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  1. A Silly Question Worth Serious Thought - Do You Want To Be Rich?
    That sounds ridiculous. Of course you'd like to be rich, wouldn't everybody? But do you really? Your words might say you do, but our thoughts and actions very often say something entirely different. What am I getting at? Well...If you are still doing things the same way you've always done things, then reading this could be the most important thing you do all year. Why? Because your thoughts and actions can be the fuel you need to get your busines…


  2. Making Changes in Your Personal Life
    Making changes in your personal life can be a tough process. Change starts with a thought. It cannot begin without one. However, what we think and dream is not always what those around us choose to envision for us. Why do I bring this up? Because I know first hand that when people try to make changes there are often nay-sayers hanging around. There will always be people expressing their negative responses as reasons why you can’t do something tha…


  3. Planning on Doing Some International Travel Over the Holidays?
    [shudder]. No really, a little EQ - managing the attitude, and using the ole noggin' can make it almost pleasant!1. Pack your patience and your Emotional Intelligence.Turn down the emotions, turn up the forethought. Example - research your destination on the Internet prior for websites where individuals (not paid interests) can tell you what you can ^anticipate^.2. Pre-arrange everything you possibly can – air, hotel, car, restaurant, attraction…


  4. Are You (or are you with) A "Commitment-Phobe"?
    We hear it all the time. 'He just won't make a commitment.' 'She just wants some space right now.' 'I'm not sure if I'm ready for a serious relationship.'What does having a fear of commitment really mean? Actually, it means basically what it says. For SOME reason you, or someone you are involved with, isn't ready to take this relationship (or any relationship) to the next step.So how do we know if we or our (hoped for) partner are truly afraid of…


  5. BE TRUSTWORTHY
    How do you approach the people and situations in your life? Do you expecteach person you meet to be trustworthy? Do you expect a positive outcomefrom each situation? Do you accord yourself love, respect and approval forwho you are right this minute? Deciding to live from a place of acceptanceand expectation of good seems to me to be 'throwing your heart out in frontof you'. If you expect to get hurt, it is likely it will be so. If youexpect to fa…


  6. Organizing and Cleaning-up Your Electronic Address Book
    Organizing and Cleaning-up Your Electronic Address BookBy: Janet L. Hall(Editors Note: This article includes instructions for Outlook Express, Netscape Communicator, AOL, and ACT! users).Has your online address book become unmanageable?Do you ever look at all the email addresses and wonder, 'Who are all these people?'Do you have difficulty locating someone in your address book that you need to send mail to NOW?Do you know you can sort your addres…


  7. The Top 10 Signs of a Sure Loser!.....or How to weed out your worst enemies within!
    This article is actually a part of what I call my 'Hot Sheet'. Let me Explain. Whenever I am doing a consulting contract offline you will 'always' (and I do mean always) find me with a clipboard in my hand when I am on-site. I am forever taking notes about every little thing. When I sit down at night, I recompile my notes into a viable and legible outline. As I am taking my notes I start categorizing the 'Loser List' and the 'Winner's Circle'. Th…


  8. "Smooth Move"--Tips and Techniques to Make Your Move as Painless as Possible
    Whether you are moving around the block, across the country or just packing Junior off to college, the entire moving experience is one of the most difficult events of modern living. According to Joe Harrison, president of the American Moving and Storage Association, 'Research tells us that moving is usually one of the most stressful events in a person's life, ranked as high as the death of a loved one or a divorce.' Moving is tiring, complex, an…


  9. Your mid-year checkup: Get savvy about lowering your taxes
    Are you still owing the IRS in taxes every year?Not a great situation to be in, is it? But there is still hope for this year. You have almost six months, in some cases a little longer, to make certain you owe less tax, and possibly no tax, next year.Here's a blueprint that outlines the keys to lowering your taxes and remaining audit proof. Follow these keys and you're guaranteed to lower your taxes by hundreds, if not thousands, of dollars!Key #1…


  10. How to Find the Perfect Swimsuit for Your Body Type
    Finding the best swimsuit is something that we all struggle with! Who hasn't tried on every style and tried to figure out which ones are the best and hide a little of this or that? This article will take the guess work out of shopping and make finding that perfect fit happen a little easier. Think of al the time you'll save in the dressing room next time your shopping.The first thing to do if you are shopping for a swimsuit is to identify your bo…


  11. The hidden costs of Calling cards
    You may be aware of the many choices you have when buying a calling card. However, have you considered the truthfulness of the claims that some companies will make in order to get a competitive edge? Are you aware of the tricks that are played and the hidden charges that are made?The minutes that a calling card will offer may look good but did you know that even if you were to make one continuous call, then most companies would steal between 10% …


  12. Two Can Live More Cheaply Than One ~ Consider a Roommate
    If living expenses are eating up your budget, one of the most popular solutions is to find one or more roommates to share them. Rent for a multiple-bedroom apartment is usually not significantly higher than that of a single bedroom or studio unit. So actually, with a roommate to share the expenses, you're able to live much more cheaply. There are many places where you can find people who are also looking for roommates. Check the classified sect…


  13. Are people using e-cards to say important things in life situations?
    Are people using e-cards to say important things in life situations? The answer is yes, says things-to-say.com. things-to-say.com is a greeting card site that offers various things to say in life situations. The most popular category on this site is Love and Romance Situations. People are eating this up. A greeting card that says it all -- what a better way to ask for someone's hand in marriage. It works, people are even responding to the marriag…


  14. The Seven Sisters of Success
    I recently had a chance to interview several groups of extremely successful people. A handful are famous athletes, several are nationally known artists, writers or politicians, and all are multi-millionaires. I asked themfor the keys, or essential factors that allowed them toaccomplish so much more than the rest of us.Their answers included a wide variety of specifics, but to an astonishing degree, 7 items came up in every discussion. I've called…


  15. What is the best electronic su doku game on the market?
    Electronic handheld su doku games present a format in which the consumer can have a virtually unlimited amount of fresh su doku puzzles in a highly portable package. We set out to answer the question: where is the consumer's $20-$30 best spent on getting their su doku fix? The vast majority of the su doku models out there are very similar: most companies like the multi-button unit that resembles a Nintendo Game Boy. But the problem we found is th…


  16. Out with the Old
    Think back to a situation where you felt resentful. Or think back to the last time your heart was broken. The next time you encounter a similar situation, will you be free to choose how you act, or will you instead automatically attempt to protect yourself? If you are like most people, the latter is true. And why wouldn't you protect yourself if you see hurt coming, right?Focusing your attention on self-protection prevents you from being fully pr…


  17. Easy Resolutions
    New Year's Eve is the traditional time to make resolutions for the upcoming year. Most resolutions are about something we really, really want. Even if you are not the type who makes New Year's resolutions, notice that somewhere, quietly, in the back of your mind, you are probably making one anyway.The problem with resolutions, though, is that most people never keep theirs. And it's no surprise why. Most of us resolve for big things -- lose weight…


  18. Some Tips on Time Management - How to Better Manage
    DECISION GUIDEAsk yourself:1. Does what I am doing add value to my life (and times of pure fun and relaxation are essential too)?2. What will happen if I don't do it?3. Can I delegate it?4. Can I spend less time on it? TIME WASTERS1. Telephone Interruptions2. Drop-in Visitors3. Meetings4. Crisis Management5. Lack of Objectives, Priorities a Daily plan6. Cluttered Desk, Personal Disorganisation.7. Ineffective Delegation8. Attempting too Much at O…


  19. Getting Startrd: Creating a Business Plan
    Getting Started: Creating a Business Plan By Andria Duer You're excited. You have a great idea for a profitable online business. Maybe it is an original idea that has not been marketed online before. Maybe you have come up with a new spin on the ordinary. Whatever it is that has influenced you to start your online business, be sure that you have a plan before you begin. This is not the time to 'pick it up as you go'. These are some basic t…


  20. Just Say "No"
    I used to put everyone else’s requests and needs first andif there was any time left over at the end of the day for what I neededand wanted to do, that was acceptable. That is until I began to realizethat if you and I are going to be effective time managers, we have tostay away from allocating our time solely on the basis of those who demandit. Instead, if you and I are going to be effective time managers, wehave to allocate our time on the basis…



  21. Article Index: | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15| 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57

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1. What is a "Simultaneous Second Mortgage?"
Here is some more useful information I picked up for everyone to take a look at, hope you get some use from it.The Simultaneous Second Mortgage is originated and closed in conjunction with a first mortgage to purchase and/or refinance a home.So Who is The Target market?You! The borrower that is seeking a lower payment than a high-LTV first mortgage and the simplicity of one loan closing.What's in it for The Bank?1. One-stop secondary marketing ou…

2. Stress Lessons From A Tea-pot
Have you ever put water into a teapot to make tea before? Do you stop and think about what happens when you do? Like most of us, I'm sure you don't even give it a second thought, but let's examine it a bit.First, you pour cold water into the teapot, cover it, turn on the stove, and leave. What happens next is interesting. As the water beings to heat, the molecules in it begin to move faster and faster until the water begins to boil.Next, the stea…

3. Baby Shower Game Ideas
To make a baby shower more entertaining to the guests, you can prepare small games that can be participated by some volunteers or all of the guests. This can be done as icebreakers or during the time when the mother is opening the presents. After somebody has won a game, you can prepare small tokens as their prize. These tokens need not be expensive; it can be chocolate bar, candle or anything to remind the winner of his or her successful partici…

4. Mentors Around Every Corner
Do you have a library card? At this point you're probably asking yourself how in the world this is possibly going to translate into a commentary on self-improvement. Bear with me on this because it's going to fit together I assure you.Sadly, if you're like most folks you don't have one. Not only that, you might not even remember the last time you took advantage of these incredible repositories of knowledge. In actuality the word incredible is a g…