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According to the American Medical Association Journal, over
100,000 Americans die in hospitals every year due to side effects
from regularly prescribed medications. Throughout America, a
huge amount of medication is prescribed on a daily basis.

The medical community openly acknowledges that fact that it does not
have any cure for several common diseases that affect people.
Most allopathic medicines have side effects that can range from
mild to severe. The reason for this is that most of these chemicals
have certain toxic properties. This is why there have been so many
prescription drugs that got pulled from the market after enjoying
several years of FDA approval.

The sad thing is that very few doctors nowadays bother to inform
patients about possible side effects due to close and cozy
relationships with the pharmaceutical industries.

Half of the truth is that pharmaceutical companies will only tell
doctors as much as they want to and not reveal the complete
picture. Therefore, the doctors are not completely to blame because
they cannot warn patients against side effects of chemicals they are
not aware of.

The trouble is that the business is so profitable is that these
medicine manufacturers are more concerned with profits and FDA
approval rather than the overall effect on the patients.

This is one reason why several doctors are now beginning to
recommend complementary alternative treatments, like herbal
therapies and medicines.

Here are some interesting facts:

• The totally amount of annual profits made by pharmaceutical
companies through sale of drugs in the United States alone is
over $100 billion

• More than 25% of all prescription drugs available contain plant
derivatives

• More than 80,000 types of plants are used all over the world
for medicinal purposes

• Over 75% of the global population depends on herbal remedies
for regular treatment

There are several choices available for people who are looking for
alternative remedies, including Acupuncture, Yoga, Qigong, Tai chi,
Ayurveda, hydrotherapy, massage therapy, homeopathy, energy
medicines, holistic approaches, and aromatherapy. In fact, the
number of herbal remedies available for different ailments equals
(if not exceeds) the number of regular drug treatments provided by
pharmaceutical companies.

The point is that prevention always was and always will be better
than any cure, mainstream or alternative. The advantage of herbal
remedies is that they move an individual towards a lifestyle more
geared toward prevention and cure in the early stages of any
affliction.

Pharmaceutical drugs work only after the problem has
development, they do not try to prevent problems because then the
manufacturing companies would go into a loss.

This is where herbal remedies leave the mainstream drugs behind.
This is also the reason why so many people are daily turning to
herbal therapies.

Herbal remedies treat the cause of the disease and not the
symptoms (like conventional drugs). Herbal remedies also have
almost no side effects.

Gaetane Ross is a Certified Natural Health Consultant who has spent over 4 years focusing on Nutrition and Health. She also specializes in Alternative Medicine, Spiritual Healing and Healthy Lifestyle. Gaetane’s mission is to positively transform the lives of everyone she meets by providing advice on Healthy Living.

Please visit Gaetane’s website for Professional Health Advice or Nutritional information at:

http://Live-O-Natural.com

http://HealthProductsReviewsLive.com

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You who read this, may be an engineer, a mechanic, an inventor, a student, or even someone without an engineering background. My observation is that the general public has little knowledge of basic science and even engineers and other professionals often lack in basic insights, in spite of being advanced in their specific fields. This often leads to unfeasible projects and wrong choices, based on wrong assumptions, that no computer can correct.

I myself am a graduated engineer on B.Sc level in both mechanics and electrics. Nevertheless, most of what I know worth knowing as an engineer today, I learned from practical experience and backing it up with own theoretical studies afterwards. It forced me to focus on basics. When you have the basics right, the rest is just methodology, where the computer can be very helpful, but don’t let it “think” for you!

If you have no engineering background, why would you need to have some basic knowledge of all this, you may ask? Well, we live in a technological society and so we are confronted with technological matters and products, that we need to understand the basics of to make proper choices. Ever bought expensive “energy-saving” lamps, while in the same time needing to heat your home? Do you think hydrogen and/or fuel cells are energy sources? Do you think energy can be produced and consumed? Would you invest money in solar panels, or other renewable energy technology for your home? The more these kinds of things apply on you, the more you need to read this article.

The Laws of Newton

The metric, or SI system of units is based on the laws of Newton and so is most of modern mechanics and dynamics. They are essential for basic understanding:

• 1. A mass object persists in its momentary motion to speed and direction, unless it is forced to change it by external forces working on it.
• 2. The acceleration of an object is proportional with the force F working on it and inverse proportional with its mass m. Hence, the acting force is given by: F = m.a
• 3. A force acting on an object, will yield a counter force of the same strength in the opposite direction: action = reaction.

Although these laws sound simple, they are often wrongly applied, or overlooked. Especially the third law appears to be the most fundamental one, still not fully understood by Science and subject for discussions on the highest levels (how can you move a table for example, as it pushes back with the same force?).

Power and Energy.

Power and energy are very often mixed up. For example a lightning, causing a tree to split into half, is very powerful, but it has very little energy, because it lasted only a fraction of a second. Energy is the range of power and time. Power is expressed in Watt and energy in Joule - 1 Watt thus is 1 Joule per second, inversely 1 J = 1 Ws (Watt second). If you during one hour would apply a power of 1000 Watt (1 kW = 1 kJ/s), which approximately is what a flat iron takes, the energy involved is 1 kWh and this is thus equal to 3600 kJ. If you instead would develop that energy in one second, the power becomes 3600 kW, or 3.6 MW - a small power plant! If thus a lightning would have a power of say 10 GW and lasted 1 millisecond (it looks much longer, because of the glowing air around it), it contained an amount of energy of just 10 MJ = 10,000 kJ, not more than 2.8 kWh, or to power a flat iron for around three hours! If you in brochures would read dimensions like kilowatt per hour, or horsepower per hour, you can know that the author has no idea what he/she is talking about.

Energy is also the range of force and traveled way. If you lift up a mass of 1 kg to a height of 1 meter, the force needed for that is the range of mass and gravity acceleration, as per Newton’s second law. On Earth, gravity acceleration is 9.8 meter per second square, which we can round to 10. The lifting force then becomes 10 kilogram meter per second square, which is called the Newton (N) and the work done is then 10 Nm (Newton meter), which is 10 Joule: 1 J = 1 Nm.

The same confusing exists around temperature and energy. What would you rather have in your hand, a 1 inch red glowing sewing needle, or a 4 inch red glowing bolt? Though both have the same temperature, the needle will just cause you a blister, whereas with the bolt, you won’t have a hand any more. The bolt contains much more energy (more mass) than the needle and that makes the difference, not the temperature.

If you would be interested in a solar panel to heat water in your home, the temperature it can yield is therefore not that important. You pay for energy instead and that is what you want to save on. Ideally, a solar water heater should work on a low temperature, so it doesn’t loose too much heat through its insulation and produce a larger water flow instead. You then save more energy = money, because of the higher efficiency on which your solar panel works. To reach your desired water temperature in the kitchen and bathroom, you can heat additionally with say an electrical heater. Combination with a heat pump, also taking up heat from your warm waste water, would give the absolute best results (but high installation costs). Read more about that at the end of this article.

However, manufacturers of solar panels optimize on temperature, which is a good selling argument for the energy-unaware public. At higher temperatures, the size and thus the costs of the whole installation, including storage tank, become lower, which also sells better. They don’t talk very much, or at all about efficiency, being the relationship between how much solar energy hits the solar panel and how much of that you can use in the end. They talk about capacity instead - solar energy is “free”!

Next to consider is Pressure. Usually it is that of a fluid, like a gas. It is expressed in Pascal (Pa) which is force (N) per unit of area and thus 1 Pa = 1 N/sqm (Newton per square meter). Atmospheric pressure at sea level is roughly 100 kPa, thus 100,000 N/sqm. In technical descriptions it is also often called the bar - 1 bar is thus atmospheric pressure. Pressure can also be seen as stress in materials, tension. In the SI system of units, pressure and tension are thus both expressed in Pascal.

Then there is contact-pressure. This is what makes a knife work. The sharper a knife, the smaller its edge area (A) is and for a given force (F), the contact-pressure (F/A) becomes larger, also expressed in Pascal. With this, all units in the SI-system are given. It has only three basic units, the kg for mass, the meter for length/distance and the second for time. No conversions are needed

Circular Motions.

From Newton’s third law follows the perception that on an object in mechanical rotation, two forces are working, a centripetal one, pulling the objects towards the center of rotation, and a centrifugal one, tending to push it out radially away from that center. If the mechanical contact with the center of rotation suddenly is broken, in that very moment no forces are working on the object any longer and thus it will move as per Newton’s first law, meaning it keeps its speed in the direction it had in the moment just before losing contact. That speed was directed tangentially and thus the object will “fly out” in the tangential direction, not radially. In fact, centrifugal forces do not exist, because then there would be no resulting force to keep an object in its circular path - only the centripetal force exists. This is a hot discussion point in Science - Newton’s third law.

Hence, when you are in a car that makes a sharp curve, your body does not push against the inside of the car (centrifugal), but the inside of the car pushes your body into the curve (centripetal). As per Newton’s first law, your body wants to keep its direction of motion, straight ahead, just before entering the curve - it’s called inertia. There is only one force, the centripetal one (free motions in gravitational fields, such as orbits of planets and satellites, are described in General Relativity, which we won’t discuss here).

From this follows the notion of “inertial” systems, which are frames of reference in which Newton’s laws are valid. An accelerated system is thus not an inertial system, because motions described in it, would not follow Newtonian laws. This causes a severe point of confusion, as follows:

If you are an inventor of “fantastic” mechanical machines, your really should understand the implements of impulse. Impulse (p) is the amount of motion, being the range of speed (v) and mass (m), which is equal to the range of working force (F) and the working time (t): F.t = m.v = p. An impulse has a direction, which (kinetic) energy has not and therefore impulses can have a positive or a negative sign between opposite directions of motion. Because impulse is a function of force (the time-derivative of it), Newton’s third law requires that the sum of all impulses of moving components within a system (machine) must be zero. However, many inventors, not being aware of this, “create” a resulting impulse, that accelerates the system.

What they do is mixing up reference systems and impulse with energy. If you consider a mechanical system (machine), that has a certain total mass, but also internally moving parts, the resulting impulse of those parts, the sum of all impulses, will be zero relative the system’s center of gravity, but not necessarily relative a resting frame of reference (an observer) in which the whole system (machine) may be moving (at constant speed). The sum of kinetic energy of all the internally moving parts, is of course a positive value (negative energy is less than nothing). This value is the system’s internal (kinetic) energy. Since this internal energy is needed to keep the internal parts moving, there cannot be any energy left to accelerate the system (machine) as a whole. On the contrary, energy must be applied all the time to overcome the friction that the internally moving parts are subjected to, otherwise they would come to a halt. This applied energy converts to heat.

Sadly, there are several patents on according designs, claiming to be “inertial drives” for space-ships or whatever. Their inventors, some of which may have ruined their private economies on this, were not confident with the basics of dynamics, as outlined above. See some of those unfortunate examples here: http://jnaudin.free.fr/html/IPEmain.htm

Mechanical Engineering Concepts

Now, imagine you had a ball that is perfectly spherical and a table that is perfectly smooth, so when the ball is placed on the table, the contact area becomes a dimensionless point - zero whatever. Then the contact-pressure F/0 becomes infinite, regardless how light the ball is - something must break. No material could withstand an infinite contact-pressure and from this follows that not even with the most fantastic materials, yet to be developed, a frictionless machine could ever be built (that would require ideal point and line contacts).

Some inventors have a problem with that, like a patent I once saw, where a 15 cm (6 inch) diameter cylinder was rotating at 1500 rpm in a somewhat larger cylinder, supported by a number of smaller rollers in the size of just a few millimeters - it looked like a ball-bearing in cross section. These rollers would rotate at roughly 50,000 rpm. You look in any bearing table what the admissible speeds are and you would see that this design exceeds the limits by far; self-destruct through friction!

Another problem that many inventors have is judging leakage potential. Leakage is a function of pressure ratio, not of pressure difference and it varies to the third power with the clearance gap between the boundaries. It means that the same sealing device, that would leak in an however deep submerged submarine, would leak more in a space craft, because there the pressure ratio to vacuum is infinite - many don’t seem to know that. In addition, even less known, is that the best sealing is obtained with a single, unbroken sealing line, ideally a circle.

Therefore, the reciprocating circular piston machine will always prevail over any rotational displacement concept, that contains several broken (discontinuous) sealing lines. These rotational concepts can be used and are used in low-duty applications, where they have their advantages, such as in air-driven hand tools, industrial compressors, etc, but not in heavy-duty combustion engines. This is why the Wankel never became commercial, except a few years in cars from German NSU, that went bankrupt on it in the 1970-ies.

One can see the most ‘horrible’ designs in various patents, the worst I saw being an engine, consisting of a torus shaped tube, with a slot over its inner length to let through a piston rod, attached to a circular piston moving in that torus, while flat plates were sliding radially in and out the torus to form alternate compression and expansion chambers - at best a good cream-wiper (but it got a gold medal in an inventors contest - its glorious funeral)!

Many inventors have tried to find a linear transmission, that can replace the pendulous crankshaft. It has various disadvantages, such as causing vibrations of higher order, but most of all causing side-forces on the pistons, resulting in excessive wear and leakage there. I once read a statement from a development manager at Volkswagen in Germany, that the crank mechanism alone stands for 20% of the fuel consumption. All alternative designs I have seen, indeed convert the linear piston motion into a rotating one on the shaft and without causing side forces on the piston, but instead they generate the same or higher side forces on sliding parts elsewhere in the design, causing excessive friction and wear there - definitely no fuel savings. I have found a design that does not contain any sliding parts, but consists of rotating components only (I got the idea, when I was with my kids in a merry-go-round). Had I only come up with this a good 100 years ago, I could have made it, but now the pendulous crankshaft is so well established in automated production lines, that it can’t be changed any more. I almost hade it made with Compair-Reavel in the UK, around 20 years ago, but also they found it in the end too costly too change their production line - my bad luck!

Thermodynamics

Another basic thing, often misunderstood, is that energy can’t be “used up”. Surely, the gasoline you put in your car is used up, but the energy it developed is still there, to stay around for all eternity. All the chemical energy that was stored in the original fuel, is converted to heat. Firstly at high temperatures in the car’s engine, but then decaying to heat at ambient temperature. The rest is also converted to heat by friction, the tires on the road, the transmission, air resistance, etc. All energy that we “use” with our technology, finally decays to heat at ambient temperature, even the light from your lamps at home does that.

So is there the term “waste heat”, as opposed to “useful heat”.What is useful? Take “energy-saving” lamps for example. If you live in a cold climate, where you have to heat your home, a normal cheap hot glowing light bulb actually delivers 100% useful energy, 5% of which is light, the rest is heat, that helps heating your home, but this is not what you are told. Only the 5% light is brought forward as “useful” and you are told that you are “wasting” 95% with a normal glow bulb. Only in warm climates, especially third-world countries with very expensive electricity, or in cooled rooms, the use of energy-saving lamps makes sense!

The misconception by the public is that useful energy is “consumed” and waste energy is not. The real situation is that the useful energy is just used, but not “consumed” and is wasted after usage just the same. That’s why your energy bill comes back every month - nothing of what you used, is left. Therefore you read everywhere about “energy production” and “energy consumption”, not in the least used by decision makers in energy politics! It indicates that there is no basic understanding in public society, what energy is about and so unfeasible projects are initiated, wasting time and (your tax) money.

The First Law of Thermodynamics says that energy cannot be created (produced), nor destroyed (consumed). We can only convert energy from one form to an other and the Second Law of Thermodynamics says that it all finally must decay to heat at ambient temperature and so it does. Even though many know this, that is end of story for them, as far as the First Law is concerned. However, the scientific definition of the First Law says that if you add energy to a system to bring it in an other condition, you must remove the same amount of energy to bring it back in the original condition. Naturally, because if we could remove more, energy would be created from nothing and if less, energy would disappear into nothing. This formulation has great consequences, as follows:

Let’s consider an ideal hydrogen (water) engine, by which we pour water in it on one side and the same water AND useful mechanical energy comes out on the other side. Because the engine returns the same water as was applied (firstly as steam, but than condensing to water at ambient temperature), there cannot be a net output from the engine - it would have been created from nothing. If there is an output anyway, this means that the according energy had to be applied as well, not only the water. Indeed, we must apply energy to split the water in hydrogen and oxygen. If that could be done at an efficiency of 100% (electrolysis has only 60%), then that energy could appear as mechanical work on the shaft. This then means that the hydrogen only was an energy converter, definitely not an energy source!

Hydrogen does not occur in free form on Earth, like fossil fuels do and therefore hydrogen can never be an energy source. Give me a dollar for every article that says different and I will be well off!If there would be a method to obtain free hydrogen at considerably less energy input than what combustion with oxygen gives in output, yes, then it would become an energy source, but such a method has not yet been found.

Instead of splitting water, hydrogen can be obtained from natural gases, such as methane. It shows however that the overall efficiency of such a hydrogen loop in a combustion engine would have a somewhat lower overall efficiency than using the natural gas (or bio-gas) directly in a combustion engine. Moreover, hydrogen is a very tricky gas to store and to handle. Not only is it very explosive, but it tends to exude through most metals as well. It is very voluminous, around ten times more than air and thus needs to be brought on high pressures to keep the volume down and that takes a lot of compression energy. Liquefying it would even take more energy, plus a temperature problem for storage as well. There are materials that can absorb hydrogen gas at a lower temperature and give it off again at a higher temperature, surely the better way, but also not very cheap and practical in a distribution system. All together, there is no economy in hydrogen engines, but it may have an environmental advantage - the only viable argument for using it, provided the consumer wants to pay the higher costs, do you?

The same can be said from fuel cells, working on hydrogen - they produce water (steam) and need a steady supply offresh hydrogen and oxygen to work continuously- whereto get how? Yes, the energy that fuel cells are supposed to “produce”, originally came from fossil fuels to manufacture the input hydrogen. Can we call that “non-pollutant” energy? A fuel cell is NOT an energy source, just an energy converter.

The importance of using spontaneity in physical processes is largely unknown, because it has to do with entropy, something not explained very well in schools. So I had to learn in practice, by trial and error, that if you want to separate fluids from each other, you must try to find a design by which this happens as spontaneously as possible, for example with “smart” piping, rather than using filters. The more you try to force it about with various design details, the more you will lose in efficiency - you “produce” entropy as it wrongly is called. The more you force about a process (introduce “irreversibilities”, as it is called correctly), the greater the change of entropy is, the lower the efficiency becomes. Entropy is an essential part of the Second Law of Thermodynamics, not to say the whole of it, but yet there is no general agreement among scientists, what entropy actually is - very confusing.

The Second Law is actually not a “real” law, because it is based on observations only, not on any physical principle. This means that if the observations would change, the Second Law would have to change too, but this hasn’t happened yet, which makes it a law. In everyday life we experience that most things don’t happen spontaneously, only accidents, or coincidences in general, do (”Murphy’s Law”). If we want things to happen, we usually have to do work for it. Hence we could formulate the Second Law as: “for free only the Sun goes up”. On the internet, this formulation of the Second Law is widely violated by millions of web sites, trying to let you believe that for a small investment, you can become rich very soon. But that is not engineering (rather “religion”), so I leave you with that.

In engineering, especially when it comes to renewable energy sources, the Second Law is also widely violated, or rather ignored. Oh yes, solar energy is free, but you can’t use it for free, why not? Because it is widely spread in Nature and thus the effort to collect it into one point of usage and to present it in a usable form, is very large and you have to pay for that effort. Using fossil fuels is cheaper and easier and that’s what we do instead. The same would be valid for nuclear power, but there the “environmentalists” have been successful to obstruct it - with thanks from the Arab oil sheiks.

Renewable energy is something the Second Law is very much against, because it wants to spread it out in the environment, not to collect it for our use. Therefore these renewable energy sources are high-entropy ones, meaning you must do a lot of work to make use of them (low efficiency). There is one exception though and that is hydro-electric power. The forces of nature actually do all the work for us, by collecting rain water in high situated reservoirs, ready for us to use; they are low-entropy sources. But also here the “environmentalists” choose to favor the oil sheikhs instead.

Next would be heat pumps, which are inverted refrigerators. A heat pump absorbs heat from the environment, usually from the ambient air, by generating a cold surface there. This surface is small, but it actually collects heat from large, remote areas, brought by the wind. Also here, the forces of nature do the collecting work for us, a second exception on the rule (compare with a storm blowing aside of your wind propeller, without affecting it, or the Sun burning a hole in the ground next to your solar panel, also without affecting it).

The heat pump, as the name says, pumps up the ambient heat to a higher temperature that we can use, for example to heat water. Also its drive power is given off as heat at usage temperature, is thus no loss (where it is in a refrigerator) and so a heat pump can give off between 3 and 4 times more energy than what it takes to run it. If all the billions of dollars that to date and ongoing are wasted on wind propellers and solar collectors of various kinds, would have been used to provide all households with heat pumps, many power plants could have been shut down by now and no more oil would be burned in homes for heating. This however is a truth with modification. A huge polluting industry, likely using fossil fuels, would be behind all those heat pumps, but that would be the same also for wind propellers, solar panels and the production of hydrogen and fuel cells, all having to be financed by the consumers and making profit as well - the Second Law all right:”For free, only the Sun goes up”

Rudolph N. J. Draaisma
CONSULTING ENGINEER
Online expert advice for your best solutions, against a small fee for short-term issues.
Expert on Energy Conversion & Recovery Systems
also providing: CAD drawings, Techn. Documentations, Calculations, Translations, R&D projects
The Alternative Energy and Engineering Site

What?

I guess at this point in my life, some would say I have gone completely “around the bend” or “over the edge” about this issue of getting more focused, organized and productive. It is no longer just an area of interest for me. It is my career, my passion and pretty much all I want to do for the rest of my life. I believe that studying about and teaching this body of knowledge is my true “calling,” and my fascination with this field continues to grow stronger each day.

If you study any topic diligently, sooner or later you begin to see fascinating connections and begin to understand how the various strands of knowledge and snippets of information come together at a common point. When this starts to happen, you can’t help but wonder about the unifying element of it all. You wonder, “Is there a central idea, concept or focal point that pulls it all together?”

So…is there a focal point or unifying element of getting focused, organized and productive? I’m beginning to think there is!

So What?

If you observe highly focused people, you can usually track their behavior to the same controlling source. If you trace good organizing habits to their source, you always arrive at the same place. If you track down what makes a person highly productive, once again, you find yourself heading in the same direction. It’s as if you backed down the train tracks heading out of New York City until you arrived at their originating point. If you do this, sooner or later, you arrive at or near 42nd Street and Park Avenue…New York’s Grand Central Terminal.

In similar fashion, if you back down the tracks leading to focus, organization and productivity…they take you to the Grand Central Terminal of human beings…the brain.

I often tell people who are struggling to get organized, “If you get your mind right…everything else will begin to easily fall into place.” I suspect most people probably pass this off as a casual statement or consider it tired, worn-out advice. However, in my mind, there is no better advice I can offer. I have studied this topic for a long, long time. I am becoming more convinced that the human brain is the focal point that pulls everything together. Therefore, if you understand more about how the brain works, you will begin to uncover the true secrets of living a more focused, organized and productive life.

Now What?

A friend of mine recently bought a very expensive, very sophisticated new car. Right after he bought it, we jumped in his car and took a short ride. The car is the high-tech automotive equivalent of a thermos. It knows! Just as a thermos somehow “magically” knows to keep cold things cold, and hot things hot…this car knows how to assess various situations and respond accordingly and appropriately. It has enough buttons, switches, bells, whistles, gadgets and features to keep a rocket scientist happy for quite some time. Fortunately, my friend is a maven with regard to such matters, and I am convinced he will learn to use all the technological wonders available in his new car. However, I imagine some people will buy a car just like my friend’s and never learn to use a fraction of the gadgets. All the gadgets will be available, ready for use…but they will get little use out of them until they take the time to understand how these features work.

In a sense, this is a good metaphor for your brain. It also has a lot of interesting bells, whistles, gadgets and features. You increase your ability to take advantage of these wonderful features if you know more about how they work. Here are just a few examples:

• The brain has three separate systems that either work in harmony or compete for control over your behavior. One system is in control of your automatic functions such as breathing, heartbeat, temperature, metabolism, etc. A separate brain system controls your emotional functions. A third system controls your ability to think and exercise sound judgment. Everything works best when the systems are in balance and working together. When you see someone who is focused, organized and productive, the three systems are operating in harmony. The best way to create balance among the three systems is to pace yourself properly (as opposed to overloading your systems with too much input) and simply think about what you are doing…when you are doing it. Another way of saying this is: Do one thing at a time! Somewhat rare behavior these days. The brain systems work together best when you focus on one thing at a time.
• When you begin to overload your brain systems by multitasking, rushing or operating under too much stress, your emotional brain (the limbic system) takes over and starts calling the shots. One part of your emotional brain (the amygdala) hijacks your body and takes total control over your behavior. Although this can be a good thing at times (for example, if you find yourself being chased by a saber-toothed tiger), unlike a thermos, the emotional brain doesn’t always know how to respond appropriately to incoming messages from your five senses. For example, when the incoming messages indicate a tiger is on your tail, every nonessential brain system that doesn’t have a lot to do with running in the opposite direction is essentially shut down. One of the first systems to shut down is the thinking system of your brain (the neocortex). Your emotional brain basically says, “Don’t think…run!” The good news…we are not chased by tigers very often these days. The bad news…the brain doesn’t know that. Anytime you operate under too much stress, the brain thinks a tiger is on your tail and shuts down the thinking functions of your brain. In general, when the thinking functions of your brain are shut down, you default to your habits…good or bad.
• The moral of this story…if you are going to operate in a state of heightened emotions, you had better install some very good habits in your brain and nervous system to handle things important to you. That’s why they make pilots, astronauts and military people drill on emergency procedures so much. When the amygdala hijacks their bodies, they can still function effectively. Therefore, forming habits is the key to success in getting more focused, organized and productive. Planners, file systems, electronic gadgets and gizmos only work if the proper habits are formed first.
• The brain also houses your memory system, which operates much like a sophisticated tape recorder. Unlike a regular tape recorder, the brain’s memory system stores both facts and feelings. When things happen to you, a part of your emotional brain (the hippocampus) records the facts related to what happened and another part (the amygdala, again) records the feelings associated with the facts. When a similar, not necessarily identical, set of facts occur in the future, the tape recorder is turned on and the recorded feelings resurface and strongly influence your behavior. For example, if your parents scared you as a child by saying, “Don’t talk to strangers,” a little too often with a little too much emotion, you may have trouble being a superstar salesperson as an adult. You’ve probably got a tape running that inhibits your ability to perform one of the most critical functions in sales…talking to strangers. Most people have strong tapes related to money, taking orders, giving orders, being assertive and other issues related to being a successful businessperson. Some of your tapes serve you well…some don’t! Learning more about your tapes can be an enlightening experience.
• Although people often compare the brain to a computer, it is really better to think of it more as a chemical factory. All instructions issued by the brain are carried out by chemicals call neurotransmitters. Therefore, what you eat, how much you exercise, how you breathe, and anything you do that alters the chemicals flowing through your brain can alter your behavior. Basically, the neurotransmitters running through your brain and nervous system fall into two categories…excitatory or inhibitory. So, take a look at your current life speed and figure out if you need to slow down or speed up. Here’s a hint…learning how to breathe properly is a good use of your time if you want to influence neurotransmitters.

I could go on and on about how the brain, tapes, neurotransmitters and other factors influence behavior. But here’s the main point: If you really want to experience quantum leaps in your ability to get more focused, organized and productive…learn a little more about how your brain works. When you understand more about how the brain works, you can actually begin to exercise some measure of control over it, especially when you are operating under stress. Otherwise, it controls you…and you wonder why you intended to do one thing…but did another thing entirely.

You can receive regular tips on how to live a more productive and joyful life by subscribing to Chris’ blog at http://www.chriscrouch.typepad.com

Visit http://www.thegosystem.com to learn about the GO System, a course of easy-to-implement ideas on improving focus, organization and productivity in the workplace. The GO System is available as a self-study program, and is also taught by corporate trainers and professional organizers all over the country.

To learn about becoming a Certified GO System Trainer, visit http://www.gosystemcertification.com

A forex calendar (also called a foreign exchange calendar or an economic calendar) is one which is designed to help traders and investors learn about upcoming major economic information, such as the consumer price index, private medical insurance rates, and unemployment rates. Even government reports are included. These calendars operate on a much shorter time scale and they are generally released every hour or so.

There are many tools at the disposal of a global trader and the forex calendar is an integral one. One can hardly make decisions (or be informed about a managed account) if one does not know the current state of the market, and keeping tabs on a forex calendar is an easy way to do just that. This, in conjunction with sharing trade strategies or advice across the web, can really give a relatively new trader that extra edge. The calendars make it easy and quick to keep up with recent economic events. Although the foreign exchange market is extremely stable, even small events can cause brief ripples in the market and give a patient, observant investor time to slip in and make a tidy profit.

One can hardly consider oneself up-to-date with economics without paying at least some attention to the global currency exchange. It is one of the largest and certainly the most stable market currently available (not to mention the fact that it is widely considered to be perfect competition), and offers trading opportunities on a wide variety of scales, from individual to corporate, from small amounts of bills to huge transactions. There is a lot to keep informed about, and forex calendars can certainly help.

Without the aid of forex calendars, investors would hardly know when to act (and even still, what action to take!). It is highly recommended that the budding investor (or long-time traders who want to be sure to stay in touch with the market) pay close attention to the information offered by the foreign exchange calendars. If you are going to react quickly and effectively to the ever-changing foreign exchange market, you will have to make absolutely sure you know what is happening, and when. It probably is not a bad idea to check a calendar several times a day and record any changes to the market, which would allow the savvy investor to react accordingly. Want to get the most out of your account? Be sure to check a calendar.

Find the best information on forex training. Rick Williamson researches forex information at Forexebookstore.com.

Although it will not be easy, avoiding key commercial real estate financing mistakes is likely to eliminate critical commercial mortgage problems that often have disastrous consequences. The combined use of advanced investment strategies and proper precautions is likely to produce improved business finance results.

While we will not be addressing all possible commercial mortgage mistakes in this article, we will include several of the most severe issues to anticipate. The problem areas described below are typically more critical than expected by most business borrowers.

Inexperienced Business Finance Brokers and Lenders -

Commercial mortgage financing has recently become more popular with brokers and lenders that previously focused on residential real estate financing. More and more lenders and brokers are looking for alternative revenue sources due to residential financing difficulties. Many of them are devoting increased attention to business finance and investment loan services.

While this shift might eventually result in a positive outcome for commercial borrowers, the immediate impact is a sudden influx of inexperienced residential mortgage brokers and lenders attempting to provide investment advice for business financing and commercial real estate financing. For most business borrowers, the use of inexperienced business finance advisors will be a mistake of potentially serious proportions. As we have written about extensively, there are approximately 25 major differences between residential financing and commercial financing, and most residential financing experts are simply unprepared for business loan complexities.

SBA Loan Refinancing for a Commercial Mortgage -

Because it is more difficult to refinance an SBA loan or conventional commercial mortgage than many borrowers realize, it is advisable to thoroughly review refinancing options before completing the initial business financing if at all possible. The biggest potential business finance mistake involving an effort to refinance is likely to be an assumption that refinancing can be easily accomplished and whenever the commercial borrower chooses.

In reality most business and commercial mortgage refinancing situations will require less attractive terms than the initial business financing. This is especially true with SBA loan refinancing because the acquisition financing contains features that will not be available when refinancing. Another potentially critical mistake is to overlook short-term business financing options which will eliminate refinancing problems.

A major obstacle to refinancing a commercial mortgage, whether it involves an SBA loan or not, will be prepayment penalties and other financial restrictions that effectively prevent refinancing for several years. Short term possibilities should be considered if a borrower expects that commercial loan refinancing in the first three years of the business financing is likely.

Specialized Commercial Real Estate Investment Property Issues -

With more specialized commercial properties and investments, the potential for serious mistakes increases substantially because of the advanced business financing complexities. There is a more limited choice of commercial real estate financing options due to fewer lenders providing specialized commercial mortgage financing.

From a lending perspective, office buildings, apartments and retail stores are less specialized. This is due to the likelihood that potential users and renters of such properties are more interchangeable than for a business investment involving specialized uses such as a funeral home, golf course and gas station.

The business finance costs for more specialized properties are likely to be more variable and unpredictable than for office buildings, retail stores and apartments. For example, environmental and appraisal requirements for properties such as funeral homes and gas stations will be extensive and time consuming.

Solutions and Strategies for Avoiding Business Financing Mistakes -

The potential business finance mistakes described above can be overcome successfully. It is recommended that business borrowers find sources offering helpful strategies and background information which will provide a comprehensive comfort level for complicated commercial real estate loan factors. Business borrowers should thoroughly discuss business financing options with a business loan expert before refinancing or buying a commercial property or business investment.

Stephen Bush is a commercial real estate investment finance expert. For commercial loan advice and strategies about business opportunity and commercial mortgage loans, please visit AEX Commercial Financing Group => http://aexcommercialfinancing.com

Foreign Currency Exchange Solutions for Individuals are grouped into five. They are:

1. General
2. Overseas Purchase
3. Living Overseas/Expatriates
4. Migration &
5. Investments/Pensions

1. Irrespective of emigrating, buying a holiday home or purchasing goods from overseas; foreign currency exchange will help significantly in any of these transactions.

2. When Individuals purchasing property in a foreign country will not be aware of the exact cost of transaction. Fluctuating exchange rates may make purchasing more expensive. In addition, they will not know the Interbank rate as compared to their dealing rate. Only online dealing system will allow them to order the rate at which they will purchase the foreign currency amount. This online dealing will help them to save more by receiving the best possible foreign exchange deal.

3. Sending money home for Expatriates is a costly and complicated affair. Foreign currency exchange will be the fulcrum for solving their problems.

4. Migration is not an easy affair. It is an immense contracting with many important things to coordinate. Transferring clients’ money is at the top of the agenda. The Individuals may be too busy to monitor exchange rate movements. Making as big or large as possible the proceeds of clients’ exchange will give an avid start in their new country. This; they can attain only through a competitive exchange rate and good advice.

5. For Pensioners and those who are making investments, it is natural that they expect a very best exchange rate with minimized fees. Losing some of the funds before even on investing will make no sense.

Visit http://forex-currency-trader.blogspot.com/ for some details on how to improve your Forex Exchange income.

In todays’ market, gaining a good rate for a secured loan is not an easy thing to do unless you know what your doing. That includes knowing where to go for your secured loan, and ensuring that you do not pass your details to too many lenders to find the best deal.

In a market where rates are rapidly increasing every day, lenders are tightening up their criteria for the people who need to borrow the money. Many people in a rush of panic will search the internet looking for a loan so suit them, and not realize that they are actually completing an application form, or an inquiry form for a call centre to call them.

I have noticed that there are many of sites on the internet that will say they are a financial comparison site, however when a client goes to the site to complete the form hoping for a quote, they actually get a message that says the following - “thank you for your inquiry, an advisor will be in touch shortly”. Where did that come from? all you wanted was a quote not for someone to call?

The best way to avoid this problems is to go to a qualified secured homeowner loans broker that is able to search the market for you and find the best rate based on your individual circumstances. Most independent homeowner loan brokers have access to all the major loan companies, and you can then be assured that you are getting the best deal possible.

If you have a poor credit history, or have little equity, or you may even need to self certify your income. In this case a secured loan may not be an option in todays’ market, so you will have to look at alternative routes to raise your money in a short period of time.

Personal Loans

Unsecured personal loans are another method of borrowing money. With a personal loan, it is usually possible to borrow up to a maximum of £25,000, and can usually be arranged on the same day as the application. You can either go to your bank, or again, a loan broker may be able to arrange this type of loan for you in a very short period of time, and by using the broker, means that you should have a wider choice of loans available to you, and having all the leg work done for you. This type of loan would be good for you if you could not get a secured homeowner loan due to not having enough equity in your property.

Bridging Loans

Bridging finance is a loan that is secured on your property, just like a secured homeowner loan is secured on your house. However the benefit to a bridging loan is that most bridging finance lenders will either go first or second charge on the property, which means you have a choice on keeping your existing mortgage running, or if you would like to pay it off. The other major reason people like to do a bridging loan is because it is very fast, and can be completed within a matter of days from application. Certain bridging loans lenders do not require a credit check on their applications as long as there is enough equity in the property that they are securing the loan against, so it is a very popular type of finance for people who struggle to get a homeowner loan due to their credit rating.

If your looking for any type of finance in todays’ market it would probably pay you to seek advice from a professional who is able to arrange the right type of finance to suit your needs.

When looking for a mortgage, bridging loan, or a secured loan, Advanced Finance are one of the largest brokers in the UK who are able to arrange finance for their clients, no matter what their situation. For more information or to apply for your chosen finance, simply visit the website http://www.advanced-finance.co.uk or you can call an experienced underwriter on 08709 777 888 today.

In this article I separate fact from fiction and take an objective look at how to understand the proper approach to Forex trading in general, how to select an EA for trading and how best to use your EA to capture maximum long-term gains.

Far too many traders approach the Forex market with the idea that Forex trading is about making money quickly. Forex is not a get rich quick solution. It is vital that you understand this concept well otherwise do yourself a favor and don’t trade Forex at all.

You must understand that you can accumulate a great deal of wealth by trading Forex but it will NOT happen over night. If you are looking to make an over night killing, you are better off buying a lottery ticket or taking your chances at the casino

Take it from someone who has been around the Forex ‘block’ more times than he cares to remember: Use a logical and analytical approach in selecting your EA for trading. The key feature I look for is consistency.

Closely examining accurate back test results is one method to use in evaluating the consistency of an EA. The first thing to look for in the back test results is the percent accuracy of the test itself. Look for a minimum of 90 percent accuracy. Next, look at the number of wins and the average amount won. Look next at the number of losing trades and the average loss.

When comparing back test results between EA’s be sure you are comparing apples to apples. Compare lot sizes traded, percent accuracy and the results themselves.

It would be nice if you could find an EA that never lost a trade. While I agree that such a ‘holy grail’ scenario is seductively attractive it simply is not realistic and you should beware of anyone promising such results.

Forex trading is all about numbers. The numbers that matter most in selecting your EA are the number of winning trades times the average win versus the number of losing trades times the average loss. This ratio will help you gauge the consistency of your EA.

Trust me, if your average win were to equal your average loss then you can do extremely well in Forex if you win just 60% of your trades!

Let’s talk about two key money management dynamics that can make you or break you in Forex. The first is the concept of consistency. Being able to deal with changing market conditions is a far more important trait for an EA than some pie in the sky promise of winning every trade. Winning consistently - even if they are relatively small wins - is the real key to selecting an EA.

Small consecutive wins add up to a big bank account. Trading is never about making a huge amount of money in a short time. It takes time for an account to grow. Let me repeat, if you are after big wins in a short period of time then stick with gambling in the casinos and leave the Forex market alone.

The Forex trader’s biggest enemy is greed. Don’t try to go over the top. Trade a good system. Place small trades and be patient. If you have selected your EA well then it will pay off. I promise.

Far too many traders will purchase an EA, plug it in, and trade it for a few days. The first time it loses a trade they are back on Google looking for a new EA. This is a big mistake.

In Forex, learning to control your greed is a prerequisite for achieving great wealth. Take controlled risks, never let your greed take over your decision making process.

Every EA has good times and bad times. Be ready to treat the bad times just as you would the good times. If you have selected your EA well then the good times will out weigh the bad times and you will make progress. Does that mean that you will never have any bad times? No absolutely not. A losing trade will happen at some point in time.

Maybe not tomorrow, next week, or next month, but eventually you will lose a trade. Your job as a trader is to treat that loss with the same respect that you treat the gainers.

Your job as a trader is to manage your money in such a way that when the inevitable loss comes you stay in the game and recuperate. Not to jump around and find another so-called solution.

Remember the story of the tortoise and the hare: slow and steady wins the race!

The key to long-term success in Forex is to include correct money management into your trading. The bottom line is to control your risk. Never, trade more than you can afford to lose.

The key is to grow your account little by little over time. Yes you will get losers but if the system you are using is accurate enough those losers will be recovered. Again, this is where patience comes in by not jumping from one solution to the next.

The second, and even more powerful, key dynamic is ‘profiting on your profits’. In other words, compounding.

It is amazing how an account can grow when you begin to profit on your profits and you are patient and disciplined. That is the secret to winning the Forex game. Small consecutive wins boosted by the profits on your profits concept.

Forex trading is all about numbers. No more no less. As long as your winners out weigh your losers you are on your way. Start small - grow big.

Trading is not about making money quickly; it is about intelligently growing your account over time with proper money management. And compounding - profiting on your profits. Taking controlled risks and being patient.

Finding a consistent EA is great but that’s not enough. Your job is also to learn how to use the EA properly. It’s not enough to just purchase the EA you have to be smarter than the others in using it.

I hope I can bring you closer to what Forex trading is all about. Forex trading can be very profitable so long as it is done correctly and not perceived as a get rich quick solution.

If you:

Apply good money management rules
Avoid the get rich quick mentality
Control your greed
And be disciplined…

Then you will be light years ahead of the competition. You belong to that special top 1% percent group. The group that looks at the ‘hares’ and understands how silly their approach to trading really is

The name of the game is to grow big but at the same time to be strictly disciplined. If you understand that the statistics are on your side then you won’t let a losing trade deviate you from your objective of making it big time in this exciting game.

If you take to heart the concepts we have talked about here today then you will surely get your fair share of the Forex market - the largest and most liquid market on earth.

Disclaimer - This article is for educational purposes only. It is not offered as investment advice. The reader assumes all responsibility for any and all profits or losses incurred by his or her trading activities.

David R. Jaymes is a Writer and Forex Trader. He graduated from the University of Maryland, USA with a degree in Agricultural and International Economics. He has prepared a Special Free Report that shows you how easy it is for you to use the exact techniques used by today’s most successful traders. To get your Free Report, head on over to: http://www.4x-rox.com

Within just a few weeks it will transform your life; No more stress or sleepless nights, you will be happy and life will be fun again.

This is NOT a get rich scheme (SORRY THERE IS NO MAGIC FORMULA).

(STOP NOW- do not use credit to finance your lifestyle, no more loans no more credit cards. (You are going to be a cash only person) stop giving away you hard earn money, once you are clear of debt and turned the corner you can then re-focus on becoming wealthy. The facts are you have NO option you MUST clear your debts, if you fail the consequents are Foreclosure on your home, your car reclaimed by the HP Company, court orders, bankruptcy.)(SORRY but that is the hard truth).

Quote from the course:

Nevertheless, that will NOT happen to you because you are going to implement the recovery plan that we will set out for you.

Are you in Debt? we receive many e-mails asking if an internet, e-commerce business can transform debt into wealth. We cannot promise that, to start any business takes commitment, you must be focused and have a business plan, set key objectives. You also need to have time to develop your new business.

If you are in Debt, you are often under pressure from your creditors, stressed. First consider you priorities:-

- Would you like to pay off your mortgage?
- Would you like to pay off your bank overdraft,loans and credit cards?
- Follow our plan, clear your debts, and become financially independent. (THEN you can move to the next level how to become wealthy).
- You cannot wish to pay off your debts; you need the commitment and the WILL to make it happen, which will require changes to the way you control your money and your spending habits.

Create a new future, turn debt into wealth:

Course content:

1. Step one make the commitment.
2. Actions that will move your bank account into the black.
3. Golden rules to success
4. Review your current financial status.
5. Were you ever taught how control your money?
6. Money makes money, your key objective to get debt free.
7. Why do we fall into the credit card trap?
8. Those cards must go. (High interest crazy)
9. You must operate on a cash only basis. ( you will quickly see the benefits, it is amazing the extra money it creates)
10. HP the monthly payments that cause you worry and stress.
11. Now you have the mind set to pay off ALL your debts.
12. Manage your spending. (Impulse buying will blow your plan right out of the water)
13. Being in debt can be due to bad luck; however, it is far more likely to be our own fault, failing to manage our finance.

The Golden rule, NEVER spend above your means, which includes loans credit cards, over spending on luxuries, cars, holidays, entertainment, drinking, smoking.

Evaluate you current spending habits, YOUR OBJECTIVE to clear all debts, have money in the bank, plan to make money and ensure a new future. Eliminate stress, worry, and depression. Freedom happiness and wealth is NOT just a dream. YOU CAN DO and YOU MUST DO IT. (Develop that mind set believe in yourself, do it for your family and for your well being and health).
We have set the scenario, now we take one-step at a time and make it happen.

Above all, you must be honest, with your personal assessments; you must also be realistic, DO not set impossible goals.

Step one make the commitment

You are about to take the most important step to clearing your debts and achieving personal wealth.

1. I am totally committed to following the advice in this manual, I will make changes in attitude and the way I manage my money, necessary to achieve my main objective build a debt free and wealthy future.

2. In order to plan your systematic recovery and transform debt into wealth we need to put our cards on the table, hide nothing, be honest and complete the following questionnaire.
Please complete the following questionnaire.

It will provide the status of your current financial position. (sorry in this format the table forms do not work, it is better if you are working with the correct forms/ tables ( read on once you are committed to giving it your best shot. you can go to our web page and see the FREE course complete with forms)

No Answer the following questions (Truth only) Yes or No YES NO

1 Do you carry you credit card balance over each month
2 Do you have more than three credit cards that on the upper limit
3 Do you ever use one credit card to pay debts or pay off other cards
4 Do you only pay the minimum payment on credit cards each month,
5 Have you reach your maxim limits on all your cards
6 Are you are struggling to even make the minimum payments
7 Do you have more than 10 years to pay on your mortgage
8 Do you have your car on a finance agreement
9 Have you taken out a second mortgage to pay off debts
10 Are you planning to buy a new car
11 Do you have personal loans, bank over drafts
12 Do you have store cards to purchase goods
13 Are you living beyond your means, struggling every month
14 Have you ever had your services turned off for non payment
15 Is the stress and worry causing health problems
16 Is the debt having an impact on your family relationships
17 Have you tried to find ways of earning more money
18 Are you under extreme pressure from your creditors
19 Are you considering bankruptcy
20 Are you in trouble with the bank or mortgage society

Now we face the decisive moment.

Total all the “YES” numbers

If you scored, 4-0

Not too much to worry about we can soon have you on the way the wealth and happiness.

If you scored, 8-5

You need to review your spending and focus on your options to make money.

If you scored, 13-9

You are managing to pay your way; you earn the money then have to pay it to your creditors (high interest). You need to concentrate on reducing your debts by controlling you excessive spending. Implement our debt payment scheme so you have spare money to invest, use you income and spare money to generate wealth.

If you scored, 17-14

You are on the ragged edge, struggling to pay your way, urgent action is required to stem to flow of outgoing money, consider every penny you spend do you really need to buy new clothes or have that expensive evening out. Focus on channeling the money saved to pay off debits, review the debts that are costing you high interest and pay them off. Once you see the benefits, your recovery will gain momentum.

IF you are 20-18

You are clearly deep in debt, you must be unhappy worried and stressed which will effect your well being and health.

We will help you get back on track, however it will take commitment by you and all the members of your family and you need to cut your spending. Put a plan into place to pay off the most pressing debts. NOW you need the WILL to implement the advice we will give you. (Think new future better life no worries or stress, security) Make this commitment get out of debt, to change your spending habits. This is the hard task. Do that and then you can look forward to a new future?

Learn from my mistakes:

Speaking from experience, I went to university attained a MBA you would think that I have developed the self-control to monitor my spending and invest my money wisely. NO! I did not I was spending more money than I was earning clothes, cars, holidays, living on my credit cards for a few years I had a high old life.

For nearly three years, I continue to impulse buy. Then I started robbing Peter to Pay Paul using one credit card to pay of another, transferring balances, taking out loans. WOW, I had spiraled deep into debt. Under pressure from all the creditors, could not sleep, each month all my salary already committed to creditors, outgoing much higher than my income.

OK it was my fault silly middle class girl who over spent. Why was I such a fool? Well we all want material things. We associate fast cars, designer clothes, with happiness. And fall into the trap of the media and the advertisers, to the offers of credit cards and loans.

I cannot recall any of my family or tutors teaching me the importance of being in control of financial affairs.

Now there are hundreds of ways in which we can fall into debt, I was a miss - guided fool. With many, it is bad luck, ill health, out of work, family problems. They wanted the best for their children.

The objective is to review the status, then formulate a plan transform debt into wealth.

1. Control Spending and credit management.
2. What to do with our salary (Money in / Money out)
3. Make changes, plan a new financial life.
4. Learn how to invest money, or develop a business.
5. Consider the future, pensions and retirement.

First, we will talk about the positive aspects of life and future. We all dream of winning the lottery, becoming millionaires over night. (It will not happen) The fact is if you do spend £10 per week on the lottery or the football pools. That is £520 pounds a year, invested weekly with compounding interest at 8% would provide you a substantial amount of money by the time you are 65 years old - depending on the number of years. On average for most people it would be well over £500,000.
Most of us will earn well over a million pounds in our life time, for example if you earn £30,000 for 40 years that is £1,200,000.

However, the sad fact is most people have no idea how to save or invest money, they give all they earn to banks, credit cards, loans, and high interest is hard-earned money lost forever. (Crazy but true).

If you are living on credit than you are giving away a high percentage of your money, money that, you could be investing and being paid interest.

STOP NOW- do not use credit to finance your lifestyle, no more loans no more credit cards. (You are going to be a cash only person) stop giving away you hard earn money, once you are clear of debt and turned the corner you can then re-focus on becoming wealth.

The facts are you have NO option you MUST clear your debts, if you fail the consequents are Foreclosure on your home, your car reclaimed by the HP Company, court orders, bankruptcy. (SORRY but that is the hard truth).

Nevertheless, that will NOT happen to you because you are going to implement the recovery plan that we will set out for you.

We now need to first motivate you, set key objectives and realistic goals.

We all have different life styles, often based on the salary we earn.

The rule the higher you fly the harder you fall. Applies:

If you live in a large expensive house, you will have much higher mortgage repayments. Top of the range BMW, you impress no one every one knows you are living on credit.
Therefore, before you try to impress with a new swimming pool or ponies and motor bikes for the children, stop and think can we afford to do this, would we be better to wait and pay cash. (Of course you would you know it makes sense).

If you are the average person, living in a three-bed semi, with a second hand car, and are a hourly paid worker, maybe in a factory or in the construction industry, the same philosophy applies. Yes it would be nice to impress your family and friends with a tan from a expensive holiday or a top of the range car, believe me they will only be impressed the first time they see it. You will be the one faced with 3 years of HP repayments, higher insurance, and the cost of fuel.

OK I know what you are thinking every one has a mortgage has credit cards and debits, Stop because you are having negative thoughts, NO it is not OK to be in debt, it complete madness and will never make you happy it will only bring you worry and stress..

Therefore, no matter what your station in life is the same principles will apply.

We are taking time to outline the reasons most of us find ourselves in debt, because if you can not accept there is a problem you cannot take the actions required to eliminate the problem (In this case debt).

We could show many examples of credit cards. They make it so easy, you always spend three times more than, if you were buying cash. Then the situation gets even worst, let us assume you have four credit cards, average interest 16.9% they have a combined outstanding balance of £5,200. If you only pay the minimum monthly payment = to 3% of the outstanding balance it will take you 20 years to pay those cards off and your payment would total £9,720 - work it out you have paid them £4,520 interest.

You know in your heart that you get a much better deal paying cash, often a lower price and you pay NO interest.

OK we never promised a magic over night formula, we did promise the plan that WILL take you from debt to being wealthy.

Key Objectives:

• STOP —using credit NO loans or credit cards, now you are 100% cash. Think before you spend, do not buy until you have spare cash.
• This is NOT an option, if you are at present deep in debt, you will realized, the high life is over. You will be receiving legal letters. If you do not stop using credit, then you will reach a point where that decision will not be yours. Because once you are exceeding the limit on your cards and fail to make the payments, the credit card companies will put you on stop, and immediately inform the credit agencies. Then you are really in trouble, all the other loan companies credit cards will follow suit quickly. Your bank will also withdraw your over draft facility and monitor you account as high risk.
• Cut up those credit cards. Use only cash, and only when you have spare cash, you need every penny to pay off your debts. You must learn to live a cash based life style.
• Pay off ALL your debts including mortgage, ( we will tell you how to do that in the shortest possible time)
• Learn to invest ALL spare money wisely, your main objective will be to generate wealth,
• Phase 1 set aside money in your emergency saving fund.
• Phase 2 Focus on building long-term retirement wealth, we will guide you to save investment that will generate income without the need for you to work. (You will have financial freedom) Enjoy life travel, play golf, go fishing. Have fun been happy.
• Now in the first few years you are going to throttle back, drop out of the fast lane, no more living on credit and accumulating debts that will eventually bring you crashing down, maybe cost you every thing house, car, family. (That would be devastating)
• Work hard for real freedom and independence; soon you will be the one being in charge in complete control of your own destiny.
• Simple rules, cash only, no loans, no more monthly HP agreements.
• Your family and children will need to understand that from now on all spare money will go to pay off debts. ( Hard to say no to a tearful little girl who wants a new play station game) Still a lot better than telling a teenage daughter, we are going to lose the house because we have not paid the mortgage.
• OK this is not rocket science; it is just plain common sense. You can dream and it is important to have the vision that in 5 years you can be completely debt Free.

The plan:

Prioritize your debts, (we will provide the formula).

List All your creditors ( Debt is money you owe and are legally committed to repay) (Expenses = Money you pay out each month for Gas, Electricity, food, petrol, take items that you pay every year for example car insurance, and divide by 12).

First, clearly understand how much you actually owe, what rate of interest you are paying.
Complete the following work sheets designed to help you and your family to understand where the money going. Invite innovated think and ideas as to how you could save money.

(A) Monthly Living Expenses

Living Expenses Actually cost Saving

Rent
Council Charges
Electricity -
Gas
Telephone / internet
Water Rates
TV company ( Sky)
Food (total for every thing)
Entertainment.
Children Pocket money
Car expenses
Car 1 petrol (only)
Car 2 petrol (only)
Maintenance
Road fund Tax
Insurances
Home insurances
Medical Care
Children’s Education Expenses Books Tuition etc
Clothing and Miscellaneous
Other expense

Total

(B) Major Purchases - over 12 months divided by 12

Holidays
Car purchase
Major House improvements
New Furniture
New Kitchen equipment
Garden plants tools
Gym or Golf club fees
Season tickets
Recreation expenses
Miscellaneous expenses
Cash spent ATM etc
Total C/f to summary

(C) Debt payments

Name of Debt Total

Balance Monthly Payment % interest Full amount or min

Mortgage
Second Mortgage
Car Loan 1
Car loan 2
Bank Loan
Over draft
Credit Card 1
Credit Card 2
Credit Card 3
Credit Card 4
Other debts

Total C/f to Summary
(D) Monthly Income
Monthly take home salary
Second income
Benefits DHSS
Pensions
Part time job
Internet income

Total C/F to Summary

Totals carry forward

Personal Financial Statement - SUMMARY the points of reckoning, you now need to insert you figures.

E.g., total income - total Living expenses- total debt payments.

Which we hope will give you a positive result, e.g. more income than outgoings? Referred to as disposable income a true measure of your current capacity to decrease you debts and increase your wealth. Taking these initial steps should have provided you with the base information to empower you and your family to focus your efforts and give you the means to measure your progress.

It is important that you share this information with your family.

Depending on the result of Income (- outgoings) your objective will be to ensure that you have a minimum of 10% of your total income as disposable income, that is the money you are going to use to clear your debts in order of priority.

It will depend on your original check on status if you were in the 18-20 range then the figures may indicate that you have debts and expenses that exceed you present income.

If this is the case, you have NO option: You must cut your spending. All luxuries, none essential expenditure, holidays, two cars, smoking, drinking, golf club, gym, entertaining, clothes, furniture, children games, garden plants flowers. In place of golf the gym going to the pub, find spare time work earn more money.

If you DO NOT TAKE THESE ACTIONS NOW, you WILL lose your home, you will face bankruptcy. This is the hard line truth.

Total income
Total Living Expenses=
Debt Payments
D - Total of AB&C =
Disposable Income

Right now your head will be spinning, you were expecting an easy way out, there is no easy way out it takes total commitment.

We did warn you TOTAL commitment.
NO MORE CREDIT CARD spending
NO MORE LOANS
NO MORE impulse spending
NO MORE Holidays (Until you are clear of debt)

You are now on the road to recovery, you are going to transform you debt into wealth.
You first step was to create disposable income = Income minus outgoings.

Your starting point should be 10% your monthly gross income.

Write down each debt in the first column 1, total balance in column 2 the minimum payment in column 3, then you divide the total balance by the monthly payment, insert the answer in column 4.

Next, you need to prioritize your debts in column 5 Start with the lowest division answer in column 4 until they are numbered.

Column 6 that is where you start to see the benefit, to show the debts as they are cleared (Paid off).

To know how many payments to pay off: You divide column 2 by column 6 = the number of months in column 7.

First you use your disposable income to increase the payments on debt 1, what will quickly clear that debt, at which point you now have even more disposable money all off which you use to accelerate the payment of debt 2, as each debt is paid you roll it over to really accelerate the payment on the next debt. Once you pay all debts off, then you have ALL of the disposable income to invest. Now you have gone from debt to building wealth.

Invest wisely NEVER go back to credit cards or loans only live on a cash basis. Moreover, plan for retirement.

Name of Debt Total
Balance Monthly
payments Division
Answer Pay off

Priority Additional monthly payments Months to pay off

Column 2 = total debt £————————

Column 3 = Total Monthly payments £————————
We trust that you can see the philosophy, and the benefits of using ALL your disposable money E.G. Income minus outgoings to accelerate repayment of your debts, then the amazing acceleration that takes place as each debt is written off you have extra money to pay of the next debt ( In order of priority).

This is a WIN -WIN situation, once you see it actually working and no more creditors chasing for money, do not relax maintain total commitment this is not just about clearing your debts this is about a new life, (CASH ONLY).

In just a few years, you will be in a position to create wealth for you and your family. You will have taught your children how to manage money, never to worry about you future again.

Now you will really have the respect of your piers, friends and family. You will own every thing the house, cars. Take that five star holiday all paid up front CASH.

I wish you good fortune;

If you need further help or would like the Excel forms to monitor and record transactions FREE please do not hesitate to contact us.

Your Faithfully

Kenneth Yearsley

(Think new future better life no worries or stress, security) Make this commitment get out of debt, to change your spending habits. This is the hard task. Do that and then you can look forward to a new future?

For nearly three years, I continue to impulse buy. Then I started robbing Peter to Pay Paul using one credit card to pay of another, transferring balances, taking out loans. WOW, I had spiraled deep into debt. Under pressure from all the creditors, could not sleep, each month all my salary already committed to creditors, outgoing much higher than my income.

Learn from our mistakes: (It take WILL and commitment, but will change your life for ever) if I can be of any assistant please contact us: (It is free genuine no sign up or sales pitch ) ken@makemoney.us.com