We all like to play games, we all need to play games whether they are board games, video games, outdoor sports or just messing about with our partner games we all have an innate desire to play.
Playing is an essential part of our evolution. The experience gained by infants when they play games during their formative years is invaluable and teaches them the skills needed for later in life.
To share, know strengths and weaknesses, learn fairness and modesty are all vital components of our make up. Many species of the animal kingdom share the same patterns. You only have to study lion cubs, puppies or monkeys to see how they develop and hone essential skills whilst playing
When infants play games they develop their mental and cognitive abilities. They learn how to make judgements, take risks and importantly learn how to be less egocentric.
The old sayings “play to win” and “winning is everything” which interpreted would suggest we only play games to win and there is little point in playing if we do not win.
This is an opinion I do not subscribe to and many schools today are also attempting to change the perception on how we play games.
Some schools have now decided to abandon the parent’s race as it has simply become too competitive. Parents have become aggressive in their attempts to win when originally this race was designed to embarrass the parents and provide some lighthearted fun to the day. As a consequence injuries have occurred but the real damage is how their children perceive the way their parents compete. It stands to reason this aggressive behaviour will filter down and into the childs mind.
Through competition winners and losers are determined and this could possibly damage a childs self esteem if they are never on the winning side. Therefore today a greater emphasis is placed upon team events and the ethos of “Its the taking part that counts”
This political correctness is all well and good but a healthy competitive element should be present when we play games, especially sports. Without a fine balance it could equally be argued our children will not learn the skills needed to strive, do their very best in life and basically look after themselves.
Be humble in your victories and magnanimous in defeat and you will always find someone to play with.
Win or lose the most important reason we should play games is for fun! Whether it’s a simple game of cards or a football match we should really leave the competitive stuff to the professionals and just enjoy the game and remember to always shake hands after.
Vicki Churchill
http://www.articlesbase.com/art-and-entertainment-articles/why-we-play-games-79757.html
When you feel stressed, or slightly depressed, do you have an inner strength strategy you can turn to? And when you may feel worried, unsure, anxious or afraid, what kind of inner dialogue do you project in the face of this “gloom and doom parade”?
Affirmations are great. Positive self suggestion is great. But, I’m going to do you one better here. Following are 10 hand picked inner power/confidence/self-belief strengthening quotes from the over 1,900 quotes and sayings I’ve developed over the years. Whether you’re feeling nervous and in a slump…or just down in the dumps, read each thoughtfully and purposefully, and let the message of each embolden you with its wisdom.
Then you’ll have filled yourself with the spirit that can face up, brace up, act up…and succeed! And so, enjoy, prosper – and thrive:
1.) ” ‘Tomorrow’ can stretch into years – If you can do it now, just dig in and — Do It!”
2.) “What are you afraid of? ‘Uhh, well, I uh, I don’t know if I can do it’, you might say. Ok. That doesn’t mean you ‘can’t', it just means you don’t know if you can … How do you come to know if you can? You find out! Go ahead, my friend — Find Out!!”
3.) “Are you a tree who needs a ‘forest’? Or, are you willing to stand alone?”
4.) “Where you start off from isn’t the issue – Where you ultimately finish…is.”
5.) Let The REAL You Shine (for women) “And there’s a real you within your heart, just waiting to come ahead now … And she’s as capable as she is commanding — How does she come to touch your life, indeed, become your life? Be yourself, believe in yourself, and follow through with what you feel and know is right in your heart … You’ll find this real you within will never disappoint you;she’ll just do what is right, and what is needed to come through for you…always!”
6.) A NEW Beauty “Your beauty is also in your touch, your sensitivity, your compassion, your smile, your good and positive thoughts sent out toward others, your willingness to do as you would be done by — and the warm and genuine feelings you harbor, and freely extend outward toward others … And so you see, beauty is not just ‘skin deep’; beauty is truly soul deep
7.) “Along the way you will find strength, you will find and develop ability, you will come to know power’and you will come to find ever more of your self. As the journey continues, so will the finding.”
8.) “Push yourself from within, and keep on pushing ’til you arrive – For the only way to get what you say you’re after, is to work, stay ‘hungry’…and to strive!”
9.) “I can do no wrong through striving to advance, to improve, and masterfully triumph; I can only do wrong, if I don’t!”
10.) “You may not be as powerful as you ultimately want to be … But you’re certainly strong enough — Right NOW!”
11.) What Do THEY Know? “Do birds worry about what they’ll eat each day – or if they’ll eat? Do they worry about where they’ll roost each day – or where to go if and when it rains? Do they worry about how, and where to build their nest – or if they’ll be able to adequately provide for their offspring? Worry? Hey – birds start off each day singing – don’t they! What do you think birds understand, that you don’t?!”
12.) “Hey if life were truly so ‘impossible’ and tough, you would have ‘given up’ by now wouldn’t you! But you haven’t. And in the back of your mind, there’s still the desire that things, and you, can change, the hope that they will, and the willingness to do what you can, so they will … What do you think this tells you about life, and YOU?!”
(Each quote © 2008 Peter C. Siegel, R.H.)
Pete Siegel
<a href=http://www.multiling.com/Web_Site_Localization.aspx>Website localization</a> is a varied process full of many layers. Skills with both programming and language are essential in making a website accessible and usable across a wide cultural audience. Unlike <a href=http://www.multiling.com/document_translation.aspx>document translation</a> it is much more difficult and there are many more aspects to consider.
The first difficult barrier in website localization will be converting over all the key metaphors, sayings, unique phrases and specific words that are used in the target language. It is important to consider what type of language your audience will be expecting. Make sure that you use the right language for the right group of people or you will find that you are not reaching your target audience. The use of the wrong language may also mean a complete misunderstanding of what you want your site to represent.
Pictures and Symbols are also important to consider when translating a website. Each culture has its own images. These images carry with it very specific feelings and connotations, whether positive or negative. Consider how targeting pictures of personnel might affect your message. Also consider your audience and how they will react to the imagery you are presenting to them. Symbols may not mean the same thing from country to country. Make sure you understand the differences and use symbols in the right way. Colors too may carry with it certain superstitions or cultural meaning. Make sure everything used in the site has been well researched and carries with it the meaning you intend.
Next, look closely at navigation. You may read a book from left to right but that won’t be true for every culture. If you design you website left to right for a culture reading from top to bottom they might find much of the meaning to be lost on them. Confusion will also abound.
Finally, what are you trying to share with your audience and how are you portraying that content. As in other document translation you want to make sure that the text represents what you are trying to share. Things such as various currencies, measurements, writing out dates or other such issues may be of importance to your audience.
There are many benefits for web localization, document translation and software localization. It will allow a company to increase revenue and reach a much wider audience. How else are you going to reach people if they can’t understand your product or what you are trying to convey or sell? By translating and creating a website that is user friendly across a wide variety of cultures, you will increase your chances of reaching people you never even thought possible.
Finally, remember that simply translating the content on the website isn’t going to be enough. There are so many aspects involved in the localization of a website. Think passed just the content to the colors, the symbols, the pictures, the language, theme, navigation and the content you are sharing with your audience. Ever single aspect of the site is going to make a positive or negative experience for your target audience. Make sure you are portraying what you really want to portray.
Rebecca Beckett
Do you find that when you get to the office, your motivation and inspiration for your daily work duties leaves you and you have no enthusiam for your work? Here are some helpful ideas to get you going towards a better work day!
Simple Ideas to find Inspiration at Work
One of the best ways to put yourself in a position to find the neccesary motivation is to make sure you are comfortable. You need to make sure your chair supports your back, your desk is at the right height, and you have an ergonomically correct keyboard and mouse. Repetitive strain injuries have been on the rise for some time now, so speak up and you just might find your employer willing to cooperate. Im sure he would rather adjust the environment rather than deal with a workers compensation claim!
If that is not so – Worst case: bring in your own office supplies or equipment. There’s no reason that your body has to suffer even if your boss is really stingy!
Clean Up and De-Clutter Your Workspace
I find inspiration by getting rid of the clutter on my desk and getting everything back to tidy! A cluttered workspace can zap you of your creativity because you spend more time trying to find things than actually getting your work done.
Look at your workspace objectively and ask yourself: “What absolutely NEEDS to be here?” Remove the things that make you feel claustrophobic, stop hoarding rubbish and toss the things you never use. File or bin anything else as your work items should be filed away in an organizational system that works for you.
Here’s the bottom line: just hold on to the things that are vital for your daily chores or will propell you towards success in your duties! Keeping anything else serves no purpose and adds nothing more than clutter and distraction. Then, all this clutter zaps your motivation and inspiration, so avoid it! Now, if you do this, you will feel so much better! You will be more relaxed and able to think more clearly.
How Can You Create an Inspirational Computing Experience?
Are you in an office? do you spend the majority of your time on a computer? Do you ever clean up your computer? or do you have 72,000 emails sitting around and files you never use saved to your hard drive? Clean out your computer! Delete all your temporary internet files and your computer will run faster and then bring inspiration into your workspace through inspirational wallpapers.
Now, these usually free downloads can be very helpful in inspiring you during that long 8-10 or 12 hours! Try checking out a picture of the Bahamas. I for one, know just how hard it is to stare at a screen all day and remain motivated – its tough. But if you have to stare at it – make it something Inspirational!
You can check out these wallpapers when you are having a hard time getting started, getting motivated, or just finding the inspiration to push forward. Inspirational wallpapers typically contain beautiful landscapes with inspirational quotes or sayings. Sometimes all you need to get going is a gentle push in the right direction, and inspirational wallpapers just might be what the doctor ordered. It really can be that simple!
The great thing about these wallpapers is that they don’t take up any physical space, so there’s no need to worry about clutter. You also can use some of the images and quotes on the wallpaper to create screensavers for your computer. Your computer has the potential to inspire you in so many ways!
Inspiration can often seem impossible to find at work, but you may need to think outside of the box and find ways to get inspired. Keep things simple and don’t let clutter get you down.
A really good idea is to listen to your Ipod or similar – if you can!
Anytime I need aboost – I put on a personal development cd and listen deeply and contently. This is particularly helpful even when I happen to be really down or stressed!
Now , if you are like me, and work from home – it can be really tough to stay on track somedays. If you have tried all of the above only to find you are still missing something, then get up and go for a walk around the block!
After all, this is the main benefit to working for yourself! You can get up and go anytime you want to, especially if its for a quick rejuvenation walk! My block has water on 3 sides – its almost an island. I have the beach on one side, an inlet on the other and a lagoon on the other! I have an extemely pituresque outlook and feel very priveledged!
When you feel down for whatever reason, use self help techniques to find motivation and inspiration at work and have a great day!
Kym Robinson
(Copyrighted)
Before I being telling you a very small portion of my recent incidents, allow me to share my belief. I am not a religious person, although I attend churches, temple and used to go to mosques (years ago). However, I believe in God. Everyday, my trust in Him increases. In simple words, there is not a day that I loudly do not announce, “God I Love you and my life is yours.” “God you gave me life and my existence. Every breath that I take, every move that I make, everything that I eat or drink and so much more, is either because you allow me to do so, you provide for me or you make it happen.” It is all because I have seen Hell and life both in the past fifteen (15) years (BEYOND YOUR BELIEF). I believe in a few old sayings: “Love one another”, “Do unto others as you would have them do unto you,” “Think right, do right and talk right.” I also believe in the sayings: “Knowledge is wealth,” “More is lost by indecision than by bad decision”, “Ask and you shall receive,” and “Tomorrow is not promised to anyone.” I use this last one sensibly and carefully as some people misunderstand its true meaning.
However, before you read the rest, I want you to understand that I am NOT bragging. I am just sharing the true fact of established credit and how a good and long term established credit could make you credit invincible.
As much as I do not believe in fortune telling, palm reading, card or coffee reading concepts, once a while to just throw my money away, I would listen to the advice of friends and drive with them to a few of these places, listening to what the ”so called, spiritual readers” had to say. It should read like this, “To my dismay, I had done this three times since 1994, when I was seeking for a way to see how I could turn my horrible life around, as described in my book “When I-RAN,” available to the public in four months. Every time to my disappointment, I would lose a little money just listen to some nonsense that would never come true. Of course, you must understand that from 1994 through 2000, I was working on some large scaled business application/data storage software packages (for the laymen out there- large computer programs for multi-million dollar businesses). I needed a sense of direction and was lost. God was not answering me (or that I thought –He was not). I guess I was expecting Him to come and squeeze & twist my ears and force me to listen. I guess it is called knowledge and patience (that I was lacking and still am).
Anyway, for the past two years, due to my massive legal battles and … (read in the “When I-RAN” book), my former wife asked me to contact Sylvia Brown (the “so-called world renounced psychic”). I asked my wife, how she learned about Sylvia. She stated, “Through the Montel Show.” Since I heard about Montel before (although I never listened to his programs), I decided to listen to his program when he had Sylvia on his show. After a couple of times, I became doubtful as I could not understand how a person can tell a group of audience members what the after life or “other side” looks like. Then, I understood. No one actually knows what the after life is about, yet people are easily deceived. Who knows? I can have you hear anything you want and you would not know the difference anyway. My wife persuaded me by stating that Sylvia helped law enforcement agencies to solve murder crimes. Then I said, ”So the police departments do not need to invest millions of dollars and hire full time investigators –spend weeks, months or even years to solve a crime. All they need to do is hire Sylvia and her son (Chris) to go around the country and let these two finger point the criminals and the cases would be solved so much easier and more efficiently. This way millions of taxpayers’ dollars would be saved, the district Attorneys and the governors would look like angels, and would be happy to hold on to their jobs for life.”
For years, I believed that if the psychics had the ability to predict, then they all would be able to win the lottery all across this country (if not the globe) and did not need to read someone’s palm, card, a coffee cup or have a crystal ball. See, it is easy to predict the unknowns and unpredictable, if you discipline yourself. You may wonder how? Then, read the book “When I-RAN.” However, predicting someone else’s life or future, is a bit out of our hands, for those who believe in God, and is unusually suspicious when it comes to those who do not believe in God.
Anyway, as a result of my wife’s persistence, I agreed to blow away several hundred dollars by calling Sylvia Brown’s organizations. Of course, after a long recording and leaving several messages, I became frustrated and left an educated yet, frustrating message. As a result, I received a phone call and was told that Sylvia’s schedule is booked six (6) to nine (9) months in advance and Chris’ is booked ahead about 3-4 months.
However, to have Sylvia read my life it requires the fee of $750.00 advanced payment of several months and for Chris, it requires payment of $450.00 several months ahead.
The organization would not take any sort of payment but a credit card. To my amusement, would you like to know why? It is so that you would NOT be able to dispute the charge and that by the time the reading comes into the schedule, you would have no way to dispute as your time to dispute would have legally passed.
As a result of persistence, I authorized the charge of $450.00 since I needed to get a sense of direction for a couple of my legal issues.
This was the result of Mr. Chris Brown’s reading:
He insisted that I must stop my litigations, as I would lose them all and I would be spending a lot of time and money for no reasons. He even stated that I would be throwing good money after bad. (MBNA/BOA wants to settle).
He said we do not have any health issues…. And even commented about my family’s…
He said that my finances would be on the up and up and I would not suffer and insisted that I had to continue with my real estate and that only work on my book writing as a hobby and not as a source of income. Again, he emphasized that I must stop litigations.
He also told my wife, who had been recently demoted at her work, not to worry and in June she would be promoted and it would all workout best for her. He persisted that there should be no need for litigation in that matter either.
He also suggested that our relationship, the severely damaged relationship, would workout as he even commented by saying, “You kids need to work it out and everything will be alright.”
He noted a few other things.
I guess God had His own agenda and did not like for me to place my life, future, or trust in the hands or mouths of a ”so called spiritual reader (a fortune teller).”
Let me describe what transpired immediately after the reading of February 29, 2008. A week or so later, my investment account of many years with Ameritrade/Accutrade was liquidated as a result of repeated errors of Accutrade and its representatives’ belligerence, ignorance and stubbornness. I was placed into foreclosure by SunTrust bank shortly thereafter and came to a point in life that I, who never stutters in speaking, practically lost my sense of speech to the point that a friend came to my house baby sitting me, making certain that nothing would happen to me.
Not long thereafter, my aunt who raised me since the age of four, died and three weeks later my mom, who I lacked seeing so much and missed spending time with, died in a horrible car crash.
Yet this is October 19, 2008 as I am writing this, my wife is still at the same demoted position, and we live in separate houses because “we kids could not work it out.”
Then, I realized that I was right all along. No one knows anything about my life other than the God who created me. The knowledge and ability He gave me is what makes or breaks me and it is not what a ”so called fortune teller” tells me. God gave me several paths to choose, and I must choose one that would be most desirable and fulfilling to me. Although from time to time, just like any other human being, I may scream and say, “GOD, WHY DO YOU DO THIS TO ME?” Then, I realize, he put water, fire, hills and cliffs in front of me, told me the differences and showed me what will happen if I choose each. I did not want to listen and decided to hug the fire and jump off the cliff.
I further realized that I could become credit invincible under His guidance. Allow me to explain this part.
Immediately after having a foreclosure by SunTrust Mortgage Department along with a series of +150 days late payment, a late payment by another creditor and also being involved in a litigation with MBNA/Bank of America due to a “Charge Off” all on my credit reports, I was able to buy several expensive, new, or almost new vehicles ALL in a matter of less than seven months. Guess how good my credit was that all these negative impacts (describe above) had little to no impact on my buying power? You may say, “Okay, so what, you are suffering from high interest rates.” Yes, you are right. My interest rates on these vehicles are—are you ready to read…?
1. A truck of $25,000.00 that has a rate of 4.9%,
2. A fully loaded Avalanche of $48,000.00 that has a rate of 5.5%,
3. A Porsche Cayenne that has an interest rate of 0.99% (using a credit card),
4. A fully loaded Silverado 2500 that has an interest rate of 5.75%, and
5. An Infiniti M series at a rate of 1.99% at a price over 50 is my most recent purchase.
I have all these vehicles and am making payments on all.
Now, let’s see if you understand what I am trying to say. In a matter of a few months in 2008, I have all of these on my credit report along with massive credit card limits;
1. I received a recent foreclosure and several 150+ day late payments for one mortgage loan; (soon to file action against)
2. I received a recent late payment on another loan;
3. I also had a credit card “Charge Off” of an amount -almost $14,000.00;
4. I Bought my first vehicle and still had enough credit and buying power to buy the second vehicle;
5. Negotiate, paid, bought and repaired a house for soon to be Ex,
6. Still had buying power and credit left to buy the third vehicle;
7. Have a judgment on my credit file; because, I was mourning the death of two mothers back to back, fighting a wife, negotiating, transacting and fixing a house for a wife; therefore, I forgot I had another life.
8. Bought another house (not Ex) using a credit card along with small line of credit;
9. Still had buying power to buy the fourth one;
10. Still had credit to buy yet another.
11. And am still fighting.
If you still did not get the message, it means every time you get a loan, that loan and purchase reduces your chances of making the next purchase. Each new purchase/loan must be settled and remain on your credit report for at minimum six (6) months for it to create any positive impact. This means, any new loan will drop your credit score for the first six months, as it is NOT an established account. Now, if your overall credit history is not a long terms history of 5 years or more, a new loan will take even up to a year to become a positive impact.
Do I need to continue or did you get the picture?
Do you want to answer me about my questions of which do I believe- the power of credit or power of spiritual readers/fortune tellers?
Any questions? Go to Q & A of http://www.MasterCreditRepair.net, read and post. Go to the “Comment” page and post your story or comment. Your information will remain confidential. Join my membership club (coming soon).
With love and best wishes for all
Mike Samadi
Mike Samadi
(Copyrighted)
Before I being telling you a very small portion of my recent incidents, allow me to share my belief. I am not a religious person, although I attend churches, temple and used to go to mosques (years ago). However, I believe in God. Everyday, my trust in Him increases. In simple words, there is not a day that I loudly do not announce, “God I Love you and my life is yours.” “God you gave me life and my existence. Every breath that I take, every move that I make, everything that I eat or drink and so much more, is either because you allow me to do so, you provide for me or you make it happen.” It is all because I have seen Hell and life both in the past fifteen (15) years (BEYOND YOUR BELIEF). I believe in a few old sayings: “Love one another”, “Do unto others as you would have them do unto you,” “Think right, do right and talk right.” I also believe in the sayings: “Knowledge is wealth,” “More is lost by indecision than by bad decision”, “Ask and you shall receive,” and “Tomorrow is not promised to anyone.” I use this last one sensibly and carefully as some people misunderstand its true meaning.
However, before you read the rest, I want you to understand that I am NOT bragging. I am just sharing the true fact of established credit and how a good and long term established credit could make you credit invincible.
As much as I do not believe in fortune telling, palm reading, card or coffee reading concepts, once a while to just throw my money away, I would listen to the advice of friends and drive with them to a few of these places, listening to what the ”so called, spiritual readers” had to say. It should read like this, “To my dismay, I had done this three times since 1994, when I was seeking for a way to see how I could turn my horrible life around, as described in my book “When I-RAN,” available to the public in four months. Every time to my disappointment, I would lose a little money just listen to some nonsense that would never come true. Of course, you must understand that from 1994 through 2000, I was working on some large scaled business application/data storage software packages (for the laymen out there- large computer programs for multi-million dollar businesses). I needed a sense of direction and was lost. God was not answering me (or that I thought –He was not). I guess I was expecting Him to come and squeeze & twist my ears and force me to listen. I guess it is called knowledge and patience (that I was lacking and still am).
Anyway, for the past two years, due to my massive legal battles and … (read in the “When I-RAN” book), my former wife asked me to contact Sylvia Brown (the “so-called world renounced psychic”). I asked my wife, how she learned about Sylvia. She stated, “Through the Montel Show.” Since I heard about Montel before (although I never listened to his programs), I decided to listen to his program when he had Sylvia on his show. After a couple of times, I became doubtful as I could not understand how a person can tell a group of audience members what the after life or “other side” looks like. Then, I understood. No one actually knows what the after life is about, yet people are easily deceived. Who knows? I can have you hear anything you want and you would not know the difference anyway. My wife persuaded me by stating that Sylvia helped law enforcement agencies to solve murder crimes. Then I said, ”So the police departments do not need to invest millions of dollars and hire full time investigators –spend weeks, months or even years to solve a crime. All they need to do is hire Sylvia and her son (Chris) to go around the country and let these two finger point the criminals and the cases would be solved so much easier and more efficiently. This way millions of taxpayers’ dollars would be saved, the district Attorneys and the governors would look like angels, and would be happy to hold on to their jobs for life.”
For years, I believed that if the psychics had the ability to predict, then they all would be able to win the lottery all across this country (if not the globe) and did not need to read someone’s palm, card, a coffee cup or have a crystal ball. See, it is easy to predict the unknowns and unpredictable, if you discipline yourself. You may wonder how? Then, read the book “When I-RAN.” However, predicting someone else’s life or future, is a bit out of our hands, for those who believe in God, and is unusually suspicious when it comes to those who do not believe in God.
Anyway, as a result of my wife’s persistence, I agreed to blow away several hundred dollars by calling Sylvia Brown’s organizations. Of course, after a long recording and leaving several messages, I became frustrated and left an educated yet, frustrating message. As a result, I received a phone call and was told that Sylvia’s schedule is booked six (6) to nine (9) months in advance and Chris’ is booked ahead about 3-4 months.
However, to have Sylvia read my life it requires the fee of $750.00 advanced payment of several months and for Chris, it requires payment of $450.00 several months ahead.
The organization would not take any sort of payment but a credit card. To my amusement, would you like to know why? It is so that you would NOT be able to dispute the charge and that by the time the reading comes into the schedule, you would have no way to dispute as your time to dispute would have legally passed.
As a result of persistence, I authorized the charge of $450.00 since I needed to get a sense of direction for a couple of my legal issues.
This was the result of Mr. Chris Brown’s reading:
He insisted that I must stop my litigations, as I would lose them all and I would be spending a lot of time and money for no reasons. He even stated that I would be throwing good money after bad. (MBNA/BOA wants to settle).
He said we do not have any health issues…. And even commented about my family’s…
He said that my finances would be on the up and up and I would not suffer and insisted that I had to continue with my real estate and that only work on my book writing as a hobby and not as a source of income. Again, he emphasized that I must stop litigations.
He also told my wife, who had been recently demoted at her work, not to worry and in June she would be promoted and it would all workout best for her. He persisted that there should be no need for litigation in that matter either.
He also suggested that our relationship, the severely damaged relationship, would workout as he even commented by saying, “You kids need to work it out and everything will be alright.”
He noted a few other things.
I guess God had His own agenda and did not like for me to place my life, future, or trust in the hands or mouths of a ”so called spiritual reader (a fortune teller).”
Let me describe what transpired immediately after the reading of February 29, 2008. A week or so later, my investment account of many years with Ameritrade/Accutrade was liquidated as a result of repeated errors of Accutrade and its representatives’ belligerence, ignorance and stubbornness. I was placed into foreclosure by SunTrust bank shortly thereafter and came to a point in life that I, who never stutters in speaking, practically lost my sense of speech to the point that a friend came to my house baby sitting me, making certain that nothing would happen to me.
Not long thereafter, my aunt who raised me since the age of four, died and three weeks later my mom, who I lacked seeing so much and missed spending time with, died in a horrible car crash.
Yet this is October 19, 2008 as I am writing this, my wife is still at the same demoted position, and we live in separate houses because “we kids could not work it out.”
Then, I realized that I was right all along. No one knows anything about my life other than the God who created me. The knowledge and ability He gave me is what makes or breaks me and it is not what a ”so called fortune teller” tells me. God gave me several paths to choose, and I must choose one that would be most desirable and fulfilling to me. Although from time to time, just like any other human being, I may scream and say, “GOD, WHY DO YOU DO THIS TO ME?” Then, I realize, he put water, fire, hills and cliffs in front of me, told me the differences and showed me what will happen if I choose each. I did not want to listen and decided to hug the fire and jump off the cliff.
I further realized that I could become credit invincible under His guidance. Allow me to explain this part.
Immediately after having a foreclosure by SunTrust Mortgage Department along with a series of +150 days late payment, a late payment by another creditor and also being involved in a litigation with MBNA/Bank of America due to a “Charge Off” all on my credit reports, I was able to buy several expensive, new, or almost new vehicles ALL in a matter of less than seven months. Guess how good my credit was that all these negative impacts (describe above) had little to no impact on my buying power? You may say, “Okay, so what, you are suffering from high interest rates.” Yes, you are right. My interest rates on these vehicles are—are you ready to read…?
1. A truck of $25,000.00 that has a rate of 4.9%,
2. A fully loaded Avalanche of $48,000.00 that has a rate of 5.5%,
3. A Porsche Cayenne that has an interest rate of 0.99% (using a credit card),
4. A fully loaded Silverado 2500 that has an interest rate of 5.75%, and
5. An Infiniti M series at a rate of 1.99% at a price over 50 is my most recent purchase.
I have all these vehicles and am making payments on all.
Now, let’s see if you understand what I am trying to say. In a matter of a few months in 2008, I have all of these on my credit report along with massive credit card limits;
1. I received a recent foreclosure and several 150+ day late payments for one mortgage loan; (soon to file action against)
2. I received a recent late payment on another loan;
3. I also had a credit card “Charge Off” of an amount -almost $14,000.00;
4. I Bought my first vehicle and still had enough credit and buying power to buy the second vehicle;
5. Negotiate, paid, bought and repaired a house for soon to be Ex,
6. Still had buying power and credit left to buy the third vehicle;
7. Have a judgment on my credit file; because, I was mourning the death of two mothers back to back, fighting a wife, negotiating, transacting and fixing a house for a wife; therefore, I forgot I had another life.
8. Bought another house (not Ex) using a credit card along with small line of credit;
9. Still had buying power to buy the fourth one;
10. Still had credit to buy yet another.
11. And am still fighting.
If you still did not get the message, it means every time you get a loan, that loan and purchase reduces your chances of making the next purchase. Each new purchase/loan must be settled and remain on your credit report for at minimum six (6) months for it to create any positive impact. This means, any new loan will drop your credit score for the first six months, as it is NOT an established account. Now, if your overall credit history is not a long terms history of 5 years or more, a new loan will take even up to a year to become a positive impact.
Do I need to continue or did you get the picture?
Do you want to answer me about my questions of which do I believe- the power of credit or power of spiritual readers/fortune tellers?
Any questions? Go to Q & A of http://www.MasterCreditRepair.net, read and post. Go to the “Comment” page and post your story or comment. Your information will remain confidential. Join my membership club (coming soon).
With love and best wishes for all
Mike Samadi
Mike Samadi
Plant Those Seeds!
What the heck am I talking about, you ask?
The other night at dinner, I was trying to explain to my 20-year-old son why he never has any money. I said, “If you keep eating your seeds, you will never have any crops!”
My wife and the kids just looked at me as if I had two heads. I could almost hear my kids thinking, this is just another one of dad’s weird sayings. I couldn’t believe they didn’t know what seed money was all about… especially my wife Pattie who watched these principles in action over the last 25 years in our lives.
I realized that even the people closest to me didn’t fully understand this concept. Wow! Given the state of our country’s economy, I felt compelled to explain it to them and to anyone else who might benefit.
My understanding of “seed money” came from my dad. He began teaching me the basics of money management when I was about the same age as my kids are now. (And I was about as interested in what he was trying to teach me then as my kids are now. Not very!) Nonetheless, this information did sink in – and when I decided to apply it to my life, it was profound.Dad always said, “It’s not what you earn, it’s what you KEEP that counts.”
In order to accumulate wealth, you will need to apply the Law of Sowing and Reaping to your money. Here is my spin on this: once you have a small amount of money saved (seeds), start investing it immediately. As your money grows, reinvest your gains (your new seeds) into another commodity. Think about it…if you continue to consume all of your money (seeds) every week, and leave none for saving (planting), how can you expect any growth-or in this case, wealth?
It sounds so simple, yet few people ever start planting the seeds that will grow into the wealth they desire. As you begin to do so, remember diversity is key. You don’t want to plant only corn; what if it’s a lousy year for corn? Investing in a variety of “crops” makes more sense. I have planted seeds in real estate, the stock market and several businesses of my own. All of them have paid handsome dividends over the years. Some crops do better than others, but as long as you keep planting those seeds in a variety of places and reinvesting the growth, you will be far ahead of the pack!
Many well-educated people believe that wealth is a result of having a higher income. This is absolutely not the case.
If you want to stop having to work for money and have your money start working for you, remember: Wealth is created by investment, not income!
So… where do you start to acquire your seeds?
There are only two tried-and-true ways that I know of:
1. Save your money.
Pay yourself first; the typical millionaire saves at least 10% to 20% of his/her income. Start setting aside a min. of 10% of your income and put it into a “seed” savings account. As soon as you have enough to start investing, do so. No waiting, no excuses, no withdrawing money for any other reason-invest it! Time can either be your enemy or your friend… meaning that, over time, you will either live beyond your means (see #2 below) and dig your hole deeper, or you will learn how to make your money earn you more money.
Here is a great quote from one of the richest entrepreneurs of his time:
“I have found the Midas Touch. Pay yourself first. Save 10% before making your budget, instead of after, as I used to do. I never had anything left after making my budget.”~ Andrew Carnegie
2. Spend less than you make.
No one likes to think about doing without certain luxuries or giving up things they enjoy, but if you want to thrive-not just survive-during uncertain economic times, Accept a little short-term pain (discomfort) in order reap huge long term gains. Take a serious look at every single one of your personal expenditures and then make a decision to free up some cash to put into your seed account so it can start growing. The truth is that most self-made millionaires are very frugal and only spend money on what is necessary and of value to them. That is why they are able to accumulate and multiply their wealth so much faster. For instance, I refuse to buy a first class plane ticket or pay $300 for a pair of shoes or purchase brand new cars because I think that it is a complete waste of good seed money. However, I will happily pay $15,000 a year to send my daughter to private high school to prepare her for college, because that is an investment in her future and well worth the price to me.
Reducing your expenses and buying fewer things does not send out the message that you don’t have enough money. On the contrary, I believe it paints a picture of someone who is fiscally responsible and likely to have even more money to manage with each passing year.
Cutting expenses is often an easier way to save than trying to earn more money. Taking into account your time, work related costs, and paying more taxes on that money, every three dollars you earn as income only really nets you about one dollar to invest. In other words, for every dollar you can cut in expenses is worth three dollars in income!
The principles behind seed money are easy, but the application, for most, is anything but. Many people think they don’t need to learn more about money management until they have more money. The truth is, if you don’t learn to manage the money you have now, chances are you’ll never have more money to manage.
I encourage you to think about putting together some seed money, keeping in mind the basic Law of Sowing and Reaping: it’s not what you earn, it’s what you keep and invest that counts. You will be well on your way to having multiple crops yielding enough wealth to enjoy life on your own terms.
Tip: In spite of the daunting headlines, there could not be a better time to invest your seeds. The notion that you should always buy low and sell high is one most would agree with, but unfortunately that’s not what people tend to do when they are scared. Be proactive. Learn the ins and outs of investing so you don’t have to rely on advice from others. Choose investments you are comfortable with, and soon you will see those seeds grow. Good luck to all you new farmers!
Steve Kennedy
Almost everyone loves the look and feel of a T-Shirts whether they use them more as an undergarment like in past or as a way to express their thoughts on politics, global warming, or just absolutely love the saying or photo.
Years ago, t-shirts were worn as undergarments and were rarely seen in the brilliant colors as seen today. Not only that, but they were normally just plain old t-shirts without any words or pictures. Today, that is not the case. Today, you will find that most T-Shirts are very unique pieces of artwork that are as comfortable now as they ever were, the only difference is they are now works of art in a matter of speaking.
Funny T-Shirts can be worn for the lighter side of marriage, dating, the internet, work, and of course politics. Not too many people get upset over the words on a T-Shirt and take the humor that they would not normally take if the words were spoken, especially when it comes to their favorite presidential nomination.
Many people turn to Christian T-Shirts to let others know their inner heart and their love for God. These T-shirts give you the chance to let others know how you feel with pictures or words that express your faith in God, angels, or in words that show God’s everlasting love.
Searching for unique T-Shirts for gifts or for yourself has never been as easy as it is today with the invention of the internet. Today, you can surf the internet and find unique t-shirts for any occasion such as birthdays, holidays, or just for fun. No matter what your favorite topic might be, you will be able to find a t-shirt with photos of cats, dogs, fairies, dragons, beautiful scenery, words of wisdom, or just cute sayings that fit the mood.
T-shirts are a fashion statement that is not just another fad that will go away in a few weeks. T-shirts have been around for a very long and are here to stay only now they are not something you wish to hide under your shirt to keep you warm during the winter; they are works of art worth displaying to the world. Make your own fashion statement to the world or find a great looking, funny, Christian, or just a beautiful T-shirt for a family member or friend. You will be excited to show off your new tee and so will your friends.
To vote for your favorite T-Shirt and the chance to win prizes or to find one you cannot live without you can visit I Rate This today.
Matt Wan
http://www.articlesbase.com/humor-articles/tshirts-the-unique-fashion-statement-107788.html
If you think hurdling the job interview had been tough, wait until it’s time to give executive gifts. Selecting executive gifts can be a terrifying and time-consuming process, particularly because this is a time for confusion and self-doubt. What in the world can you buy for the boss who has everything? Or for the officemate whose cubicle is right next to yours? What do you give to that special client whose single real estate purchase helped you meet the downpayment for your new car?
The most useful thing to remember in choosing executive gifts is to consider the personality of the recipient. Paperweights with humorous sayings, for example, won’t meet much appreciation from that serious vegetarian who sits three cubicles to the right. Similarly, a bouquet of flowers will only meet blank looks from your dour, 58-year-old male boss who is always to busy he doesn’t have time to smell his newly cleaned office, much more a bunch of poinsettias.
The safest and the most reliable present are, thus, money clips. These are the perfect generic gifts for executives. After all, who does not need money clips? They are stylish, sophisticated, and useful. They are especially helpful for the executive who is keen on organization.
Here are six reasons why money clips will be appreciated by any executive with a bulging wallet.
1. Money clips are convenient.
How many times have you seen bosses or co-workers fumbling as they try to fish out some bills from their bulky wallets? If you were given a dollar each time you see this happen, you’d have enough to buy an entire week’s change of office attire. Money clips get your organized. All you need to do to make your cash slide in or out is to fold your bill and give it a gentle push or tug.
2. Money clips let you consolidate.
The average office worker’s wallet would be filled to overflowing not just with money and credit cards, but also with receipts and other once-useful stubs. With money clips, you will be forced to get rid of them because there won’t be any space for them. Bills and a couple of major credit cards would be everything you would want to put in your money clips.
3. Money clips are fashionable.
Money clips are at the forefront in men’s fashion and are lugged along not only by corporate executives but also by professional athletes and Hollywood movie stars. No one will ever mistake them for your grandfather’s wallet! Even better, they tastefully complement your wardrobe.
4. Money clips are versatile.
Wallets are not very adaptable. You could choose between black or brown, and perhaps add a fold or two, but other than that, there’s nowhere to go. You will never have the same problem with money clips because when it comes to style, you can be as unique as your imagination will let you.
5. Money clips let you personalize.
Money clips may be engraved with initials, names, dates, or even company names and titles.
6. Money clips are inexpensive.
Money clips are so cheap you might even find yourself worrying if its the right thing to give to your boss. Do not let this worry you, however. When it comes to presents, its no longer the thought that counts or the price, but the discriminating taste behind the choice.
Money clips are the solution to your gift-giving dilemma. When in doubt what to give, give money clips!
Bradlley Mckoy
http://www.articlesbase.com/business-articles/money-clips-the-perfect-executive-gifts-for-the-savvy-giver-134699.html
If you want to make your love life more beautiful and strong, then you have to know the true meaning of love and nothing can bring you true meaning of love quite like these sweet love quotes. These sweet love quotes are written by famous authors who are in love and who are able to recognize the true meaning of love. These great authors put their thoughts in their words.
Love quotes help you make your love life happier and stronger. Love quotes are vital and they help you express your love. These love quotes are also known as love sayings. They have covered every possible situation in love journey. In fact, I would say that some of these love quotes have so much of power that they can even bring back a dead relationship if you utter these quotes to your love. . Yes, this is true and I am not lying. When you read them, then you will get to know what I am trying to say.
Here are my favorite 15 sweet love quotes that will touch your heart and soul:
1-Love at first sight is easy to understand; it’s when two people have been looking at each other for a lifetime that it becomes a miracle.
2-If you have love in your life it can make up for a great many things you lack. If you don’t have it, no matter what else there is, it’s not enough.
3-Where love rules, there is no will to power; and where power predominates, there love is lacking. The one is the shadow of the other.
4-Love is missing someone whenever you’re apart, but somehow feeling warm inside because you’re close in heart. ~Kay Knudsen
5-When you’re in love you never really know whether your elation comes from the qualities of the one you love, or if it attributes them to her; whether the light which surrounds her like a halo comes from you, from her, or from the meeting of your sparks. ~Natalie Clifford Barney
6- And if it all falls apart, I will know deep in my heart, the only dream that mattered had come true. In this life, I was loved by you.
7-I love you – those three words have my life in them.
~ by Alexandrea to Nicholas III ~
8-We always believe our first love is our last, and our last love our first.” — Anonymous
9-”To love someone deeply gives you strength. Being loved by someone deeply gives you courage.” — Lao Tzu
10- If you ask me about the love,
I can’t answer you.
But if you ask me who I love,
the answer is you.
11-Each time i miss u,
a star falls down from the sky.
So, if you looked up at the sky,
and found it dark with no stars ,
it is all your fault,
You made me miss you too much..
12-To love and be loved is to feel the sun from both sides. —-David Viscott
13-When you have nothing left but love, then for the first time you become aware that love is enough.
14- Love is like a Rhino, short-sighted, but always willing to find a way.
–Unknown
15-Love is an ocean of emotions, entirely surrounded by expenses.
–Thomas Dewar
Sweet Love Quotes like above helps you succeeds in your love life. They let you discover the true features of love and makes your love life more happy and cheerful.
Manish Kapoor
http://www.articlesbase.com/humor-articles/sweet-love-quotes-743613.html