Sunday, September 27, 2009

What Will Your Legacy Be

How many of us have ever wondered if we have made any difference in this world?

As in the words of the Lee Ann Womack song, remember, "as you move through the days and the years of your life, you do not go unnoticed. You leave a trail, impressions and footsteps, unquestionable proof that you existed in the live of those around you. If you ever think you've not made much of a difference in the world, you have to me." And, I thank you.

Many who accomplish something worth leaving behind start from humble beginnings.

Think about Mozart, who learned to play the piano at age 4 years. At age 5, he began composing music. By age 14, he had composed several instrumental and orchestral pieces. Although he died in poverty, he created over 600 works of music, which are studied and performed by musicians throughout the world. When Mozart dreamed, there were symphonies and concertos playing in his head, and that is something worth leaving behind.

Think about Da Vinci, who was born the illegitimate son of a peasant woman and an Italian merchant. He became a brilliant engineer, painter, and creator of masterpieces as a relatively young man. When Da Vinci dreamed he saw marble as beautiful sculpture. He looked at the walls of a church and saw The Last Supper. The looked at a blank canvas and saw the Mona Lisa. All of those were somethings worth leaving behind.

Now, think about Oseola Mc Carthy. Her formal education did not surpass grade six, although she knew education was vitally important to life. She was forced to drop out of school at a young age to help her family. She wanted to be a nurse, but spent her life working as a washer woman who saved a portion of her meager wages on a regular basis, enabling her to amass a tremendous savings, of which she donated $150,000, to a scholarship fund for students at the University of Southern Mississippi. When Ms. Mc Carthy dreamed she saw a future full of possibilities for young people to do even better than she did.

When I think of the gift I want to leave behind, I dream of a world full of beautiful colors, and shapes, and sizes, and sounds, and textures. My world is full of vibrant reds, and purples, and greens, and blues, and yellows; all mixing together to create a monage of endless patterns. When I think of something worth leaving behind, I reflect on all the experiences in my life that have left an indelible mark on my consciousness. I think of the time in basic training, when I had my hair beautifully styled by one of soldiers on my team that was a cosmetologist, and being sent out to the sawdust pit to "exercise," in the dark of night during a rainstorm in Fort Leonardwood, Missouri.

The exercise session began as I propped my chin up with my hands and tried to continuing rolling left and right, protecting my well coiffed hair. With the onslaught of front, back, go (ie, push-up, crunch, run-in-place) being wailed louder and louder from the drill sergeants standing in the staircase (some chuckling hysterically), the ridiculousness of me trying to save my hair from a certain drenching was laughable. That moment was meant to teach us to maintain a positive and fearless mental attitude, even in a time of stress.

When I think of something worth leaving behind, I can smell my late grandmother's coconut buns baking in the oven, or my mom's homemade bread and ice cream, or my dad's big pot of soup, made with last nights leftovers and anything else he found in the refrigerator.

I think of the beautiful paintings my brother has created that now adorn my walls.

I think of the egg cartoons another brother craftily sketched all over walls of the house we grew up in. Although this amused us, my mother did not find the jokes so funny.

I think of the quirky things some of my students do to imitate the people they love.

When I think of something worth leaving behind, I think of all the people surrounding me on a daily basis, and the great encouragement that we can give each other. I think of a world where people take stock of their talents and gifts, and find ways to share them with the world at-large. I think of a way to create the type of community where each of our world views can connect what is in our heads with what is in our hearts to leave a lasting impression on all.

Most importantly, when I think of something worth leaving behind, I think about the gifts that we can share with each other. That the seeds we plant and water with our words of encouragement become blessings. That feelings become songs. More than the tangible, time together becomes memories. Each of us has talents and gifts that are worth sharing, a diversity that truly makes this community so wonderful, and that is really something worth leaving behind. As you conclude this article, please take a moment to inventory your gifts and talents that you can share with the world and make sure to give generously of the gifts that have been bestowed upon you. This world can only be a better place, if everyone were to use their talents to the fullest. Take care of yourself and make a pact to make a difference.

Adrienne Vyfhuis is a motivational trainer, and creativity coach in the Washington, DC area, with a background in biomedical engineering and clinical psychology, who specializes in career and academic development with young adults and career professionals at all levels. She currently runs a training business and facilitates seminars on dreams development, self-motivation, discipline and staying focused. She has developed and facilitated hundreds of workshops around those topics and currently has several journals in publication which enhance her clients ability to record and continually improve their focus and life progression. She is particularly skilled in teaching parents and grandparents to work with developing the skills, and abilities of their children for life-long impact. Check the website at: http://5houserocks.com for more information.


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Friday, September 25, 2009

Know What to Look for in a Woman

Sometimes, knowing what you’re looking for in a woman can be quite difficult. And if you’re one of them, don’t get discouraged. It truly isn’t as difficult as you may think to find the right woman for you.

The very first thing you must do is resign to be very open-minded. You need to cast aside all the standards that you may have been using and start from scratch. Forget what all your buddies say is attractive. Never mind what you see in the lingerie commercials on television. You’ll want to start with the very basics of what makes two people compatible, not two lovers, but two people in general, in order to find what kind of person works for you.

In order to find out what you are really looking for in a woman, you need to take the time to consider the complete person, not just the body. You need to take into consideration things like personality, interests, ambition and then looks. You’re probably wondering why I listed those traits in the order I did.

If you consider looks first it will tend to cloud your judgment on all the other traits. Men tend to be very easily visually stimulated. For this reason, what excites them at first sight tends to be what they think they want.

However, if you consider what you want in the other areas, the looks may not be so important. You may find that a woman with a great personality that likes football and racing as much as you do and who takes her career as a human resources director seriously, but who happens to be a brunette with only an average build, would suit you just fine. Personality, intelligence, ambition, sense of humor and interests play a much bigger role in attraction than just physical appearance.


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Wednesday, September 16, 2009

Which Piano Purchasing Option is Right For You?

There are many purchase options which include renting, borrowing, using one at a local school or college, or even just using the piano your teacher provides, which means not practicing. Renting may be the best option if you cannot afford monthly payments on a more expensive payment or come up with the full amount.

Renting an acoustic piano is possible for under $100 a month and may be the best route for starting the piano. Grand pianos can get more pricey at $200 a month or more, while a keyboard may be the cheapest option for purchase or renting.

Some of the benefits of renting include:

-Testing out the piano before making a large financial decision.
-No long term commitment.
-Allows for piano practicing when you're living in a location that you don't plan on being in for a long period. Thus avoiding shipping costs which can be substantial, especially if you're moving abroad.
-Provides a solution for concerts to be held almost anywhere and is a great option for teachers who want to get creative with their recitals.

Some of the negatives of renting include:

-The condition of the piano may not be the greatest as it most likely has been played by several other pianists in the past.
-The choices are fairly limited so color, brands, and model may not meet your specific requirements.
-Renting is simply a bad financial decision if done in the long term.

In order to purchase a decent piano you'll have to make a significant financial decision. However, there are many options for those who are looking to purchase a piano. Below are some of the options that you will encounter when purchasing a piano.

Cash

As the saying goes "cash is king." This as true with piano sales as any other example. If you have several grand available this may be an option you are considering. However, keep in mind that if you pay cash for any investment you are foregoing what else that money could be used for. For example if you purchase a piano for $10,000 you could've invested that money and if your return on it, if invested, was 10% you could've made $1,000. If you have it invested in a piano you are foregoing that option. Keep this in mind when looking at piano financing options. If you can get financing for a cheaper rate than you can get a return on your dollar it may be best not to pay cash.

Equity Loan

If you are a homeowner or have assets that allow for a personal guarantee you could get a personal loan. Personal loans are typically paid back over shorter time periods and have competitive rates. If you have substantial equity in your home and very limited cash, consider this option.

Credit Cards

Depending on the price of the piano and the credit limit you currently have you may consider purchasing a piano with your credit card. Some credit cards offer cash back on purchase so you may even be able to get a percentage or two back when purchasing the piano.

If you can handle making the monthly payments or even paying cash after the credit card payment this may be a viable option for you. However, be smart about adding more debt to your situation as credit card rates can often be quite high. Be certain that you will be able to pay off the credit card in a short time period before you use it to purchase a piano.

Store provided financing

Some piano stores offer special financing to customers to help them purchase their piano. This may include interest free loans for a certain time period or lower interest rates so that they make a sale. If you can get an interest free loan without pre-payment penalties this is probably the best option. The reason being is that you can invest the cash you have today to make money via interest or investment returns while your piano costs stay the same. At the end of the interest free period pay off the loan before you get hit with higher interest rates. This strategy requires foresight and good financial management, but it the smartest way of purchasing a piano and utilizing the time value of money principle.

No matter what financing source you choose, when it comes time to make the final purchase make sure you get EVERYTHING in writing. Some stores will quote you a price including freight and tuning whereas others will itemize each service. However, even if it?s quoted, make sure it is in writing so you have a verifiable contract to refer to if there are any issues arise. Also, this is a good time to re-check your warranty and make sure it is valid in the country you are purchasing your piano.

For more information regarding pianos including free piano sheet music and a free piano buyers guide please visit http://www.freepianostuff.com


Discover online piano course reviews in the Play Piano Guide.

Tuesday, September 15, 2009

Hiring a Quality Home Movers

Moving from one dwelling place to another is a normal scene in Singapore. A number of occupants are not home owners. They are just tenants. The reason is that owning a house is not easy especially for non Singaporean citizens who obviously make up the lion's share of Singapore's manpower. Thus housing service is mostly on a yearly contract basis.

Given this real scenario and considering the volatile behavior of the real estate market, the demand for home movers is high in Singapore. While there are many service providers, it pays to do your job in screening out the most dependable home movers particularly if you are short of cash. And the necessity to make a good choice is paramount if you would like proper care on the manner your stuff are transported.

The rate of home movers in Singapore can be quite expensive. It may turn out to be much more costly later if you happen to hire unskilled home movers who can only mess up with your priceless stuffs. Other companies engaged in this service because it is good money and those duly registered and professionaly trained to give moving service. You definitely opt to engage home movers who can offer the best rate and the best service possible.

If there is one good venue to locate these movers in Singapore, it is through the internet. Check on ebay Singapore. Search using the keyword "Singapore home movers" and you can most likely generate a good search list. What makes ebay a good source of info is that you can refer to testimonials of previous clients. Yes, while these feedbacks are not 100% reliable you can have at the minimum an idea on the kind of service.

Also, online forums which are Singapore based in nature can give you some guide on home movers. Just concentrate on heavy traffic blogs and forums. Of course, not missing out the classifieds. Home movers tend to post ads on online classifieds because ad posting here for free, if not at a very minimal rate.

With your filtered list, you expect to tap the most reliable home movers in town which will give lesser hassle house moving service for you.


Here is a recommended Singapore Home Movers

Thursday, September 10, 2009

Option Trading Strategies Can Make Investing Safer

All Investments have some sort of risk involved, however, some of the risks of option trading are unique. Option trading strategies may allow the investor some control over the risk. Options allow the investor a chance to limit losses, hedge a long position or receive a premium. Here is a example of a strategy.

XYZ has a current market price of $9.80 per share. Sell the option for $.55 per share, or $55.00 per contract. The strike price would be $10.00 per share and the time frame would be for 1 month. Lets say you have 1,000 shares of this stock. You sell these one month options, 1,000 shares or 10 contracts and the stock closes below $10 per share at expiration, you would keep the $550 and also retain the stock, a 5.6% return. If the stock exceeded the $10 per share, your stock options would be exercised and you would receive 10,000, ($10 times 1,000 shares). But, since you only paid $9.80 per share, you would pick up an additional $.20 per share or $200, increasing your profit to$750,a 7.7% return. Now can you imagine doing this 12 times a year? Well that is how many times you can do it with any given stock. This would give the investor between 73% to 92% returns or better, with a minimum risk. Remember you are talking about 10 wins out of 10 tries, with minimal risk. If you stick to this system, it is possible to turn $10,000 in to $155,000 to $216,000 in only 5 years. That would generate a 5 year compounded return of 2,060% or an average annual return of 414%. (2,060% divided by 5) You may ask how can this be? Well it is because the income is compounded, and each year the base amount is increased by the prior years gains. Actually, these monthly gains can be reinvested immediately, resulting in potential higher returns. Option trading strategies can make investing safer.

No strategy works all the time, market conditions change and that can make a strategy perform poorly. So it is always better to have more than one strategy to use. Then when market conditions change you can use the strategy that works the best for that change. Option trading is risky but if you only have one strategy and the market is not right. Just stay on the sidelines until it comes back in your favor. That's why paper trading is so important. You have to test your strategies so you know when it is the right time to get in and out of the market. Option trading strategies can make investing safer and provide a great way to enter the market with a small amount of money and because of the leverage options have you can get a very good return on your money. It just takes a little knowledge and some discipline to meet your goals of becoming profitable trader.

If you want to learn to reduce risk and become more profitable visit us at http://www.conservativetrader.com for more information.


Emini Trading Strategies

30 Minute Emini Day Trading System

Wednesday, September 2, 2009

Choosing The Best Travel Cot

At www.smileybaby.co.uk you’ll find a wide range of travel cots, from Graco to Baby Dan, Disney to Hauck. Now this is not an exhaustive list and there are many more available on the market, but this gives a balanced range of travel cots to suit your needs.

The key things you need to consider when buying a travel cot include:

1. The Purpose of the Travel Cot – are you planning to transport it with you across the world on a weekly basis or is it merely going to sit at a friends or family members house for the odd occasion that you stay with them?

2. How heavy is the travel cot that you’re considering? Again the first point of how frequently you’re going to transport the cot from A to B comes into play here, as you need to consider how easy the travel cot is to transport.

3. How solid / robust is the travel cot you’re considering. You need to consider the purpose of the cot, along with the weight to ensure that the travel cot is robust enough for your needs.

4. What size of room are you looking to use the travel cot in, this will impact your choice of going for a mini or full size travel cot.

5. Are you looking for style? Graco travel cot and Baby Dan Travel Cots are pitched at the more style conscious parent, although the Graco travel cots tend to be a bit heavier than most, and you’re paying a bit of a premium for the name.

6. Are you looking for pure functionality as well as value for money, if so then the Hauck travel cots are robust, functional and weigh in at about 10kg.

7. Are you looking for more of a themed travel cot, such as Disney Characters or the Pooh Family?

8. What accessories do you want with the travel cot, such as portable mobile, adjustable basinet, built in nightlight, built in music player? The list of accessories is endless.

The most important things you need to consider are; what is the purpose of the travel cot, what size are you looking for and how heavy is the travel cot.

Claudia Nicoll is a mother of two, Toby and Joel, as well as a keen fitness enthusiast.

She also runs a website aimed at helping parents to local local baby and toddler activities in the UK - Visit http://www.busylittleones.co.uk


travel cot - baby travel crib