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Monday, 30 January 2012


If you want to enjoy your life out of spending, enjoy if you have you have your own resources and money.

But don't enjoy your life by becoming a debtor to somebody.

Of course in the modern world, there are many ways and means, which force you to become a debtor.

Attractive advertisements in the satellite TV force you to become a debtor. It tempts you to buy the modern amenities at any cost.

Even though if you don't have any money or resources it show you many resources for obtaining credit to buy that product. But you must think thousand times before becoming a debtor.

In today's world credit is the easily available commodity. Numerous companies are waiting to pull you in their trap. They are competing severely to pull you in their trap.

But you must be careful to entangle in that trap.

In spite of this caution if you are prepared to enjoy, then you won't get any pleasure, but you will lose your peace of mind.

Let us discuss about the common desire of everybody. It is natural that every body wants to have their own house. It is a reasonable desire.

But the desire can be attained if you have enough money on your own to buy the house.

If you are an executive working in a company what will be your thinking?

You will ready to apply for some loan and buy that house. You have decided and applied for a loan also and the loan has also been sanctioned.

You will ask the engineer to construct the house with in the sanction of loan.

The Engineer on seeing the plan will say "Sir, you are constructing house once in your lifetime, why such a low budget house, we can increase slightly your plan sir, it won't cost much only a 10% increase in your normal budget" he will tempt you.

By that time you will also have some Himalayan courage, and think why we can't adjust that 10% increase, ok we can adjust that 10% increase by obtaining loan from our relatives, and you give consent to the engineer's suggestion.

The Engineer will begin to build your house. The house is also going to be completed soon and only some finishing work is there.

You ask your engineer 'when can I take possession of the house', sir?

The engineer will politely tell you, Sir, there is a small problem, the problem is there is a sudden increase in the cost of materials, so I fear whether it is possible to complete the building what we have already planned.

But you are in the dream that the house should be constructed at any cost. So you don't bother about the resource to complete the house and prepared to arrange for the money required for completing the house.

What you will do. The next thing before you will be some bank balances available out of your savings and the jewels of your wife or your children.

So your savings, jewels will all go from you and fill the cashbox of another businessmen.

Your house will become ready finally. On seeing the house raised beautifully you forgot all the sources where the money came from to complete the house.

You will forget about the loan you obtained from your company.You will forget about the loan you obtained from your relatives.

You will forget about the erosion of your savings and jewels.

All these will come to your remembrance only when the company commences their recovery for the loan you obtained.

All these will come to your remembrance only when your relatives need the money they paid.

All these will come to your remembrance when you don't have enough money in your savings account for your urgent requirement.

Then your mind will think about the resource to fill up the deficit in the family budget, the loan to repay to your relatives and for your urgent requirement.

You will get easy resource to fill up this deficit, because you are working in a company, getting regular salary, higher salary. Companies are ready to give credit.

You are also ready to get credit from another company to fill up the deficit.

So you are ready to close the small debt pit, and begin to dig another debt pit, which is little more in size than the first pit.

The same deficit pressure mounts after some time. Again you are prepared to obtain loan from another company.

Now you dig another debt pit, which is more than the size of first and second debt pit.

Like this you will go on digging pit after closing the earlier pit to overcome your deficit.

Finally at one stage when you see the remaining pit, it will look like a deep pit, which you cannot fill it up from any source.

So the ultimate choice before you will be to dispose off the house and fill up the huge pit finally stands before you.

You have also made arrangements to dispose off the house.

One person came forward to buy the house. Even though the rate offered by him is not as expected by you, you have no other option except to get the money and fill it up the debt pit.

The house was finally sold off and you got the money. But while working out the amount you have to settle to your debtors, you need some more money.

However with the proceeds realized out of selling the house, you have settled most of the debt and still keep some portion of the debt.

You have lost all your savings, jewels, and other resources and still you have to settle more debts?

Where all of your money has gone?

It is no secret, most part of your debt were for the interest.

The interest made you to close one pit and dig another pit and finally you was let with a big pit with most part of the pit were for interest.

This is a common plight of most of the families especially in the middle class peoples.

The reason is due to their mental capability to enjoy all modern amenities without knowing their economic capability.

Enjoying the life is absolutely necessary but it should be from our own resources. We can enjoy the life but not on obtaining debt.

We have to increase our resources to enjoy the life. We should find out the opportunities to increase our resources and then think about enjoying the amenities.

Saturday, 14 January 2012


Backlinks are a highly important and necessary part of any successful website. Backlinks are essential for Search Engine Optimization (SEO) because they help to judge the popularity and importance of the website based on their backlinks to other sites. That is the main reason there are so many directories online. One well known directory is the Canadian Business Directory. Ca that is well known for accepting Canadian only businesses. You get listed and you get a backlink, simple as that.
Search engines use a number of standard criteria to rate sites on the web and backlinking is high on the list. Backlinks are actually rated by the various search engines by keywords and the content of the backlinked sites.

For example, if your site is about how to cook a hamburger, you would do better by linking to a site about recipes or food preparation than by linking to a site about downhill luging. Why? Because search engines actually cross check the content of not only the link, but the actual sites the link is connecting so they (search engines) can make sure the webmaster is not trying to gain higher SEO by doing things like running several unrelated sites at the same time and linking them together, using hidden links, or using automatically generated pages.

Backlinking is an effective way to generate website visits, but you have to understand that you site will not become popular overnight. Backlinking is a way of getting that needed traffic to your site and you have to do it correctly and smartly.
A great way to achieve visits is by linking to other similar or related sites to yours. For instance, let's use the hamburger example again. Sites you would want to link to would be sites for frying pans, barbeques, or sites that are associated with growing the cows.
By doing this, the search engines will pick up on the fact that you are using quality links that fit into the area of your site's expertise.
Another way to create strong backlinks is through hyperlinks. When you are creating your hyperlinks, don't simply put "Qlick here", use "Visit the tips page for hints on how to make the best hamburger." This will ensure your links are using the same terms as your site and those you backlink to.

Sunday, 8 January 2012

12 things happy people do differently.....

Express gratitude. – When you appreciate what you have, what you have appreciates in value. Kinda cool right? So basically, being grateful for the goodness that is already evident in your life will bring you a deeper sense of happiness. And that’s without having to go out and buy anything. It makes sense. We’re gonna have a hard time ever being happy if we aren’t thankful for what we already have.

Cultivate optimism. – Winners have the ability to manufacture their own optimism. No matter what the situation, the successful diva is the chick who will always find a way to put an optimistic spin on it. She knows failure only as an opportunity to grow and learn a new lesson from life. People who think optimistically see the world as a place packed with endless opportunities, especially in trying times.

Avoid over-thinking and social comparison. – Comparing yourself to someone else can be poisonous. If we’re somehow ‘better’ than the person that we’re comparing ourselves to, it gives us an unhealthy sense of superiority. Our ego inflates – KABOOM – our inner Kanye West comes out! If we’re ‘worse’ than the person that we’re comparing ourselves to, we usually discredit the hard work that we’ve done and dismiss all the progress that we’ve made. What I’ve found is that the majority of the time this type of social comparison doesn’t stem from a healthy place. If you feel called to compare yourself to something, compare yourself to an earlier version of yourself.

Practice acts of kindness. – Performing an act of kindness releases serotonin in your brain. (Serotonin is a substance that has TREMENDOUS health benefits, including making us feel more blissful.) Selflessly helping someone is a super powerful way to feel good inside. What’s even cooler about this kindness kick is that not only will you feel better, but so will people watching the act of kindness. How extraordinary is that? Bystanders will be blessed with a release of serotonin just by watching what’s going on. A side note is that the job of most anti-depressants is to release more serotonin. Move over Pfizer, kindness is kicking ass and taking names.

Nurture social relationships. – The happiest people on the planet are the ones who have deep, meaningful relationships. Did you know studies show that people’s mortality rates are DOUBLED when they’re lonely? WHOA! There’s a warm fuzzy feeling that comes from having an active circle of good friends who you can share your experiences with. We feel connected and a part of something more meaningful than our lonesome existence.

Develop strategies for coping. – How you respond to the ‘craptastic’ moments is what shapes your character. Sometimes crap happens – it’s inevitable. Forrest Gump knows the deal. It can be hard to come up with creative solutions in the moment when manure is making its way up toward the fan. It helps to have healthy strategies for coping pre-rehearsed, on-call, and in your arsenal at your disposal.

Learn to forgive. – Harboring feelings of hatred is horrible for your well-being. You see, your mind doesn’t know the difference between past and present emotion. When you ‘hate’ someone, and you’re continuously thinking about it, those negative emotions are eating away at your immune system. You put yourself in a state of suckerism (technical term) and it stays with you throughout your day.

Increase flow experiences. – Flow is a state in which it feels like time stands still. It’s when you’re so focused on what you’re doing that you become one with the task. Action and awareness are merged. You’re not hungry, sleepy, or emotional. You’re just completely engaged in the activity that you’re doing. Nothing is distracting you or competing for your focus.

Savor life’s joys. – Deep happiness cannot exist without slowing down to enjoy the joy. It’s easy in a world of wild stimuli and omnipresent movement to forget to embrace life’s enjoyable experiences. When we neglect to appreciate, we rob the moment of its magic. It’s the simple things in life that can be the most rewarding if we remember to fully experience them.

Commit to your goals. – Being wholeheartedly dedicated to doing something comes fully-equipped with an ineffable force. Magical things start happening when we commit ourselves to doing whatever it takes to get somewhere. When you’re fully committed to doing something, you have no choice but to do that thing. Counter-intuitively, having no option – where you can’t change your mind – subconsciously makes humans happier because they know part of their purpose.

Practice spirituality. – When we practice spirituality or religion, we recognize that life is bigger than us. We surrender the silly idea that we are the mightiest thing ever. It enables us to connect to the source of all creation and embrace a connectedness with everything that exists. Some of the most accomplished people I know feel that they’re here doing work they’re “called to do.”

Take care of your body. – Taking care of your body is crucial to being the happiest person you can be. If you don’t have your physical energy in good shape, then your mental energy (your focus), your emotional energy (your feelings), and your spiritual energy (your purpose) will all be negatively affected. Did you know that studies conducted on people who were clinically depressed showed that consistent exercise raises happiness levels just as much as Zoloft? Not only that, but here’s the double whammy… Six months later, the people who participated in exercise were less likely to relapse because they had a higher sense of self-accomplishment and self-worth.

Saturday, 7 January 2012

Enjoy financial independence

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Thursday, 5 January 2012

How To Finance An Investment Property

The secret in real estate business is to use other people's money. This is how most real estate tycoons are made. Unlike traditional residential real estate mortgages, real estate financing offers much broader financial options, including lending or financing from various financial institutions. Transactions like these call for above-average negotiation skills.

It's not advisable to invest your own money in a real estate as for a few very important reasons. First, you you tend to give most of your profits away by not leveraging your investment. Second, real estate is a very risky business – you don't want to jeopardize everything you have.

This is not to say that real estate investment is all about losses. On the contrary. if you know how to make money work for you, you may actually garner a great deal of money in return for your investment.

Here's how:

If, for example, you purchase a $100,000 property that increases an average of 7 percent per year (in reality that number could be higher or lower), you would see a net profit from renting your property resulting in an approximately 15 percent return.

If you're content with little return of investment, you might settle with your 15 percent return. But if you really want to earn on your investment, consider the possibility of what leveraging can do for you. At present, a typical real estate investor can find financing as high as 95 to 97 percent of the purchase price. There even some instances where you may be able to get a 100 percent financing but we won't use this for our example as it's an inadequate comparison.

So, if you're are an investor who is already content with a small return of investment then 15 percent sounds like a lot. But for those who really want to make it big in the real estate, 15 percent is far from being considered a noteworthy return.

How does leveraging work?

Let's assume that the rental income will cover all your expenses, including the mortgage payments. Taking the same example, a 7 percent appreciation of your property results in a $7,000 profit per year. With a 95% financing in place, you'll be able to get a $7,000 return on $5,000 (your 5 percent down payment on a $100,000 real estate property). This will provide you with a 140 percent return on your investment. Not only that, with the same $100,000 you can go out and purchase 20 investment properties, finance 95% percent of them, and make an amazing $140,000 profit a year. This totally beats the $15,000 profit with an all-cash transaction.

In terms of the additional 20 properties, expect to have a hard time getting financing for them since usually only five or six new rental property mortgages are the maximum that lenders presently allow. Which is why you need to have an above-average negotiation skills.

Tuesday, 3 January 2012

Watch television shows live from home

Watch television - Online IP TVConnect to 4000 Live TV channels from your computer. Not required of a television tuner or decoder. 100% legal - no subscription needed.

Watch television shows online from home. All you need is our IP television software, your PC, and online connection.

All you need is a computer, and ISP (Internet Service Provider) and our IP television software, which provides television channels. You can find not much free sites or you can purchase a service to join one of the many sites catering to that market. Most of your favorite channels will also allow you to download their content and watch them. If you did not see a part of your favorite show, don't give up, sometimes you can search it and watch it on the web.

Live television news is used primarily for major stories and local events. The foreign bureaus have been cut back for some time now, and the major events networks are relying mostly on 'stringers' for their foreign coverage. Live television news is not a cash making product for TV and is not expected to improve any time soon. Revenue trumps news, especially in todays competitive and down market due to the economy.

live TV is simply being able to connect to a broadcast in real time from anywhere around the world. Many of us discovered online Internet TV during this past election campaign when we were, as a nation, practically glued to some form of media in order to keep updated on the progress of the election. Some of us were acquainted to online Ip television because we found it was an perfect way not only to keep updated with the news, but also weather, and sport events.

Sunday, 1 January 2012

For Starter in blogging........

A blog is basically an online journal wherein you can pen down your thoughts, ideas, opinions and practically anything that you want people to read. Blogs come in different styles, formats, and settings, depending on the preference of the user. Many blogging sites, offer built in features such as hyperlink, straight texts, pictures etc. Some blogging sites, even allow you to put video and mp3's on your blogs.

Instead of writing texts, some bloggers choose to make their blogs more audio friendly, by using spoken word entries. This is called audio blogging.

Basically a blog contains these features:

title- which allows you to label your post
body- this is the content of your post
trackback- other sites can be linked back to your blog
permanent link- every article that you write has a URL
comments- this allow readers to post comments on your blog.

Anyone who wants to start a blog can do so by becoming a member of a blogging website of their choice. Once they've become members, they automatically become a part of that particular blogging community. They can browse through other bloggers pages, and link them back to their own blogs. They can also make comments on other members' blogs.

Blogging is not just limited to personal usage. There are a lot of blogs that follow a theme such as: sports, politics, philosophy, social commentary, etc. These blogs espouse on their specific themes. This way blogging becomes a medium in which people can share their knowledge and opinions about a variety of themes and topics.

Some bloggers even use their blogs as a means to advertise. Some authors advertise their books on their blogs. While other bloggers, use their blogs to shed light to currents issues, events, news and catastrophes.

Nowadays in education, blogs also play an important part. Professors use blogging to document the lessons that they have discussed and taught. This way, students who who have missed classes, can easily catch up with their assignments.

A lot of entrepreneurs benefit from blogging by promoting their businesses on their blogs, with millions and millions of people logging onto the net everyday, blogging has become a lucrative move. Some bloggers who run online businesses promote their merchandise online. While others profit through advertisement.

But by far, the most popular blog type is the one that takes the form of a personal journal. This is the kind that is usually used by first time bloggers. Individuals who want to document the daily struggle of their everyday lives, poems, rants, opinions, find that blogging offers them a medium in which to express themselves.

Bloggers usually communicate within themselves. This is one of the appeals of blogging. It creates a community of people sharing their ideas, thoughts, and comments with each other.

Blogs varying in topics, themes, and set-ups, can be found in blog directories. First time users who want to get an idea of what the blogging world is all about can browse through a number of blogs using these directories. This way they'd get an idea of what these blogging communities are like.

There are numerous blogging websites to choose from in the net. This give first time users the option of joining a blogging community that appeals to their interests.

Just search any blogging directory and you'd get a listing of a lot of blogging sites that are available on the net. It's easy to search a blogging directory, because it is organized according to category. This way you would get exactly what you are after. Blogging is really for everyone. It is simple and easy, but when u take it seriously then you have to take a lot of pain in order to let in the eyes of the search engines by seo .
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