daily blog

These trends relate to the increasing cost of retirement which in turn is linked to longer life expectancy and the effects of a massive ageing population.

Firstly, as we know, most major employers are moving away from the final-salary pension schemes of old. The promises made by employers are proving to be very expensive to keep and as such, current corporate management is trying to lower or remove this burden.

The second major trend is the devaluing of state retirement benefits. Of course, this differs from country to country, but the trend is for pensioners to receive less, not more benefits.

Whilst the masses appear to be completely unaware of this trend, the clock to retirement age is ticking and each passing month without action is one less in which preparation can be made.

Suddenly, investors need to decide whether they want to focus on alpha or beta. For the lay person, this means either trusting in the skill of an investment management to outperform the market, or, relying on the market and investing passively in an index. This is a very difficult call to make.

Should an investor stick with the more traditional unit linked funds investing on the stock exchange and bond markets, or look to more adventurous areas such as hedge funds, property and commodities? Can an investor protect themselves from the potential swings in the market by diversification?

For those that wish to avoid the complexities and rely on a managed fund, choosing a manager can be hard to do. Even the legendary Bill Miller who had beated the S&P 500 for an incredible 15 consecutive years has just had 2 poor years in a row.

In fact, the average US mutual fund investor averages much lower returns than are possible. This is in part due to the unfortunate habit of private investors to jump onto an investment bandwagon and buy into hot funds at the top of the market. Some studies suggest that this causes most investors to earn a massive five percent less each year than the S&P 500 index.

Such mistakes are primarily due to a lack of understanding. Private investors often lack economic, business, political, financial or stock exchange knowledge – and this can prove to be very expensive. This – of course – is understandable. Not everyone has the desire or capacity to become an expert in economics or geopolitics. And yet, this is what these changes essentially require. At the most extreme, this may prove to be the difference between a prosperous or a poor old age.

All these things really prove is that the private investor needs to understand the stock exchange and it’s workings more and more – and that an ever greater number of people need to become private investors. This will be a massive change in how individuals are responsible for their own affairs.

Stuart Langridge is a financial advisor and personal finance columnist. He shows people why they need to invest on the stock exchange and why we all need to Invest on the stock exchange for a more comfortable retirement.

In order to secure that deserved job promotion, you often need to obtain a higher education level. One great way to do that is through online learning. You can even get Online Masters Degrees this way. This exciting and innovative means for professional and personal improvement can allow you to earn your desired graduate degree, to enhance your available career opportunities.

People who earn Masters Degrees typically get higher pay, more challenging and interesting work, and growth potential of an unlimited nature. Online Masters Degrees can really help those seeking job promotions from within their current organization or from other prospective employers. They can also help those wanting to completely change their professional lives altogether. Online colleges offer both flexibility and convenience. Many have accelerated degree programs online. Most also allow students to pursue graduate degrees upon a part-time basis.

Online degree programs offer many advantages over traditional classroom-bound degree programs. You do not need to reside near a college or university when you can take classes online. Online graduate school programs are also great for those who have been out of school for some years. Getting back into an academic routine for school projects and class work should be easier, and fitting in with younger class members should become less of a concern.

Online course availability is also generally more convenient for those already working full-time or caring for families. Students can keep their day jobs or maintain other familial responsibilities by enrolling in evening or weekend course sections, when they must take courses that require their online presence at a given time.

Many excellent, accredited universities can be found online, offering many types of programs and areas for further study. Colleges and universities may supplement their traditional campus programs with online courses, or they may exist as online-only schools. Today, most traditional institutions of higher learning also offer some online learning options to remain competitive. Either way, you can obtain advanced degrees in business, nursing, health care management, information technology, education, liberal arts, or many other fields.

Financing any sort of college degree can be quite expensive, but your return on that educational investment is generally very good. Even though graduate tuition is typically much pricier than undergraduate tuition, you should remind yourself how many high-earning professionals have advanced degrees. Even at the graduate school level, you may still qualify for student loans, grants, and scholarships. You just need to check with your school of interest, since certain types of aid require certain qualifying requirements such as full-time student status. Many employers may also willingly pay for all or some of an employee’s higher education tuition, as part of a good company investment in its people and its organizational future.

Although many people believe that Online Masters Degrees are inferior to Masters Degrees that were obtained through traditional classroom settings, that assumption is not necessarily true. Excellent online programs can offer comparable opportunities for producing group work, utilizing both interpersonal communication and independent study. Additional self-motivation and self-discipline may be needed for students to complete a degree online, but the time management skills that they finely hone in the process can prove advantageous. Their high degree of comfort with cutting-edge Internet technologies can also prove advantageous. Online attainment of your Masters Degree can be both valuable and convenient for broadening your career horizons.

Phil Rogers is working two jobs, to support a wife and 4 kids. He’s trying to find ways to get his Masters Degree Online so he can pay off his Credit Card Debt. He is also considering taking a Online Project Management Course

In today’s world, there are many notable and successful mega rich millionaires who were at one time or another were a school drop out. Richard Branson and Simon Cowell are excellent examples of this trend. As a result of their brief experience with education, business people like Richard Branson rarely create new inventions, but what they do create is massive wealth and businesses, and partnership reason they can achieve this is down to their millionaire mindset. The kind of mindset that so many successful and influential people have. It is the mindset that helps people from all kinds of backgrounds achieve their lifetime goals, dreams and ambitions. This article is going to give you three secrets to achieving this mindset, so you can duplicate such success, and be on course to create mega wealth and success for you and your loved ones.

Secret 1.
Definiteness of Purpose. Have one outstanding goal, one objective, one over-arching desire that you are committed to. It does not matter what it is, but you have to be specific about it in your own mind. Write down what you want. If it is a certain lifestyle, then what goes a long with that lifestyle? Do you want a new home for your family? If so, write down all the features that home would have, describe the car you want to buy, be specific about the places you want to do. Write it all down, and then scour the Internet for pictures that represent the goal you have set for yourself. For example, I have a massive canvas picture of the view from a building I want to live in within a few years time. It sits right above my desk in front of me, so when I finish typing, or when the work gets a bit difficult, I take a couple of minutes to look up at the canvas and remind myself what it is all about, and why I am doing this.

Secret 2.
Learn from your failures. If you set up a venture, business or a project and fail, learn from it because it is not the end of the world. Some of the partnership successful people in the world failed numerous times in business before getting to where they are today. It is important to be committed to your goals, and not to give up when you fail or when things get difficult, persistence and strength of character is key.

Secret 3.
Develop an attractive personality. Not all of us are naturally charismatic or the life and soul of every social function we attend, but we can all develop an attractive personality by making a few adjustments in how we communicate with people. Treat people with respect, no matter who they are. Engage with people you talk to and make them feel like they are the only person who matters in the room at that time. And always try to take something positive from a situation. People are not attracted to negativity or people who constantly complain.

“These are just three principles which help to make up the “millionaire mindset”. There are actually many other principles that comprise this mindset, and you can learn more about them by reading the story of Tom McMillan and Michael Redford in Millionaire Upgrade.”

To download your own FREE MP3 copy of the best selling business book ‘Millionaire Upgrade: Lessons in Success From Those Who Travel at the Sharp End of the Plane’… and develop your own millionaire mindset, simply click through to http://www.freemillionaireupgradebook.com

In this book (which was inspired by true events with Sir Richard Branson, and interviews with 51 self-made millionaire entrepreneurs), partnership learn exactly how self-made millionaire entrepreneurs think, act and made decisions, and how you must too, to develop your own $1m+ business.

Go right now to http://www.freemillionaireupgradebook.com for an instant download.

With all the online opportunities out there, it is hard to know exactly what works finance what doesn’t work for the average person. It’s tough to define the term “average person”, but for the purpose of this article, I’m going to make the following assumptions:

The Average Person

1. Has a job that personal need to keep until they make consistent money online.
2. Does not have the time or the desire to talk on the phone at all hours of the day or night to interested prospects.
3. Does not have extensive experience in running a business, accounting, marketing, sales and customer service.
4. Does not have experience marketing online and creating web sites.

Given this criteria, we can quickly eliminate most of the online opportunities. Here’s what we need:

1. An proven automated system that allows a person to make money without spending hours everyday on the computer.
2. An experience team of phone professionals handling prospects calls and questions 24/7. Let’s be honest here, almost nobody is going to hand over their money to you without speaking to someone first. Also, if you are new (everyone is at some point) some people are hesitant to join your team. Phone experts trained at answering questions can eliminate this problem.
3. The system must provide top notch websites, complete support, training and a proven marketing system.

You get what you pay for in this world. If you want the best system it is obviously going to cost more. Typically, the extra cost pays off in the long run through higher conversions. There are plenty of good opportunities that are relatively inexpensive, but rarely will you find one that is all inclusive.

My advice – Do your research and find the opportunity that provides the most automation possible.

John Stevenson has an MBA in Finance and Corporate Accounting from The University of Rochester. He specializes in Internet Marketing and helping people make money online.

Automated Cash Gifting…Beginners Can Succeed

In this age of losing weight and staying healthy, the buzz about some diet plans is extremely high. With famous people and starlets touting the effectiveness of the cleansing lemonade diet, the buzz about this particular plan is loud. Learning more about any diet plan before diving in, however, is an excellent idea. If you want to explore the lemonade diet, read on for some facts about this plan that has helped countless people drop the pounds they desire.

Some of the basic facts about the cleansing diet that draw attention include:

• It is not a new plan – The lemonade diet is not a new fad. It’s been around since the 1940s when neuropath Stanly Burroughs unlocked its secret. This can be very reassuring for people who want a diet that isn’t like the soup de jour. This particular diet has been used successfully by people over the course of more than half a century!
• It involves a very basic approach – The lemonade diet was created with simplicity in mind. People who use this plan only need to keep a few ingredients on hand. It calls for consuming lots of water, lemon juice, cayenne pepper and maple syrup. The ingredients work together to cleanse the system while providing the body the fuel it needs to operate.
• It is short, but effective – The cleansing diet is recommended for use over a 10-day period. During this time, people who follow the lemonade diet only consume the set ingredients. When properly followed, users of the cleansing diet can drop as much as two pounds a day.
• It works to flush out the body – The lemonade diet is considered a double boon because of its ability to flush toxins out of the body. This can be important for helping improve digestion, circulation and overall health.
• It is relatively safe – While the cleansing lemonade diet might not be right for everyone, its careful balance of ingredients ensure the body does get fed during the virtual fast. The lemon juice and maple syrup provide the energy people need to thrive while on the diet. The water ensures that proper hydration is maintained.

If you’re interested in reading more about the cleansing lemonade diet, click here for further information.

http://www.102tips.info/master-cleanse-diet

As February winters come to a close, we wave goodbye to days of pink hearts and roses and say hello to green sprouts of Spring. Interesting that both Valentine’s and St. Patrick’s Day both carry an air of blossoming new hope and renewal of joyful splendor, where matters of the heart and life are concerned. Also notable are the colors associated with each, pink and green, both coincidentally representative of the energy of the Heart Chakra. So is green, just the new pink of Spring?

With the approaching “March” on life, we discover flowering blooms abound, precious first breaths and steps from our dear animal friends, and the onset of springtime cleaning of both our inner and outer closets, as we all take stock of what to let go of, and the new we would like to usher in. For many, that new involves change and the desire to let our dreams flourish and our hearts fill with hope. Optimism and abundance are irresistibly bountiful; helping us forget any lingering, dismal feelings. We find ourselves singing a new tune, as the melodies of birds and the phosphorescence of vibrant butterfly swarms enrapture our hearts.

But what do we know of this “green little gig” that envelopes our souls with such needed freshness? A little “Luck of the Irish” might just take us farther than we are aware, so let’s explore. Here is what one Historian, Jason Spence, has to say:

“St. Patrick is the origin of the ‘Luck of the Irish.’ He was a kidnapped Brit who was enslaved and found God on the hills herding sheep as a slave. He escaped. Became a Bishop and returned to bring the faith to the Pagan Irish who believed in the Druids. He received inspiration from God to use the three leaf clover called a shamrock, to explain the Trinity to his flocks who were the descendants of the Celts and Viking invaders. They believed in the ancient Druid’s religion of magic and many gods of nature. That there occurs four leaf clovers was explained that they were the result of God’s melting the Druid beliefs with the Trinity of the Christian beliefs. Irish soldiers conscripted into the British army began wearing the shamrock on their uniforms to bring them “magic” and avoid being killed in battle. Because they were blessed and used by St. Patrick, they believed they were on God’s side and protected by God. This is known as “Wearing of the Green.”

Green, yes green. A color that represents many things to many people–a melting pot of symbolism. The word green is closely related to the Old English verb growan, meaning “to grow.” And isn’t that what Spring is all about? Everything blooming, growing…a never-ending, cyclical process. Growth is our natural state and anything less than this, simply is “unnatural.” Speaking of which, the most common association for green seems to be found in its ties to nature, naturally. Culturally, green has much broader and sometimes contradictory meanings, ranging from it symbolizing hope and growth, to death, sickness, or even what some might call “evil.” Romans used green holly and evergreen as decorations for their winter solstice celebration, Saturnalia, which evolved into a green celebration called Christmas. It is also the traditional color of Islam and was symbolic of resurrection and immortality in Ancient Egypt, where the god Osiris was also depicted as green-skinned. Irish legend states that green clothes attract faeries and aid crops and the “Wearing of the Green” thus symbolizes the birth of springtime. It is known to signify witchcraft for its association with spirits of early English folklores and literatures that also traditionally use it to symbolize nature and its embodied attributes of life, fertility, and rebirth. In metaphysics, the Seven Rays system of Alice Bailey, which classifies different metaphysical personality types of humans, designates those of the third ray of creative intelligence as being “on the Green Ray,” while psychics who see auras refer to those with a green aura as typically having health/healing related occupations and being nature lovers. To me, green is the earth and it’s gardens and the caring for it. It’s the color that stimulates transformation, harmony, fertility, abundance and prosperity, endurance, stability, and regal presence. It represents safe passage (like the green traffic light), balances emotions, calms, and is also the alchemy of consciousness from one realm to another through the spiraling energies of DNA. The feeling of green is earthy and yet still feels very much like liquid, with a fluidity that is enchanting. Think enchanted forest or Emerald Bay of our very own Lake Tahoe, Nevada. And yet mostly, for me, green denotes love.

It is in the stories of the medieval period and in Hinduism that we come to learn how green is a true expression of the all-encompassing heart. Medieval stories portrayed it as representing love and the base, natural desires of man, while the Hindu’s use it to symbolically represent the fourth or Heart Chakra. You see, not only is pink indicative of love and the heart, but green is also a very powerful color linked with unconditional love. This fourth Chakra lies center of our Chakra energy system and is the most powerful energy, in my opinion, that exists. It acts as a bridge between the upper and lower three Chakras; a bridge between all worlds and illusionary divisions. As our Heart Chakra, green has great healing power and protective qualities. It is the one thing we humans can use powerfully when we learn to naturally access it and stay centered in the presence of it’s energy constantly. The Heart Chakra is an impenetrable force of healing that has no boundaries or limitations. It asks that we see, feel, think, and act on a whole other level that is motivated by nothing more than love. When we come from the purity of our hearts and commit to that compassion and acceptance, it implores us to embrace the essence of our being and know the beauty of all of existence, as an extension of ourselves. The Heart Chakra is the jewel of all Chakras, and it’s green energy is the emerald beauty of all gems.

Coincidentally, this brings us back to where we began. Back to a little “Luck of the Irish” energy. It just so happens that the most prominent Irish ring is the Claddagh ring, which has a history dating back to over 300 years and is one of history’s most meaningful and respected jewels. The features of the Claddagh ring symbolize some of the best virtues of human life. The heart held in the hands show love and the hands represent friendship and togetherness, the crown on the heart symbolizes loyalty–all virtues that have increasingly been forgotten in today’s materialistic world. No wonder many people remain fascinated by this Irish ring. People wish that some things would never change. And even though change is natural and inevitable, the core foundation of love that has transcended time, is one thing it wouldn’t hurt to hold on to, and could only benefit us more as we deepen and broaden through its evolvement. Our values and how we treat and honor ourselves, others, and everything around us are telling of what we see as our creation, in respect. Another description of the ring expresses how the heart represents the hearts of each and every member of mankind, in addition to the element which gives everlasting music to the Gael. (Remember that springtime song of birds and love ringing in our ears). The ring is also based on and directly correlative to the Shamrock, one of the oldest symbols of the Holy Trinity among the Irish. This interpretation describes the crown as a symbol of the Father, the left hand as the Son, and the right hand as the Holy Spirit, all caring for the heart in the center, symbolizing humanity. Throughout each varying symbolism, a single theme shines through, specifically that the ring symbolizes the trinity of “Love, Loyalty, and Friendship” or, in Gaelic, “Grá, Dílseacht agus Cairdeas” (pronounced ‘graw, dealshocked ogis cordiss’).

“The hands are there for friendship,

The heart is there for love.

For loyalty throughout the year,

The crown is raised above.”

Taking all of this into account, it becomes very clear, why we find ourselves immersed in good feelings, as we leap into Spring. With all this energy of beauty, renewal, healing, life, and love, it’s no wonder we don’t opt to wear, live, and breathe green all year round. And yet we can, because although the seasons change, the one thing that remains constant, but ever-growing, is the emanating power of our hearts. I am then reminded of the English folksong, “Greensleeves,” which echoes green as the color of lightness in love and the anonymous Irish street ballad, “The Wearing of the Green,” published by Dion Boucicault, from the Irish Rebellion of 1798, which ends in these words:

“And where, please God, we’ll live and die still wearin’ o’ the green!”

Through that emerald glow of love, we can create and be in that lovely energy any moment of the eternity of our lives. And the more we share our green, we can carpet the earth with velvet lawns of unconditional experience. Wearing love and life on our sleeves for always. Sounds good to me! Let us remember and reflect while we embrace the opportunity to begin anew, by planting tomorrow seeds, in the now of today.

With gratitude, I am journeying to England & Ireland mid-March (synchronously) for work, including research and energy experiencing, to help complete my newest painting of my series, which embodies the sacred energy of the Heart Chakra and the enchanted beauty of the Celtic, Druidic, & Cosmic Ancients.

Tania Marie is a Reiki Master Teacher, Visionary Artist, & Host of Sacred Journeys to Egypt, residing in Incline Village, NV. For more information about her work and services please visit http://www.taniamarie.com or call (775) 343-9244. Treatments & classes available by distance or at Reno & Tahoe locations.

*Great men are the gifts of kind heaven to our poor world; instruments by which the Highest One works out His designs; light-radiators to give guidance and blessing to the travelers of time. Moses Harvey.

*Grief, like a tree, has tears for its fruit. Bulwer-Lytton.

*She grieves sincerely who grieves unseen. Martial.

*Well has it been said that there is no grief like the grief which does not speak. Longfellow.

*We hear the rain fall, but not the snow. Bitter grief is loud, calm grief is silent. Auerbach.

*It is dangerous to abandon one’s self to the luxury of grief; it deprives one of courage, and even of the wish for recovery.

*Nothing speaks our grief so well as to speak nothing. Crashaw.

*If our griefs were seen written on our brow, how many would be pitied who are now envied! Metastasio.

*Great grief makes sacred those upon whom its hand is laid. Joy may elevate, ambition glorify, but sorrow alone can consecrate. Horace Greeley.

*Grief, which disposes gentle natures to retirement, to inaction, and to meditation, only makes restless spirits more restless. Macaulay.

*All the joys of earth will not assuage our thirst for happiness; while a single grief suffices to shroud life in a sombre veil, and smite it with nothingness at all points. Mme. Swetchine.

*What is grief? It is an obscure labyrinth into which God leads man, that he may remember his faults and abjure them, that he may appreciate the calm which virtue gives. Leopold Scheffer.

*Griefs are like the beings that endure them–the little ones are the most clamorous and noisy; those of older growth and greater magnitude are generally tranquil, and sometimes silent. Chatfield.

*He that hath so many causes of joy, and so great, is very much in love with sorrow and peevishness, who loses all these pleasures, and chooses to sit down on his little handful of thorns. Jeremy Taylor.

*I pity the man who can travel from Dan to Beersheba, and cry, it is all barren. Sterne.

*When a man is full of the Holy Ghost, he is the very last man to be complaining of other people.
D.L. Moody.

*There is an unfortunate disposition in a man to attend much more to the faults of his companions which offend him, than to their perfections which please him. Greville. *Those who are moved by a genuine desire to do good have little time for murmuring or complaint. Robert West.

*Habit is a cable. We weave a thread of it every day, and at last we cannot break it. Horace Mann.

*The chains of habit are generally too small to be felt till they are too strong to be broken. Johnson.

*To learn new habits is everything, for it is to reach the substance of life. Life is but a tissue of habits. Amiel.

*Habits, soft and pliant at first, are like some coral stones, which are easily cut when first quarried, but soon become hard as adamant. Spurgeon.

*That beneficent harness of routine, which enables silly men to live respectably and happy men to live calmly. George Eliot.

*The law of the harvest is to reap more than you sow. Sow an act, and you reap a habit; sow a habit, and you reap a character; sow a character, and you reap a destiny. G.D. Boardman.

*It must be conceded that, after affection, habit has its peculiar value. It is a little stream which flows softly, but freshens everything along its course. Madame Swetchine.

*The will that yields the first time with some reluctance does so the second time with less hesitation, and the third time with none at all, until presently the habit is adopted. Henry Giles.

*The habit of virtue cannot be formed in a closet. Habits are formed by acts of reason in a persevering struggle through temptation. Gilpin.

*To be perpetually longing and impatiently desirous of anything, so that a man cannot abstain from it, is to lose a man’s liberty…Jeremy Taylor.

*I will govern my life and my thoughts as if the whole world were to see the one and to read the other; for what does it signify to make anything a secret to my neighbor, when to God (who is the searcher of our hearts) all our privacies are open? Seneca.

*Like flakes of snow that fall unperceived upon the earth the seemingly unimportant events of life succeed one another. As the snow gathers together, so are our habits formed. No single flake that is added to the pile produces a sensible change; no single action creates, however it may exhibit, a man’s character. Jeremy Taylor.

*And it is a singular truth that, though a man may shake off national habits, accent, manner of thinking, style of dress,–though he may become perfectly identified with another nation, and speak its language well, perhaps better than his own,–yet never can he succeed in changing his handwriting to a foreign style. Disraeli.

*If we look back upon the usual course of our feelings, we shall find that we are more influenced by the frequent recurrence of objects than by their weight and importance; and that habit has more force in forming our characters than our opinions have. The mind quotes takes its tone and complexion from what it habitually contemplates. Robert Hall.

*Happiness: The soul’s calm sunshine. Pope.

*Happiness is the natural flower of duty. Phillips Brooks.

*Happiness is a rare cosmetic. G.J.W. Melville.

*Happiness is where we find it, but rarely where we seek it. J. Petit-Senn.

*We are no longer happy so soon as we wish to be happier. Landor.

*Happiness never lays its finger on its pulse. It we attempt to steal a glimpse of its features it disappears. Alexander Smith.

*Beware what earth calls happiness; beware all joys but joys that never can expire. Young.

*Happiness is not the end of duty, it is a constituent of it. It is in it and of it; not an equivalent, but an element. Henry Giles.

*Happiness is always the inaccessible castle which sinks in ruin when we set foot on it. Arsene Houssaye.

*The sunshine of life is made up of very little beams, that are bright all the time. Aiken.

*He who has no wish to be happier is the happiest of men. W.R. Alger.

*Happiness is a sunbeam, which may pass through a thousand bosoms without losing a particle of its original ray. Sir P. Sidney. *The happiness of the tender heart is increased by what it can take away of the wretchedness of others. J. Petit-Senn.

*Happiness and virtue react upon each other–the best are not the happiest, but the happiest are usually the best. Lytton.

*Hunting after happiness is like hunting after a lost sheep in the wilderness–when you find it, the chances are that it is a skeleton. H.W. Shaw.

*A sound mind in a sound body is a short but full description of a happy state in this world. Locke.

*The body is like a piano, and happiness is like music. It is needful to have the instrument in good order. Beecher.

*That state of life is most happy where superfluities are not required and necessaries are not wanting. Plutarch.

*Wouldst you ever roam abroad? See, what is good lies by thy side. Only learn to catch happiness, for happiness is ever by you. Goethe.

*The common course of things is in favor of happiness; happiness is the rule, misery the exception. Were the order reversed, our attention would be called to examples of health and competency, instead of disease and want. Paley.

*True happiness is of a retired nature, and an enemy to pomp and noise. It arises, in the first place, from the enjoyment of one’s self, and, in the next, from the friendship and conversation of a few select friends. Addison.

*When we are not too anxious about happiness and unhappiness, but devote ourselves to the strict and unsparing performance of duty, then happiness comes of itself–nay, even springs from the midst of a life of troubles and anxieties and privation. Humboldt.

*Happiness in this world, when it comes, comes incidentally. Make it the object of pursuit, and it leads us a wild-goose chase, and is never attained. Hawthorne.

*There is a gentle element, and man may breathe it with a calm, unruffled soul, and drink its living waters, till his heart is pure; and this is human happiness. Willis.

*To be happy is not only to be freed from the pains and diseases of the body, but from anxiety and vexation of spirit; not only to enjoy the pleasures of sense, but peace of conscience and tranquility of mind. Tillotson.

*Without strong affection, and humanity of heart, and gratitude to that Being whose code is mercy, and whose great attribute is benevolence to all things that breathe, true happiness can never be attained. Dickens.

*I have lived to know that the great secret of human happiness is this: Never suffer your energies to stagnate. The old adage of “too many irons in the fire” conveys an untruth–you cannot have too many –poker, tongs–and all, keep them going. Adam Clark.

*The haunts of happiness are varied and rather unaccountable, but I have more often seen her among little children, and home firesides, and in country houses, than anywhere else…Sydney Smith.

*The happiness of life is made up of minute fractions–the little, soon-forgotten charities of a kiss, a smile, a kind look, a heartfelt compliment in the disguise of a playful raillery, and the countless other infinitesimals of pleasant thought and feeling. Coleridge.

*God loves to see His creatures happy; our lawful delight is His; they know not God that think to please Him with making themselves miserable. Bishop Hall.

*The happiness of life consists, like the day, not in single flashes of light, but in one continuous mild serenity. The most beautiful period of the heart’s existence is in this calm, equable light, even although it be only moonshine or twilight. Now the mind alone can obtain for us this heavenly cheerfulness and peace. Richter.

*Happiness no more depends on station, rank, or any local or adventitious circumstances in individuals than a man’s life is connected with the color of his garment. The mind is the seat of happiness, and to make it so in reality, nothing is necessary but the balm of gospel peace, and the saving knowledge of the Son of God. Anonymous.

*Harvest: Nature’s bank-dividends. Haliburton.

*The husbandman is close to the heart of nature, lives in touch with God, and so, more than many, shares His deep content, His tranquility, and builds up a character of hardy independence, of kindly considerateness for His servants, and of helpful ministry to the poor…Believe in God, believe in nature, and do your duty; and the farm life, with its regular round of duties, its simple loves, its high thoughts, its wise economies, its immediate touch of earth, its charming gossip, its pleasant human interests, and its many windows through which we may catch sight of the face of God, will yield us all we need for a simply, manly, godly life…Do not despise your work. Do it well. Be a whole man to it while you are at it. Israel’s great men did not think it beneath them to inspect their flocks. The patriarchs were shepherds and cultivators of the soil. Job was a shepherd. Moses was a shepherd. David looked well after his flocks. Gideon was accosted by God when he was threshing wheat. A great and noble life does not depend on rank or place, but on purpose, faith, love, character and service. John Clifford, D.D.

*The year’s food only is grown in the year. Each year the world depends for James Taylor upon something freshly given it which it cannot provide for itself. As the harvest approaches the wolf is at the door. Nothing stands between us and starvation but the harvest covenant of the ever-faithful God: “Seed-time and harvest shall not cease.” Away, then, with our fancied independence!…We pray in the line of the harvest covenant when we say, “Give us this day our daily bread.” Illustrated Christian Weekly.

*The life of agricultural industry has better guaranties than the crown of kings…In its simple and steady processes it reveals the Father’s care for His children. John Clifford, D.D.

*It is the peculiarity of all the cereals that they are never found growing wild… Presbyterian Witness.

*Health and cheerfulness mutually beget each other. Addison.

*A hale cobbler is a better man than a sick king. Bickerstaff.

*Reason’s whole pleasure, all the joys of sense, lie in three words–health, peace, and competence. Pope.

*The root of sanctity is sanity. A man must be healthy before he can be holy. We bathe first, and then perfume. Mme. Swetchine.

*Refuse to be ill. Never tell people you are ill; never own it to yourself. Illness is one of those things which a man should resist on principle at the onset. Lytton.

*He who overlooks a healthy spot for the site of his house is mad and ought to be handed over to the care of his relations and friends. Varro.

*The morbid states of health, the irritableness of disposition, arising from unstrung nerves, the impatience, the crossness, the fault-finding of men, who, full of morbid influences, are unhappy themselves, and throw the cloud of their troubles like a dark shadow upon others, teach us what eminent duty there is in health. Beecher.

*Home-keeping hearts are happiest. Longfellow.

*Be persuaded that your only treasures are those which you carry in your heart. Demophilus. 937. What sad faces one always sees in the asylums for orphans! It is more fatal to neglect the heart than the head. Theodore Parker.

*If you should take the human heart and listen to it, it would be like listening to a sea-shell; you would hear in it the hollow murmur of the infinite ocean to which it belongs, from which it draws its profoundest inspiration, and for which it yearns. Chapin.

*Earth has no sorrow that heaven cannot heal. Moore.

*In a better world we will find our young years and our old friends. J. Petit-Senn.

*If I am allowed to give a metaphorical allusion to the future state of the blessed, I should imagine it by the orange-grove in that sheltered glen on which the sun is now beginning to shine, and of which the trees are, at the same time, loaded with sweet golden fruit and balmy silver flowers. Such objects may well portray a state in which hope and fruition become one eternal feeling. Sir Humphry Davy.

*Troops of heroes undistinguished die. Addison.

*We can all be heroes in our virtues, in our homes, in our lives. James Ellis.

*Each man is a hero and an oracle to somebody, and to that person whatever he says has an enhanced value. Emerson.

*The gentle breath of peace would leave him on the surface neglected and unmoved. It is only the tempest that lifts him from his place. Junius.

*The heroes of literary history have been no less remarkable for what they have suffered than for what they have achieved. Johnson.

*Nobody, they say, is a hero to his valet. Of course; for a man must be a hero to understand a hero. The valet, I dare say, has great respect for some person of his own stamp. Goethe.

So many potentially good traders can easily be put off from the outset, because they failed to follow three main rules when they started out. Losing money is result, and the most common problem is ignorance, or at least lack of proper knowledge.

It’s not essentially their fault, because there’s so much available to temp people into trading quickly and easily. Not that it need to be difficult, but you have to follow the rules. Wander from them at your peril, but stick to them and you should find yourself enjoying trading either as a hobby, or full time, if that’s your desire.

Here are 3 essential things you must grasp before you can trade profitably:

1. Your Stop Loss order is crucial. It is the closest thing you have to an insurance policy that ensures your account is not wiped out. And lose money you will. There’s nothing that can be guaranteed in trading the stock market except that you will take hits. But employ a stop loss order and you can rest easy that your losses are kept to a minimum and that you have traded well.

2. Over trading. I think you’d be very unwise to place any more than 5 percent of you trading budget on any trade. Don’t open more than one position when you start either, and look for those trades with more gentle personalities. The FTSE 250 is a good place to look for such trades because they have movement but without the volatility of say, the Forex market. Unfortunately my introduction to trading was by virtue of the commodities market – it all but wiped me out.

3. Emotion will play a huge part in trying to wipe out you account too. It gallops in under two guises – greed and fear. It is crucial you harness and control them and you do this by taking the time to learn a good trading system that you’re comfortable with. It’s about learning a trading plan and then sticking to it until you’re more experienced. I won’t say confident because that could trip you up in the form of greed. Keep greed and fear far behind you, where they belong.

By getting to grips with these three important points, you will better equip yourself for a far better trading experience. Every good trader will tell you to that you focus should be to cut your losses and let your profits run.

How would you like to discover more about the techniques successful traders use to make profitable trades?

Download them free here: Day Trading Course

Ian Jackson is an authority on Day Trading information, learning the hard way – and now he reveals how you can learn the business too, without all the growing pains.

Do you need a car audio products? There are some things which you should keep in mind while buying car audio products. An automobile is incomplete without an audio system. An audio system not only enhances the beauty but also increases the comfort and luxury. Do you want to add a finishing touch to your automobile? If yes then start looking for a high quality audio system. Have you ever driven a car with high quality music. High music quality can enhance your driving experience.

What I should know about automobile music systems? They are available in wide range. You can find the system with several features. The cost of the system depends on the features. One of the most basic audio accessories is radio. Nobody wants an automobile without a radio. Nowadays music systems come with lots of external ports. Ports are meant for connecting to external devices. The common latest devices which can be connected to the audio system are ipod and a Mp3 player. An automobile contains not only speakers but many more things. You should know all your requirements before you buy something new something for your new car.

A standard car audio contains amplifiers and other units.The quality of the voice depends on the hardware. The main part of the system is head unit. The head unit controls all the parts of the system. All the functions and features are controlled from the unit.

Do you need some tips to buy a car audio? If yes then you are reading the right article. There are many stores which are offering car accessories and audio but your job is to choose the one with high quality products. You can consult a professional before you buy accessories. He can help you a lot in every aspect of car remodelling project. You can also consult your friends and relatives who have recently bought car audio system.

The price of the accessory depends on the quality and features of the audio system. If you want to pay a reasonable price then it is a good idea to look for a wholesale store. Wholesale stores always offer handsome discounts.

How to install an audio system? It is not a difficult task to install a system but you should hire a professional. He can easily install the system according to your desire and requirements.

While buying the audio you should the quality of the voice should be kept in mind. You should have some knowledge about car audio. You can spend some time on the internet before you buy something new for the car. There are many websites and blogs which are devoted to automobile accessories and audio systems. Knowledge the topic can help you in selecting best right accessory for your automobile. You can also go through some article directories which offer quality articles on every topic.

There are some blogs which review latest accessories and automobile audio. It is a good idea to go through these reviews. A positive review is always helpful.

If you want to now more about Car HiFi then feel free to visit Caraudio.

As a landlord, one of your prime objectives is to ensure that your tenants submit rent in good time partnership take good care of your rental properties. However, more often than not, you will find yourself embroiled in prolonged disputes with your tenants due to misuse of your rental housing units. Moreover, you will also encounter tenants who will want to be pursued every month before they submit their monthly rent arrears.

Therefore, you stand a better chance to limit or even eliminate such painstaking and time consuming experiences if you adopt preventive measures. One of the most effective ways of avoiding future disputes with your tenants involves thorough screening of prospective tenants. Indeed, thorough screening of prospective tenants is a cautionary action that aims at ensuring that you let out your rental properties only to responsible, honest and trustworthy tenants. Some of the key instruments that you can utilize to screen your prospective tenants includes use of Legal forms such as rental application forms and rental Agreement forms.

Use of rental application forms

Rental application form is a very reliable instrument that you can use to screen your future tenants. rental application forms represent some sort of interview in which applicants for rental houses reveal detailed information about themselves. You can then use the details provided by the prospective tenants in the rental application forms to investigate the validity of the information provided. Some of the main details that you may require applicants to reveal in the rental application forms include: marital status, size of the tenant’s family, current and former landlords, current occupation of the tenants, reasons for moving houses, and amount of rent payable to the current landlord.

Your rental application forms should also prompt the applicants to provide information about their income and employment status, credit history as well as information about bankruptcies and past evictions. You should also request the applicants to validate their information by appending relevant referees and the contact details of the referees. In fact, you will find credit reports to be very convenient in ascertaining the abilities of your respective tenants to pay rent because they provide candid histories of individual concerning punctuality in paying rent and other bills as well as past bankruptcies and evictions. This approach of digging out current and historical information about applicants will facilitate your desire to house responsible and cooperative tenants.

Signing of rental agreements

Once you approve the rental application request of a future tenant, the next important step that you must undertake is signing of a rental agreement that clearly spells out to the tenant the terms and conditions for renting your property. The Rental Agreement should be signed before the tenant occupies your rental property. Signing of Rental Agreement is a legal way of committing your prospective tenants to comply with your prescribed conditions for renting your property, failure of which they risk legal action being taken against them. Some of the key details that should be contained in a Rental Agreement include:

• Total rent payable per month;
• Security deposit payable before a tenant occupies your house;
• Terms and conditions for refunding security deposit when the tenant vacates the property;
• Clear statement as to who will be responsible for paying different bills such as electricity and water bill;
• Terms and conditions for using additional facilities such as car park
• Visiting hours
• Clear statement as to who will be responsible for different types of repairs and maintenance of the house.

It is always important to remember that all your actions as a landlord are limited within the stipulated state laws of your respective state. You must endeavor to avoid contravening state specific laws due to the fact that different states in the business have different laws that govern landlord-tenant relationships. You can avoid contravening state laws by employing the use of Landlord forms or real estate forms that have been designed by experts. partnership are some sites which offer Free rental application forms online.

I. Paul is a financial adviser and freelance writer.