Video Pandora

So, the gathering 2008 retributive travel to an end, a swarming 12 month agelong of you life person passed, what did you really accomplished? Symptomless, I am conversation near your New Year’s Declaration, period we set whatsoever partitioning that we comedian to win as the gathering transcends. It is a yearly habit for a lot of us who wants to get the New Period ambiance in a saving ambiance. Well, statistics shows that 80% of your New Year’s sizable product and excogitate shows that there are 60% of us who doesn’t change counselling a New Year’s determination. Why is that? Surface, the exclusive work to that bound sentence is that they seem to flunk a lot of those resolutions that they don’t symmetric reach to try anymore. So, it is orderly to not mean at all than to flunk, moral? Wrong. Let me enjoin you that the effort you put into the attempt is a hire of change. So, when you program and did initiate to do the breakdown, you are actually achieving 50% of what you truly tally in intellect.

So, with that beingness a mortal let me swan you that there are indisputable construction to attain the success in your own New Year’s papers. Reserve me to expound:

Take Clip to Thought - We condition to deal the time to program what we somebody in keep for our New Year’s breakdown. Do not wait for the accurate New Year’s eve to counseling, when the unalterable quarter of the assemblage comes and you knew that you poorness to get a New Year’s resolution, use that clip to program your New Year’s determination in that case, you see what you necessity to do when that dimension on Your Invigoration Goals - Rise, you pauperization to foot your plans to your true lifetime goals in that way it’ll be synchronous and reorganized in a way. Retributory set it manus and be sure that it is encompassing to your literal lifespan content so that you present be willing for whatsoever you know for the forthcoming assemblage and your brio goal as fine.

Short Quantity Goals/Long Constituent Goals - Ok, unremarkably they say that New Year’s breakdown is meet parcel term. Compartment, you pauperism to tie it up with your own prolonged statement goals righteous for you to continually succeed it change if it is done. Be certain to make any of the historic ones prioritized.

Be S.M.A.R.T. - Vessel, the common ‘S.M.A.R.T.’ stands for Specific-Measurable-Accepted-Realistic-Time Paperbacked, which by all effectuation a respectable counsel for you. Do not upright arrangement to disgorge weight, plan to molt a particularized ascertain like decline 30 pounds this assemblage or book $5,000 this assemblage etc. You impoverishment to be S.M.A.R.T. with your goals.

Write a Name and Communicate - Cured, making a missing of your plans/goals testament be sapient in this. So you require to soul it in a day-to-day cornerstone and handle it to grouping move to you, so that you’ll be winning on achieving a goal.

Rewards/Punishments - To ameliorate be eminent I your end, you poorness to set and program any rewards for yourself and penalty in frame you break. The key here is to hit a careful switch to do the instrument, so that it leave be more trenchant in the tenacious run.

We all want to be happy. But what is happiness? Is it the same for everyone? How do we know if we’re happy? And can anyone be happy all of the time? How can we find happiness? These questions come to mind when we speak of life happiness.

Our perception of life happiness is as individual as the way we perceive hot or cold. It’s sort of the same for all of us, yet it’s different too. No two people are exactly alike, so neither can our description of what makes a life happy be the same.

Webster’s Dictionary says happiness is: A state of well-being and contentment

An online dictionary says happiness is:

1. Characterized by good luck; fortunate

2. Enjoying, showing, or marked by pleasure, satisfaction, or joy

So, if we use these definitions, in order for us to say we are happy we would be fortunate, showing pleasure and feeling content. That makes sense. Most of the people that we think are happy usually show these characteristics, so lets use this definition and go from there.

Can I have life happiness if I don’t think I’m fortunate? Hmmm, that’s an interesting question isn’t it? Most people are happy when they feel fortunate or blessed by good luck, and most people who feel unfortunate or feel like they have lots of bad luck are unhappy. BUT, perception is everything.

A person can break their leg in a skiing accident (bad luck) and still be happy and smiling because they feel blessed and fortunate (probably because they didn’t break both legs!). They might be happy because they know that their leg will heal, and because they were having such fun skiing (up until they ran into the tree at 100 miles/hour!!)! Get the picture?

Or a person could have what most of us would call good fortune and still seem not to have life happiness. There is an art to happiness, and some of us know it and some of us don’t, but we all can learn.

Is life happiness the same for everyone? Probably not, even though the normal signs of happiness listed above in the dictionary definitions probably show up in every person who is happy. Different things make different people happy, so happiness and the pursuit of happiness cannot be the same.

For example: I am a quiet type of person who loves to work from home and socializes only once or twice a week. You may be a very gregarious person who works in an office full of people and lunches with a different person each day and goes to a party every Saturday evening.

We’re both happy, but our lifestyles are very different. Besides that, what you view as something that would produce happiness may not be a priority for me. Maybe it makes you happy to go on wonderful ski vacations twice a year. It might make me happy to go on wonderful vacations in my back yard and to squirrel my money away. Both situations are right, and we are both happy.

How do you know if you’re happy? The best way to tell if you are happy is to ask yourself how you are feeling. Really feeling. Do you feel at ease, relaxed and OK with how things are going on a pretty consistent basis? Then you’re probably happy. Feel your body. Is your body relaxed, does it feel calm? You’re probably happy.

Remember, happiness doesn’t come from anywhere but inside. If you are in tune with what is right for you, you will be happy. If you are trying to live someone else’s definition of authentic happiness, you probably won’t be.

Can anyone have authentic happiness all the time? Yes! Well, OK, if a terrible tragedy strikes, you probably won’t be happy at that time. But, you can work through the tragedy and the accompanying emotions knowing that life happiness can and will return when you’ve taken time to properly allow healing. Otherwise, yes. You can be happy all the time. Maybe not jumping up and down and laughing happy every moment, but peaceful content happy, certainly, and that’s equally valuable. Life’s small irritants come and go each and every day.

We have a choice whether we greet them with a calm smile or with an angry frown. Either is fine, but the calm smile will help you navigate life in a more happy state of being, and help you find happiness on a consistent basis. Remember, the art of happiness has a lot to do with perception.

Recent research shows what many of us have long suspected. Happiness, and the pursuit pg oy has more to do with an individual’s perception and what’s going on inside that person, than money, fame, or power. Even though those things may bring a feeling that is like happiness, it is attached to those things. Real happiness is much more attached to how a person perceives life. Luckily, if you are the type of person who has a “glass half empty” outlook on life, you can learn to have a “glass half full” attitude which will gain you happiness.

Winsome’s special topics include Personal Development, Setting goals, Life Happiness and self growth

For free e-books, tools and information about Life Happiness go to:

http://www.4lifeselfhelp.com

The three letters “PKD” have become a shorthand for readers of Philip K. Dick’s work to identify themselves and find others. The man’s initials inspire admiration among fans and ridicule among detractors.

I had the great honor and privilege of spending ten years with a great genius. Those were the final ten years of Phil’s life.

Falsely branded as a brain-damaged drug addict, Philip K. Dick continued producing stories in which the ideas of the great philosophers entered into concrete reality. The allegations of insanity hurt him, but he refused to engage in a futile argument with his accusers.

If producing one of his finest works, A Scanner Darkly, did not prove that he had all of his faculties, then any effort to demonstrate his mental health was futile.

Yes, he was diagnosed as manic depressive, and later as bipolar (the same thing, with a new label), but his tendency to experience wide mood swings had nothing to do with drugs. His hyperactivity was simply a symptom of his premature birth. He also suffered from asthma and hypertension, due to his having been born six weeks early. Phil and his twin sister were tiny babies. In fact, Phil was one of the smallest babies to survive, and his twin sister did not survive. Medical science has advanced considerably since 1928, yet even today, premature babies experience a plethora of medical problems as they grow up, and they do not live as long as full-term babies.

When my husband began experiencing visions in February 1974, he might have been suffering minor strokes due to his high blood pressure, which kept getting out of control. At one point, he was hospitalized for ten days so the doctors could closely monitor his blood pressure while they adjusted his medication.

Minor strokes might explain the flashes of bright light that Phil saw, but they would not explain the content of his visionary experience. I was there, and I know that he was not abusing any substances, so you can throw that one out the window.

Besides, there were some visible, tangible events. For example, one night the radio kept playing after I unplugged it. One afternoon a yellow van pulled up out front, and workmen in white coveralls brought half a dozen large, unlabeled cardboard boxes into the vacant apartment next door. We were curious, so when we found the door unlocked, we went inside. We found all sorts of electronic equipment in the hall closet and a working telephone in the kitchen of that supposedly vacant apartment. Strange cars began pulling up in the alley behind our apartment and sitting there for up to half an hour at a time.

The visions stopped when we moved out of that apartment, so I can’t help thinking that the electronic equipment in the next apartment had something to do with Phil’s experience.

That having been said, Phil viewed the phenomenon as an attack by unknown forces followed with a rescue by equally unknown forces. It began with voices coming over our bedside radio and telling him to die, and it ended with a message of hope and healing.

I can’t help believing that Phil experienced something very real, but that something defies explanation. He spent the last eight years of his life trying to explain it, and he wrote thousands of pages about it, but he never found a satisfying solution to the puzzle of his visionary experiences of 1974.

Perhaps the most interesting part of the experience was that people presented themselves to him as time travelers. They said that somebody had changed history, that they didn’t like the outcome, and that they were attempting to repair our timeline to produce a more hospitable future. They introduced the idea of orthogonal time, which appears prominently in Phil’s Exegesis. They explained that alternate timelines exist perpendicular to the timeline that we experience, like a series of dominoes stacked above our world. The time travelers, or rather time meddlers, were capable of opening gaps in our timeline and dropping one or more sections of the alternate timelines into those gaps.

The time travelers warned Phil that the United States was in danger of becoming a police state much like the scenario of George Orwell’s dystopic novel 1984. Our television sets would watch us, indoctrinate us and numb our senses to the reality of an increasingly restricted life. Our friends and neighbors would turn us in to the authorities for the most minor offenses, fearing that they would be punished if they failed to report our smallest transgressions, such as putting out our trash cans on the wrong night or crossing the street in the middle of the block instead of at the corner The government would control our thoughts, as well as our actions, down to the smallest detail. Orwell’s “Big Brother” was becoming a reality. Those predictions seemed possible, although improbable, in the midst of the War on Drugs. Today, on the other hand, that possibility is becoming a probability.

For one thing, researchers are exploring ways of communicating directly to people’s brains with electronic devices, while others are seeking ways to receive messages directly from people’s brains with electronic devices. These efforts might seem wasted, their goals impossible, but they are attempting to achieve positive results. In fact, with the miniaturization of electronics, it is possible to implant a tiny receiver in a person’s ear and transmit to it, much as you might place a call to a cellular telephone.

There’s more, and it is frightening.

Ever since that tragic September morning in 2001, we have seen our personal liberties stripped away, one seemingly insignificant bit at a time. Elderly ladies are searched before boarding an airline flight, children’s toys are ripped apart or confiscated, and we are not allowed to carry bottled water or fingernail clippers past the boarding gate. We are not even allowed to lock our checked-in luggage, since that would stop strangers from opening up our suitcases to look inside. We are required to obtain passports to visit our neighboring countries, whereas in the past all we needed to cross into Mexico or Canada was a driver’s license or non-driver ID. Oh, yes, you can still enter Mexico without a passport, but you can not get back into the United States without one. And did you know that all the new passports contain tracking devices that enable the authorities to know exactly where you are? Is Big Brother watching you?

I’m scaring myself, so I’ll stop here.

~~ Tessa B. Dick

Author: Tessa B. Dick
Learn more about my husband Philip K. Dick at my blog: http://tessadick.blogspot.com/

Commercial hard money is in its “hay day” at the moment. As conventional sources continue to tighten their underwriting guidelines commercial hard money is, for the most part flourishing. Never before have private money lenders been in such a strong position to “cherry pick” deals. In fact, many hard money lenders are raising their underwriting criteria to the point that they match previous conventional guidelines.

Many commercial loan requests that fit the conventional underwriting box 6 months ago, now find that there only viable option is hard money. Borrowers are often shocked and or angry at the terms offered. Interests in the teens with 3-6% points are market. You can’t blame the borrower for being outraged. It just seems ridiculous.

But the reality for many borrowers that have already exhausted all other options, face either losing their property, losing their business (or both) or have to take on a partner. All of these alternatives are more expensive, often much more expensive, than a commercial hard money loan. For example if you have a building worth $2,000,000 with an existing $500,000 loan and are requesting a $1,000,000 loan amount, you’ll pay out $30,000 - to $60,000 in fees vs. losing $1,500,000 in equity. It’s that simple.

Taking on a partner is often thought of as a viable alternative. However, there are many challenges with this strategy as well. First of all you have to find a partner, that has cash and that will blend with the company and your business goals. How much control and ownership of the property and business will you have to give up? The math is as simple as the above example. Give up 50% or pay 6% in fees…

Nobody likes the terms offered. Hard money lenders have much at stake as well and stand to lose millions on one bad deal. Taking borrowers through foreclosure is no cake wake and is very expensive for the lenders, which is a very likely outcome that they often face.

Commercial Hard money will likely remain in a very strong position for as long as our credit crisis continues.

Jeff Rauth is President of Commercial Finance Advisors, Inc out of Birmingham, Michigan. He has a STORE for commercial loan brokers. Contracts, spreadsheets, books, etc. Products starting at $4.95! Check it out commercial mortgage loans or Hard Money Commercial Loans

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

There are a few general and commonsense rules to follow to ensure a successful start and outcome for a new Investment Club. Usually a club will start with a group of friends and family and it is important to outline to all members what is involved and what the club guidelines are and to ensure that all members participate in the creation of the club structure and have input to decisions.

One of the biggest mistakes that a lot of new club founders make is that they do not tell the club members upfront that they may lose money with the trades that they make in the beginning. Not every trade that the club will make will be a winner, and this is especially true during the first few months of the club. Since many of the investment clubs which are created do not have many members who are familiar with making stock trades, it is a learning process for the majority of the club members. It is essential to inform potential members before they join that the money they put up for investment should be money that they can stand to lose, and not suffer any hardship because of the loss. This being a general rule for all investment with any risk.

In discussing money, it is necessary to make sure everyone agrees upon what the contribution will be for each member on a monthly basis. The amount of the monthly contribution should not be more than what any one member can afford to put in monthly. If all of your members but one can afford to put $100 into the club account, and the one can only put $75 into the club account monthly, then everyone should only put $75 into the club account. Then all members are on an equal footing. All monthly contributions must be equal to sustain the equality of the group and its integrity. The most common monthly contribution amount used for investment groups is $20 per month, but each group decides the parameters for the club.

Make the club official by drawing up a partnership agreement and have everyone who wants to be a member of the club sign the agreement. It is crucial to the success of the club for everyone to know what is expected of each individual, and the group as a whole. By having a signed membership agreement and a copy given to each member, potential disagreements can be largely avoided.

Do not try to start with a large investment group. Having too many members can cause many problems, such as a greater risk for arguments and fragmentation of the group. For the group to work as a team, requires a team of a manageable level of no more than fifteen. Most investment clubs do not exceed 10 members.

Starting your own investment club should not be something which makes you nervous or causes undue concerns. Concentrate on starting with people you know and trust and create a group that can get together and have fun, and you will see that your club will be a huge success, with lots of learning and lots of enjoyment.

Finding the perfect members for an Investment Club -
After the decision to start an Investment Club, the next step is to get together a cohesive group of people as members. Without members, there is no club! It is beneficial if the members know each other, and it is also important to have a group of people who get along with one another.
People who are going to fuss and argue every time you hold a club meeting will be best avoided. By picking wisely, you will have club members who can agree easily with one another which is a crucial element in a successful club.

When a club is just beginning, it is an option to advertise for members if necessary, but once the club has actually been formed, then to add new members later would be done by member referrals only. It is also possible to find initial members online by going to certain investment web sites which allow you to post messages stating that you are interested in starting an investment club.

Also, when starting a group, an important criteria is to you recruit members with similar financial goals so that the group unity is not threatened by arguments later about the direction in which the group needs to go. It is wise to get members who all can agree on a certain amount to be invested on a monthly basis. Since all profits will be split equally, it is only fair that everyone contribute the exact same amount of investment cash every month.

The members chosen to recruit should be easily able to contribute the agreed upon monthly contribution. They should also be able to do their part of the research which is required in being a member of an investment club. Arguments will ensue if any members are not pulling their weight doing the research or making the monthly contribution.

Some people choose not to use family or friends when starting their investment group. This is because they do not want to mix their money with their family relationships and friendships. If there is doubt about getting along with family members or close friends when it comes to dealing in money matters, then it may be a better option to not include them in the investment club.

Once the members and the agreement are organized, it is essential to start setting the goals for the group. The investment club will be ready to start market research and create reports of promising companies to consider for investment.

Courtesy Jules Hawk. For helpful information on starting an Investment Club - http://www.investmentclubs.moneytreecreator.com

You just graduated college, started a new career, got married, had a child, bought a house, bought a boat, whatever the case may be budgets are used at every stage of life. Budgets are used as a planning tool to set financial goals. Budgets are used to plan for the future to be allocating the proper resources today. Setting up a budget is very uneasy and uncomplicated, there are even online tools that will do it all for you. The harder part of the equation is determining what percentage of your income goes where. There are general guidelines about personal budgets out there, but a budget can provide you with a much better comparative advantage if it is tailored directly to your finances. Personal budgets serve people to plan and see how much money they want and can spend on each sector of their life. It is up to the individual how much money they want to put where so budgets differ greatly. Some budgets can provide people with a mechanism to save up for something that they desperately want, and once they have achieved that goal their budgeting is done with. Others use budgets as a daily tool to regulate how much money they spend on each sector of their life so that their finances can be balanced with the adequate funding.

Whether people admit it or not, budgets are complied in the mind of the individual even if they do not put it on paper. Most people have an idea in their mind how much they want to spend on what but when unexpected occurrences arise they get confused and often make bad financial decision. This shows the importance of putting budgets down on paper or on the computer so you can see the ratios of where your money is being spent. Budgets also act as an indicator to see where you are over spending and overspending. You might have not been aware of it before but your entertainment budget is greater than your food budget, may you have a problem with this and maybe you do not, it is up to you. But budgets allow you to see this information and you can assess any way you want.

Personal budgets can give a person more freedom because they do not have to worry about any unexpected expenses from affecting their daily life. When setting up a budget it can be beneficial to over account for such items as food or utilities so that there are no surprises when the bills come around. Personal budgets not only act as a planning device but they also act as a regulating device. If you go over budget in one sector that means that you have to directly reduce funding in another. This means that you will never go over budget because you are manipulating your budget so that you do not. Your budgets can be flexible must you must be aware that providing to much variance can cause you to loose track of the general concept of budgets.

Jeff Nelson gives advice on money management. His advice helps you to eliminate your debt faster. To make online budgeting easy and set up your Budgets for each category you are targeting, visit http://www.mint.com

You have your web host, you have carefully designed your web site, and now you have ventured into the wonderful world of e-commerce. Undoubtedly, your web host will offer a statistics package to track some basic information on your site. Depending on what they track you could get some basic information on everything from the total number of visitors to what web browser they are using.

However, if you are planning on making money from your web site you will want more information to analyze and fine tune your web marketing efforts. Successful web marketers track how long visitors spend on their sites, which pages they visit, which page they left the site from, why they left from those pages, some even want to know what type of connection was used and when they visited. The good news is that you can get all of that information and more for free, courtesy of Google just go to, google.com/analytics.

How can you use all this information? Well, let’s say after tracking your site, you find that one of your pages has a high exit rate. You could then analyze the page to see why people are leaving. You could then make changes and track if the exit rate goes down. You could fine tune your entire site and get feedback on how it is working within 24 hours. But, this is only one example.

Google Analytics also play a part in SEO, or Search Engine Optimization. By analyzing which search engines are sending traffic, and changes to traffic from those search engines, you would be able to maximize your SEO efforts. There would be no need to wait for the results either, all of the reports and tracking would be available within 24 hours of making changes.

I use it to track my web site hits on my SEO Blog, so I can see how my optimization strategies are working, and what percentage of new readers become subscribers. With the software installed I can see who sent new traffic, how long they stayed, if my post is interesting, and I am able to use the information to make changes to my topics. I am also able to judge my readers loyalty by how many times and how long they spend reading my posts. I actually have the ability to drill down to see exactly what city my traffic is coming from.

I have only scratched the surface of all the cool features in this tool. It is the first thing I look at on-line each day to see how my sites are doing, but you can also track sales, set up goals, track visitors all the way through the order process.

If you chose to track your sales data, there is a whole variety of additional reports that can be generated including conversion rate, amount earned per visitor, and more

Setting up Google Analytics, Let me first make it clear that I am not a web design expert, and I had no problem installing this and getting it to work without crashing my Blog, this is where I installed the analytics program to test it.

If you are not an expert in HTML, I would suggest you copy the code from your web page into your HTML editor. Play with placement and preview to make sure you don’t mess things up before doing it live on your site. That way if you do make a mistake you can simply close the editor without saving your changes.

After signing up, you will need to set up a new website profile. Click on the “Create New Profile” tab and fill in your site details. The form is pretty straight forward and can be completed in just a few minutes.

After completing your profile, all you have to do is copy and paste the tracking code onto the page you want to track. If your site has a header or footer that comes up on every page, just copy the code there, and all of your pages will be tracked.

Once the tracking code is inserted, Google will update your statistics every 24 hours. Congratulations you now have all the tools to become an Internet marketing guru!

Robert Emmerson is a freelance writer specializing in Internet marketing, Blogging, and making money online. You can read all of his articles, and get some tips and tricks to make money on the Internet at http://www.robemmerson.com

University research KPI or key performance indicators are a set of yardsticks that help university managers and key personnel gather data, assess, manage, analyze, and produce a comprehensive graphic report about the current performance of the organization. Indicators used in university research should be complete. In order for the university manager to come up with beneficial indicators, he or she must consider the four perspectives: external stakeholders, internal stakeholders, business and finance, and growth and innovation.

Not all data gathered in the university’s daily activities are fit to become KPIs. The manager must first check if these indicators actually occurred, are recent, and are target-oriented. He or she must see to it these indicators are well balanced, consisting of both lagging and leading metrics, and should be based on the rates and volume. Every possible KPI can be classified as revenue, success, or access.

The choice of KPIs usually depends on the size of the institution. The greater the size of student population, the more demanding the metrics will become. In some cases, classifications of indicators can even exceed more than three. Aside from the usual access, success, and revenue-based KPIs, there are also indicators, like student access, enrollment yield, student success, course or program success, online course success, percentage of new students earning a certain number of units, basic skills, transfer rate, volume transfer, volume completion, revenue factors, productivity indicators, and accountability indicators.

Under student access indicators, managers may use these KPIs: yearly student head count, student-adult participation rating, and percentage of financial help receivers. In some cases, enrollment yield indicators may fall under student access. This is because the data varies depending on the season or time of the year university accepts students from feeder high schools. For example, the proportion of new students from all feeder high school for each university department may be higher than that of the proportion of high school graduates that enroll at the institution throughout the fall following graduation.

Under student success, managers may use the following KPIs: course success rates, fall persistence rates, basic skills, transfer rates, transfer volume, and awards and achievements.

Course success key performance indicators usually involve data that pertains to the percentage of students who successfully completed the whole program. This group of indicators should cover all types of programs and courses, including vocational and online courses.

Considered also as course success are indicators that pertain to the number of vocational and online students who acquire the same level of knowledge and skills, as those who take conventional courses. Basic skills, on the other hand, may involve three types of inputs. It may include the percentage of students that improve their skills of at least one level. It may show the course success rate of the students on a yearly scale. In addition, it may cover the relation of basic skills success course rate to all courses for a certain period.

The formulation of university research KPI may appear complex on the surface. Actually, it is a simple process. All the managers should do is to align the possible indicators to the university’s vision, mission, goals, and strategies.

If you are interested in university research kpi, check this web-site to learn more about university refind kpi.

Body building is a great sport that allows competitors to use their experiences and knowledge, all while attempting to sculpt the perfect body. However, it is hard for a beginner in the sport of body building to know how to separate all the hype from the truth, in order to avoid wasting time and effort in the gym. If you are not working out properly, or you do not have a workout plan that will “work out” for you, you are only wasting your time and you are on the path towards frustration!

Many new body builders also fall into the trap of buying very expensive supplements that they do not need. Many of these supplements do not do what they say they will, and have no proof to support their claims! Also, it is possible to reach your body building goals without the vast majority of these costly supplements. Do not listen to the guy behind the counter, who is being paid to sell you as many spendy products as possible!

With all the misinformation being circulated by muscle mags, supplement companies and regular joes at the gym, how do you find out what works and what doesn’t? That is, how do you find out without having to waste your time doing trial and error experiments on your body?

There are far too many important facts, tips and guidelines to share with you here, but there are a few principles that are included in the program that every aspiring body builder should know. First of all, throw out the antiquated notion that you must spend a dozen hours in the gym each week in order to have an impressive physique! It is simply not true; in fact, if you work out the right way (as outline in the program), you can have the body of your dreams in a few hours of working out per week!

How do you attain these types of results in such a short time? One of the secrets is to train with intensity. Training with great intensity allows you to surpass the gains you would experience in a long, tedious workout during a much shorter period of time. Also, you can toss out those long cardio workouts on the treadmill or elliptical machine that are supposed to cut away your excess fat and reveal your muscle mass. You can achieve much better results in much less time with interval cardio training!

One of the biggest parts of being a successful body builder is eating correctly. You simply can’t avoid the important aspect of nutrition and be successful. There are many basic facts that people are familiar with already, such as increasing protein and limiting sugar or saturated fats, but there is so much more to learn about nutrition, as well as other aspects of body building!

Body building is easy when you know how to build muscle fast. The fact is you’ve been lied to and building muscle is easy, just click here to see the proof.