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    2 Secrets To A Better Future

    #1

    Stop for just a second, take a look around you and ask yourself if this is the quality of life you were hoping for. If you answered “No”, then my question to you is “why not?” “What are you doing to change your life?” Most people who have been asked what they’ve done to change their lives say “it’s no use because…..” and so it goes…. excuses. But it doesn’t have to be that way. The first step in getting out of the rut is to stop making excuses and assume responsibility for the quality of your life. You can change your life situation today. How do I know? I know because others have done it. There will always be obstacles, but none that can’t be overcome. The only requirement is the desire to change. Mark Twain once said “It's not the size of the dog in the fight; it's the size of the fight in the dog.” If your “want to” is strong enough, you can achieve almost anything you set your mind to. The second step to getting out of the rut is step out in faith and, as the Nike commercial says, “Just do it”. There is no time like the present to change course. You might not succeed the first time, but you must keep trying. Success will come with persistence. Remember the old saying “Today is the first day of the rest of your life.” Don’t worry about making a mistake. Albert Einstein once said “Anyone who has never made a mistake has never tried anything new.” So step out. Take a chance, and as William Durant, the founder of General Motors said “Forget past mistakes. Forget failures. Forget everything except what you're going to do now and do it.”



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    Accepting To Improve Your Personal Life

    #1

    Accepting to Improve your Personal Life Do you have the ability to accept the things you can change and the things you cannot change? Do you have the ability to accept that other people are opt to change them, rather than you changing them? Do you accept that you are who you are, regardless of what others think? Can you accept the many changes that take place in your life? If you answered yes to one or all of these questions then you are off to the start of improving your personal life. If you are willing to accept, you have the ability to laugh, even when something is not funny. For instance, if someone pushed you, you could stand back and laugh. The push is only a threat to your emotion, which you will see, accept and find a way to gain control of the situation. When you can accept things in life, including you and others you find a way to take control. When you are in control, it helps you to see how you can improve your personal life. When you learn to accept you will learn to discover you. Individuality is personal, which philosophers over generalize this subject. Many people in the world believe that when we act the same way at all times, we have established our identity. Politically incorrect! We have emotions, thoughts, behaviors, actions, and have been plagued by a world of influences both good and bad. Each day we will feel something new, which causes our personality to reflect on these changes. Therefore, when you see someone laughing one minute and crying the next, you are seeing a shift in emotions, which is a normal pattern of identity for this person. Unless the persons eyes change, behaviors change dramatically, friends change regularly, etc, and you are seeing common behaviors. We live in a world that desensitizes us. We are surrounding by billions of influences on television, in the media, on radio, in house holds, government, schools and so forth. Each to their own, but everyone is judging someone at some time, which is something we have to accept. We cannot change these peoples behaviors and way of thinking, but we can change ours. This is a part of learning and accepting. The best way around the world is become your own influence and allow other influences to make someone else’s life miserable. Only rely on sources that prove truthful with their actions, behaviors and words. Positive reflections are the key to living happier. Once you learn to accept you will be eager to laugh. For instance, if someone makes you mad you will see the humor in his or her actions. You may see the humor in your actions if you make a mistake and feed into their stupidity. Once you start to see the humor in life, you will feel better inside. We are involved in a unruly world filled with greedy people, envious souls, lusty tigers, and so on. We have to learn how to work around these people, accept us and move on. Once you learn to change to better you, other people may follow. Good conduct has proven far more effective than words to encourage others to change. As you grow you will feel a new hunger, and that hunger will guide you to discover new ways to better you. In time as you start to feel better, you will see a need to exercise, eat right, and hang out with positive influences and so on. Once you feel this hunger, you will feel inspired to labor to achieve your goals.



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    When Is It A Mistake To Re Finance

    #1

    When Is It a Mistake to Re Finance? Many homeowners make the mistake of thinking re financing is always a viable option. However, this is not true and homeowners can actually make a significant financial mistake by re financing at an inopportune time.

    There a couple of classic example of when re financing is a mistake. This occurs when the homeowner does not stay in the property long enough to recoup the cost of re financing and when the homeowner has had a credit score which has dropped since the original mortgage loan. Other examples are when the interest rate has not dropped enough to offset the closing costs associated with re financing.

    Recouping the Closing Costs In determining whether or not re financing is worthwhile the homeowner should determine how long they would have to retain the property to recoup the closing costs. This is significant especially in the case where the homeowner intends to sell the property in the near future. There are re financing calculators readily available which will provide homeowners with the amount of time they will have to retain the property to make re financing worthwhile. These calculators require the user to enter input such as the balance of the existing mortgage, the existing interest rate and the new interest rate and the calculator return results comparing the monthly payments on the old mortgage and the new mortgage and also supplies information about the amount of time required for the homeowner to recoup the closing costs. When Credit Scores Drop Most homeowners believe a drop in interest rates should immediately signal that it is time to re finance the home. However, when these interest rates are combined with a drop in the credit score for the homeowner, the resulting re financed mortgage may not be favorable to the homeowner. Therefore homeowners should carefully consider their credit score at the present time in comparison to the credit score at the time of the original mortgage. Depending on the amount interest rates have dropped, the homeowner may still benefit from re financing even with a lower credit score but it is not likely. Homeowners may take advantage of free re financing quotes to get an approximate understanding of whether or not they will benefit from re financing. Have the Interest Rates Dropped Enough? Another common mistake homeowners often make in regard to re financing is re financing whenever there is a significant drop in interest rates. This can be a mistake because the homeowner must first carefully evaluate whether or not the interest rate has dropped enough to result in an overall cost savings for the homeowners. Homeowners often make this mistake because they neglect to consider the closing costs associated with re financing the home. These costs may include application fees, origination fees, appraisal fees and a variety of other closing costs. These costs can add up quite quickly and may eat into the savings generated by the lower interest rate. In some cases the closing costs may even exceed the savings resulting from lower interest rates. Re Financing Can Be Beneficial Even When It is a “Mistake” In reality re financing is not always the ideal solution, but some homeowners may still opt for re financing even when it is technically a mistake to do so. This classic example of this type of situation is when a homeowner re finances to gain the benefit of lower interest rates even though the homeowner winds up paying more in the long run for this re financing option. This may occur when either the interest rates drop slightly but not enough to result in an overall savings or when a homeowner consolidates a considerable amount of short term debt into a long term mortgage re finance. Although most financial advisors may warn against this type of financial approach to re financing, homeowners sometimes go against conventional wisdom to make a change which may increase their monthly cash flow by reducing their mortgage payments. In this situation the homeowner is making the best possible decision for his personal needs. PPPPP Word count 656



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    Learn From Your Mistakes And So Will Your Child

    #1

    Learn from Your Mistakes and so will Your Child Everyone makes mistakes. Granted, some mistakes are more significant than others and harder to get over, but they are a part of life. How individuals deal with those mistakes is significant to their self esteem. Children who are taught from an early age to admit to their mistakes understand that it's not a crime to make one, and they seem to have the ability to cope much better with them. They recognize that a mistake was made and admit the error. Most importantly, these children also develop a strategy to change the mistake and not do the same thing again. The process of making and learning from mistakes is an extremely valuable life skill for everyone because learning involves risking. Every time children risk, they will not always succeed. But they tried something new and most likely learned from it as a result. Children with low self esteem deal with making a mistake quite differently. More often than not, these children use the experience to devalue themselves. Instead of looking at the error as an opportunity to learn, these children interpret the experience as a reason to quit and never try again. They view it as a devaluing and humiliating experience. You can help your child cope with mistakes by first making sure they understand that everyone makes mistakes, even you. Own up to your own mistakes to teach them there's no shame in making them. Make sure they understand that it's okay to make mistakes. This presents a great opportunity to tell your child what you've learned to do differently the next time. Then, offer strategies to turn mistakes into learning opportunities. In the process, you can provide your child with an opportunity to enhance their self esteem and accept responsibility for the mistakes they make. Help your child to realize that the mistake is the problem, and not them. Then help them develop a positive plan for the next time around, and what they'll do differently the next time to avoid making the same mistake again.



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    The New Bankruptcy Law Will Soon Be In Effect

    #1

    The new bankruptcy law will soon be in effect The new bankruptcy laws will be in effect before the end of the year. This is devastating news to those who are already in debt or facing possible future debt. However this is good news to most businesses no longer having the need to file for as much profit loss as some had to in the past. Once the new bankruptcy law goes into effect it will be almost impossible for some individuals to file for bankruptcy. Chapter 13 bankruptcy will be the most likely step anyone can take to file at all. Chapter 13 bankruptcy is more like debt consolidation. Unlike the other options of filing like Chapter 7. Chapter 13 does not liquidate your assets and pay for any of your debts. The individual is still responsible for paying off their debts. It is a plan that is determined by the courts and payment arrangements are then made. Unlike going through a debt consolidation service your allotted time to pay of your debts is determined by the courts. With the future change in the bankruptcy laws people should start planning new ways to avoid the need to ever file. A mistake that is often made by people is over use of their credit cards. Most individuals do not have a back up plan if they were to ever face a loss of income. If they were to be laid off from their job or face an injury that took them out of work for an extended period of time. How would they pay off their minimum credit card payments? Other things like mortgage and car payments are another factor. Another mistake is not having medical insurance for unexpected hospital bills if one was to get into any accident or suffer a major illness. Most individuals are not prepared to pay those kinds of expenses. Putting extra monthly cash into a savings account is one way to plan for future unpredicted expenses. Having a financial back up plan is a good strategy to avoid the need to ever file for bankruptcy. A major cause to the change in the bankruptcy laws is do to some people abusing their credit cards and then filing to erase their mistake. Also some people have made the same mistake and have filed more then once. There are a lot of people that find this decision unfair. Unfortunately we can not change the decision that was made by our federal government. Those who did nothing wrong to fall into debt will have to pay the same price for those who have abused the system. All we can do as a whole is carefully plan our financial needs and have a back up plan to avoid falling into debt. Eliminate the need to ever have to file for bankruptcy.



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    Why Business Credit Is A Must For Every Business Owner

    #1

    As an entrepreneur, you’re hardwired to enjoy a greater level of risk than the average person. But do you enjoy the thrill of business and investing so much that you’re willing to risk: Being hounded by creditors? Declaring bankruptcy? Being denied a mortgage? Paying more than your fair share of interest on your loans? Losing your house? If you answered “no” to one or more of these questions, this may be the most important report you’ve read in a long time. Because, if you’re like most entrepreneurs, investors, and business owners I’ve met over the past 28 years, you’re in danger of facing all of these horrific problems. And it’s all because of your business. You see, entrepreneurs typically make one or more financially devastating mistakes when financing the launch, operation and/or growth of their businesses. In most cases, they don’t realize that they’re making a mistake. And to tell the truth, even when they do realize they’re making a mistake … they lull themselves into thinking that the consequences will be a minor annoyance. Until, one day, they can’t qualify for a mortgage. Or they can’t get the to die for financing offered on the new car they’re buying. Or they’re hounded by creditors and eventually have to declare bankruptcy. And it is all because they use their personal finances to fund the launch or expansion of their business. They then use personal credit cards to pay for business expenses. If you are in business or thinking about starting a business, business credit is a must. Let me explain, most business owner have no idea that they can establish business credit and even fewer know how to how to establish business credit. If owners would take the time necessary to educate themselves about establishing credit they would no longer have to use their personal funds for start up capital or working capital. They would also be able to use business credit cards which don’t report to their personal credit reports, therefore, not lowering the personal credit scores. The most important goal of business credit though is to obtain unsecured business lines of credit, which can be done once the business credit profile is set up properly. Once a business obtains unsecured business lines of credit, they then have the working capital they need to start a business or expand their business. The business owner has check book control to use the business lines of credit as they wish. And best of all, the business lines of credit don’t report to the business owner’s personal credit report. If you have set up your business profile correctly there are a number of banks that will lend to brand new start up business. That is right, brand new start up business with no track record whatsoever. The banks will extend unsecured business lines of credit so they can have the start up capital they need to finance the business of their dreams. Make no mistake about it; business credit is a MUST for every business owner. Don’t put your personal assets at risk finance or fund your business!



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    About Apologizing

    #1

    We all make mistakes. Howsoever intelligent we may be, or wealthy, or experienced, we all make mistakes. Sometimes we realize, other times we don't. But we all make mistakes because we are human. Only God does not ever make any mistake. Some of our mistakes hurt our interest. They don't hurt anyone else. But sometimes, we do few things knowingly or unknowingly that hurt others. That is the time to apologize. Why do many of us apologize immediately, and why do many of us avoid it? Why do many of us say sorry even for an insignificant hurt, while some wait for ages to sorry after committing gigantic blunders? That is a mystery. It all depends upon our thinking, our upbringing, our humility, our sense of right and wrong, and our opinion of others feelings and so on. But do we become smaller by saying sorry? Are we confessing a blunder by saying sorry? Are we hurting our ego by saying sorry? Certainly not. We rather become better by saying sorry. When we say sorry, we feel good, the other party feels good. By saying sorry, we are not making a mistake of confessing a blunder and putting ourselves to risk of ridicule, but saying that look here, I made this mistake, and I am very sorry for that. Please forgive me and let us be friends again. An apology makes us a better person by cleansing us of our guilt. Let us all say sorry as soon as we realize that by any act of ours, we have hurt someone even if the hurt is insignificant. If the mistake is bigger, our apology should match it to bring matters back to normal. Let us apologize at all the times, we make a mistake and make someone happy again and get happiness in return.



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    Mlm Business Mistakes To Avoid

    #1

    : For the many people new to the MLM business, or for veterans who have yet to realize success in the industry, recognizing and correcting four detrimental yet commonly made mistakes can make all the difference. Today, we will look at some of the mistakes many in the MLM business make and what you can do about them. Mistake #1 The first mistake practically everyone makes in this industry is trying to sell. We are in the teaching and mentoring business. If we are doing this right, we are building relationships, not trying to get people into our deals. People can feel the difference when you’re talking to them and trying to sell them. They don’t like it. Neither do you! You don’t like to be sold, and you don’t like the feeling you get when you’re trying to sell something. It doesn’t sit right deep down inside. So stop it! Build relationships, and success will follow. That is key! Mistake #2 Not checking the background of your company leadership to make sure that they have MLM experience, with integrity, is another mistake. Why does this matter, you ask? Well, do you want to build this once, build it big, and build it for your children’s children? Then you better make sure that the people running it know what they’re doing and respect the guys and gals in the field who are building it. The best way to do this is to read your company’s policies and procedures. Some of the things you will find there will make you scream! When you read them, you’ll realize who you are really building the business for and it’s not you! Please, please, read the policies and procedures! Mistake #3 Not knowing how many people it takes to earn the income you want is a huge blunder. Do you want to make $10,000 every month? Okay, then how many people in your organization does it take, on the back end, to make your goal? How doable is that? Are you having trouble just keeping 10, 20, or 30? In most comp plans to make $10,000 a month, you need anywhere from 1,600 to 5,000 people, depending on how your plan is set up. How doable is that when you can’t even keep 30? I know of a comp plan out there that requires less than 400 people to make $10,000 monthly. How much easier do you think it is to keep people in that plan? Pretty easy, I’d say. So make sure you know the numbers, then crunch them to see how doable it is for you. Mistake #4 The final mistake that many MLM distributors make is going after their friends and families. Unfortunately, a large majority of companies out there employ this “technique” as their primary source of lead generation. Ouch! Let me just tell you from personal experience that your “warm market” is the coldest out there! If you’re in a company where this is the primary source of lead generation, you are in for a hard time, my friend! This technique does not work. The best leads are the ones you generate yourself, and if your company, team, or upline doesn’t have a system in place to do that, it’s going to be very tough. These are just a few of the mistakes many people make in a MLM business, but with some basic skills and a good system in place, these mistakes are avoidable. If you are having difficulties, take a good look at these mistakes and see if you’re not making one of them in your own MLM business.



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    Data Recovery What You Need

    #1

    Data recovery is something we hope that we will never need. Whether you simply make the mistake of deleting important software or you lose it all in a computer crash, that valuable asset of information may seem like it is lost forever. But, if you have complete and quality data recovery software on your computer or through your system, you can be confident that it has a backup and it is there even though these things will happen to you. This can be so important when it comes to safeguarding your business or your personal information. What people do not realize is that there are a number of ways that things can go wrong on their computers. Whether you are responsible for the computers of a large corporation, a small business or even just your own personal computer, having a way to restore information when things go wrong is quite important. Here are some things that could happen to you, well, anytime, even right now. Your computer could be running slowly or be loaded with powerful spyware that can destroy files, transmit personal data or, even worse, cause the computer to crash. All of a sudden, it’s gone. Or, you could be working along nicely without a care in the world and bam! A power surge, an electric storm or something else electrical happens and it’s all gone. There are many more ways in which you can lose all of the personal data that is stored on your computer. You don’t even have to have the programs running to lose it. Nevertheless, many people mistakenly believe this will not happen to them and therefore do not do anything to prevent this total loss. Data recovery is necessary for this not to happen. The strange thing is, it takes only minutes to install and use and it virtually and it takes care of itself. It is not overly costly either. So, why don’t more people use data recovery? They just don’t realize its importance. And that is one mistake we don’t want to make. Data recovery is a need all computer users have.



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    Tips To Become Happier More Empowered

    #1

    In a search for happiness, many people look for it in other people and not within ourselves. Many people feel that things like money, a better job, better relationships..etc will make them happy. In reality, to find true contentment you must look inside yourself and learn to be your own best friend. That means you have to trust, love, and care for yourself just as you do the people you consider to be close to you. Following are steps that you can incorporate into your life that will help you to feel more empowered and happy about yourself! Begin to lift yourself up, not put yourself down. If you don't like something about yourself, work to change it. If you can't change it, simply accept it. Don't beat up on yourself with negative self talk. You're not likely to change for the better when you fill yourself with negative thoughts. Give yourself positive rewards. When you do something that you are proud of give yourself a small reward. Try not to wait for others to praise you because you may grow resentful if the praise doesn't come. Pat your own back, it is a great feeling that can stay with you for a long time. Forgive yourself. I doubt that you would keep scolding a child over and over for making a mistake so don't do that to yourself. Give yourself the gift of forgiveness when you make a mistake. After that, work to figure out what lesson you can learn, and use it to make better choices the next time around. Enjoy your successes. Most people can remember all of the details of depressing, painful or even embarrassing events that happened many years ago. What if you did the same thing with all of your wins? Try to remember all of the triumphs and accomplishments that you've made and keep that memory with you and think about it at least once a week. Always remember to celebrate your wonderful qualities! You will soon discover that the more you love yourself, the more you will be able to give love to others and the more others will be able to love you!



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    Top Five Reasons To Establish Business Credit

    #1

    Too Many business owners are using their personal credit to finance the launch, expansion or growth of their business. A majority of business owners have no idea what business is or how to establish it. By following a few simple steps any business owner can establishing business credit, therefore, separating their personal credit from their business credit. When business owners use personal credit card to pay for business expenses, the debt of the business reports back to their personal credit reports which lowers their scores because their business debts hurt their personal debt to income ratio. To help prevent business owners from damaging their personal credit, every business owner should follow the simple steps of establishing business credit. By establishing business credit the debt of the business will report to the business credit file and not the personal credit file. Establishing business credit will also help the business build a strong business credit file so loans, lines of credit wont require the business owner to sign a personal guarantee. Here are just a few reasons why every business owner should establish business credit. 1. Establish creditability. You cant expect to walk into a bank and ask for a business loan with no business credit or business history. By establishing a good business credit profile you will be able to secure the financing your business needs. 2. If your business should fail, you would still be legally responsible if you used your personal credit to finance your business 3. Saving money. Thats right, business credit rates are typically lower than personal credit rates. A few percentage points in interest mean thousands of dollars in the long run 4. Float your business through tough times. Even though everything make be going great currently, you never know when your company will take a turn for the worse or when economic times might change. By establishing business credit you will be prepared for the down time. 5. Get the money you need. Lets face it, without the money you need to finance the launch or expansion of your business you really wont be in business at all. Dont make the mistake of using your personal finances to finance you business. The are many, many more reasons why you should establish business credit. We have all heard the saying, "keep business expenses separate from personal expenses," right? The only way to do that is to set up your business properly in the first place by establishing business credit. If you are interested in learning... What rights does a business owner have if there is incorrect information on a credit report? How do I obtain a business credit score? What do business lenders look at in order to extend business credit? Where do you find companies that grant credit? Which companies report to the business credit bureaus? What credit cards companies do not require personal guarantees? Then I suggest you start the education process of learing how to establish business credit!



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    Changing Habits To Improve Your Personal Life

    #1

    Changing Habits to Improve your Personal Life Habits, oh those nasty habits. Habits are developed from training, influences, observation, and practice. We develop many habits throughout our life, which some are good and others are bad. Good habits we can keep, but if one wants to improve their life the bad habits has to take a hike. Getting rid of bad habits however is not easy, especially if an addiction is involved. For this reason, we can take a few steps to learning how you can change your habits. Making excuses: People wander through life making excuses. Anytime a person sees something complicated, they will often make excuses why they cannot deal with the problem. “This is just the way I am.” This is a common problem in the world, which we’ve all heard billions of times. If you are out to improve your life however, you need to say, “This is something that hinders me from achievement and I have the power to change it. The first key to success is stop making excuses. Learn how to tell the truth. The truth is the only answer that leads you to improve your personal life. Once you learn to tell the truth, you will need to commit self to learning new behaviors and habits. You can commit by choosing a new habit. Today I plan to drink more water. Some of us detest water, yet water is our way of living healthier. Instead of detesting something that will save your life, start saying, today I will drink more water. Even if you start out drinking a glass for the first couple of days, you are making changes. Today I am going to stop judging others and myself. This is a common mistake people make in the world. They spend time judging others and themselves. This gets them nowhere but in a world of chaos. You make your bed, you must learn to sleep in it, which is why you should change your ways. Judging is only for our Master in the sky. Do you think negative? I can’t change this. My life is full of nonsense, I can’t swing it anymore. Why me? Who put a tag on my head, saying persecute me. If you spend your life thinking negative and saying negative connotations, try changing your ways today. For instance, say, I can change something and I am going to. Instead of saying life is full of nonsense, accept it as truth yet move ahead to make your life better. Why me is a common question, which no one knows why, yet we have to accept it, make better decisions and move ahead. If you feel persecuted, ask you what you are doing that makes you feel this way. Do you have friends or family members weighing you down? If so, then kick their butt down the road and make new friends. No one in life is worth you suffering ongoing. You have the power to make changes, yet you do not have the power to change other people. When you start to make changes to improve your life, start small. Instead of jumping the gun, take baby steps to success. Too many times people try to change overnight. This only leads to frustration. When you are working to change your life and habits make sure you seek support and feedback. You do not have to walk the road to success alone. Feedback is found at your library, the Internet, at colleges, and so on. You will find support along these channels as well. Ask someone you trust to support you and give you feedback when needed also.



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