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Last week, I had the privilege of leading a 4-day teleclass about creating reserves that will meet our needs and support our lives, forever! The goal was to create systems that automatically respond to everything that distracts, worries or confuses us, for the rest of our lives! (How’s that for thinking big?) When we are secure and our needs are met once and for all, we are free to live large, pursue our dreams and challenge life on our own terms.

While most of us worry about our shortage of time, money, or energy, and too often focus on working harder to get “enough”, these 20 people wanted to go beyond enough, and cruise right past “plenty” to create “Super-Reserves” - a lifetime supply - of all the things that are important to them!

In 4 days, we didn’t find all the answers, but we made extraordinary progress and I’d like to share some of my notes with you. There are five essential areas where we must create Super-Reserves if we are to get our needs met once and for all:

1. Space. If we don’t have enough space for ourselves, and an environment that supports us, we all become claustrophobic. In a “tight corner”, we get cranky, we become distracted, and lose efficiency. Most of us are not selfish enough about our space! Clean it up, get cabinets with doors, re-paint the walls and eliminate clutter to make your personal world a brighter place! Open the windows, play better music, get a laptop and work in the park! When we have enough quality space, life is better!

2. Boundaries. Once you’ve cleaned up and expanded your space, protect it! Put locks on your doors, get an answering machine, let people know where your boundaries are and be sure they respect them. Need a block of time for peaceful reflection? Set it aside and keep your promises to yourself! It is difficult to live well while permitting others to trespass on your time and space! I believe it was Gandhi who said, “Today I have so much to do, I must spend twice as much time in meditation.”

3. Self-Care. Vince Lombardi said, “Fatigue makes cowards of us all.” When we get enough rest, eat well, exercise for the joy of it (rather than “I HAVE TO DO THIS!”), and spend quality time with inspiring friends, we become far more aware of the opportunities around us. It takes a strong foundation to support a tall building…make sure your personal foundation can support your dreams!

4. Diversification. I used to be impressed with people who set goals and worked until they achieved them. While I appreciate the value of that approach, I am increasingly aware of the freedom and power that comes with variety. At any moment, have enough projects on the table that you can walk away from any one (or even several) of them, and still have wonderful, challenging and productive work to do. Being able to change our minds and respond quickly to a new, more exciting opportunity creates a tremendous sense of Super-Reserve! “Don’t put all your eggs in one basket.”

5. Have Stuff. One of the quickest ways to simplify your life and expand your Reserve is to buy in quantity, shop efficiently, and plan ahead. Having an extra roll of stamps on hand, a tank full of gas, or a case of toilet paper in the closet can prevent many of life’s everyday emergencies! For many of us, a pantry full of food and an extra hour in our daily schedule is a far more critical Reserve than thousands of dollars in our checkbook. Eliminate clutter; make room for plenty of the things you need!

My thanks to all of the participants in the class last week, and may you have a Wonder-FULL week!

© Copyright 2003 by Philip E. Humbert. All Rights Reserved. This article may be copied and used in your own newsletter or on your website as long as you include the following information: “Written by Dr. Philip E. Humbert, writer, speaker and success coach. Dr. Humbert has over 300 free articles, tools and resources for your success, including a great newsletter! It’s all on his website at: http://www.philiphumbert.com

The beautiful flowers, plants and trees in a garden increase the look and feel of the surroundings. But remember that all the plants want different care in different seasons and the need of all the plants is different. To increase the beauty of a garden we should be careful about them.

There is a difference between indoor plants and outdoor plants. So, one should know that the indoor houseplants and hanging baskets won’t need as much water in winters as they require in summers as compared to the outdoor plants, so only water when the soil is dry three inches under the surface. To prevent plants from becoming huge, limit them to one light feeding of fertilizer a month.

Watch your houseplants for insects. Check plants regularly for yellowing or discolored leaves. This condition is usually caused by over watering, but it could also indicate insects. Deformed plants and sticky deposits on leaves and stems could also be caused by insects. If you find insects, remove the plant to another area and treat the problem. There are numerous types of insects and other animals that can spell disaster for your plants. However, there are others that are essential for them to keep them healthy. Bees are vital for pollinating flowers and you should not kill them all.

A garden will look beautiful if it is clean, so we have to be very careful about the cleanliness. Keeping your gardens clean and free of debris and dead plants will help prevent insects and diseases in your garden. Pull up summer annuals and remove dead foliage from perennials. Keep the leaves raked and chop them up to add to the compost pile. Continue to water and turn your compost pile regularly when possible. Turn the soil in beds that don’t contain plants to expose weed seeds and soil-borne insects to weather and birds.

It is also essential to clean up your garden tools. Clean, sharp tools make you work easier Remove dirt and debris and oil wooden handles to help preserve them. Sharpen blades so your tools will be ready in the spring. If you take care of your plants and pay them the attention they deserve then your garden will give you many years of happiness. The hard work and effort you put in will be rewarded by the beauty of the plants in your garden.

D. Goldberg is the owner of Gardening
Advisor. Get gardening design tips and advice, garden supplies, gardening tools, ideas on composting, and a lot more.

Tell me, does this describe someone you know?

Some people who feel inferior use an addiction to try to overcome weaknesses, especially in times of increased stress or deep inner conflict. A person’s inner inferiority complex reveals itself in his or her actions such as addiction, drug abuse, alcohol abuse, child abuse, compulsive eating, blame and aggression among others.

No successful person desires a destructive addiction. What people who choose addiction or abuse really want is the power and ability to create better lives.

Fearing they do not have this power to improve their lives, you will hear these people use excuses and blame to justify their addiction and abuse and protect what little dignity they feel they have left.

If you find yourself or others dealing with addiction or abuse, instead of justifying or blaming, ask the following questions:

Do I really want healing and resolution for this addiction or abuse?

Am I willing to improve myself to achieve healing?

Do I realize I can’t control others? The only one I can control is me.

Am I willing to take the first step for myself and get rid of my addiction, abuse excuses, blame and other destructive habits to achieve peace and happiness?

Alcohol abuse and drug abuse are common crutches today. I have met many people who feel tongue-tied or awkward at social events. They find a few cocktails or beers “give them a lift” turning them from introvert to extrovert. There are many people who drink to feel better about themselves, even to the point of abuse or addiction.

For an article entitled Lori Prokop Interviews the Experts, one doctor said to me, “It’s sad but true. A seemingly innocent use of alcohol can quickly and easily become an addiction, especially if people perceive they are someway ‘improved’ when they drink.”

Alcohol abuse, drug abuse and any other addiction are serious forms of personal loss. The people, who depend on any exterior addiction or abuse rather than improving their perceived weaknesses and healing their pains, are beaten from the start.

Such a person can find healing. They must get rid of the addiction and abuse, find a healing system which works and resolve their fears and pains.

Learn how to heal abuse and create what you want in life. Lori Prokop of www.howtohealabuse.com shows how to heal the world and people in it. Resolve conflict without giving in. Have more love. Visit www.howtohealabuse.com for your FREE special report.

A US government small business loan is a great way for companies to receive financial help in beginning or maintaining a successful venture. These financial programs were created to help companies in the United States succeed in their endeavors. This does not mean, however, that everyone in the country will be granted US government small business loans. There is quite a lot of preparation and research that needs to go into the success of receiving this type of funding. “Be ye strong therefore, and let not your hands be weak: for your work shall be rewarded” (2 Chronicles 15:7).

An individuals first stop should be to the local chapter of the United States Small Business Administration (SBA) office. The SBA will be able to help the interested person understand everything about applying for US government small business loans. Organizations will have resources that will help the individual understand their finances and will even help them write a plan. This can be a great help if the person is just starting out and not sure what information is needed to get a US government small business loan.

Once a person gathers information about US government small business loans, they can start their plan of action. Individuals must make sure they have all written materials in line when applying for a US government small business loan. The last thing a person will want is to be denied simply because of insufficient documentation. They will need to provide financial statements for at least the past two years, which include incoming and outgoing money. When applying for this funding it is also important that the person have a clear definition of what the company is about. It is nice for lenders to see the organization is or can be profitable, but if they can’t get a clear picture of how this is or will be accomplished, they are likely to deny funding.

There are great opportunities for small companies to succeed through the help of a US government small business loan. If a person has the right documentation and the right attitude about a venture, there is a much better chance they will be accepted for any US government small business loans they apply for. Individuals must remember that assistance is available for businesses that will help the economy. Lenders, especially those working for United States government funding programs will look for the positive attributes that a company will bring to the surrounding areas economic growth and development.

For more information: http://www.onlinedebts.com

REAL VS. IMAGINARY MEMORY: - Research has developed a new lie detection method which could save billions of dollars and greatly minimize immoral incarceration of innocents through such travesties as the ‘jailhouse confessions’ created by police in L. A. which were exposed in 2003. It is not yet 100% accurate according to American Bar Association reports but it is awful close and one heck of a lot better than the court system which doesn’t have to be done away with, yet. Still in conjunction with truth serum and lie detection, innocent people could be saved the awesome social and other costs of being charged in cases that are uncertain (at a minimum this should be done).

The concept rests on a part of the brain that records a real memory and that includes physical memory that can’t be faked because it is outside the voluntary processes that a fraudulent person uses. We can imagine all kinds of uses of this machine that causes no damage to the brain. In areas such as mental health, relationship counseling and even workplace environments this could provide benefits and cost savings. McKnight’s ‘volunteerism’ that models the old extended family could work and has been able to work despite forces arraigned against him. The bureaucrats would never want to be asked whether or not they knew what they are talking about, though. For this and similar reasons such as politicians being asked to take this test by the electorate, we can visualize some hesitancy in making use of it.

Author of Diverse Druids

Columnist for The ES Press Magazine

Guest ‘expert’ at World-Mysteries.com

Are you not absolutely sure which sex lube to go for? Your questions may be answered in this super fruity lube guide.

Sex Lubes aren’t simply for romantic nights in. Getting lubed up for single fun is one of the most common uses for sex lubricants, massage oils and sex lotions. Using sex lubricant during one on one fun is safe, tremendous and practical. You yourself will want your dongs to enter and move as notably as possible.

If men are looking for a lube which is safe to try with all sensual aids stick to a water-based sex lubricant, there are lots of tasty sorts out there like lemon. And there are some that heat up.

Current users may already know what sex lube is most suited for them. But if you yourself are experiencing a lubricant for the 1st time Sex Bomb would like to recommend the following. It?s best to start off with a water-based fruity lube. Water-based lubricants do not stain and they are likewise totally safe to experiment on all double dildos. If you yourself want to try a water based lubricant for oral play we recommend you yourself get one of the rich strawberry flavoured ones. Anal devotees tend to go for heavier water based lube because these lubes are a little longer lasting. Remember, the more water based lubricant you apply the more fantastic sex you yourself can have. Male Sex Toys come in all shapes and sizes, check them out!

The medical phrase for baldness is alopecia. The very most common kind of baldness is male pattern baldness and hits regularly one third of males and females. This kind of baldness is naturally permanent.

Permanent hair loss comes in a variety of types. Male pattern baldness can start in the awfully early stages of a guys life, with hair loss beginning to happen as quickly as 19 years. The normal symptoms may include loss of hair follicles around the top part of the head and also at the forehead. The result might well be partial or full baldness.

Female pattern baldness is very similar to male pattern baldness resulting in permanent hair loss and baldness. This kind of hair loss is naturally developed after a girl gives birth to a child. The chemical imbalance generates hair loss although women do not ordinarily experience whole baldness.

The last sort of forever hair loss is by Cicatricial. This happens when inflammation in the scalp causes scaring and the hair follicles fall out permanently. The female will lose hair in random parts of the scalp, or even spread all over the scalp. For hair loss advice and treatments including laser visit Advanced Hair Studio.

With permanent hair loss the stunning solution for lots of females and males will be to visit a baldness centre in order to gain back hair follicles.

Many people make a major mistake when applying for a mortgage. They are so relieved to get the loan that they fail to pay attention to prepayment penalties in the loan documents.

Prepayment Penalties

With the refinance craze of the last few years, many borrowers have been surprised to find they are locked into their loan with prepayment penalties. Boiled down, these penalties require borrowers to pay fees if they pay off the loan prior to a certain point in time. By including such language in the loan documents, some lenders are trying to ensure they will recover a certain amount in interest on a loan as well as reach a certain maturity date on the loan. Lucky you.

Prepayment penalties come in a variety of forms. First and foremost, state law controls the amount and types of penalties that can be charged by a lender. Of course, this means each state has different laws and you should make sure you understand what can be done in yours.

As to the payments themselves, they typically come in two forms. The first is a percentage of the overall loan For instance, assume you have a $400,000 mortgage and the prepayment penalty is 3 percent. Your prepayment penalty will be $12,000. This is typically true even if you are selling your home because of financial difficulties.

In some states, prepayment penalties can come in the amount of interest to be charged over a period. Assume you are paying $2,000 a month in interest on your loan. The prepayment penalty may be something equal to 10 months of interest from the date of prepayment. Put another way, you are looking at a $20,000 prepayment penalty. Obviously, such a payment is going to be a dent in any profit you would pull from the home.

Lenders are not required to identify prepayment penalty language in loan documents. You absolutely must read your loan documents to make sure penalties aren’t included.

Prepayment penalties are not mandatory in loan documents. If a lender refuses to waive the penalties, make sure to shop around for a better deal. Don’t get pounded on the back end of the loan.

Sergio Haros is with Great Western Mortgage - San Diego Mortgage Brokers - providing San Diego home loans. Great Western Mortgage is a San Diego mortgage company writing San Diego mortgages and San Diego refinance and home equity loan.

By Conrad Bailey

If your company manufactures or sells industrial supplies, equipment or machinery, and you are the person responsible for sales, then undoubtedly, you know how competitive the industrial marketplace has become over the last few years - especially on a global scale. Because of this, the need to gain competitive advantages through profitable marketing innovation is greater today than ever before. A company can no longer ignore innovation if it expects to gain or maintain its competitive edge in the marketplace.

What Is Marketing Innovation?

Marketing innovation is when a company creates or discovers a unique way of promoting their products, not necessarily through an entirely new channel or medium, but certainly different
nonetheless. In many cases, marketing innovation can result from the integration of several existing resources and tools that can be utilized to help a company reach their target market in a more cost effective manner.

Marketing innovation does not just happen. It must be connected to competitive issues the company faces in the marketplace. It is these issues that impact a company’s bottom line as much as anything else, and if not addressed, through marketing innovation, it will spread like cancer eating away, piece by piece an organization’s existence.

Marketing innovation can only happen in an entrepreneurial climate which allows a person to unleash their creativity and spawn new ideas and strategic methods to reach their target audience. The task could be as simple as designing a more client centered Web site, or re-think pay-per-click strategies, or perhaps even re-define an entire marketing campaign.

The Mind Of A Marketing Innovator

In general, there is one path every marketing innovator takes, and it all starts with skepticism, a natural reaction when entering the unknown. Soon after skepticism follows enthusiasm because with focused effort you start to see the potential of your new marketing strategy. Thus, you excitedly start to put your plan into action. However, as weeks and perhaps months go by you start to realize that your idea will take more time and money than you initially expected…

You press on but still see no visible results. You begin to question if it’s worth it. You feel like giving up. It is at this point you have reached the dark night of the marketing innovator. At this stage is when most people give up on their new marketing plan. They take their losses and just move on in hopes of creating another, more profitable strategy. Ironically, they usually but unknowingly will return to the same path of resistance, and once again give up on their ideas only to find “better ones.”

In contrast, the marketing innovator that stays focused on his or her plan, despite the dark nights, will often start to see pay offs and thus, push further ahead. Even the slightest payoffs will significantly shift an innovator’s thoughts from despair to thinking it’s not a bad idea after all. The success itself is the driving force that will guide an innovator forward with more motivational energy than at any other point on the path of innovation.

The Co-op Industrial Advertising Network

One example of marketing innovation is the Co-Op Industrial Advertising Network which I partially created with the assistance of IndustrialLeaders.com, a Global Industrial Supply Directory. Together, we’ve designed an innovative but yet practical lead generation program for manufacturers and suppliers of industrial products. Moreover, the entire program is free.

The Co-Op Industrial Advertising Network is a Web based industrial marketing program which was founded on the principle that generating pre-qualified sales opportunities for your company is more important than generating traffic to your Web site. The Co-Op Industrial Advertising Network does generate traffic, but emphasis is primarily on increasing sales opportunities for members.

What makes the Co-Op Industrial Advertising Network unique is you don’t have to offer or share any ad space on your Web site. The reason is because we create for each member a fully optimized Presell page which is hosted by us and accessible across our entire network by utilizing an in-house linking system. Therefore, members automatically share traffic and sales opportunities with one another in a completely effortless manner - and without exchanging ads. It is a very effective and popular coop advertising program.

Some Last Words About Marketing Innovation

Don’t wait for innovative marketing opportunities to arise - create them. To do that you must leave behind specialized thinking when it comes to marketing, which traps you in a rut mode. You must determine you are ready for marketing innovation and focus on how you can reach your target audience more productively. You should expect and be prepared for obstacles to arise within the marketplace as well as within yourself. Remember, the greatest and most memorable marketing accomplishments were due to someone taking a big risk. With proper research and various testing of different ideas, you can eliminate most and sometimes even all of the risk and prosper substantially.

About The Author

Conrad Bailey is co-founder and vice president of www.IndustrialLeaders.com, and author of the popular Co-Op Industrial Advertising Blog at: http://www.IndustrialLeaders.com/blog/

www.IndustrialLeaders.com

Custom die cutting provides the right shape for any application. It is mainly used in the making of coins and medals. Also, it is used in industrial applications such as the production of polystyrene, polyurethane and polyethylene foam products. Custom die cutting offers freedom to meet exact needs. The cost of custom die cutting depends on the shape, style, and variety of the application. For custom die cutting, the process that is applied is steel rule die and precision die cutting, water-jet cutting, kiss-cutting, laser cutting and shearing. Custom die cutting needs extensive technical knowledge and a wealth of experience. Most die cutting is in fact custom, which makes the trade a highly specialized industry indeed.

Custom die cutting is also useful to create perfect custom label styles. To cut out label shapes into the label stock, custom dies are used. Products such as spacers, felt, masking devices, shims, insulators and gaskets are also created through custom die cutting. The materials used for this process include foil, thin film, foam products and paper. Custom die cutting is available for soft, non-metallic goods such as rubber, plastics, sponge, non-asbestos substances and foam. Die cut tape is another product of custom die cutting.

A high degree of accuracy and premium quality are the major features of custom die cutting. Capabilities of custom die cutting include surface enhancements, slitting, coating of pressure sensitive adhesives, laminating and flat cutting. Cutting of non-metallic materials such as cloth, cork, chipboard, fiber, rubber, Teflon and rayon are available.