Tuesday, November 24, 2009

Secured loans

Secured loans are those loans that are protected by an asset or collateral of some sort. The item purchased, such as a home or a car, can be used as collateral, and a lien can be placed on such purchases. The finance company or bank will hold the deed or title until the loan has been paid in full, including interest and all applicable fees. Other items such as stocks, bonds, or personal property can be put up to secure a loan as well.

A secured loan is a loan in which the borrower pledges some asset (e.g. a car or property) as collateral for the loan.

A mortgage loan is a very common type of debt instrument, used by many individuals to purchase housing. In this arrangement, the money is used to purchase the property. The financial institution, however, is given security — a lien on the title to the house — until the mortgage is paid off in full. If the borrower defaults on the loan, the bank would have the legal right to repossess the house and sell it, to recover sums owing to it.

In some instances, a loan taken out to purchase a new or used car may be secured by the car, in much the same way as a mortgage is secured by housing. The duration of the loan period is considerably shorter — often corresponding to the useful life of the car. There are two types of auto loans, direct and indirect. A direct auto loan is where a bank gives the loan directly to a consumer. An indirect auto loan is where a car dealership acts as an intermediary between the bank or financial institution and the consumer.

A type of loan especially used in limited partnership agreements is the recourse note.

Life is a game

Life is a game,
A game of chess,
If you make a wrong move,
Your winning chances are less.

Life is so precious,
Life is so beautiful,
Life is a real game,
So make winning your aim.

Tuesday, November 17, 2009


Motivation is the inner power or energy that pushes one toward performing a certain action.
When one is fired from the inner power and ready to take the difficult path to achieve their goals and targets, they are said to be motivated. And this is a strong feeling or urge. It is fired by internal, as well as external factors. Thus, when asked what is motivation? The answer is as simple as this: "IT IS THE DRIVING FORCE THAT KEEPS ONE GOING TOWARDS ONE'S GOALS."

Monday, November 16, 2009


Mesothelioma is a type of cancer that is caused by exposure to asbestos. In this disease, malignant cells develop in the mesothelium, a protective lining that covers most of the body's internal organs. The most common site of Mesothelioma is the pleura the outer lining of the lungs and internal chest wall, but Mesothelioma may also occur in the peritoneum the lining of the abdominal cavity, the heart,the pericardium a sac that surrounds the heart or tunica vaginalis.

People who are affected by mesothelioma have worked on jobs where they inhaled asbestos particles, or they have been exposed to asbestos dust and fiber in other ways. It has also been suggested that washing the clothes of a family member who worked with asbestos can put a person at risk for developing mesothelioma.

Friday, November 6, 2009

Own Motivational Thoughts

What does "making it your own" mean? It means experimenting with a good thought until you find a way to use it in your own recipe for motivation. For example, suppose you are in a difficult situation and you just don't feel like dealing with it. Then you play around with the idea of opportunity coming from difficulty, and you discover that it pulls you out of your slump to think about yourself in the future, explaining to a friend how you turned the difficult situation to your advantage.

That is making it your own motivational thought. Of course, it might be more motivating to imagine yourself being interviewed someday about how you overcame this difficult time. Whatever kind of thinking works for you is what you should be doing.

Sunday, August 16, 2009

Motivational Quote of the Day - 16/08/09

"Nothing will ever be attempted if all possible objections must first be overcome."
-Samuel Johnson

"Motivation will almost always beat mere talent."
-Norman R. Augustine

"All you can do is all you can do, but all you can do is enough."
-A. L. Williams

“Success is doing ordinary things extraordinarily well.”
-Jim Rohn

"If you want to be successful, find someone who has achieved the results you want and copy what they do and you'll achieve the same results."
-Tony Robbins

"The best way to predict your future is to create it."
-Stephen Covey

Wednesday, July 15, 2009

Motivational Quote of the Day - 16/07/09

If I have seen farther than others, it is because I was standing on the shoulder of giants.
~ Isaac Newton

Within each of us lies the power of our consent to health and sickness, to riches and poverty, to freedom and to slavery. It is we who control these, and not another.
-Richard Bach

"You have no control over what the other guy does. You only have control over what you do."
- A.J. Kitt

"Better be ill spoken of by one before all than by all before one."
- Scottish Proverb

My Friend

My Friend when I think of you.
I think of all that we've been through.
All the times we argue and fight,
I know deep inside that it isn't right.
I, then feel bad and alot of pain.
It feels like I've fallen from the sky like the rain.
I love you dear friend with all of my heart.
But now that you're gone I've fallen apart.
I'm getting better as the days go by.
I wish sometimes this was all a big lie.
I pray to you every night.
It's like you're my fire, a burning light.
My dear friend, I miss you alot.
I still wonder why you were put in that spot.
I know you're in a place much better than here.
Watching and helping me with all of my fear.
Our friendship my dear friend,
we will have to the end.
Friends til the end is what we will be.
Someday we'll be together,
together you and me.

Monday, July 13, 2009

Motivational Quote of the Day - 14/07/09

Know what you want to do, hold the thought firmly, and do every day what should be done, and every sunset will see you that much nearer the goal. -Elbert Hubbard

"We don't receive wisdom; we must discover it for ourselves after a journey that no one can take for us or spare us."

Tuesday, July 7, 2009


A Friend...

(A)ccepts you as you are
(B)elieves in "you"
(C)alls you just to say "HI"
(D)oesn't give up on you
(E)nvisions the whole of you (even the unfinished parts)
(F)orgives your mistakes
(G)ives unconditionally
(H)elps you
(I)nvites you over
(J)ust "be" with you
(K)eeps you close at heart
(L)oves you for who you are
(M)akes a difference in your life
(N)ever Judges
(O)ffer support
(P)icks you up
(Q)uiets your fears
(R)aises your spirits
(S)ays nice things about you
(T)ells you the truth when you need to hear it
(U)nderstands you
(V)alues you
(W)alks beside you
(X)-plains thing you don't understand
(Y)ells when you won't listen and
(Z)aps you back to reality

Don't Change the World

Once upon a time, there was a king who ruled a prosperous country. One day, he went for a trip to some distant areas of his country. When he was back to his palace, he complained that his feet were very painful, because it was the first time that he went for such a long trip, and the road that he went through was very rough and stony. He then ordered his people to cover every road of the entire country with leather. Definitely, this would need thousands of cows' skin, and would cost a huge amount of money.

Then one of his wise servant dared himself to tell the king, "Why do you have to spend that unnecessary amount of money ? Why don't you just cut a little piece of leather to cover your feet ?"

The king was surprised, but he later agreed to his suggestion, to make a "shoe" for himself.

Moral of this story :
To make this world a happy place to live, you better change yourself - your heart; and not the world.

Thursday, June 25, 2009

Thought of the Day - 26/06/2009

" If you lose an opportunity, don't close your eyes with tears. Keep your vision clear, so that you don't miss the second chance."

" Honesty is always the best policy sometimes."

" Every man is the architect of his own fortune."

Never Give Up

I will never give up
No matter what the odds are
No matter what people say
No matter how far
I will never give up

If I throw it away time after time
If I am one step behind try after try
If I miss dime after dime
I will never give up

Even when it seems all over
Even when no one else believes
Even when it seems I can go no further
I will never give up

For I know I have strength within
For I know I can persevere
For I know that I can win
I will never give up

Because it's someone else's fault
Because I am settling for good enough
Because I fear that I will fall short
I will never give up

There is so much I can still do
There is too much talent to waste
There is so much in me that I want you to see
I will never give up

Why squander all of my hard work and dedication
Why not show the world that I am a fearless baller
Why quit when I still have the opportunity to go on
I will never give up

If I do, I will not be the best me that could live
If I do, I will never know what I am capable of
If I do, I am not giving the world all I can give
I will never give up

"Be a 'Human Being' instead of a 'Human Having'".

So often we try to create our identity with what we have, with our possessions and our position, yet our identity is actually created by our behavior, by what we do and more importantly by how we do what we do. What really matters is not what you have got or the position that you hold, but who you are and how you behave.

We have become a society where we tend to measure a persons status by their possessions and their position. We no longer measure them by their contribution to society. This has created an enormous pressure to constantly flaunt the trappings of "success" the material things that create the impression of status.

Yet the very drive to constantly acquire the trappings of "success" creates a problem. The problem of spending money that you don't have, to buy things that you don't need, so that you can impress people that you don't like.

This leads to constant insecurity, firstly can I afford these things and secondly, what if someone gets something bigger, better, faster, brighter. You sacrifice your peace of mind for the illusion of material comfort and power.

We have to learn to do more with less. Realise that your personality is more important than your possessions. Realise that what you do is more important than what you've got. Realise that how you do what you do is more important than what you do.

Your actions have a greater influence on your reputation than the position you hold or the possessions you accumulate. The one thing that you take with you where ever you go, is you. Make sure that you are worth taking along. Realise that all possessions and positions are transient, here today gone tomorrow. Think of all the changes that have already taken place in your life. The only constant is "you".

So choose to "Be a 'Human Being' instead of a 'Human Having'".

Where are you God?

Where are you God?
I need to know.
How do I find you?
Where should I look or go?

God answered,

"I am the air and a breeze.
I am the tall majestic trees.
I am the west, east, south, and north.
I am the sky, heaven, and earth.
I am the bright morning star.
I am the strength you need when opening a jar.
I am the enchanting moonlight and radiant sun.
I am the Almighty One.
I am the Artist that painted nature's canvas.
I am the man, woman or child you walk past.
I am the wind that kisses your cheek.
I am the creator of the seven days of the week.
I am the first and the last.
I am the present and the past.
I am the breath you take.
I am the ocean, sea, bay and lake.
I am the only way.
I am the night and day.
I am the truth, life and vine.
I am the judge of all mankind.
I am the destructive hurricane and tornado.
I am the cause of many calamities and fiascos.
I am the light of the world.
Did I answer your question my child, my girl?"

"So, my child, just remember that I am always around.
And that my greatness and splendor can always be found.
Spread this revelation and goods news all over town.
Go and let your poetry be like a trumpet sound."

Thursday, June 18, 2009

Just One

One song can spark a moment,
One flower can wake the dream
One tree can start a forest,
One bird can herald spring.

One smile begins a friendship,
One handclasp lifts a soul.
One star can guide a ship at sea,
One word can frame the goal

One vote can change a nation,
One sunbeam lights a room
One candle wipes out darkness,
One laugh will conquer gloom.

One step must start each journey.
One word must start each prayer.
One hope will raise our spirits,
One touch can show you care.

One voice can speak with wisdom,
One heart can know what's true,

One life can make a difference,
You see, it's up to you!

The Story of the Butterfly

A man found a cocoon of a butterfly.
One day a small opening appeared.
He sat and watched the butterfly for several hours
as it struggled to squeeze its body through the tiny hole.
Then it stopped, as if it couldn't go further.

ButterflySo the man decided to help the butterfly.
He took a pair of scissors and
snipped off the remaining bits of cocoon.
The butterfly emerged easily but
it had a swollen body and shriveled wings.

The man continued to watch it,
expecting that any minute the wings would enlarge
and expand enough to support the body,
Neither happened!
In fact the butterfly spent the rest of its life
crawling around.
It was never able to fly.

What the man in his kindness
and haste did not understand:
The restricting cocoon and the struggle
required by the butterfly to get through the opening
was a way of forcing the fluid from the body
into the wings so that it would be ready
for flight once that was achieved.

Sometimes struggles are exactly
what we need in our lives.
Going through life with no obstacles would cripple us.
We will not be as strong as we could have been
and we would never fly.

Wednesday, June 17, 2009

How Important is Goal Setting?

How Important is Goal Setting?

You say you have set your goals?


Are they set for the right reason?

We set goals for short term objectives. Most of these objectives concern materialistic wants: money, and physical things.

Here is a suggestion to take a different point of view when working on goals.

Start with deciding what your life should be. Take some time to define your life five years from now. Here are some questions you might ask yourself.

* What are my surroundings?

* What kind of places am I in?

* What am I feeling?

* What are my emotions?

* What types of people are around me?

* What kind of feelings do I get from them?

* What am I doing? Physically?

* Where am I going? My future?

* Where have I been?

Notice there are no questions dealing with money, or named places, or named people. The answers to these questions will provide you with attitudes, feelings, values, perceptions and other non-tangible ideas that make life worth living no matter where you are, who you are with, or what you are doing!

If we have created a lifestyle that we like, then the physical part of our lives will fit right in and accompany the lifestyle because it has to!

My suggestion is to look at the lifestyle you want to create, and set your plan to achieve the lifestyle instead of the physical side of life most of us set our goals to achieve.

To go even deeper, define your values very clearly and make sure that your vision of your life in five years fits with your values.

Is it worth it?

You have heard the phrase 'plan your work and work your plan'? If you do not create your life by setting goals and a plan to reach them, someone is doing it for you. If you think about it, that is really scary! What kind of vision would some else have for you?

Think of it this way. Look back five years ago in your life. Are you today where you imagined you would be five years ago? Or are you where someone else imagined you would be?

Don't you think your life would dramatically improve if you made the plan instead of 'them'? Don't you think you might have a little more interest in your life than someone else?

I should hope so.

Monday, June 8, 2009

Be careful what you say

A group of frogs were hopping contentedly through the woods, going about their froggy business, when two of them fell into a deep pit. All of the other frogs gathered around the pit to see what could be done to help their companions. When they saw how deep the pit was, the rest of the dismayed group agreed that it was hopeless and told the two frogs in the pit that they should prepare themselves for their fate, because they were as good as dead.

Unwilling to accept this terrible fate, the two frogs began to jump with all of their might. Some of the frogs shouted into the pit that it was hopeless, and that the two frogs wouldn't be in that situation if they had been more careful, more obedient to the froggy rules, and more responsible. The other frogs continued sorrowfully shouting that they should save their energy and give up, since they were already as good as dead. The two frogs continued jumping as hard as they could, and after several hours of desperate effort were quite weary.

Finally, one of the frogs took heed to the calls of his fellows. Spent and disheartened, he quietly resolved himself to his fate, lay down at the bottom of the pit, and died as the others looked on in helpless grief. The other frog continued to jump with every ounce of energy he had, although his body was wracked with pain and he was completely exhausted. His companions began anew, yelling for him to accept his fate, stop the pain and just die. The weary frog jumped harder and harder and - wonder of wonders! Finally leapt so high that he sprang from the pit.

Amazed, the other frogs celebrated his miraculous freedom and then gathering around him asked, "Why did you continue jumping when we told you it was impossible?" Reading their lips, the astonished frog explained to them that he was deaf, and that when he saw their gestures and shouting, he thought they were cheering him on. What he had perceived as encouragement inspired him to try harder and to succeed against all odds.

This simple story contains a powerful lesson. The book of Proverbs says, "There is death and life in the power of the tongue." Your destructive words can cause deep wounds; they may be the weapons that destroy someone's desire to continue trying - or even their life. Your destructive, careless word can diminish someone in the eyes of others, destroy their influence and have a lasting impact on the way others respond to them. Your encouraging words can lift someone up and help them make it through the day.

Be careful what you say. Speak life to (and about) those who cross your path. There is enormous power in words. If you have words of kindness, praise or encouragement - speak them now to, and about, others. Listen to your heart and respond. Someone, somewhere, is waiting for your words...

What really matter is your attitude and your perception.

What really matter is your attitude and your perception

This is a real story happened between the customer of General Motors and its customer-care executive...A complaint was received by the Pontiac Division of General Motors: This is the second time I have written to you, and I don't blame you for not answering me, because I sounded crazy, but it is a fact that we have a tradition in our family of ice cream for dessert after dinner each night. But the kind of ice cream varies so, every night, after we've eaten, the whole family votes on which kind of ice cream we should have and I drive down to the store to get it. It's also a fact that I recently purchased a new Pontiac and since then my trips to the store have created a problem.

You see every time I buy a vanilla ice cream, when I start back from the store my car won't start. If I get any other kind of ice cream, the car starts just fine. I want you to know I'm serious about this question, no matter how silly it sounds: "What is there about a Pontiac that makes it not start when I get vanilla ice cream, and easy to start whenever I get any other kind?"The Pontiac President was understandably skeptical about the letter, but sent an engineer to check it out anyway. The latter was surprised to be greeted by a successful, obviously well educated man in a fine neighborhood. He had arranged to meet the man just after dinnertime, so the two hopped into the car and drove to the ice cream store.

It was vanilla ice cream that night and, sure enough, after they came back to the car, it wouldn't start. The engineer returned for three more nights. The first night, they got chocolate. The car started. The second night, he got strawberry. The car started. The third night he ordered vanilla. The car failed to start. Now the engineer, being a logical man, refused to Believe that this man's car was allergic to vanilla ice cream. He arranged, therefore, to continue his visits for as long as it took to solve the problem. And toward this end he began to take notes: he jotted down all sorts of data: time of day, type of gas uses, time to drive back and forth etc. In a short time, he had a clue: the man took less time to buy vanilla than any other flavor. Why? The answer was in the layout of the store. Vanilla, being the most popular flavor, was in a separate case at the front of the store for quick pickup. All the other flavors were kept in the back of the store at a different counter where it took considerably longer to check out the flavor.

Now, the question for the engineer was why the car wouldn't start when it took less time. Once time became problem - not the vanilla ices cream, the engineer quickly came up with the answer: "Vapor lock". It was happening every night; but the extra time taken to get the other flavors allowed the engine to cool down sufficiently to start. When the man got vanilla, the engine was still to hot for the vapor lock to dissipate. Remember: Even crazy looking problems are sometimes real and all problems seem to be simple only when we find the solution with a cool thinking. Don't just say its "IMPOSSIBLE" without putting a sincere effort...Observe the word "IMPOSSIBLE" carefully... You can see "I'M POSSIBLE"...

Friday, May 29, 2009


I wandered lonely as a cloud
That floats on high o'er vales and hills,
When all at once I saw a crowd,
A host, of golden daffodils;
Beside the lake, beneath the trees,
Fluttering and dancing in the breeze.

Continuous as the stars that shine
And twinkle on the milky way,
They stretched in never-ending line
Along the margin of a bay:
Ten thousand saw I at a glance,
Tossing their heads in sprightly dance.

The waves beside them danced, but they
Out-did the sparkling leaves in glee;
A poet could not be but gay,
In such a jocund company!
I gazed—and gazed—but little thought
What wealth the show to me had brought:

For oft, when on my couch I lie
In vacant or in pensive mood,
They flash upon that inward eye
Which is the bliss of solitude;
And then my heart with pleasure fills,
And dances with the daffodils.

Wednesday, May 27, 2009


To laugh is to risk appearing the fool.
To weep is to risk appearing sentimental
To reach out for another is to risk involvement.
To expose feelings is to risk exposing your true self.
To place your ideas, your dreams, before a crowd is
to risk their loss.
To love is to risk not being loved in return.
To live is to risk dying.
To try is to risk failure.
But risks must be taken, for the greater hazard
is to risk nothing.
The person who risks nothing does nothing, has
nothing and is nothing.
They may avoid suffering and sorrow, but they
cannot learn,change, grow, love, live.
Chained by their attitude they are a slave, they have
forfeited freedom.
Only the person who risks is free.

– Leo Buscagalia

And as another has said, "To risk nothing is to risk everything."

Tuesday, May 26, 2009

Winners don't watch things happen. They make them happen.

The point is, "Quitters never win and winners never quit."

"Winners don't watch things happen. They make them happen."

So, if you want to be a winner, begin today by writing down your goals. Then start working towards their fulfillment immediately. Beginning is the hard part. But once you've begun, you're already half done. Then work towards achieving your goals just one step at a time. As it has been said before, "Inch by inch anything's a cinch—but yard by yard it's miles too hard!"

And remember, even the longest race is run only one step at a time.

And if you want to be a real winner, make sure your goals are in harmony with God's will for your life. He wants you to reach your total potential and become a true winner.

Winning is like God said to Joshua hundreds of years ago: "I have given you the promised land. It's yours for the taking, but you must rise, go and possess it for yourself."

That's what God says to each of us today. "I have a plan for your life. I have a potential for you to reach. I will give you good success, too, if you will follow me. I have the gift of forgiveness of sins, and the gift of eternal life for you. All of these are yours for the taking. But you need to respond to my call, arise and claim them for yourself."

The beginning step is to pray, "Dear God, I want to be a winner on your team. I want to discover your purpose and goal for my life. I respond to your call to follow you. I commit my life to you and trust you to lead me in each step I take."

Commit and trust your life to God every day and you, too, will be a winner. As Solomon wrote in Proverbs: "Trust in the Lord with all your heart and lean not on your own understanding; in all your ways acknowledge him, and he will make your paths straight."

Failure: Never Forever

It is well known that for 28 years Abraham Lincoln experienced one failure after another. In 1833 he had a nervous breakdown. When he ran for speaker in 1838 he was defeated. In 1848 he lost re-nomination to Congress and was rejected for land officer in 1849. These failures didn't stop him from battling on. In 1854 he was defeated for the Senate. Two years later he lost the nomination for vice-president and was again defeated for the Senate in 1858. Yet, despite it all, in 1860 he was elected president and went down in history as one of America's greatest presidents.

Obviously, success isn't the absence of failure. It is having the determination to never quit because "quitters never win and winners never quit."

Almost every person who has achieved anything worthwhile with his or her life has not only experienced failure but experienced it many times. Lincoln experienced innumerable failures, but he was never a failure because he never gave up.

Walt Disney was the same. He went broke several times and had a nervous breakdown before he became successful.

Enrico Caruso failed so many times with his high notes that his voice teacher advised him to give up. He didn't. Instead, he persevered and became one of the world's greatest tenors.

Albert Einstein and Werner von Braun both failed courses in math. Henry Ford was broke when he was 40. Thomas Edison's school teacher called him a dunce, and later he failed over 6,000 times before he perfected the first electric light bulb.

Have a attitude that Never Forever. You will win one day.

Wednesday, May 20, 2009


It will change your life (at least the way you react to situations).
What is this principle?


What does this mean?

We really have no control over 10% of what happens to us.

We cannot stop the car from breaking down. The plane will be late arriving, which throws our whole schedule off. A driver may cut us off in traffic.

We have no control over this 10%.The other 90% is different. You determine the other 90%.

How? By your reaction.

You cannot control a red light. However, you can control your reaction.

Do not let people fool you; You can control how you react.

Let us use an example:

You are eating breakfast with your family. Your daughter knocks over a cup of coffee onto your
business shirt. You have no control over what just happened.

What happens next will be determined by how you react. You curse.

You harshly scold your daughter for knocking the cup over.

She breaks down in tears. After scolding her, you turn to your spouse and criticize her for placing the cup too close to the edge of the table. A short verbal battle follows.

You storm upstairs and change your shirt. Back downstairs, you find your daughter has been too busy crying to finish breakfast and get ready for school.

She misses the bus. Your spouse must leave immediately for work. You rush to the car and drive your daughter to school.

Because you are late, you drive 40 miles an hour in a 30 mph speed limit zone. After a 15-minute
delay and throwing $60 traffic fine away, you arrive at school.

Your daughter runs into the building without saying goodbye. After arriving at the office 20 minutes late, you find you forgot your briefcase.

Your day has started to horrible. As it continues, it seems to get worse and worse.

You look forward to coming home, When you arrive home, you find small wedge in your
relationship with your spouse and daughter.

Why? Because of how you reacted in the morning. Why did you have a bad day?
A) Did the coffee cause it?
B) Did your daughter cause it?
C) Did the policeman cause it?
D) Did you cause it?

You had no control over what happened with the coffee. How you reacted in those 5 seconds is what
caused your bad day. Here is what could have and should have happened.

Coffee splashes over you. Your daughter is about to cry. You gently say, "Its ok honey, you just need to be more careful next time".

Grabbing a towel, you rush upstairs. After grabbing a new shirt and your briefcase, you come back
down in time to look through the window and see your child getting on the bus. She turns and waves.

You arrive 5 minute s early and cheerfully greet the staff. Your boss comments on how good the day you are having.

Notice the difference?

Two different scenarios. Both started the same. Both ended different.


You really do not have any control over 10% of what happens. The other 90% was determined by
your reaction.

Here are some ways to apply the 90/10 principle.

If someone says something negative about you, do not be a sponge. Let the attack roll off like water on glass.

You do not have to let the negative comment affect you! React properly and it will not ruin your day.

A wrong reaction could result in losing a friend, being fired, getting stressed out etc.

How do you react if someone cuts you off in traffic?
• Do you lose your temper?
• Pound on the steering wheel? (A friend of mine had the steering wheel fall Off)
• Do you curse?
• Does your blood pressure skyrocket?
• Do you u try to bump them?

WHO CARES if you arrive ten seconds later at work? Why let the cars ruin your drive.

Remember the 90/10 principle, and do not worry about it.

You are told you lost your job. Why lose sleep and get irritated? It will work out. Use your worrying energy and time into finding another job.

The plane is late; it is going to mangle your schedule for the day. Why take out your frustration on the flight attendant? She has no control over what is going on. Use your time to study, get to know the other passenger.

Why are stressed out? It will just make things worse. Now you know the 90-10 principle. Apply it
and you will be amazed at the results. You will lose nothing if you try it.

The 90-10 principle is incredible. Very few know and apply this principle.

The result? Millions of people are suffering from undeserved stress, trials, problems and heartache.

We all must understand and apply the 90/10 principle.

Tuesday, May 12, 2009

Research-proven tips for a better memory

Normal age-related changes in the brain can slow some cognitive processes, making it a bit harder to learn new things quickly or to ward off distractions. The good news is that, thanks to decades of research, most of us can sharpen our minds with proven, do-it-yourself strategies. Here are some ways to boost your ability to remember as you age.

1. Believe in yourself.

Myths about aging can contribute to a failing memory. Middle-aged and older learners do worse on memory tasks when exposed to negative stereotypes about aging and memory, and better if exposed to messages about memory preservation into old age.

2. Economize your brain use.

Take advantage of calendars and planners, maps, shopping lists, file folders, and address books to keep routine information accessible. Designate a place at home for your glasses, keys, and other items you use frequently.

3. Organize your thoughts.

New information that’s broken into smaller chunks, such as the hyphenated sections of a phone or social security number, is easier to remember than a single long list, such as financial account numbers or the name of everyone in a classroom.

4. Use all your senses.

The more senses you use when you learn something, the more of your brain will be involved in retaining the memory. For example, odors are famous for conjuring memories from the distant past, especially those with strong emotional content, such as visits to a cookie-baking grandparent.

5. Expand your brain.

Widen the brain regions involved in learning by reading aloud, drawing a picture, or writing down the information you want to learn (even if you never look back at your notes). Just forming a visual image of something makes it easier to remember and understand; it forces you to make the information more precise.

6. Repeat after me.

When you want to remember something you have just heard or thought about, repeat it out loud. For example, if you’ve just been told someone’s name, use it when you speak with him or her: “So Rekha, where did you meet her?”

7. Space it out.

Instead of repeating something many times in a short period, as if you were cramming for an exam, re-study the essentials after increasingly longer periods of time — once an hour, then every few hours, then every day. Spacing out periods of study is particularly valuable when you are trying to master complicated information.

8. Challenge yourself.

Engaging in activities that require you to concentrate and tax your memory will help you maintain skills as you age. Discuss books, do crossword puzzles, try new recipes, travel, and undertake projects or hobbies that require skills you aren’t familiar or comfortable with.

Monday, May 11, 2009

How to Develop Better Concentration When Studying

Self-Help Information: How to Develop Better Concentration When Studying 

Think of concentration improvement as a three-step process:
1.Learn the causes of poor concentration and decide which apply to you.
2.Understand what you can do to control these factors.
3.Make your control habitual. Even if you lapse into old habits of distraction and daydreaming, keep insisting of yourself that you concentrate using these controls until you can routinely concentrate well on your studies for fifty minutes of every hour.
External Causes
Environmental distractions: TV, chairs that are too comfortable, snacks, other people, etc.
Leave or re-arrange a distracting environment. Go to a library or a classroom when you seriously intend to study.
Noise: Music with words, conversations
Train yourself to study away from others and in silence.

Internal Causes
Physical distractions: hunger, drowsiness.
Plan to study when you are most alert. Eat a high-protein snack. Do five minutes of light exercise to wake up.
Boredom, dislike, disinterest
Find a reason that satisfies you for taking the class; talk with other students and the professor.
Anxiety about studies
Make sure you know how to study effectively. Put the course in perspective.
Intimidating study tasks
Break up large tasks into achievable subtasks. Do the most intimidating task first. Give yourself rewards for progress.
Separate daydreams from studying. When your mind starts to wander, write down the interrupting thought and continue studying. Or, recall important points and then turn away from your book and continue to daydream. When you're ready to read again, do so. The trick is not to daydream and read at the same time.
Personal worries
Identify and define the problem and develop a concrete, specific plan to resolve personal worries. Talk with someone who can help: a friend, a counselor, or a specialist.
The art or practice of concentration, no matter if studying biology or playing pool, is to focus on the task at hand and eliminate distraction. We all have the ability to concentrate -- sometimes. Think of the times when you were "lost" in something you enjoy. But at other times your mind wanders from one thing to another. Your worries distract you. Outside distractions take you away before you know it. The material is boring, difficult, and/or not interesting to you.

These tips may help:

"Here I Study"

1.Get a dedicated space, chair, table, lighting and environment.
2.If you like music in the background, OK, but don't let it be a distraction.
3.Stick to a routine, efficient study schedule.
4.Accommodate your day/nighttime energy levels.
5.Before you begin studying, take a few minutes to summarize a few objectives, gather what you will need, and think of a general strategy of accomplishment.
6.Incentives and Rewards: Create an incentive or reward for successfully completing a task, such as calling a friend, a food treat, a walk, etc.
7.Change topics: Changing the subject you study every one to two hours for variety.
8.Vary your study activities: Alternate reading with more active learning exercises.
9.Ask yourself how you could increase your activity level while studying? Perhaps a group will be best? Creating study questions?
10.Take regular, scheduled breaks that fit you.

Be Here Now
This deceptively simple strategy is probably the most effective. When you notice your thoughts wandering astray, say to yourself, "Be here now," and gently bring your attention back to where you want it.

Worry or Think Time
Research has proven that people who use a worry time find themselves worrying 35 percent less of the time within four weeks. Set aside a specific time each day to think about the things that keep entering your mind and interfering with your concentration. When you become aware of a distracting thought, remind yourself that you have a special time to think about them.

Tallying Your Mental Wanderings
Have a 3 x 5-inch card handy. Draw two lines dividing the card into three sections. Label them "morning," "afternoon," and "evening." Each time your mind wanders make a tally in the appropriate section. Keep a card for each day. As your skills build, you'll see the number of tallies decrease.

Maximize Your Energy Level
When is your energy level at its highest? When are your low energy times? Study your most difficult courses at your high-energy times.

As an exercise before you begin studying, think of those times when concentration is not a problem for you--no matter what situation. Now try to feel or image yourself in that situation. Recapture that experience immediately before your studies by placing yourself in that moment.

Monday, May 4, 2009

Gone are the days!!
The school reopened in June,
And we settled in our new desks and

When we queued up in book depot,
And got our new books
and notes!

When we wanted two Sundays and no Mondays, yet
managed to line up daily for the morning prayers.
We learnt writing with
slates and pencils, and
Progressed To fountain pens and ball pens and then Micro tips!

When we began drawing with crayons and evolved to
Color pencils and finally sketch pens!

When we started calculating
first with tables and then with
Clarke's tables and advanced to
Calculators and computers!

When we chased one another in the
corridors in Intervals, and returned to the classrooms
Drenched in sweat!

When we had lunch in classrooms, corridors,
under the trees and even in cycle sheds!

When all the colors in the world,
Decorated the campus on the Second Saturdays!

When a single P.T. period in the week's Time Table,
Was awaited more eagerly than the monsoons!

When cricket was played with writing pads as bats,
And Neckties and socks rolled into balls!

When few played
"kabadi" and "Kho-Kho" in scorching sun,
While others simply played
"book cricket" in the
Confines of classroom!
Of fights but no conspiracies,
Of Competitions but seldom jealousy!

When we used to
watch Live Cricket telecast,
In the opposite house in Intervals and Lunch breaks!

When few rushed at 3:45 to
"Conquer" window seats in our School bus!
While few others had "Big Fun", "peppermint",
"kulfi", " milk ice !" and "sharbat !" at 4o Clock!

Gone are the days
Of Sports Day,
and the annual School Day ,
And the one-month long
preparations for them.

Gone are the days
Of the stressful Quarterly,
Half Yearly and Annual Exams, And the most
enjoyed holidays after them!

Gone are the days
Of tenth and twelfth standards, when
We Spent almost the whole year writing revision tests!
We learnt,
We enjoyed,
We played,
We won,
We lost,
We laughed,
We cried,
We fought,
We thought.
With so much fun in them, so many friends,
So much experience, all this and more!

Gone are the days
When we used
to talk for hours with our friends!
Now we don't have time to say a `Hi'!

Gone are the days
When we played games on the road!
Now we
Code on the road with laptop!

Gone are the days
When we saw stars
Shining at Night!
Now we see stars when our code doesn't Work!

Gone are the days
When we sat to chat with Friends on grounds!
Now we chat in chat rooms.....!

Gone are the days
Where we
studied just to pass!
Now we study to save our job!

Gone are the days
Where we had no money in our pockets and still fun filled on our hearts!!
Now we have the ATM as well as credit card but with an empty heart!!

Gone are the days
Where we shouted on the road!
Now we don't shout even at home

Gone are the days
Where we got lectures from all!
Now we give lectures to all... like the one I'm doing now....!!

Gone are the days
But not the memories, which will be
Lingering in our hearts for ever and ever and
Ever and ever and ever .....

Gone are the Days.... But still there are lot more Days to come in our Life!!

Monday, April 27, 2009

Drinking Water on Empty Stomach

It is popular in Japan today to drink water immediately after waking up every morning. Furthermore, scientific tests have proven  its value.. We publish below a description of use of water for our readers. For old and serious diseases as well as modern illnesses the water treatment had been found successful by a Japanese medical society as a 100% cure for the following diseases:
Headache, body ache, heart system, arthritis, fast heart beat, epilepsy, excess fatness, bronchitis asthma, TB, meningitis, kidney and urine diseases, vomiting, gastritis, diarrhea, piles, diabetes, constipation, all eye diseases, womb, cancer and menstrual disorders, ear nose and throat diseases.

1. As you wake up in the morning before brushing teeth, drink 4 x 160ml glasses of water
2. Brush and clean the mouth but do not eat or drink anything for 45 minute
3. After 45 minutes you may eat and drink as normal.
4. After 15 minutes of breakfast, lunch and dinner do not eat or drink anything for 2 hours
5. Those who are old or sick and are unable to drink 4 glasses of water at the beginning may commence by taking little water and gradually increase it to 4 glasses per day.
6. The above method of treatment will cure diseases of the sick and others can enjoy a healthy life..
The following list gives the number of days of treatment required to cure/control/reduce main diseases:
1. High Blood Pressure (30 days)
2. Gastric (10 days)
3. Diabetes (30 days)
4. Constipation (10 days)
5. Cancer (180 days)
6. TB (90 days)
7. Arthritis patients should follow the above treatment only for 3 days in the 1st week, and from 2nd  week onwards – daily.
This treatment method has no side effects, however at the commencement of treatment you may have to urinate a few times.
It is better if we continue this and make this procedure as a routine work in our life. Drink Water and Stay healthy and Active.

This makes sense. The Chinese and Japanese drink hot tea with their meals not cold water. Maybe it is time we adopt their drinking habit while eating!!! Nothing to lose, everything to gain.

For those who like to drink cold water, this article is applicable to you.

It is nice to have a cup of cold drink after a meal.  However, the cold water will solidify the oily stuff that you have just consumed. It will slow down the digestion.

Once this "sludge" reacts with the acid, it will break down and be absorbed by the intestine faster than the solid food.. It will line the intestine.

Very soon, this will turn into fats and lead to cancer. It is best to drink hot soup or warm water after a meal.
A serious note about heart attacks:
·        Women should know that not every heart attack symptom is going to be the left arm hurting,
·        Be aware of intense pain in the jaw line.
·        You may never have the first chest pain during the course of a heart attack.
·        Nausea and intense sweating are also common symptoms.
·        60% of people who have a heart attack while they are asleep do not wake up.
·        Pain in the jaw can wake you from a sound sleep.. Let's be careful and be aware..
"The more we know, the better chance we could survive...."

Sunday, April 26, 2009

U Can Win By Shiv Khera

Chapter 1 - Importance of building a positive attitude

* change focus, look for the positive
* make a habit of doing it now
* develop an attitude of gratitude
* build a positive self esteem
* stay away from negative influence
* learn to like the things that needs to be done
* start your day with a positive


1. Be so strong that nothing can disturb your peace of mind
2. Talk health, happiness and prosperity to everyone you meet
3. Make all your friends feel there is something in them
4. Look at the sunny side of everything
5. Think only of the best, work only for the best, and expect only the best
6. Be as enthusiastic about the success of others as you are about your own
7. Forget the mistakes of the past and press on to the greater achievements of the future.
8. Give everyone a smile
9. Spend so much time improving yourself that you have no time left to criticize others
10. Be too big for worry and too noble for anger.

The 5 Cs

* character
* commitment
* conviction
* courtesy
* courage

Chapter 2 - Success ; Winning strategies

Success is the progressive realization of a worthy goal

Qualities that makes a person successful

1. Desire
2. Commitment
3. Responsibility
4. Hard work
5. Character
6. Positive Believing
7. Give more than you get
8. The power of persistence
9. pride of performance
10. Be willing to be a Student - Get a mentor

Reasons for failure - Why we don't achieve excellence

1. Unwillingness to take risks
2. Lack of persistence
3. Instant gratification
4. Lack of priorities
5. Looking for shortcuts
6. Selfishness and greed
7. Lack of conviction
8. Lack of understanding of nature√Ęs law
9. Unwillingness to Plan and Prepare
10. Rationalizing
11. Not learning from past mistakes
12. Inability to recognize opportunity
13. Fear
14. Inability to Use Talent
15. Lack of Discipline
16. Poor self esteem
17. Lack of knowledge
18. Fatalistic attitude
19. Lack of purpose
20. Lack of courage

Crash course for success

* Play to win and not to lose
* Learn from other people's mistakes
* Associate with people of high moral character
* Give more than you get
* Don't look for something for nothing
* Always think long term
* Evaluate your strengths and build on them.
* Always keep the larger picture in mind when making a decision
* Never compromise your integrity

Chapter 3 : Motivation ; Motivating yourself and others everyday

1. Develop a sense of pride through training
2. Reward performance
3. Set well-defined, clear goals.
4. Set high expectations
5. Set clear, measurable benchmarks
6. Evaluate the needs of others
7. Make others part of your big picture. Set a good example by being a positive role model. Build the self-esteem of others.

Chapter 4 : Self-Esteem - Building a positive self-esteem and image

1. Read life stories of people who have turned negatives into positives. Make reading good books or listening to inspirational audio tapes part of your daily routine.
2. Regularly and systematically commit a portion of your time and/or money to charitable activity without any expectations in cash or kind.
3. Stay away from negative influence. Don't give into peer pressure
4. Practice giving and receiving sincere compliments graciously.
5. Start accepting responsibility for your behavior and actions
6. Practice self-discipline even when it is not comfortable.
7. Associate with people of high moral character
8. Be creative and find ways to turn your weaknesses into strengths
9. Practice patience; persevere if the results are not visible.

Chapter 5: Interpersonal Skills; Building a pleasant personality

Steps to building a positive personality

1. Accept responsibility
2. Consideration
3. Think win-win
4. Choose your words carefully
5. Don't criticize and complain
6. Smile and be kind
7. Put positive interpretation on other people√Ęs behavior
8. Be a good listener
9. Be enthusiastic
10. Give honest and sincere appreciation
11. When we make a mistake, we should accept it immediately and willingly
12. When the other person realizes and admits that he has made a mistake, congratulate him and give him a way out to save face
13. Discuss but don't argue
14. Don't gossip
15. Turn your promises into commitments
16. Be grateful but do not expect gratitude
17. Be dependable and practice loyalty
18. Avoid bearing grudges. Forgive and forget
19. Practice honesty, integrity and sincerity
20. Practice Humility
21. Be understanding and caring
22. Practice Courtesy on a daily basis
23. Develop a sense of humor
24. Don't be sarcastic and put others down
25. To have a friend, be a friend
26. Show empathy

Chapter 6 : Subconscious Mind And Habit; Building a pleasant personality

21 days of conscious effort to change for the better

Chapter 7: Goal Setting; Setting and Achieving your goals

1. Make definite goals
2. Write them down
3. Read your goals twice a day, morning and night
4. Make goals slightly out of reach but not out of sight
5. Check your progress periodically

Chapter 8 : Values and Vision; Doing the right thing for the right reason

7 deadly sins

1. Wealth without work
2. Pleasure without conscience
3. knowledge without character
4. commerce without morality
5. science without humanity
6. religion without sacrifice
7. politics without principle

What money will not buy

1. Amusement but not happiness
2. A bed but not sleep
3. Books but not wisdom
4. A clock but not time
5. Companions but not friends
6. Finery but not beauty
7. Food but not appetite
8. House but not home
9. Medicine but not health
10. Ring but not marriage

Commitment implies

1. Dependability
2. Reliability
3. Predictability
4. Consistency
5. Caring
6. Empathy
7. A sense of duty
8. Sincerity
9. Character
10. Integrity
11. Loyalty