Monday, September 28, 2009

What Will Your Legacy Be

How many of us have ever wondered if we have made any difference in this world?

As in the words of the Lee Ann Womack song, remember, "as you move through the days and the years of your life, you do not go unnoticed. You leave a trail, impressions and footsteps, unquestionable proof that you existed in the live of those around you. If you ever think you've not made much of a difference in the world, you have to me." And, I thank you.

Many who accomplish something worth leaving behind start from humble beginnings.

Think about Mozart, who learned to play the piano at age 4 years. At age 5, he began composing music. By age 14, he had composed several instrumental and orchestral pieces. Although he died in poverty, he created over 600 works of music, which are studied and performed by musicians throughout the world. When Mozart dreamed, there were symphonies and concertos playing in his head, and that is something worth leaving behind.

Think about Da Vinci, who was born the illegitimate son of a peasant woman and an Italian merchant. He became a brilliant engineer, painter, and creator of masterpieces as a relatively young man. When Da Vinci dreamed he saw marble as beautiful sculpture. He looked at the walls of a church and saw The Last Supper. The looked at a blank canvas and saw the Mona Lisa. All of those were somethings worth leaving behind.

Now, think about Oseola Mc Carthy. Her formal education did not surpass grade six, although she knew education was vitally important to life. She was forced to drop out of school at a young age to help her family. She wanted to be a nurse, but spent her life working as a washer woman who saved a portion of her meager wages on a regular basis, enabling her to amass a tremendous savings, of which she donated $150,000, to a scholarship fund for students at the University of Southern Mississippi. When Ms. Mc Carthy dreamed she saw a future full of possibilities for young people to do even better than she did.

When I think of the gift I want to leave behind, I dream of a world full of beautiful colors, and shapes, and sizes, and sounds, and textures. My world is full of vibrant reds, and purples, and greens, and blues, and yellows; all mixing together to create a monage of endless patterns. When I think of something worth leaving behind, I reflect on all the experiences in my life that have left an indelible mark on my consciousness. I think of the time in basic training, when I had my hair beautifully styled by one of soldiers on my team that was a cosmetologist, and being sent out to the sawdust pit to "exercise," in the dark of night during a rainstorm in Fort Leonardwood, Missouri.

The exercise session began as I propped my chin up with my hands and tried to continuing rolling left and right, protecting my well coiffed hair. With the onslaught of front, back, go (ie, push-up, crunch, run-in-place) being wailed louder and louder from the drill sergeants standing in the staircase (some chuckling hysterically), the ridiculousness of me trying to save my hair from a certain drenching was laughable. That moment was meant to teach us to maintain a positive and fearless mental attitude, even in a time of stress.

When I think of something worth leaving behind, I can smell my late grandmother's coconut buns baking in the oven, or my mom's homemade bread and ice cream, or my dad's big pot of soup, made with last nights leftovers and anything else he found in the refrigerator.

I think of the beautiful paintings my brother has created that now adorn my walls.

I think of the egg cartoons another brother craftily sketched all over walls of the house we grew up in. Although this amused us, my mother did not find the jokes so funny.

I think of the quirky things some of my students do to imitate the people they love.

When I think of something worth leaving behind, I think of all the people surrounding me on a daily basis, and the great encouragement that we can give each other. I think of a world where people take stock of their talents and gifts, and find ways to share them with the world at-large. I think of a way to create the type of community where each of our world views can connect what is in our heads with what is in our hearts to leave a lasting impression on all.

Most importantly, when I think of something worth leaving behind, I think about the gifts that we can share with each other. That the seeds we plant and water with our words of encouragement become blessings. That feelings become songs. More than the tangible, time together becomes memories. Each of us has talents and gifts that are worth sharing, a diversity that truly makes this community so wonderful, and that is really something worth leaving behind. As you conclude this article, please take a moment to inventory your gifts and talents that you can share with the world and make sure to give generously of the gifts that have been bestowed upon you. This world can only be a better place, if everyone were to use their talents to the fullest. Take care of yourself and make a pact to make a difference.

Adrienne Vyfhuis is a motivational trainer, and creativity coach in the Washington, DC area, with a background in biomedical engineering and clinical psychology, who specializes in career and academic development with young adults and career professionals at all levels. She currently runs a training business and facilitates seminars on dreams development, self-motivation, discipline and staying focused. She has developed and facilitated hundreds of workshops around those topics and currently has several journals in publication which enhance her clients ability to record and continually improve their focus and life progression. She is particularly skilled in teaching parents and grandparents to work with developing the skills, and abilities of their children for life-long impact. Check the website at: http://5houserocks.com for more information.


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Tuesday, September 15, 2009

Hiring a Quality Home Movers

Moving from one dwelling place to another is a normal scene in Singapore. A number of occupants are not home owners. They are just tenants. The reason is that owning a house is not easy especially for non Singaporean citizens who obviously make up the lion's share of Singapore's manpower. Thus housing service is mostly on a yearly contract basis.

Given this real scenario and considering the volatile behavior of the real estate market, the demand for home movers is high in Singapore. While there are many service providers, it pays to do your job in screening out the most dependable home movers particularly if you are short of cash. And the necessity to make a good choice is paramount if you would like proper care on the manner your stuff are transported.

The rate of home movers in Singapore can be quite expensive. It may turn out to be much more costly later if you happen to hire unskilled home movers who can only mess up with your priceless stuffs. Other companies engaged in this service because it is good money and those duly registered and professionaly trained to give moving service. You definitely opt to engage home movers who can offer the best rate and the best service possible.

If there is one good venue to locate these movers in Singapore, it is through the internet. Check on ebay Singapore. Search using the keyword "Singapore home movers" and you can most likely generate a good search list. What makes ebay a good source of info is that you can refer to testimonials of previous clients. Yes, while these feedbacks are not 100% reliable you can have at the minimum an idea on the kind of service.

Also, online forums which are Singapore based in nature can give you some guide on home movers. Just concentrate on heavy traffic blogs and forums. Of course, not missing out the classifieds. Home movers tend to post ads on online classifieds because ad posting here for free, if not at a very minimal rate.

With your filtered list, you expect to tap the most reliable home movers in town which will give lesser hassle house moving service for you.


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Saturday, September 12, 2009

Credit Card Debt Problems

What to Do If You Hit the Debt Mire

When debt goes bad, it becomes more than just a financial problem. It can take over your life. If you have a debt problem the earlier it is handled and dealt with, the less likely it’ll turn into a crisis, and the more money you’ll save in the fullness of time.

The very nature of borrowing means that interest increases over time and if it isn’t dealt with promptly, it can spiral out of control and land you into trouble. Particularly with credit cards, when interest payments are large, and a minimum payment offers a seemingly manageable solution; what is actually happening is this: the balance is being eroded like the sea bites away at the shore. It’ll disappear into the ocean eventually, but might take many years to do so. What you need is a more radical approach, where chunks of debt are eaten away each month.

Being in debt can be a stressful time. Many people are scared to tell husbands, wives, friends – anyone. There’s a kind of stigma attached to the problem, but there is always a way out.

Traditional debt advice proscribes borrowing your way out of a problem. Yet this ignores the reality of most debts. A more advisable and realistic approach would be to never borrow more to get out of debt trouble. If it is possible to borrow more cheaply elsewhere to replace existing borrowing and consolidate your debt, then this is an eminently sensible approach.

The first step should always be to work out your monthly outgoings and try and trim down your spending on luxuries and things you can do without. This doesn’t mean you have to live the life of a monk and forgo all worldly pleasures! But by adopting sensible spending patterns you can redirect some of your monthly income into paying off your outstanding balances. Always keep at the front of your mind the fact that the longer the debt smolders away, the more you spend in interest payments.

Those with big debts may save thousands a year in interest by reconsidering their borrowing commitments. Do this in three ways:

i) Lower the interest if possible by moving your debts to reduce the interest cost.

ii) Pay the worst first: prioritize paying off the highest interest rate debts first

iii) Utilize any free debt advice there is. A non-commercial agency will give you good advice, focus you on your priorities, and place any problems in context. Things may not be as bad as they first seem.

Of course, there’s other basic, practicable things you can do on your own. It's incredibly important to get on top of credit card debts as soon as possible. Don't default or miss payments. Let the credit card company know if you are going to be unable to pay – it’s always better to talk to them than putting your head in the sand.

If things aren’t that bad, there’s a variety of easy strategies you can implement that will help ease things for you. Consider a credit card balance transfer to a lender offering a lower rate of APR. This will mean you spend less on interest payments each month and start to attack the overall balance with real venom.

You could take out an unsecured loan as a way of consolidating your debt. Personal loans can give you a consistent cheap debt, and as you must make the repayments each month, it helps provide structure to your repayments. Those with poorer credit scores might not always get decent rates, but it’s still often a cheaper option than paying back credit card debt each month, and overall a faster method of repayment.

If you have them, use savings: The interest paid on savings is usually far less than interest charged on borrowing, so paying off debts with savings makes eminent sense. Even if you think of your savings as an ‘emergency cash fund’ or money for the future, better to fall back on it in the short term and pay it back later, than paying interest to a credit card company so that money for some far flung eventuality is at your disposal.

It’s worth mentioning that for many people, credit cards provide sensible short term, flexible lending, that’s both cheap and convenient. You should always try and proceed cautiously, but credit card debt woes are not an inevitable consequence of taking them out. Tens of millions of Americans use credit cards cheaply and conveniently every year.

For those who feel they are in trouble, don’t feel stigmatized by your debt woes and don’t pretend they’re not there. Help is at hand should you seek it, and a solution is never far away.




About the author:


Max Hunter is the author of many credit related articles. If you are looking for help with Home Loans or any other type of credit issue please visit us at http://www.creditcardunlimited.com


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Thursday, September 10, 2009

Online Stock Trading Strategies - Select the Right One

Stock markets are mercurial in nature and are highly sensitive to any happening in the world whether it relates to politics, religion, finance. So dealing in stock markets using productive online stock trading strategies is a must. These strategies allow traders to understand and analyse which stocks should be purchased and when they should be sold to protect their invested dollars.

There are innumerable online stock trading strategies in the market but some of them stand out from the rest. New traders are strictly advised to follow them to see the difference for themselves. Some of the basic ones include hedging, dogs of the Dow, buying on margin, and dollar cost and value averaging.

Hedging is useful for you when you aim to protect your capital. Hedging gives protection to your investment by minimising the risks involved in holding a specific stock. The risk that the stock price will come down can be set off by purchasing a put option that authorises you to sell the stock at a specific price within a certain time period. In case stock comes down, put option value will rise. If you want to hedge against market falls, selling financial futures such as the Standard & poor's (S&P) 500 futures can be the right option.

Dog of the Dow is also one of the online stock trading strategies wherein the concept is to purchase the best-value stocks in the Dow Industrial Average by selecting stocks that have the lowest P/E ratios and the highest dividend yields.

Buying on margin is one of the risk-prone online stock trading strategies, and it involves purchasing stocks with money lent out by stock brokers. The margin amount should be restricted to around 10% of your total account.

Dollar cost and value averaging strategy includes pooling in a fixed amount of dollars regularly such as buying shares of a mutual fund every month. This strategy can be used with a broader trading strategy to secure your investment fund growth.

This article written by David Jose is on online stock trading strategies David Jose has been a avert writer on various online trading communities. His work has been published in several places across the web. At present David Jose is contributing towards making MTP a well known and popular online trading community.


Emini Trading Strategies

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Friday, September 4, 2009

Travel With Comfortable Camping Cots

Do you want to go camping? Great choice for a holiday! When you go camping You get a chance to get in touch with nature, to experience and enjoy greatly the scenery and the wildlife that so many places in this world have to offer. Whether you travel in a camper van which has all the necessities available, a bed included, or you are going to sleep in a tent, you should always consider carrying with you one or more camping cots.

Why are so important camping cots when going camping? Well, even if a camping trip implies a little discomfort, as you are no longer at home with all the facilities it gives you, this does not mean you cannot or should not benefit from a good night's sleep while on such trip. The idea behind taking a trip is to have fun and relax. That is why we consider that camping cots will never be an extra useless burden to put in your car when you go on a camping trip. On the contrary, camping cots will offer you the necessary comfort at night in the wilderness.

When purchasing camping cots, just like in purchasing any other goods, you should keep in mind a number of factors to help you deal with the problem adequately. Look for information regarding designs, materials, prices, etc of camping cots, by visiting different stores or internet websites of stores and producers of camping cots or camping cot mattresses. Thus you will be able to test, find out, and compare designs and prices in order to buy the camping cots to fit your needs and tastes. There are lots of websites which offer you the necessary information about camping cots together with the on-line ordering possibilities.

The camping cots available are usually good and have a lot of advantages. They raise you off the ground level thus keeping you far from the morning moisture, not talking about stones and sticks on the ground. Another advantage of camping cots is that they are easy to put up and break down for storage, the folding camping cot. Always ask a clerk to assemble the camping cots for you and test them and see how heavy they are, since you want a lightweight and user friendly cot. Be sure the camping cots that you want to buy have the right length and support for the entire body.

Also make sure they are stable and appropriate to suit the rough terrain you might encounter on your trips. Not of lesser importance is the durability of the material camping cots are made of. Since most camping cots are quite basic, you might want to look for some with a little padding on the sleeping surface. Consequently there are a lot of details you should look after consider when buying camping cots, whether they are traveling cots, folding cots, army cots and so on.

Claire Calo,
Holistic Therapist, Artis, Network marketer
http://www.Camping-Things.com


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Wednesday, September 2, 2009

Best Gifts for Baby Boys

So, you’re scouting for a suitable gift for a cuddly baby boy and you don’t know where or how to start especially if you can just spare a limited time of your busy world. There’s no need to panic because shopping for a baby boy gift is easy as long as you know what to look for. Below are a few gift ideas to make your shopping a trouble-free one:

1. Educational Baby Toys: If your objective is to keep the baby entertained while he learns; then, these toys are a great option. There’s a wide variety of educational toys available. There are learning activity and puzzle toys available for you to choose from that helps stimulate the child’s mental ability and growth development. Surely, the parents and the child will have a wonderful time bonding with each other through these toys.

2. Baby Booties: With the emerging fashion trend in shoes today, baby booties are of no exception. Baby booties are designed to keep the baby toes warm no matter what the temperature is. Look for designs that match with the personality of the baby or his aura.

3. Baby Hats: Baby hats that have attractive designs are hard to resist especially those that resemble like that of a baby animal. With ear flaps, eyes, and nose attached on the hat, it sure is very appealing to the child’s tastes.

4. Baby Hooded Towels: Cute hooded towels are fitting for an after bath or dip in the pool time. Made with quick-drying fabrics, these towels are safe for the baby’s sensitive skin and are very cuddly to use. The baby will surely enjoy these.

5. Baby Animal Slippers: These funky animal slippers are must-haves for cute baby boys. They are perfect in keeping the baby’s feet warm inside the house. You’ll be sure the baby will have fun wearing these adorable slippers.

6. Bodysuit: A baby bodysuit is the basis for nearly every baby outfit. It offers an easy way to give your baby an extra layer of warmth during cold weathers. There are wide selections of bodysuits available in the market today. Basic, solid colors are perfect for the baby boy.

7. Mini-Playground: If you’re that extravagant, you can purchase a mini-playground or a mini-gym. Although they can be pricey, baby boys will surely love this one. As we all know, boys are very active and they love to run and play around. Mini-playgrounds and mini-gyms provide a lot of activities for small boys. These minis are complete with stairs, slide and sometimes, a steering wheel. They also have small doors that the baby could open and close as frequent as he wants for his enjoyment.

8. Ride-on Toys: Ride-on toys are very popular for baby boys even at a very young age. Baby boys love being behind the wheel while parents love the durability. Riding toys include wagons, rocking toys, pedal toys and a lot more variety. Baby boys and their parents will certainly enjoy playing with these wonderful toys.

For the best baby gifts, visit Simply Unique Baby Gifts where you will find a large selection of baby gift baskets for boy, girls, unisex and twins.