Folksonomics

March 31st, 2009

Advance Loans

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A loan borrowed against a document signed to the lender or by using your credit card is known an advance loans. In this the borrower borrows the money from the lender against the signed document, which states the actual time and amount he is going to repay to the lender at the fixed time. The borrowed loan is usually against the higher rate of interest, which sometime proves to be very dangerous for your financial stature. It is said that these advance loans give a dealt blow to the finances, as they have to pay higher amount in comparison to the borrowed money. Nowadays you can get the advance loan approved in no time as now you can find various online advance loans offering websites. Usual time offered for the advance loans generally run from two to three weeks depending upon the borrowed amount and the lender’s policies.

They are mainly for short-term period and are also known as unsecured loan and the usual amount borrowed normally ranges from $100 to $1000. Nowadays with the advent of Internet advance loans have become far easier as now you can get the loan deposited in your bank within 24 hours. Where this facility helps you out from the trouble water, then it also traps you in its vicious circle. Many people use advance loans in order to avoid bouncing of checks, avoiding late payments and even paying credit card balance. It means they are the ready cash available at your service anytime you wish to. But few financial experts feel that advance loans should be avoided, as they tend to hamper your financial status and can lead you to the road of piled up debt. So it is wise to keep it as your last option available in case of emergency rather keeping it your first preference.

So whenever you need urgent cash for paying the credit card payment or even for buying something very urgent simply fill in the online form or contact the local lender offering advance loan.

The author is budding web content writer and has much experience in writing quality content for many websites. You can view his blog for more information.

March 30th, 2009

What You Need to Know to About Your Mortgage Transaction

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The Roles of A Mortgage Lender, Broker and Sales Agent

Buying a home can be an exciting but confusing event, especially if it is your very first time. There are so many options for sales agents, brokers, mortgage lenders, types of mortgages and mortgage rates. It can be difficult understanding all the changing real estate information that seems to constantly be influx.

It is not expected of a person to be completely knowledgeable in real estate and the changing market when they are not involved in it on a daily basis. And when you buy a home sometimes only once or twice in your lifetime, of course you may not be apprised of new real estate laws, mortgage rates and what the responsibilities are of agents brokers and mortgage lenders.

In order to have a great experience buying a home and getting the most out of your transaction, it is in your best interest to know exactly what a real estate agent, broker and lender do, and how they make your purchase happen.

If you are knowledgeable about the real estate market, know where to find good listings of the type of home you want to buy within your price range, and have access to money and a good interest rate, than perhaps utilizing the services of a sales agent or broker may not be needed. However, if you do need assistance, then the services of a real estate sale agent and broker may be the right choice you. Let’s take look at real estate brokers and sales agents, and how they can help you find the property that is right for you.

Real estate sales agents are simply an extension of a real estate broker. The broker actually hires a sales agent, as just that, an agent to show his or her listing to home buyers. (Both must be licensed with the state by taking a rigorous exam.) The broker is responsible for everything that the agent does, because the agent is by law, acting as the broker. A broker may have one, two, or dozens of real estate agents, depending on how big the business is, how many offices the broker might have, and how many cities the broker occupies.

Real estate agents and brokers are really capable of doing the same job when it comes to the front of house of the business. They both must be knowledgeable about their specific real estate communities with such information such as zoning, neighborhoods, tax laws, and where to obtain financing.

Real estate agents and brokers may have specialized knowledge if they work in other than the residential genre. For example, they may sell commercial, industrial or agricultural properties and they must have information specific to their clientele.

Both sales agents and brokers are capable of showing the listings that the broker has been contracted by the seller to sell. However, because the broker has additional duties in the back of house of the business, the sales agent usually assumes the responsibility of showing potential buyers the homes, finding the type of house they are looking for and can afford.

The sales agent and broker work together to find a buyer for a property that is listed with them. For this reason, the broker will give a percentage of the commission, the money paid to the broker by either the buyer or the seller for his or her services, to the sales agent. Commissions may vary and are not contracted according to the law. A commission is often a percentage of the total price of the house being bought. So generally speaking, the more expensive the house, the higher the commission.

For a broker, in addition to assuming these responsibilities in the absence of a sales agent, the broker must arrange meetings between the buyers and sellers until the new owner takes possession, arrange for title searches, list properties for sale, advertise these properties, supervise agents, offices and advertising, and compare properties with similar listings to determine a market price for the properties under his or her listing.

Even with all these responsibilities as a broker, the biggest difference between a sales agent and broker is the fact that the broker can be responsible for arranging financing for the buyer. The buyer has a choice to either find and obtain financing himself, or have the broker do it for him. Either way, the broker is still responsible for arranging the transaction between the buyer, seller and lender, despite who found the financing.

Before, during, and up to the close of escrow, the broker must disclose all information about a property to both the buyer and seller. The broker is responsible for checking all visible aspects of the house in order to assure maintenance and upkeep of a property. If there are any problems or concerns with the property, even if the seller did not disclose to the broker, the broker must notify both the buyer and seller immediately. This assures the buyer that he knows all information about the property. Otherwise, if an offer is made, the buyer can pull out of a transaction without any repercussions.

The broker is also responsible for making sure all of the terms of a contract are met before the closing date. This includes home and termite inspections, environmental regulations, and any repairs, upgrades or changes to the property as agreed to by the seller. The broker must make sure that the binding terms are carried out.

When the broker is working a specific deal, he has many choices of where to obtain financing for the buyer. There are many options for mortgage lenders, or those who loan the money to the buyer to purchase the property. Mortgage lenders may be thrift institutions <http://www.ftc.gov/bcp/conline/pubs/homes/bestmorg.htm>, commercial banks, mortgage companies, credit unions, and even personal entities. Depending on the type of lender, type of loan, and personal financial situation, the current market, and city the property is being purchased in, quotes can greatly differ on a case by case basis.

A broker is usually helpful in looking at these variables and will be knowledgeable in where the buyer can obtain the best loan at the lowest rate possible. It would be difficult for a buyer to be aware of, have access to and shop many different financial institutions to determine what the best loan is. Buyers find brokers very useful in this area because they have contacts and information that the buyer would not.

Sales agents, brokers and mortgage lenders can make purchasing a property go very smoothly and save both the seller and buyer a lot of time, energy and money. Because the sales agent and broker are working for and in the best interest of the buyer, these transactions can be a great experience and make everyone happy, especially the new home buyer.

If you feel that the services of a broker and agent are right for you, then be sure to ask around your community and get references from several brokers you may consider doing business with. Always check licenses and verify that they are legally capable of handling your transaction. You are more likely to enjoy the house buying experience if you are working with someone who is looking out for you and is very knowledgeable in your community.

John R Blakefield is a mortgage and real estate specialist. For more information, articles, news, tools and valuable resources on home mortgages or investment loans, refinancing, debt solutions, visit this site: http://www.scourtheweb.com/mortgage.

March 28th, 2009

Marriage: Learning to Love

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My daughter was recently in her school’s performance of Fiddler On The Roof. She was one of the daughters. If you don’t know the story, it focuses on the changing culture of marriage, from one where the marriage is arrainged by family and community to one based on mutual attraction.

In one of the songs, the main character asks his wife if she loves him. She replies that for 25 years, she has shared his bed, made his meals, tended his house, raised his children — so what kind of question is that? The point is that in their relationship, love wasn’t even a question or consideration. But after some back-and-forth, they decide that, indeed, they love each other.

This led me to think about what I know about marriage. And here is what I think about the question of love and marriage: we fall in love to get together, then spend the rest of our lives learning to love the other.

You see, the initial attraction is really about “I.” “I” feel a certain way, so I know I am “in love.” But that part of the relationship is driven by my need to feel that way, my need to be with the other person, my need to have my needs met. My needs are fueled by my desire to feel the intense emotion of “being in love.”

But in reality, love is a verb, something I do for the other. So, it takes the rest of my life to learn how to attend to my spouse’s needs. From my desire to be with my spouse comes my desire to meet my spouse’s love needs.

We are “fooled” into commitment by the overwhelming feeling of attraction, and then we have to put forth effort to create a sustained relationship. I say “fooled” because our culture has us believing that this love is the foundation of a relationship. It is not. It is merely a temporary starting point. It is not the destination. It is just a part of the journey to a lifetime relationship.

Those intense feelings will calm over time. The overwhelming need to be with someone that marks the infatuation portion of a relationship is not sustainable on its own. It’s like placing a flame in a bottle. Eventually, the flame will burn all the oxygen in the bottle and be extinguished.

So, there has to be some “fueling of the fire.” This is “love,” the verb. When I act in loving ways, I fuel the fire and keep it burning. If I stop tending to the other’s needs because I don’t feel that infatuation, the relationship will slowly (or not so slowly) die away.

When we continue to believe that “love” (infatuation) is the heart of a relationship, when that feeling is gone, we believe we are no longer in love. That is not the case; we have just failed to fuel the fire.

Reality TV has proven that any two people, given the right circumstances and settings, can fall into love (chemistry of infatuation). But story after story shows that it is harder to make the switch to “true love” that comes from action. Choose action, and don’t be fooled by chemistry.

By acting on love, by making love a verb and not an emotion, we keep the emotional fire stoked. And that is the great irony: if we depend on the feeling of being in love to keep us together, it will fail. But if we set that aside and focus on being loving, the feeling of being in love is sustained. Mature love is a verb, not an emotion.

Discover the secrets of creating a great marriage, even from a crumbling marriage, by visiting www.savethemarriage.com. The author’s excellent blog can be found at www.savethemarriage.com/blog/blog.html.

March 27th, 2009

Health Insurance for Students: Everything You Need to Know

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One of the items commonly toward the very bottom of the list whilst budgeting for a college education is medical insurance for college students. At that age, health insurance is the last thing on a student’s mind. As a student in your twenties you will tend to think that you will live forever so naturally you will not become sick.

As we all know, no matter how fit an individual may seem, there is no way to anticipate their future health. Affordable health insurance is not a luxury, it’s an absolute essential. For individuals fortunate to be covered under their family policy, most of them will cover a college student until they reach 23. For students who don’t have cover via their parent’s insurance policy, an essential part of planning for college must be obtaining an inexpensive health insurance plan.

So what’s significant in medical insurance targeted at students? Deductibles: This is a minimal annual sum you have to pay before any medical benefits commence, in the same vein as an auto insurance plan. For instance, should the deductible be five hundred dollars, $500 must be paid before getting any financial benefits from the plan.

What is meant by the term co-pay? When you have paid the deductible, most medical insurance policies ask that you pay a share of the cost of every trip to the doctor, medicinal drug or operation. This, succinctly, is a co-pay.

What’s your scope of insurance cover? Numerous plans are Health Maintenance Organization (HMO) and Partnership for Prescription Assistance. Essentially this means particular doctors might not be in your list of health providers or not be included by the insurance policy. A detailed list of approved health professionals are provided with your health insurance policy, prior to making your decision be sure to look into this thoroughly. What is catastrophic coverage? Limits are common in medical insurance for college students as far as catastrophic illness, the extent of cover extended in most student medical insurance is by and large lower than a regular policy.

What about the restrictions? Limitations are frequent in college student health insurance. It’s important to read your insurance policy thoroughly to discover what is and is not included. Have your medical insurance documents secure everywhere you travel. It’s not only impossible to anticipate an accident or an illness, but they are unfortunately likely to come about when it is least expected. Ensure to be familiar with your insurance policy even should you be included in your parent’s policy.

March 27th, 2009

Keeping the Memories

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Bachelor gowns

During graduation ceremonies, academic degrees are conferred to graduates. During this ceremony, friends and families of the graduate celebrate the academic achievements of their loved ones. The importance of this occasion is usually signified by among other things, the unique dress code of the graduates and the faculty. The degrees are usually conferred upon the graduates by a presiding officer either en masse or individually and they are usually held in distinctive certificate holders. The use of certificate holders is a grand way of showing off the graduation certificate while keeping it safe. The certificate holder can come inclusive of a stand to enhance its display.

Customized certificate holders may be engraved with the name of the university as well as that of the student. This is quite a fancy means of ensuring that the ceremony is remembered by the graduate forever. Before ordering certificate holders, it is important to keep in mind that their design is usually dependent on the dimensions of the documents they will be holding. Taking a look at a sample gallery of certificate holders may be useful in getting ideas regarding designing custom items. The certificate holder may be foil stamped, foil embossed or consist of a logo, borders or lettering.

March 26th, 2009

Outsourcing and Virtual Assistants: Small Business Saviors

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Work smarter, not harder

What is one of the best ways to work smarter without working harder? The answer is outsourcing. Whether you need occasional or ongoing assistance, outsourcing can save you money and time. Graphic designers, copywriters, bookkeepers, website programmers, office assistants, and other types of professionals are all readily available.

And, there’s a new way of hiring people – the World Wide Web connects independent professionals and small businesses that don’t need or want full-time help. Try typing “Virtual Assistant” into a search engine. You will find a vast array of online resources. According to the International Virtual Assistants Association,

    “A Virtual Assistant (VA) is an independent entrepreneur providing administrative, creative, and/or technical services. Utilizing advanced technological modes of communication and data delivery, a professional VA assists clients in his/her area of expertise from his/her own office on a contractual basis.”

This means you can find a virtual assistant for almost any type of work. Are you a plumber who needs accounting? Or a professional speaker who needs help arranging your appointments? Perhaps you would like some help writing proposals, designing a new website, or sending out press releases. You can find someone online for all of these services.

For many “around the office” types of jobs, virtual assistants get paid $20 to $50 an hour. More specialized services such as programming, legal assistance, graphic design, or coaching can cost $75 to $125 an hour. This may sound expensive at first. However, if you are not in need of a person in your office 40 hours every week, it becomes a very cost-effective solution.

While I realize, costs fluctuate widely, let’s look at some sample numbers to compare the typical costs of maintaining an employee versus outsourcing:

    Sample costs of a full-time employee
    Employee Salary: $36,000/ $17.31/hr.

    Two-week paid vacation: $1,385 to cover your employee’s role (more if a temp is hired)

    Health Insurance (employer portion for 12 mos.@$150): $1,800

    FICA Taxes (7.65%): $2,754

    Worker’s Comp. (.61%): $220

    Unemployment (State & Fed): $309

    Misc. costs (Vision, Dental, Disability & 401K Matching, Profit Sharing & Stock Options): >$3,000

    Office Space, Equipment, and Software (100 sq. Ft. @ applicable rate): $2500 ($25/sq. ft. is conservative)

    Annual Bonus (1 mo. salary): $3000

    Sick Time (10 days/year): $1385

    Other intangible costs (furniture, testing, training & fees, sick children, etc.): $1200

    Total Typical Costs: $53,553/ $25.75/hr. total effective hourly rate at 100% productivity

At a 75% productivity level, this employee’s cost for actual work becomes $34.33/hour and at a 50% productivity level, it’s $51.50/hour. A full-time staff person is very unlikely to be 100% productive because of idle time, errands, tasks, personal matters, and a learning curve for certain functions. This is combined with an employer’s inability to generate work due to distractions, staff meetings, company functions, lack of time to delegate or supervise, and sales fluctuations.

So, depending on the productivity level of a full-time employee, you may be paying up to 3 times his or her actual salary! You do the math! What’s the wise choice? Does an in-house employee save money? In most small businesses, this method simply is not the most cost effective.

Entreprenuer, get your life back!

Outsourcing will save you money, time, and energy. Virtual assistants and other out-of-office professionals own their own equipment with the latest software, they pay their own taxes and benefits, they are experts in their field, they don’t require morale building or training, and they aren’t going to bring their personal problems into your work space. Virtual assistants and outsourced professionals offer even more advantages: they are loyal to their client companies and will support your goals – they will help you generate ideas and allow you more time to make your business more profitable.

So, if you have employees that you are happy with, then of course that’s perfect for your business. Don’t fix what ain’t broke. However, if you find you are paying too much overhead or spending too much time managing, try a virtual assistant. If you need a new type of service, but don’t have the in-house expertise, outsourcing is a great option. There’s a world of online help available at your fingertips.

EzineArticles Expert Author Wendy Maynard

Wendy Maynard, your friendly marketing maven, is the owner of Kinesis (http://www.kinesisinc.com). Kinesis specializes in marketing, graphic and website design, and business writing. You can visit her marketing blog, Kinetic Ideas at: http://www.wendy.kinesisinc.com

Want to harness the power of kinetic marketing? Sign up for Kinesis Quickies, a free bi-monthly marketing e-newsletter: http://www.news.kinesisinc.com

March 21st, 2009

Getting Discount Fishing Gear on the World Wide Web

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Owning the right fishing supplies is an extremely important thing to keep in mind when your are contemplating your forthcoming fishing trip. You need to permit yourself the proper supplies to get into the “mental state” and get the optimal benefits of fishing. Buying the best equipment will assist you in lots of different ways. As you may know, the more fishing gear you purchase the more pleasurable fishing will be. One of the things you must ask is, do you have all that you require prior to you heading out on your excursion? To be triumphant you would be clever to guarantee that your fishing expedition begins with procuring the best fishing equipment. There are countless sorts of fishing gear & it chiefly depends on sort of water you will be fishing at, what kind of fish you are hunting for and the style of fishing that you desire.

There are several types and styles of fishing reels that have a choice of price tags. If you are looking to enter into commercial fishing you ought to ensure that your fishing tools is designed for that type of purpose. Commercial fishing requires more durable fishing items. Since commercial fishing gear has twice to three times the use they fatigue much quicker. This definitely makes it much more shrewd to pay put the extra at the beginning. There are an assortment of items so that you can make a decision based on needs as well as what you can actually realistically buy. Find great offers on gym equipment uk online today.

The particular make of fishing rod is also another essential part of the tackle that you will need. You may well need to evaluate what brand of rod that you will need for your fishing excursion. Just as there are a selection of reels there is an assortment of fishing rods to purchase. It is suggested to base your choice on the sort of fish that you are endeavouring to catch.

March 20th, 2009

New Service Shows Broadband Levels in Different Regions

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There has been a lot of discussion recently about the level of broadband services in the UK being below par. A major concern has been the rural areas that still struggle to get access to even basic forms of internet connectivity. However, it has been difficult to gauge so far, the extent to which UK’s broadband services lag behind other developed countries.

Now Point Topic, a prominent analysis company, along with Gavurin has launched an online service that provides detailed information on the state of broadband connectivity in different regions of the UK. Any user can access this information by just logging-in using his or her e-mail address.

The site provides geographical data through an innovative mapping service developed by Gavurin, called G-View. It is capable of tracing the penetration of broadband services throughout the UK and the speeds being offered.

The regions in the UK have been divided into three categories to make it easier for the viewer to assimilate information: those with speeds below 2MB (Slowband Land), those with 2MB to 8MB speeds (Average Access), and those with speeds above 8MB (High Speed Heaven).

Oliver Johnson, Chief Executive of Point Topic, says that the company will strive to provide more detailed information as the service progresses. He also stressed that the simplicity of G-View could potentially bring in more users for the service.

The tool can also play an important role for people offering services or products through the internet by helping them understand the penetration of high-speed broadband in different areas.

March 18th, 2009

Sharif Khan: In Search of Heroes Interview

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Interview With Sharif Khan

Interview by Ralph Zuranski

What is your definition of heroism?

It stems from the original word ‘hero’ which comes from the Greek roots servos and heros, which means to serve and protect. So self-sacrifice for the higher good and betterment of humanity is at the heart of being a hero. And what that implies is that the seeds of greatness lie within us all because we all have that innate capacity to serve. Martin Luther King said it best: “Everyone can be great, because anyone can serve. You don’t have to have a college degree to serve. You don’t even have to make your subject and verb agree to serve…You only need a heart full of grace. A soul generated by love.”

Did you ever create a secret hero in your mind that helped you deal with life’s difficulties?

Very interesting question. I have a Council of Light or imaginary team of heroes if you will. I got the concept from Napoleon Hill’s book, Think and Grow Rich, where he talks about creating a team of heroes in your mind, where you go deep within your mind and choose your greatest heroes to sit on your round table and council you. I actually go to a secret place in my mind in meditation where I have a council of these people.

Some include greats like Martin Luther King, Nelson Mandela, Gandhi, Sinatra, Jodie foster, Oprah, Einstein, and an eclectic mix that changes from time to time. I actually talk to them in my dreams and imagination and they give me answers encouragement and advice. It may sound strange, but that’s how I’ve developed my own ‘wisdom council’ if you will.

What were or are the qualities and attributes of your secret heroes?

They had a dream, they were determined, and knew exactly what they wanted and they had a larger than life vision. They went out there with courage and did what they wanted to do and didn’t take “no” from anybody and were able to accomplish their dreams; and so I look up to these role models knowing if they can do it, I can do it.

What is your perspective on goodness, ethics and moral behavior?

That’s a very important question. We need to be able to ask ourselves, in business or in life, “Is it going to be a win-win situation for everyone involved? Is it going to harm anyone?” If it’s going to harm other people or negatively influence and impact other people around us then we should not pursue that avenue.

It simply comes down to: are we positively impacting other people, are we making a difference, and is it in line with our vision. A lot of people yield to the greed factor and try taking short cuts for immediate gain without consideration of others which leads to lots of problems.

What principles are you willing to sacrifice your life for?

FREEDOM! Freedom is worth sacrificing my life for. Freedom to live our dreams, freedom to imagine, to hope and prosper from doing what we love doing, that is worth giving up our lives for. In North America, we do have economic freedom and political freedom, but that is not normal. We are blessed and privileged because more than half the world does not have the same opportunities.

When was the lowest point in your life and how did you change your life path to one of victory over all obstacles?

As a very young child I grew up with a lot of racial hatred and prejudice because of the color of my skin and being a South Asian. I grew up with a lot of low self-esteem and low self-worth, and carried it all through my young adulthood. There was a tragic time in my life when my father passed away when I was 18 while I was going to high school in the States at that time.

That was a devastating experience for me because my father was my best friend and a beacon of light and hope for me, and he encouraged me to excel and be the best I can be. When my father passed away in a car accident, I fell in to a spiral of deep depression. Because of my low self-esteem and low sense of self-worth, I didn’t see any way out and I was immersed in darkness and didn’t know where to turn. At the time, my father didn’t have any life or car insurance. I had to pay my way for my last year of high school (a private boarding school).

I ended up corking and uncorking blood specimen test tubes, working in a lab, and separating urine and stool samples all day long. Not the most exciting summer job for a student. Within a very short period of time, I became an alcoholic at 18 and I was passed out drunk on the streets of Queens, NY and on the subways and didn’t have a hope in the world.

That was the lowest point in my life and also a turning point in my life, because that was a point I decided. I knew where I was heading and I didn’t want to end up like another statistic. I wanted to get myself out of that situation. For me personally, it was turning to God. Letting go and letting God and saying, “Let Your will be done. I need Your help and guidance.” And God intervened in my life. That was an incredible turning point in my life and turning to faith and the Higher Power in me was what gave me strength and got me out of that situation.

Do you have a dream or vision that sets the course of your life?

Absolutely. My vision is to inspire the world and make a positive difference in peoples’ lives. To help create a global culture of heroes and responsible citizens dedicated to promoting peace and prosperity in the world. That is a vision that’s larger than life. It gets me going and energizes me whether I’m having a good day or bad day; it gets me up every morning and allows me to stretch and grow.

Do you take a positive view of setbacks, misfortunes and mistakes?

Absolutely! I think it was Mr. Thomas Watson Sr., founder of IBM, who said, “If you want to increase your success rate, double your failure rate.” So failures and setbacks and mistakes are stepping stones towards greater and greater success. We need to ask ourselves: “What can we learn from this experience? How can we grow from this experience?” Because nothing really is a failure; everything is a learning experience.

Does it take courage to pursue new ideas?

Yes it does. It takes a lot of courage because typically, in the new development stage of an idea, people tend to bring us down and want to put us at their own level. So having the courage to succeed and not taking “no” for an answer and going beyond is important. Including myself.

Writing has been a passion of mine since I was probably 8 years old, and people around me, especially in South Asian culture, and even sometimes within my family, were admonishing me not to be a ‘writer’ because I’d be a struggling artist all my life and telling me “why don’t you be a doctor, or lawyer, or accountant, or get an MBA, so you can make money.”

It took me courage to say “no” this is what I’m passionate about, this is what I love doing, and this is what I’m going to do and I stuck to it. I disciplined myself to write two hours every day and ten hours on the weekends (not including research) and in a period of about two years, I had a finished book, Psychology of the Hero Soul, which is an inspirational book and awakening the hero within and developing people’s leadership potential.

Were you willing to experience discomfort in the pursuit of your dream?

Yes. That is something that is necessary because it takes a lot of hard work and effort. Nothing really comes easy. Anything worthy of great achievement requires hard work, effort, persistence, and perseverance.

How important is it to believe that your dreams will eventually become reality?

It is very important! I believe you have to taste and feel and smell your dream as if it is a reality right now. I’m a big believer in seeing the reality and the vision and dream right up front, right now, the way it is. If you can’t visualize and feel the tears of triumph running down your face when you win that award or get that promotion, nothing will happen.

It doesn’t matter how many goals you set, or how many affirmations you say till you’re blue in the face, if you don’t have that feeling or that knowing that this is going to be a reality, then nothing is going to happen.

Everybody has doubts and fears. In fact a lot of people are paralyzed by those doubts and fears. How are you able to overcome your doubts and fears?

One of the ways I’m able to overcome my doubts and fears is using a technique which I learned from Tony Robbins, where I conditioned myself to feel pain whenever doubts and fears entered my mind.

I put a rubber band around my wrist and every time I had a little inkling of doubt or fear of the little voice saying, “Sharif you can’t do this,” I just snapped that rubber band and it produced pain. There are two things that motivate human behavior: the desire to gain pleasure or the desire to avoid pain; the desire to look good or avoid looking bad.

Another way of overcoming my doubts and fears is having a vision for myself of the future and where I expect to be. This would actually be a really good exercise that anyone could do: on a single sheet of paper in the present tense, write down where you want to be ten years from now.

What type of an income level would you want to be making? How would you be perceived and treated? What type of clothing would you be wearing? What type of lifestyle would you be living? Write it all down and then start being that person right now. Start commanding that presence right now and you will attract the circumstances and the people in your life to be able to accomplish that vision. Those are the two ways that I overcome my doubts and fears.

Who helped give you the willpower to change things in your life for the better?

My father passed on a lot of wisdom and guidance and encouraged me to study the lives of successful people and read successful biographies. My father was a PhD. in Psychology. Ever since I was 8 years old he immersed myself in the classics like James Allen, Wayne Dyer, Shakti Gawain, Dale Carnegie, and all of these personal development greats I started learning at a young age. So he was an inspiration to me.

Another person that was a real inspiration to me is a gentleman by the name of Jim Ross, who I dedicated my book to. He is the founder of the Canadian Academy of Method Acting, and he taught me a lot about the psychology of the hero and psychology of the villain. He was a mentor to me, a messenger, a carrier of truth. He is definitely a hero in my life.

How important is it to readily forgive those who upset, offend and oppose you?

It is absolutely critical to be able to forgive people that have offended or harmed us in any way. It’s a very difficult thing to do, but if we really think about it, harvesting the anger and hatred inside against the other person is not doing anything for that person.

It’s only harming us and creating toxins and bad energies in our bodies which is going to ruin our health. I think there was some study where they said that even ten minutes of feeling angry had enough toxins in the blood to kill a guinea pig.

Can you imagine half an hour or an hour or many years of feeling anger and hatred to somebody and what kind of damage that can do to our health and mental well being? So it’s very important to forgive others and be able to let go and move on.

Do you experience service to others as a source of joy?

Yes I do. I sincerely believe the hero’s journey is about following one’s bliss and doing what one loves doing in service to others. That is what really brings the most joy, and that is what really brings the most success as well, because the only way to get what we want is by helping enough people get what they want first.

I’m a big believer in serving. If you want to increase your wealth and influence by ten times, just ask yourself the question, “How can I help ten times as many people as I am helping right now?”

What place does the power of prayer have in your life?

The power of prayer has really changed my life a 180 degrees. I believe at the time when I was at a low point in Queens, NY and had nowhere to turn to, if I had not prayed to God and asked for guidance and intervention, I would definitely not be here today; I would have probably been in an alleyway somewhere with a knife stuck in my back or ended up being a criminal. So prayer has been an important and daily part of my life.

Who are the HEROES in your life?

My father was a hero. Jim Ross, who I dedicated my book, The Hero Soul, has been a hero to me because he was a teacher and a mentor, a messenger, a carrier of truth. I think the people out there making a difference in peoples’ lives, teachers, coaches, entrepreneurs; I think all those people who are serving people or helping solve problems and showing people how to overcome their own problems are the real heroes; and it’s unfortunate that the media doesn’t pay enough attention, which is why I really like your “In Search of Heroes Program” because it’s really unique.

Why are HEROES so important in the lives of young people?

Heroes are so important in the lives of young people because there are not a lot of role models out there. And some of the role models give a very negative impression. So when we see someone in movies or even in school, when we see gang leaders who are profiting from criminal activity and wearing nice clothes and driving a Mercedes, these people have a negative influence on younger people.

I think the younger people really need to see heroes and leaders who are not only making a difference in peoples’ lives but also prospering themselves so they can look to those people as examples and follow in their pursuit. Our children and young ones are going to be the future leaders of tomorrow. So it’s very important to have the right heroes and the right leaders impacting their lives.

How do people become heroes?

That’s a very good question. To start, self knowledge is really important. On the Greek temple of Apollo there is an inscription that reads, “Know thyself, and you will know the gods and the universe!” To know your strengths and weaknesses, your deepest desires and your deepest fears, really being able to understand where you begin and where you end and beyond.

Self knowledge is so important because through self knowledge we learn what it is that we really want to do, what our calling in life is, what our blessings are. By pursuing those blessings, by following our bliss, and doing what we love doing in service to others, we automatically become heroes.

How does it feel to be recognized as a ‘hero’?

It’s a really rewarding feeling. Coming from a stage in my life, having grown up in Scarborough here in Ontario, Canada, where I was suffering so much low self-esteem and feelings of worthlessness that I never took any leadership roles at all in school and in my young adulthood; to now come full-circle and be respected as a ‘leader’ as a ‘hero’ training entrepreneurs, executives, and educators and students alike on the qualities of leadership and being a hero…it really is a very rewarding feeling to be held in respect and esteem. Words can’t describe it.

Why do you think you were selected for this unique honor?

I believe that early in life, because of the unique situations that happened in my life, and the tragedies which I suffered, I connected at a deeper level, at a spiritual level, and found out at a very early age what my calling in life is. And my calling, my purpose, is to enrich the lives of as many people as I possibly can, using my God-given talents, writing being the main one. So I think I’ve been privileged because I saw my calling at an early age, and I took action and decided to pursue my calling regardless of what others were saying around me.

How will being recognized as a HERO change your life?

It already has changed my life. I know if I were to pass away right now, that I have already done something that will leave a lasting legacy and a gift to humanity with the work that I’ve already done. And it gives me a great sense of peace. And what really gets me going, the drive, is thinking what will be written on my epitaph when I die, how do I want to be remembered.

That’s what allows me to want to serve as best I can using my God-given abilities to help as many people as I can within the shortest time frame that’s left because life is really fragile. Life is so short. I heard about Cory Rudl (world-renowned internet marketing expert) who recently passed away in a car accident, I think he was racing with a buddy, he was such an inspiration teaching people about the internet. Life is really fragile and short and we need to make the most of it right now.

Do you have any good solutions to the problems facing society, especially racism, child and spousal abuse and violence among young people?

Our own image is reflected in every single human individual around us. What we do to others we are actually doing to ourselves. And if we mistreat somebody else, or if we call somebody else names or harm somebody, we are actually harming ourselves, because what goes around comes around and the law of motion says, ‘for every action there is an equal and opposite reaction.’ If you want to be respected and treated with love and compassion, then you need to treat other people with love and compassion and respect – and you’ll get that back ten times over.

If you had three wishes for your life and the world, that would instantly come true, what would they be?

My first wish would be to have people in the world live in harmony and for people to find ways to be prosperous doing what it is that they really love doing. I’d love to see a world where we can actually accommodate that and help people to do what they love doing and prosper. I see so many people and see so many youth out there who have all these aspirations and dreams, but they’re not finding an outlet to be able to live those dreams. And they are really perishing inside. It’s so sad to see so many people who don’t find a direction or calling in life and are thinking of committing suicide. That is one wish: to see everyone living a prosperous life doing what they love doing.

My second wish, if there was a magic wand and it was a utopia, to end the wars and famine and disease, and have a world where there is just peace and love and respect for each other.

And finally, my third wish would be to have a world with people dedicated to EXCELLENCE. Because God is Excellence! Being the best of the best, holding ourselves to high standards and to quality. We would really have a paradise on earth if were committed to excellence – towards truth, and nobility, and something grand.

Sharif Khan’s website for his work in developing heroes is at http://www.herosoul.com He also has a success blog at http://www.sharifkhan.blogspot.com His book, Psychology of the Hero Soul, is available at Amazon, Borders, Barnes & Noble, and Indigo bookstores. To reach Sharif directly, call (416) 417-1259 or email: sharif@herosoul.com.

March 16th, 2009

The Body’s Own Production of Nitric Oxide Can Help Prevent Heart Attack & Stroke

Posted by admin in Uncategorized

Nitric Oxide, a gas that occurs naturally in the body, may do more than any prescription drug to prevent heart attack and stroke.

Nitric Oxide is essential for healthy circulation. It helps dilate blood vessels, prevent blood clots and regulate blood pressure. It also helps inhibit the accumulation of dangerous arterial plaque.

How It Works:

Nitric Oxide helps prevent heart disease and stroke in the following ways:
Expanding blood vessels: Nitric oxide protects the blood vessels smooth muscle tissue from harmful constriction. This allows the flexibility necessary for blood to circulate with less pressure.

Controlling platelet function: An efficient vascular network that is enhanced by nitric oxide sheds platelets and inhibits dangerous clots.

Reducing arterial plaque by 50%: Nitric oxide is an effective antioxidant that inhibits the passage of monocytes, a type of immune cell, into the artery wall. This reduces the underlying inflammation that promotes plaque.

Lowering total Cholesterol by 10% to 20%: Nitric oxide lowers Cholesterol through its naturally protective antioxidant activity. Preliminary research suggests that stimulating nitric oxide production in individuals who have elevated Cholesterol levels, makes it possible to lower their prescriptive statin drug dosages by at least 50%.

Here’s how to boost Nitric Oxide levels with specific nutritional supplements!
Unfortunately, beginning in early adulthood, nitric oxide levels gradually decline, most often due to damage to the endothelial cells caused by such factors as a high-fat diet and a sedentary lifestyle.

Daily intake of specific nutritional supplements that increase production of nitric oxide in the blood vessels are beneficial.

L-ARGININE: An amino acid found in meats, grains and fish, passes through the intestine into the blood. From the blood, it enters endothelial cells, (these are the layer of cells lining the inside of the blood and lymph vessels of the heart) where it is used to make nitric oxide. A Mayo Clinic study found that people taking L-arginine had significant improvement in endothelial function and blood flow compared with those taking placebos. It is difficult to obtain enough L-Arginine from food, so amino acid supplements are recommended to assure optimum daily intake.

Dose: 2,000 mg. to 3,000 mg. taken twice daily ??” for a total of 4,000 to 6,000 mg.

Vitamin E: Vitamin E reduces the assault of cell-damaging free radicals on the endothelial lining any may promote higher levels of nitric oxide. The amount of vitamin E should be at least 400 international units (IU), an effective daily dose.

Vitamin C: Like vitamin E, vitamin C reduces oxidation in the blood vessels and may stimulate an increase in nitric oxide. People who consume high levels of vitamin C experience a reduction in arterial plaque, which is associated with higher levels of nitric oxide. You can get vitamin C from food, but supplements are recommended to assure optimum daily intake.

Dose: Minimum 500 mg. daily.

Multiple Vitamins: A full-spectrum multiple vitamin-mineral formula supplying the heart-healthy B-complex vitamins (B-1, B-2, Niacin, Folate, B-6, B-12 and Pantothenic Acid) is important for promoting cardiovascular health by reducing dangerous Homocysteine levels.

The Importance of Diet and Exercise!
In addition to taking the recommended nutritional supplements, it’s very important to maintain a healthy lifestyle by being careful about what you eat and keeping physically active.

Do aerobic exercise for at least 20 minutes, three days a week. It stimulates endothelial cells to continuously produce nitric oxide, even on the days that you don’t exercise.

Minimize intake of saturated fat. Saturated fat, found in such animal products as red meat, poultry, butter and whole milk, contributes to the accumulation of arterial plaque and impairs nitric oxide production.

Increase intake of Olive oil, fish and flaxseed. The beneficial omega 3 fatty acids found in these foods help protect the endothelium by elevating levels of beneficial HDL cholesterol and lowering the harmful LDL form.

Eat more fiber daily. The dietary fiber in grains, fruits and vegetables lowers blood pressure and LDL cholesterol and raises HDL, helping to protect endothelial cells. Many of the foods that contain fiber also are rich in protective, heart-healthy antioxidants, which inhibit the cell damage that lowers nitric oxide. Eat at least 25 grams of fiber daily and drink at least eight eight-ounce glasses of water a day to make sure that the fiber moves efficiently through your system.

Roger Jirves is an authorized dealer of the Vitamin Power line natural vitamins, minerals, and Hearth Healthy Supplements

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