŠ±s tarde", y varias cosas mŠ±s (por no mencionar que cuando dije "Pensad en cualquier cosa", casi nadie pudo visualizar un pensamiento de forma inmediata!). Cuando mi amigo pensу con tanta fuerza que por el amor de dios la policŠ½a no lo detuviera, lo que hizo fue proyectar dos imŠ±genes: Una era "PolicŠ½a", la otra "Detener". La mente infinita (їquŠ¹ es esto? їExiste tal cosa?) sуlo sintoniza esta frecuencia. No le importa que le agregues la palabra sŠ½ o la palabra no...solamente capta las imŠ±genes que mantienes en la mente con intensidad. Es por esto que en general muchos de nuestros deseos no se cumplen: Porque los pensamos del modo en que reciŠ¹n pensamos en la persona a quien queremos: Interrumpidamente, con una seсal sucia, poco clara. Entonces aclaremos esto: El receptor (ŠŽy aquŠ½ no vamos a hablar de Dios, por favor!) tiene como mŠ½nimo dos condiciones:
La primera es que RECIBE ъnicamente pensamiento claro, continuo, nŠ½tido.
La segunda es que no toma en cuenta vicisitudes semŠ±nticas de la imagen, sino que sуlo recibe la imagen tal como es visualizada.

MŠ±s Cuestiones y Dificultades (si no hubiese tantas, este seminario no serŠ½a necesario, їverdad?)

En la tradiciуn judeo-cristiana, Dios creу el mundo no con las manos, ni con dinero, ni con una marcha en la plaza ?, sino con la palabra. La palabra en realidad no representa mŠ±s que una funciуn comunicativa del pensamiento. El fondo del asunto es que Dios creу el mundo con el pensamiento. Esta nociуn no es rara entre la mayorŠ½a de los otros pueblos de la humanidad.

Otra cosa que deseo transmitir: Todo lo que estŠ± vinculado con lo positivo (incluyendo, por ejemplo, ser Seropositivo - mira hasta dуnde se extienden las cosas en el lenguaje!-) estŠ± hoy estereotipado como algo entre poco cursi y poco realista. El cinismo de nuestros tiempos ha hecho que la idea de pensamiento positivo fuera a parar en el imaginario cultural junto con un fantasma o el juego de la copa, їno es asŠ½?

Volviendo a dios, y aunque a esta altura sea casi una obviedad, voy a seсalar que no es casualidad que estŠ¹ escrito que fuimos creados a su imagen y semejanza....que estamos diseсados para crear y materializar con la sencilla ayuda del pensamiento...el quid de esta cuestiуn yace en que por lo general somos incapaces de decir algo tan directo y concreto como "deseo LUZ", pensamos "bueno, este, es decir....yo quisiera, si es que puedo pedir, їno? tal vez algo que me traiga Š¹xito con las chicas...o poder quedarme en mi casa en lugar de salir a trabajar a la maсana"...Fijaos la diferencia: LUZ. Cuando reina la oscuridad, y aparece el pensamiento "Haya LUZ", el nivel vibratorio de la idea es tan alto, que es prŠ±cticamente imposible que sea desoŠ½do.

їEl Coaching de la Atracciуn es simplemente lograr limpiar el pensamiento de "accidentes" y poder meditar? En realidad esto un principio, porque al meditar no estamos necesariamente visualizando algo y tampoco le hemos adjuntado la INTENCION de que la visualizaciуn se materialice. Son, entonces, tres niveles diferentes de acciуn y pensamiento: El primero, poder despejar la mente, y no permitir que las ideas se paseen libremente por ella. Lo segundo, es mantener en la conciencia una idea clara, irreductible, visual y luminosa, de lo que queremos ver hecho realidad. Cualquier cosa. Lo tercero es la intenciуn, que en realidad ya desde un principio acompaсa a los dos anteriores. Luego de esto, resta comprender que la contemplaciуn de esa idea no se desvanece cuando la quitamos del foco de la conciencia, sino que tiende a aferrarse al transcurrir inconciente en tanto mŠ±s la retenemos. Es decir, mŠ±s la piensas, mŠ±s se queda haciendo eco. El pensamiento subconsciente es el que estŠ± en realidad mŠ±s intensamente conectado al fin de cuentas con lo universal...como todos vosotros - o por lo menos quienes han estudiado psicologŠ½a sabŠ¹is - la mente inconciente es mente tŠ¹cnicamente hablando, mientras que lo que concebimos como el YO o el foco de conciencia no serŠ½a mŠ±s que una mŠ½nima porciуn de esa mente que sucumbiу a la evoluciуn…la conciencia es poco mŠ±s que una ilusiуn, pero tiene la carta ganadora: La intenciуn es exclusivamente suya.

Definiendo el Š™xito – Pidiendo el Š™xito
En este seminario dijimos que Š½bamos a hablar del Š¹xito. La palabra Š¹xito esta en el nombre del seminario, seguramente muchos de vosotros se acercaron porque les atrajo esa palabra...
Pero, їquŠ¹ es el Š¹xito? їAlguien puede definir quŠ¹ es el Š¹xito para Š¹l o ella? Si, tъ, por favor..... " el Š¹xito es la realizaciуn de los sueсos", "el Š¹xito es conseguir la independencia".Bien, estas ideas a mi son en verdad directas, al parecer vosotros dos sabŠ¹is lo que deseŠ±is. Sin embargo, si tuviera que dar un porcentaje de posibilidad de que vuestro Š¹xito se materialice a partir de vuestras definiciones (que es como vosotros VISUALIZAIS ese Š¹xito) debo decir que esa posibilidad es bastante baja... expresar que tener Š¹xito es la independencia es bonito, pero la independencia es un concepto, y esta en principio compuesto por una serie de pensamientos...lo mismo ocurre con los sueсos...todos sabemos lo que son los sueсos, pero sigue siendo una nociуn algo intangible... quiero contarles un caso que le oŠ½ decir hace poco en una conferencia a Malcolm Gladwell, que escribiу "The Tipping Point"...Malcolm nos contу sobre un tal Howard Moscowitz, que segъn el es el reinventor en NorteamŠ¹rica de la salsa de tomate. Veamos: la empresa CampbellŅ‘s contratу al tal Moscowitz para dar con la mejor salsa de tomate posible...esto fue alrededor de los aсos cincuenta...Moscowitz hizo una serie de pruebas y de Focus Groups (un tŠ¹rmino inventado por el gran inventor de tŠ¹rminos Robert K. Merton, quien a su vez hizo una de las contribuciones mŠ±s importantes al concepto de la Ley de Atracciуn, ya lo veremos en un momento; quedaos con el nombre, Robert K Merton).Y en los Focus Groups consultу a varias centenas de personas sobre cуmo serŠ½a su salsa de tomate ideal...la gente le daba respuestas tales como "Ummm...yo dirŠ½a que con muchos vegetales, pero cortados pequeсos" , "a ver....sabrosa, bien sabrosa y espesa, aunque sin perder el sabor a tomate" o "no tan lŠ½quida, aunque un poco sŠ½, y con muchas verduras y otras especias", y muchŠ½simas mŠ±s respuestas del estilo...Moskowitz pensу muchŠ½simo, y no lograba dar con la fуrmula que Campbell's le habŠ½a encargado...finalmente tuvo un instante de genialidad, de iluminaciуn....e inventу la hoy hiper popular salsa "Extra Chunky", algo asŠ½ como Extra Gruesa. En espaсol esta anŠ¹ctoda deja algo de riqueza semŠ±ntica en el camino, pero los que hablan inglŠ¹s aquŠ½, me imagino que casi todos, comprenderŠ±n que el nombre "Extra Chunky" expresa con mucho poder de sŠ½ntesis lo que toda la gente de un modo u otro le decŠ½a en las entrevistas y los Focus Groups. Moskowitz empezу entonces a inventar muchos de los productos mŠ±s populares en el mercado de los Estados Unidos, y como es obvio, alguien le preguntу en cierto punto dуnde residŠ½a su genio: El hombre fue muy directo "Consigo decir lo que la gente no consigue poner en palabras. Porque lo cierto es que la gente NO SABE DECIR LO QUE QUIERE"...tiene una idea vaga, en el mejor de los casos una buena idea, pero no puede TRANSMITIRLA con claridad. Yo Encuentro la IMAGEN y la PALABRA que yace detrŠ±s de lo que me dicen que les gustarŠ½a."
No sŠ¹ si es preciso decirlo, pero esto es 100 por ciento aplicable a lo que venŠ½amos hablando: El problema de la gente no es que no desea con la suficiente pasiуn, sino que tiene dificultad para transmitir con absoluta claridad lo que quiere, y por ello es que no tiene interlocutor en la realidad.

Sucede Lo que Se Espera que Suceda

Ahora sŠ½, os voy a comentar finalmente sobre Robert Merton y por quŠ¹ el Seminario del Exito que brindarŠ¹ pronto es tan especial. Este seсor Merton inventу, entre otros tŠ¹rminos geniales y altamente marketineros, la idea de ProfesŠ½a Autocumplida o Autorrealizada (tambiŠ¹n conocida en ciertos Š±mbitos como "efecto Pigmaliуn". їQuŠ¹ es esto? Es precisamente lo que le ocurriу a mi amigo cuando saliу sin su licencia de conductor; temiу con tanta intensidad que le ocurriera algo, y con su mismo temor generу que ocurriese. Merton estudiу muchŠ½simos casos donde ocurrŠ½a esto, y con su estudio dejу sentado un importante antecedente en la psicologŠ½a. Personalmente, creo que se tratу de un hito, aunque en el Š±mbito cientŠ½fico no fue revolucionario ni mucho menos...y esto se refleja en que transcurriу muchŠ½simo tiempo hasta que alguien considerara a este fenуmeno como algo digno de dedicarle un tratamiento...fijŠ±os quŠ¹ increŠ½ble: Un sujeto demuestra cientŠ½ficamente que los pensamientos de las personas se convierten en su realidad, y nadie toma la posta y se encarga de desarrollar un "antŠ½doto"...es cierto que sŠ½ han habido toneladas de corrientes de pensamiento positivo, pero nada destacale que haya provenido desde el Š±mbito de la ciencia. Mi seminario del Š¹xito, que en algunos dŠ½as voy a presentar por primera vez en Espaсa, es la respuesta a ese vacŠ½o. Consiste en la puesta en prŠ±ctica de una serie de tŠ¹cnicas comprobadas cientŠ½ficamente que detectan y aislan los pensamientos que eventualmente llevarŠ½an la realidad que se teme, esta futura realidad que al comienzo de esta charla llamŠ¹ algo asŠ½ como "inevitable" o "ineludible", ese destino que nos hemos fijado casi como un plan, y los reemplaza por otros mŠ±s afines a las metas que nos logramos definir luego de un concienzudo anŠ±lisis interno...mirad, haremos lo mismo que hizo Howard Moskowitz con el nombre de la salsa de tomate, pero con vuestras propias metas, las definiremos con la mŠ±xima exactitud posible, y a continuaciуn, daremos una serie de уrdenes a la mente central para que "oficialice" las imŠ±genes de esas metas, tal que queden impresas en el subconciente y funcionen como la mŠ±quina de atracciуn que son. ImaginŠ±os que el margen de error de lo que estamos hablando es mŠ½nimo. Okay, quien estŠ¹ pensando que esto puede hacerlo solo, en la tina, en verdad no estŠ± del todo errado (en un mundo ideal). No es que quiera desalentaros, pero fijŠ±os si esta noche cuando estŠ±is en la tina logrŠ±is concrentraros como es debido para poner en marcha la fuerza de la atracciуn. Os deseo suerte, de todo corazуn.

Personalmente - como muchos aquŠ½ ya deben saber por mi sitio Secretia. com - he sido bendecido con estos secretos, los cuales hace algъn tiempo decidŠ½ compartir en el Pack El Secreto de la Riqueza Absoluta disponible de Secretia. com...tardŠ¹ algo asŠ½ como tres aсos en transcribir, editar y traducir todo ese material, cuya mayor parte eran textos en inglŠ¹s de los aсos 10' y 20'. Hoy recibo algo asŠ½ como 50 cartas por dŠ½a de gente que me cuenta cуmo su vida ha cambiado desde que han podido hacer algo TAN sencillo pero a la vez TAN ESCURRIDIZO como tener foco en el pensamiento. Y esto es lo que resulta tan increŠ½ble, que a pesar de que vivimos bajo la ilusiуn de que controlamos nuestros pensamientos, la realidad es que ellos nos controlan a nosotros, a menos que - como se suele decir - tomemos el toro por las astas, y eso es precisamente lo que vamos a hacer de aquŠ½ a diez dŠ½as cuando dictemos el Seminario, que os grantizo, va a sorprenderos muchŠ½simo...es que simplemente es impresionante tomar conciencia de todo el tiempo y la energŠ½a que hemos desperdiciado hasta ahora, sуlo porque nadie se detuvo a revelarnos este secreto.

No dejes de ser una de las miles de personas que ya conocen El Secreto de la Riqueza. Haz Clic AquŠ½ para saber mŠ±s sobre este increŠ½ble descubrimiento!

Web hosting rebates or scams

Web hosting rebates are offers make by hosting affiliate partners and not from the hosting companies itself. Can you trust these people? And how to identify the real hosting rebate provider.


I had been years in web hosting industry and now running web hosting reviews for a year plus. Its always the same thing, there is always new individuals come up with new website and offering incredible hosting rebates and up to $50 or $65 or $80 dollars or even more.


Although the hosting provide only offering $65 dollars, they can claim the rebate offers of up to $60 or even $63 dollars. Lets think about it, when he got the $65 dollars, will he return back the $63 dollars back to you and himself keep the $2 only? Definitely not.


That’s one of the biggest concern about web hosting rebates, its offered by individual that you not even know. Or someone at web hosting forums that offering you a 90% cash back if you sign up with them. And after a month, you cant even find him any longer.


I had been seeing some web hosting rebate websites started and boosted in fast speed. But after 2-3 months times. The website is not being maintained any longer, and contains outdated content. And the contact form is not being reply as well. But, these websites is still running and claim to offers the biggest cash back you ever see.


Definitely, you need to keep an eye on this. You don’t want to be scammed or ripped off by those people. Those people that you not even know.


However, there is a little few hosting rebate website that you can trust. And off-course their rebate rate must be reasonable and make sense. Second is that their website must be well maintain. Other than that, it should be receive some certain good review from online community. And finally, you can easily reach the hosting rebate company, there must be contact form provided and you can reach them.


Tuesday 16 August 2016

How to skyrocket your chances of winning the lottery

If you’re like me then you probably enjoy playing the lottery but are still waiting for the ‘big win’. You may even be disappointed you don’t seem to get very many of those ‘little wins’ either.


I used to be one of those disappointed every week too…


Although everyone knows that the chances of winning the jackpot are astronomically high - many thousands of people still win smaller (and not so small) prizes on games like the UK National Lottery every week. I just didn’t seem to be one of them.


That was until I started discovering some of the secrets a few select people in the know are using every week to -


a) massively increase their chances of winning the jackpot and


b) win smaller prizes on a more regular basis


So, just what are these secrets? I’m glad you asked…


One of the easiest ways of increasing your chances of winning is to simply play more times… “Duh, obviously!” I hear you say, “But that means I have to spend more money… and the whole point is to win it, not spend it!”


Well you’re correct, but did I say anything about paying to play more?


I simply said… to increase your chances of winning… play more times. There are ways of playing multiple times at the fraction of the normal cost… there are even ways you can play entirely for free!


How? Here’s the secret…


To play multiple times for the fraction of the normal cost you need to be part of a well organised lottery syndicate.


Now I’ve heard all the horror stories about lottery syndicates winning and someone running off with the winnings… or one time friends fighting each other through the courts…


Notice, however, I referred to being part of a well organised lottery syndicate. A well organised lottery syndicate that uses a proven mathematical formula… a formula that lets you win more with the same numbers than you would had you played alone... even on lotteries as highly regarded as the UK National Lottery.


I know what you’re thinking – “How can that be? If you have to share your winnings as part of a lottery syndicate how can you win more with the same numbers?”


It’s a good question, let me explain…


As part of a lottery syndicate you can combine your spending power and play smart. This applies to any lottery but for the time being let’s use the UK National Lottery as an example…


To play the UK National Lottery you choose six numbers from between 1 and 49. Now let’s say that you are part of a lottery syndicate with 49 other people. Every week the lottery syndicate has the same five numbers and uses its spending power to buy 44 tickets.


Why 44? Another good question…


If you need to choose six numbers per entry (and you already have five numbers) then all you need to do is buy 44 tickets using the 44 numbers you don’t already have as your sixth number.


The brilliance behind this approach is you are always guaranteed to have at least one ball every draw – which means, in the case of the UK National Lottery, you only need to match two of your lottery syndicate’s numbers to win a prize rather than match three if you played alone.


And because of the way the maths works out there will be multiple winning lines within the 44 when you win… which leads to more money to share within the lottery syndicate.


Your winnings as part of the lottery syndicate using this method are actually higher for matching the same numbers than had you played alone. You also have more chances to win more often too…


In fact your chances of winning the UK National Lottery Jackpot are increased by an amazing 702%!


Now can you see what I mean by playing smart and the power of playing the lottery as part of a lottery syndicate?


Luxury alaskan cruises are growing in popularity

In the last ten years, luxury Alaskan cruises have become one of the most popular types of vacations for many different kinds of travelers. From retirees to young families, Alaska cruises are becoming one of the most requested types of travel for many travel agencies. And when you look at all the reasons to choose such a vacation, it is not very hard to see why this destination has become number one.


The Sights


Alaska is one of the few untouched wildernesses left in America. The top three reasons that people wish to go on a luxury Alaska cruise are for wildlife, glaciers and mountains. With less than one twentieth of the land inhabited, this state has the most protected land than any other, with over 65% federally held for the preserving of Alaskan wilderness. It is common to see grisly bears, bald eagles, moose, and elk from the comforts of your cruise ship. The ship also takes you closer than other tours to glaciers, and provides you a waterside view that can be replicated no where else. And your cruise line will sail right past the most amazing and picturesque mountains. An Alaskan cruise helps you catch a glimpse of the greatest sights Alaska has to offer.


The Price


Alaska has paved the way for cheap luxury cruises. Alaska sailings are relatively inexpensive. They offer travelers a way to visit a luxury destination at a budget price. With seven day Alaska cruises starting as little as $400 per person, this price includes the chance to sail into different ports and explore Alaska on your own time. Not to mention that this price includes all your food and on board entertainment. With such a good deal, it is no wonder that travelers are choosing to see Alaska on a luxury cruise.


The “Add Ons”


In addition to offering fabulous costal sights, most luxury Alaskan cruises are offering amazing “add ons” to their already great itineraries. For example, the majority of Alaska travelers wish to see the great Denali National Park. Cruise lines, such as Princess Cruises, now offers to combine your Alaska cruise with an exclusive land extension that will take you to the Alaskan interior to see the sights of Denali. When you add on to your cruise, the price is relatively small, and a number of Cruise lines offer exclusive lodges for their cruise guests who want to extend their stay. For travelers who have the need to see a more detailed version of Alaska, combining a cruise and tour with the cruise lines is a great way to get the most value out of your money.


No matter how you slice it, Alaska is best seen through the eyes of a cruiser. On a luxury Alaska cruise, you will most definitely get your fill of wildlife, mountains and glaciers. And with pricing often starting for as little as $400 per person, covering drinks, transfers and on board activities, it is an incredible deal for all travelers. And should you desire to see even more of this last American frontier, you can add on extra tours and interior extensions that will let you take full advantage of great cruise line pricing. So whether you plan to make Alaska your only stop, or if you wish to include it as part of your luxury world cruise, make sure you truly experience the sights of Alaska.


Monday 15 August 2016

Type of non-geographic telephone numbers

Non geographic telephone numbers are a special type of telephone number, that is also considered to be a telemarketing number. These types of numbers do not pinpoint your business to a specific area geographically; instead, it allows you to take advantage of your total market nationally. There are many different categories of non geographic telephone numbers, seven to be exact.


These are known as:


- Free phone


- Lo-Call


- Fixed Rate


- National Rate


- Premium Rate


- Alphanumeric


- Personal


Free phone is a non geographical telephone number that offers your customers and potential customers the ability to call your business without having to pay any type of fees for the call. This is a great business tool as it gives your customers confidence and makes them believe that you really want their business. Free phone numbers can be distinguished by 0800.


Lo-Call are telephone numbers that begin with 0845. This is yet another great business tool because it gives your long distance callers local rate calls, even when they are on the opposite side of the country. Receiving the calls are free for your business, all you have to do is pay the deposit and monthly fees.


Fixed rate numbers are typically 0844 or 0871, these are traditional telemarketing phone numbers. These types of numbers charge the customer for their calls to your business. 0871 calls typically cost the customer's more than the 0844.


National rate telephone numbers begin with 0870 and allow your customers to call your business with a cheaper national rate, no matter where they are in the United Kingdom. This type of non geographic telephone number is great for information hot lines, order lines, help lines, and technical support centres.


Premium rate telephone numbers start with 090. These are great for competitions, chat lines, and technical support calls. These are premium calls that charge the callers higher rates per minute than 0871 or 0844 telephone numbers. The business is not required to cover any of the costs associated with the telephone call and recovers a large portion of the money paid by the customer.


Alphanumeric telephone numbers are words instead of numbers. These are perfect advertisement for many customers. This could be a catchy slogan or something to identify the company with. By using alphanumeric telephone numbers you can catch and keep the attention of your customers with something easy to remember.


Personal telephone numbers start with 0700. This type of number goes by many names such as call shield, follow me, one, and personal numbers. The great advantage about this type of telephone number is that it allows you to provide your customers with just one telephone number, but have that number route to any other number you wish. This is perfect for taking your calls while at home, travelling, or in another office, but do not want to miss the all important telephone calls.


As you can see, there are many different types of non geographic telephone numbers to learn about. Choosing the right one for your business means understanding your options and choosing the one that best suits your businesses needs.


Commercial loans

Commercial loans are available at competitive interest rates and repayment terms from our lending market leaders. These can be used to start or expand and develop your business or for the purchasing of equipment. Commercial loans could be the most flexible solution to meet your financial needs but it’s also important to consider the effect of loan repayments on your cash flow and business assets.


When looking at commercial loans you will need to assess your requirements for repayment terms and compare interest rates, known as the Annual Percentage Rate or APR, of different lenders in order to decide which loan is best for you. The repayment term can be anything between one and fifteen years on average and you have two choices with regard to interest rates: fixed interest rates and variable interest rates.


Fixed Rate: The interest rate is set at the beginning of the term of the loan, the percentage given to you being determined by your circumstances, the amount of the loan, the term and your assessed ability to repay the loan by the due date. Your monthly repayment amount remains constant, regardless of changes in the bank base rate which is an advantage if the rate increases but a disadvantage if it drops.


Variable Rate: The interest rate you pay is linked to fluctuations in the bank base rate and can therefore increase or decrease depending on what is happening in the open market. You will consistently pay the current market rate plus an agreed premium but because the base rate can change, your monthly repayments could go up or down. This is an advantage if interest rates fall but you may end up paying a lot more if rates rise.


There are a number of reasons why commercial loans can be a beneficial way of raising the money you need. The first is cash flow. Because your loan repayments are agreed and set for the term of the loan your cash management can be more predictable from month to month. Secondly, you have a large degree of flexibility on how you use the loan, including paying off other higher interest loans. Commercial loans also enable you retain ownership in your company by making it unnecessary for you to raise funds by selling an interest in your company to an outside investor. Interest payments on commercial loans are also tax deductible and are made with pre-tax money. A further advantage is that if you back your loan using capital equipment then you remain the legal owner of the equipment. You must be aware however that if you do not pay back the loan and default on repayments then the lender is able to foreclose on any assets backing the loan and to sell them to pay back the money owing.


Comparing the APRs of commercial loans is a good indication of how competitive loans are but it is also important to pay attention to the small print on the loan agreement. If you think you may be in a position to pay back the loan before the due date then you’ll be wise to check the early redemption policy of the lender. Some lending companies charge up to two months interest if you settle the loan within 3 to 5 years and before the due date, which can increase the total cost of the loan. It may be cheaper to take a loan with a slightly higher APR but with no redemption penalty.


Sunday 14 August 2016

Property in costa rica where second homes are a good investment

If you’re thinking of buying a second home, then you should consider buying property in Costa Rica - as prices are currently still inexpensive, but are rising rapidly.


By buying property in Costa Rica, you’ll be able to take advantage of a real estate boom that’s set to continue for many years to come.


Let’s look at why buying a property in Costa Rica is such a good investment:


Property Prices in Costa Rica are rising


Investors that purchased a $30,000 property 15 years ago, now find that their property is worth as much as $750,000.


Another example of the Costa Rica property boom is the Marriot Corporation, which built the Los Suenos Resort, pre selling fifty condominiums of 2000 square feet for $250,000.


The following year, Marriot sold another fifty at $350,000. This year’s upper end units are being sold for as much as $450,000 to $850,000!


The biggest change in property in Costa Rica during the past decade is that prices have dramatically increased as Costa Rica has attracted more foreign buyers - and prices have doubled, or tripled, from 10 years ago.


Property in Costa Rica is Inexpensive


Despite these huge property price rises, Costa Rican real estate is still cheap compared to countries such as the US. A lovely three bedroom property can be purchased for as little as $60,000, and prices for beachfront properties cost up to 75% less than in US states such as Florida and Arizona.


Property prices in Costa Rica will continue to increase in value over the coming years, but there’s another way to ensure that your properties value exceeds what is already an excellent average growth rate - and here we need to look at location:


The Importance of Location


When buying property in Costa Rica, you need to look at the infrastructure - which can improve an area’s value.


Here are examples of three infrastructure changes that will increase property prices in adjacent areas:


A New Freeway: Scheduled to be completed shortly, which will link the largest metropolitan cities to the Pacific Coast, thereby generating an increased flow of traffic and fueling buying interest in adjacent areas.


A New Marina: The largest marina in Costa Rica, is due to be completed soon in the Town of Quepos.


A New Airport: A new international airport is planned for the town of Orotina in the near future.


When buying property in Costa Rica, being in ahead of the crowd - before an important part of the infrastructure is completed, will enable perceptive buyers to take advantage of price rises after the infrastructure is completed.


If you’re buying property in Costa Rica, (or anywhere else for that matter) then you need to consider location before buying.


Buying Property is Easy


Where else in the world can foreigners come to a country which has a stable democracy, no military, a government that encourages investors with no restrictions, and where foreigners are entitled to the same ownership rights as Costa Rican citizens?


Throw in low costs and no capital gains tax, and its no wonder foreign buyers are looking at Costa Rica. Buying property is Costa Rica is easy - and that’s one of the major attractions.


A Demand Driven Market


Buying property in Costa Rica will continue to be a sound investment, as foreign buyers look for an affordable place to live with a great lifestyle.


Costa Rica is beautiful, and has a great climate with no weather extremes, a low cost of living, no serious crime and an infrastructure that is on par with many industrialized nations.


Buying property in Costa Rica offers a slice of paradise at a cost anyone can afford - and as more buyers invest, prices will rise.


Big Rewards for Savvy Investors!


We’re still at the start of a boom in property prices in Costa Rica, and now’s an ideal time to get in on the action. Buying property in Costa Rica is a solid investment, which looks set to reward savvy investors with great capital gains in the near future.


Buying property in Costa Rica can change your financial future, and if you’re thinking of investing in property, there is no better market to get involved in.