Monday 30 May 2011

The Bad Credit People Have New Hope

Discussing about bad credit signature loans. it is of importance to bring forth the true meaning of signature loans But there are also a considerable number of people with bad credit history. The signature loans are provided on the basis of a signed activation letter in contrast to the conventional loans which require collateral for its approval. 

Signature loans for people with a good credit history are easily availed. The credit needs of people has made the lenders to offer bad credit signature loans and cater to them. Even these loans do not require a co-signer. 

Character loans are the other name for the signature loans. Borrower who had suffered form some financial problems in the past, many lending institutions offer bad credit personal signature loans with the aim of establishing the credentials. Credit unions and banks are the lending institutions. 

It might be that a person had managed his finances responsibly but situations had forced his credit score to move in a downward direction. But it is a bad credit personal signature loan that can establish a borrower's reputation in the credit market once more. In order for this to work, the borrower has to stick to the repayment schedule to achieve this. 

Consider the entire credit history of the borrowers in a detailed way to make sure that the outstanding problems have been solved, lenders offering bad credit personal signature loans. Getting qualified for the bad credit signature loans can help by solving problems of very important criterior. If a problem still exists, the borrower would be asked by the lender to re-apply after solving the problems. 
It is to be noted that a bad credit history remains reflected in a borrower's credit report for a period of 7 to 10 years even after the rectification of the problem. Also, the borrowers of bad credit personal signature loans have to pay at a higher interest rate than the borrowers availing a standard personal loan. Since these loans are provided, the lenders indeed take a risk in borrowing them these loans to the borrowers with negative financial history.

But these lenders also enjoy increased return on their investments for taking risks with their borrowers. It is a necessity for a borrower to obtain copies of his credit report from all three nationally recognized credit rating agencies namely Equifax, Experian and TransUnion. Low financial score for the borrower often results from inaccuracies in these credit report.

Mistakes from these low financial score results around 25 percent of cases. In great detail, a borrower should search for these inaccuracies in the reports. One has to correct these inaccuracies and he would find that his financial reporting score has increased within a small period of 30 days. It is very important to know that while conducting searches on the best deals of a bad credit signature loan in the credit market a person's financial score is a very useful negotiating instrument. 

Innovation Is A State Of Mind

You probably know the myth of innovation as a sudden flash of insight that comes from nowhere. We read about that "aha" moment, or that light bulb turning on in the mind of some inventor or innovator, and this is true to an extent. Einstein really did get flashes of insight while shaving in the morning. However, he was of course working on the particular problems he had insight into, and he didn't suddenly have ideas for new kitchen gadgets or movie plots.

Einsteins innovations, in other words, no matter how "sudden" the original ideas were, came from past and present mental work. It is like a singer who works at his craft for ten years and then becomes an "overnight success." Innovative people only have "sudden" new ideas because they have habitually worked and thought in certain ways for some time. If you want to become an innovative thinker, then, why not start cultivating those mental habits?

Mental Habits Lead To Innovation

Problems can be opportunities. "Problem" may have a negative connotations, such as being a hassle or stressful, but any problem can lead to an innovation that improves our lives. Not knowing the time lead to clocks small enough to put on our wrists. Nasty diseases lead to sanitary sewer systems. Start looking for opportunity in every problem. Even a mundane problem like not having enough storage space could lead to a new innovation. You may just build a plywood floor in the attic, but you could invent a new type of outdoor storage unit.


Innovation begins with understanding the key elements. Metal, wood or glass are not key elements of a door to an innovator. A way to get in, a way to keep others out - these are key elements. Begin with these, and soon you're imagining new ways to make a door. You could design a door that is opened by your voice (nice when your hands are full), or one that shuts and locks itself when anyone else approaches. Think of the key elements in things.

Attitude helps innovation. The creative problem-solving technique of concept-combination involves combining two ideas to see what new idea or product results. The crucial point is that you assume there will be a useful new idea. Starting with that assumption, your mind will work overtime to produce something. A shoe and a CD have nothing to do with each other, but it took just a minute to imagine a CD player with headphones that only plays the music correctly if a jogger maintains his ideal pace. When you assume there is something there you'll often find something.

Playfulness helps innovation. A playful mind is a creative mind, and while high IQ doesn't correlate with creativity, put it together with playfulness, and you have an Einstein. Remember, he imagined himself riding on a beam of light in order to arrive at his theory of relativity. Why not start playing with ideas and things, in your mind and in your surroundings. Innovation should be fun. 

Anger and Hurt; another lonely place!

Being human can really be challenging, to say the least. We feel emotions with every breath we take, every move we make. Some emotions are so sweet that we never want to lose that feeling. Other emotions cause us so much anger and hurt that we are paralyzed with pain.

Our minds use anger as a memory of a hurt that we have experienced. The memory is usually due to the fact that we neglected to express our hurt at the time for one reason or another. We tend to not show our anger or hurt because we do not want to cause a conflict or hurt another's feelings or ever admit those feelings. We also hang onto it because once we actually show we are angered, we are showing we are not perfect and that in fact we are human and can feel pain.

But if we continue to push away our feelings to protect our perfect selves, we become less real and less connected to people in our lives, without even realizing how far we are pushing them away. 

Protecting another person from our hurts or anger is only imprisoning ourselves, so that they will never be able to reach us. If we do this long enough we cannot find happiness anywhere. When we are questioned why we are upset, we can not even find the beginning to the hurt we have hidden. The longer we hide our hurts and anger the more confusing they become. Things get all tangled up and if we dare try to explain, we are totally speaking another language.

Have you ever been hurt by someone and then they make it impossible for you to explain why you are angered? Those people can do a lot of damage, they are controllers. When you can identify that type of person, only then can you fight back and tell them, "please just shut up and listen". If you want to be unhappy then keep hanging onto that hurt. It will definitely drag your self-esteem to the bottom.

Hurt is a pain of the moment and it is happening right now. Its reason is right there in front of you. You must deal with it or you will only hide it and end up alone in your prison of loneliness. The longer you hold back, the more angry you become with you, for not acting out. That's when guilt moves right on in and takes over, making you want to get even with that person. Your negative thoughts are seeded now and nothing feels good. Is this a good thing? NOT!!!


It is definitely not easy to risk being called oversensitive, or told that you are just causing a fight, or they just laugh you off like you are a child. You may even find that this person doesn`t really care about you. Better to find that out asap, don`t you think?

These FEELINGS of hurt and anger have a way of taking over our lives. Is it not better to let it out now than to live in an unhappy life of silence? Tell someone how you feel, when you feel it, or you will only lock those FEELINGS up inside you and trust me, you will lose yourself.

You may even hurt the one you love, but honesty is the best way. I believe that with a true love you should be able to tell that person anything and yes even if you feel hurt or angered by them.

Love conquers anger and hurt. It battles jealousy and helps lift you to a higher self-esteem!

To be truly happy and not endure the prisons of negative emotions, we need to be heard. We need to be understood. We need to be forgiven. We also need to be loved and cared for.

And my sweet readers, on that note, I will leave you with another tip to strengthen

your courage to keep climbing that mountain to a better you!



Take responsibility for your life.

You have the power to make things better.

And most importantly, you have a choice!

Healthy Skin Care Education in 3 Easy Steps

Most people are self conscious about their skin. Everyone wants their skin to look young and healthy, and will go to many lengths to protect our skin from anything in the environment that could harm it. Our skin is the largest organ in, or on, our body. It performs many functions, primarily serving as protections against foreign substances entering out body. It also serves as a transfer point for the release of toxins from our body, and keeps water inside, inside. These are just some of the reasons our skin needs to be protected and cared for. Everyone wants to obtain the flawless skin of today's models and celebrities, and here are some ways that you can achieve just that. 

Tip #1
Many experts say that exfoliating your skin is another great way to attain a beautiful skin. So, try to invest in a good body exfoliant or "loofah", as it is commonly called, as it is capable of eliminating the dead skin cells from your body. Accordingly, this should be done once or twice a week so to free the skin to breathe. What's more, exfoliants help to prevent ingrown hair from developing.

However, it is necessary to avoid using any body exfoliant on the skin on the face. The main reason for this precaution is that the facial tissue is more sensitive and finer than those tissues of the body.

Tip#2
Something you might not have considered to be beneficial to your skin, yet is key to maintain a healthy glow is drink lots of water. It is often said that the simplest way to clear and supple skin that is no longer dry is to drink plenty of water. Water has long been considered as the most effective natural treatment or an almost free treatment for any skin condition because of its being alkaline, with pH 7.3. It prevents dehydration which is capable of producing sebum or oil from the sebaceous glands. Your skin needs water in order for it to function best, thus doctors and nutritionists recommend that a daily intake of between 6 to 8 glasses of water per day is highly needed.

Tip#3
To maintain and achieve healthier skin you should also watch your diet. Nutrition plays a vital role in skin health too. Specific foods such as those acidic foods and dairy products are said to be potent in causing an allergic reaction in some people. Also, one of the widely debated topics in the area of nutrition today is chocolates. Some say that chocolate does affect the condition of the skin, while others say it doesn't. Whatever the result may be, the best recommendation is just to follow a nutritious diet that has a number of fresh fruits and green-leafy veggies, as well as fiber.






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Get Lucky

Ready to get lucky? There are many very specific techniques for generating luck in your life. One of the simplest is to just start looking for good luck. Yes, it really can be as simple as that.

Maybe you have noticed that when you buy a new car, you start to see similar cars all over? Of course they were there before, but now you are seeing them, because you are looking. It works this way with luck too. Start looking for luck and you'll find it. Start counting the ways you are already lucky, and you'll have even more luck.

Get Lucky Today

Some will tell you that God or the universe brings luck into your life once there's grattitude in your heart. It's a nice thought, but not my style. A less spiritual explanation is that when you acknowledge luck, and you look for more, you create a certain frame of mind. This frame of mind helps you take advantage of opportunities you might otherwise not recognize. 

For example, if you are looking for a job, and a friend mentions a new business in town that is hiring, you might usually think nothing of it. Now, if you were watching for luck, and grateful for the good luck you've seen in your life, you might be more likely to check it out, right. A few weeks later you may be working for this company, making more money and saying "Boy did I get lucky."

You've probably heard the saying, "If life gives you lemons, make lemonade?" This describes the frame of mind of a lucky person. Just seeing how lucky you are, even in small ways, makes the possibility of good luck more real to you, and this gets you watching. The watching gets you thinking, "How is this lucky for me? What can I do with this situation? How can I make lemonade from these lemons?"

Start counting the ways you are lucky in life, and the first thing you'll notice is that you feel better. A sense of gratitude is good for your soul, even if you're not religious. Start watching for more good luck, and it won't be your imagination when you start to get lucky. 

Eliminate Stress and Anxiety From Your LIfe--Become Resilient!

"We cannot solve problems by using the same kind of thinking we used when we created them."
-Albert Einstein

Each one of us has different levels of resiliency when it comes to dealing with our life situations. Do you need to learn some ways of becoming more resilient? Take this brief Stress Quiz and find out!

1. Do you worry constantly and cycle with negative self-talk?
2. Do you have difficulty concentrating?
3. Do you get mad and react easily?
4. Do you have recurring neck or headaches?
5. Do you grind your teeth?
6. Do you frequently feel overwhelmed, anxious or depressed?
7. Do you feed your stress with unhealthy habits-eating or drinking excessively, smoking, arguing, or avoiding yourself and life in other ways?

The most important first step in dealing with your stress is to accept and acknowledge that it is your emotional reaction to a situation or event in your life that causes your stress, not the situation itself. We cannot often do anything about the situation, but we can work with our reaction to the situation-this is where our power is!

I created the Snap Out Of It NOW! Method to help myself, and now you, to become more resilient and more creative. In other words, to learn how to interrupt and SNAP Out of the destructive cycle of emotional reactions that are engaged when faced with a difficult life situation.



The breath is your key to self-resiliency. The breath is your entry into your body-bringing light to the darkness, warmth to the coldness, and boundless possibilities for breaking free from your everyday reality.

The following exercise takes less than a minute and you can do it anywhere-at the grocery store, in your car during traffic, even in the middle of a fight or disagreement with another person. Sometimes just one single minute can be your best friend!

Launch Yourself to Places You Have Never Gone Before!

1. STOP, LOOK, and LISTEN-acknowledge you are stuck in a negative think-feeling pattern-you are stuck in a destructive cycle of reactions within your own body.
2. Become aware of your BREATH by listening to your breath going in and out your nose. Enter your body with your breath.
3. BREATHE to the negative feeling sensation in your body that is present wherever it may be, and as you exhale you are releasing the disharmony within your body. You are NOW free to deal with the situation in a creative new way!

You are shifting the state of your body and mind away from disharmony (frustration, anger, fear) back to its natural state of harmony (appreciation, love, joy)! Within this state of harmony you are more flexible, resilient, and creative. Is it not wonderful to have a tool that will launch you into possibilities you never saw before!

Sunday 29 May 2011

The Beauty Within....

It's not easy in today's society to truly feel beautiful. We as women are bombarded everywhere we turn by images and voices telling us we are imperfect creatures. Millions of dollars are made by various companies and advertisers telling us WE can achieve perfection via the purchase of some "beauty" product; eating or NOT eating certain foods, exercising with this piece of equipment or that one, camouflaging or uncovering certain body parts…Lord, it never ends. 


Unfortunately, for a vast number of women we 'buy' into it, literally. We spend dollar after dollar on cosmetic products that one by one pile up in our "make-up" drawer, exercise videos and exercise equipment by one 'perfect' physical specimen after another (who because of our hard-earned money can now afford liposuction), chemical processes and extensions in our hair to achieve the most "flattering' styles, we offer bodies up to the sacrificial alter of beauty to be plucked, waxed, shaved , exfoliated, nipped, tucked and for what? So we can continue to chase the always unattainable beauty ideal?

Don't get me wrong, I prefer to shave my legs, I wear nail polish and lipstick and make-up (when I know I'm going somewhere groovier than the grocery store), and I don't wear socks with sandals. But I'd like to think that if one day I awoke and couldn't wear one cosmetic product, relax my ethnic hair or lose that extra 5 lbs; I would know that I was still a beautiful woman. And extraneous physical accouterment's aside, I would not cease to be a lovely unique human being.


This is what concerns me now that I have a daughter. I look into the future and dread the day when she will come home crying (as many kids do) because someone at school told her she was ugly. As we all know kids can be cruel and most times they are repeating the things they hear and learn at home.

I would like to be able to not just tell her with my loving words but also show her by my life example that she is a beautiful girl. I want her to see that she is beautiful; not because of what she wears on her body, applies to her face or hair or by how much she weighs. I want my daughter to grow up with the knowledge that true beauty is what comes from inside and radiates outside in the acts of kindness and consideration you give to others, the way you love and respect yourself, the joy you take in sharing time with family and friends, and the sacrifices you make so that others can be happy. True beauty is loving yourself no matter what your shade, size, financial or educational situation. I hope as she grows up in this increasingly appearance obsessed world, that she can pass every reflection of herself with a smile of security and peace. I am only just reaching that place myself.

It has taken me many years of spending and self-doubt to finally realize that you cannot find in a bottle that which can only come from within.