Making Your Home A Better Place – Home Improvement Equity Loans

Making Your Home A Better Place – Home Improvement Equity Loans

Everybody thinks of having a better place to live. A place with all the facilities, more than a normal home. Which will not only give you physical comfort but also the inner satisfaction you are looking for. Home improvement loans will provide you the money to support your needs for converting your existing home into the one you wished for.

You may be wondering about the term equity in your home. Equity is the market value of your home less any debts taken against it in the past. You build equity as that difference grows –when you repay your existing mortgage to decrease the amount you owe, or when your home’s value increases. With home improvement equity loans you can borrow up to 125% of your equity depending upon the requirement.

Home improvement equity loans are of two types.

One is standard home improvement equity loan in which you get the lump sum payment of the loan amount. This form of home improvement equity loan is suited for those who want to finance large one time expense. It offers you simple repayment terms and a security that your payments will never increase.

The other one is line of credit which you can use like a credit card. There is a limit set for you up to which you can borrow, and you just have to pay the interest on the amount you borrow. This form of loan is to finance ongoing expenses or miscellaneous purchases.

You can borrow against that equity when you need cash, using either a home improvement equity loan or a line of credit. Both offer a number of advantages over other types of financing including:

o Interest savings. Home improvement equity loans or line or credit typically have much lower interest rates than other types of financing, such as credit cards and personal loans.

o Tax benefits. Just like your first mortgage, the interest you pay on a home improvement equity loan or line is usually tax-deductible. You should consult your tax advisor about the deductibility of interest

Lenders normally place no limitations on your home improvement projects, as long as they are within the boundaries of your local building requirements. Depending on the type of improvement, you have the choice of doing the home improvement work yourself, or using a home contractor. You just need to do a little research while looking for a lender to avail the benefits.

Home improvement equity loans will provide you the right platform to transfer your place of living into a home. These loans are recommended as it is a nice way to get equity from your home for improvement of your home.

Making Your Home A Better Place – Home Improvement Equity Loans

Making Your Home A Better Place - Home Improvement Equity Loans

Dina Wilson is an expert loan advisor at online home improvement loan. She has done MSc Management and Finance from University of Whales. To find home improvement equity loan, Home improvement loans, cheap online home improvement loan, online home improvement loans, home improvement loan rate visit http://www.online-home-improvement-loan.co.uk

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Work Place Communication Skills

Work Place Communication Skills

Communication being the mother of all skills must be mastered by one and all for professional as well as personal success. Communication is an art which has to be mastered by the professionals irrespective of their position. The components of communication are Listening, Speaking, Reading and Writing (LSRW). If you master these components, you will become good manager and able to get the things done to the satisfaction of your superiors.

Listening being the first component of Communication skill, one has to practice this skill with all the attentiveness required to reciprocate, react and to give constructive feedback.

Without listening one cannot be effective in discharging their duties in the workplace.

In a nutshell, listening is considered as the key skill in communicating with others. For example, if you do not listen attentively, you cannot discharge your duties effectively to the satisfaction of your boss. You may lose the edge over your competitors in the workplace. Your appraisal may not be up to the mark. If you are a Secretary or a Stenographer, you must be more attentive compared to others. One small mistake committed due to lack of attention may put the project in problem which you are handling. Proactive listening will help you to climb the ladder of success. Active listening is that wherein you are active only in listening, but proactive listening will motivate and prompts you to take action on the points which you have listened through your boss, peers or subordinates. This will help you to become a key member of the team. You have take the expression as it is while listening to the speaker but should not react immediately.

Speaking can be mastered only with practice. The ability to speak clearly will determine the effectiveness of the individual in the workplace. Your clarity of thought is reflected in your way of speaking and choosing the right words. Choosing the right words for the right occasion to express in the right place and with right people will help you to master the art of speaking. One has to practice this art of speaking by understanding the situation and the vocabulary of different industry segments with which you are associated. SIP in the field of education means Summer Internship program but the same SIP sounds different in the field of banking i.e. Systematic Investment Plan. Before globalization the jargon of recruitment is different from post globalization. Previously it was recommendation and now it was with reference you can find a placement of your choice. Now-a-days, many are spelling the word schedule as schedule due to the influence of American work culture in the Indian Work Place. Observation also will help you to become a good speaker. Positive expression while talking to your boss, peers, and subordinates will create positive vibes in the workplace. You should not go to your boss with the word ‘complaint’ in your expression; instead you must rearrange the sentence with the expression as ‘I would like to bring to your kind notice’. This way, one can master speaking skills in the workplace and help in creating positive vibrations in the workplace.

Emotional intelligence/balance while speaking will give you edge over others. One must be Assertive communicator while talking to others. Aggressive communication or reaction will spoil the atmosphere and may not help in getting the things done. The communication must be apt to the situation and should not express in over tones.

Your perception will influence your way of communicating with others. One should not impose the perception or opinion on others through their way of expression. You must give choice and freedom to others to choose and express their view point. If you are precise and pin pointed with your communication, you can avoid politics in the work place. You can avoid grapevine in the workplace. You can avoid heart burns in the work place.

Reading maketh a complete man. This quote reflects the importance of reading in the life of a professional. Reading also includes studies, wherein you have to try to improve your qualifications and skills which would help move fast on the career path. Lack of reading skills or not concentrating much on reading the latest developments in your field will make you a novice in the workplace. Those who update knowledge of their field continuously will climb the ladder of success in the workplace without many hassles. Those who doesn’t concentrate on improving their reading skills will not be in the race of promotion or any kind of other career developing appraisals happen from time to time in the continuous learning organizations.

Writing i.e. letter drafting and report writing forms part of the life of a professional wherein one has to possess these skills to become an effective manager. A professional has to master the art of writing which is useful in the workplace to communicate effectively and to assert his stand in every situation. Lack of writing skills will be an obstruction in the progress of one’s career path and can mar the future prospects.

Barriers in communication can be overcome with concentration and observation. Focusing on the mode of communication and its effectiveness will help to reduce the effectiveness of barriers in communication. In an ‘open cabin culture’ in the work place, one cannot expect ‘noiseless’ atmosphere. Cell phones in the workplace also will become barriers for effective communication. To avoid barriers in communication in the workplace, one has to develop ‘accommodating culture’.

Basics of Effective Communication

o It matters not so much what you say as it does how you say it.

o Your communication style is a SET of various behaviors and methods of relaying information that impact all facets of life.

o The goal should always be to understand – not to be right.

o Get the facts before you pass judgment. Some styles lend themselves better to this than others.

o Learning all communication styles is important in order to avoid communicating in less effective ways and in order to recognize those styles in others so as to be able to deal with them.

o People are not difficult. They only seem difficult to the extent that we do not have the skills to deal with what they bring to the table. It is our lack of knowledge that makes the situation difficult.

Which is the Best Style?

o All styles have their proper place and use.

o Assertive communication is the healthiest.

- Boundaries of all parties are respected.

- Easier to problem-solve; fewer emotional outbursts.

- It requires skills and a philosophy change, as well as lots of practice and hard work.

- When both parties do it, no one is hurt in any way and all parties win on some level.

Understanding Communication Styles – Passive, Aggressive, and Assertive Communication -

Passive Communication

o Allowing our own rights to be violated by failing to express our honest feelings.

o The goal of being a passive communicator is to avoid conflict no matter what.

o Little risk involved – very safe.

o Little eye contact, often defers to others’ opinions, usually quiet tone, may suddenly explode after being passive too long.

Examples of Passive Communication

o “I don’t know.”

o “Whatever you think.”

o “You have more experience than I. You decide.”

o “I’ll go with whatever the group decides.”

o “I don’t care. It doesn’t matter to me.”

o “Yes, yes, yes, yes, yes, yes, yes. . . NO!”

Aggressive Communication

o Protecting one’s own rights at the expense of others’ rights – no exceptions.

o The goal of the aggressor is to win at all costs; to be right.

o Does not consider actions a risk because this person thinks they will always get their way. It is risky in terms of relationships, however.

o Eye contact is angry and intimidating; lots of energy; loud and belittling; never defers to others, or at least does not admit to; manipulative and controlling. Often uses violence or verbal abuse.

Examples of Aggressive Communication

o “I don’t know why you can’t see that this is the right way to do it.”

o “It’s going to be my way or not at all.”

o “You’re just stupid if you think that will work.”

o “That kind of logic will sink the company.”

o “Who cares what you feel. We’re talking about making things work here.”

Passive-Aggressive Communication

o Forfeiting your own rights initially, followed by manipulation and vengeance later.

o The goal of this style is to avoid conflict and then make the other party wish they had seen it your way.

o Avoids risk initially, risks relationships later, then acts surprised when people are mad.

o Behaves passively to people’s face, then aggressively when they are not around. Often uses sarcasm.

Examples of Passive-Aggressive Communication

o “Sure, doctor. I’d be happy to write that verbal order,” but back on the unit the order is “forgotten.”

o “I love your hair. Most people probably can’t even tell it’s a wig.”

o “I hear what you’re saying, and I wouldn’t want to make waves, so I’ll do what you say even though someone will probably get sued.”

Assertive Communication

o Protecting your own rights without violating the rights of others.

o The goal of the assertive person is to communicate with respect and to understand each other; to find a solution to the problem.

o Takes a risk with others in the short run, but in the long run relationships are much stronger.

o Eye contact maintained; listens and validates others; confident and strong, yet also flexible; objective and unemotional; presents wishes clearly and respectfully.

Examples of Assertive Communication

o “So what you’re saying is. . . .”

o “I can see that this is important to you, and it is also important to me. Perhaps we can talk more respectfully and try to solve the problem.”

o “I think. . . I feel. . . I believe that. . . .”

o “I would appreciate it if you. . .”

Assertiveness Skills

I – Persistence

1. Stay focused on the issue – do not get distracted, defensive, or start justifying yourself.

2. Repeat the “bottom line” to keep the conversation on track and your issues on the table (e.g., “I understand that, however we are talking about. . .”).

3. Alternative styles would withdraw or would escalate this to a battle of wills that would override compromise.

II – Objectivity

1. Focus on the problem, not on the emotions that often accompany and cloud problems. Postpone discussion if emotions cannot be contained.

2. Use the validation skill (next) to handle others’ emotions so you can focus on objective issues.

III – Validation

o Allow people to have their experience, but try to move beyond it to a discussion about the problem.

o You do not necessarily have to disagree or agree – people’s perspectives are important, but they are not the heart of the issue, so don’t make a battle over them. Validate them and get to the issue.

o “If that’s how you see it, that’s fine.”

o “I can see that this upsets you, and from your perspective, I can see why. Now, what can we do to make this better for both of us?”

IV – Owning

o Being assertive means you also must own what is yours to own. If the other person has a point about your behavior, own it (this is the “. . .without violating the rights of others” part). Bulldozing over that is aggressive.

o Accept someone’s criticism as feedback rather than an attack. (e.g., “You could be right about that. . .”, “That is entirely possible, knowing me. . .”) Where is the value in fighting another’s negative opinion about us? Perspective is hard to change when directly challenged. This shows that IF their perspective were true, you’d own it.

V – Challenging False Information

o When attacked with false and negative statements, do not fall prey to defensiveness. That only escalates emotions.

o Look for the grain of truth and validate it. This knocks barrier walls down and opens the door for discussion about the real problem.

o At times people are rigid and a more forceful stance is needed. E.g., “I’m sorry, I simply do not see it that way, but you are more than entitled to your opinion.”

o Disagree, using factual information. E.g., “Actually, I was at work, so that could not have been me.”

VI – Pumping the Negatives

o When criticized, ask for more negative feedback – do so assertively, as though you are trying to learn more about how to be better in that area (and in fact, that should be your goal). E.g., “Tell me more about what is bothering you about my report.”

o Stay task oriented!!! If you slip into emotions and get offended, you lose. Pump practical negatives (not baseless criticisms) and how your actions can be improved to help solve the problems.

VII – Humor

o Humor breaks down negative emotions.

o Humor can put tense situations at ease.

o When grain of truth is found, joke about it while owning it.

o Be careful to use humor appropriately and professionally.

When Aggression is Appropriate

o In an emergency

o When there is not time to spend on a compromise.

o When your opinion is based on several facts, you therefore KNOW you are right, and there is not time to utilize assertiveness skills.

When Passivity is Appropriate

o When the results of pushing the issue would cause problems that outweigh the benefits.

o When issues are minor.

o When there is a power differential that is not in your favor and the other party is getting agitated by your assertiveness.

o When the other individual’s position is impossible to change. (E.g., the law).

What is “Okay” in Assertive Behavior?

o It is okay to say “I don’t know.”

o It is okay to say “No,” or “I cannot do that.”

o It is okay to make mistakes as long as responsibility is taken for them.

o It is okay to disagree and to verbalize that.

o It is okay to challenge others’ opinions or actions.

o It is okay to not accept another’s opinion as factual or accurate (e.g., getting criticized).

o It is okay to ask for a change in behavior.

Cultivate the habit of communicating assertively, to enhance your effectiveness in the workplace. Measurable performance is always assessed by way of your positive communication skills. If you are not an effective communicator, you may not be in a position to sell yourself effectively in the workplace. Thus, effective communication plays vital role for your success in professional life as well as in your personal life.

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Work Place Communication Skills

Work Place Communication Skills

The Author is a Career Management Consultant and Corporate Trainer based at Hyderabad, India. You may reach him at aimkom@gmail.com Visit his webiste [http://www.aimkom.com] to know more about his activities.

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Affirmation statements -we hear them spoken often by motivational speakers, authors, writers etc., but what can we personally do to harness the power of affirmations in our own lives?

Think about a time in your life when you desired to make a change – something major, like finding a new job, moving to a new city or home, or something less momentous like a New Year’s resolution to improve your overall health. Can you think of a past experience like that? Now, think about the tools that you used or steps that you took to help guide you through that transition and keep you focused on achieving your goals while making that change.

These tools in effect, involved you setting in motion a series of events to accomplish the goals you’d set out for yourself, and one of the easiest ways to achieve success is to create affirmations.

Affirmations are very easy to use and quite powerful once you get the hang of practicing this daily exercise. Affirmations keep you focused on what’s important to you and help you achieve positive transitions. Basically an affirmation is a declaration that something is already true and has come to fruition in your life in the present moment. You have to believe what you are looking to achieve or obtain has already arrived in order for ‘it’ to show up in your life.

If your desire is to create personal well-being, first choose a phrase that describes what you desire. For example, if you desire to adopt a healthier lifestyle, then your affirmation statement could say, “I feel good and look good when I live a healthy lifestyle.” Or “I enjoy the great feelings I get from exercising daily.” Short powerful statements are more focused and work much better to bring about results than long, drawn-out paragraphs.

There are some rules to follow when creating an affirmation that I’d like to share with you.

Rule # 1: The phrase must be in the present tense, such as “I feel good”, as opposed to “I will feel good” which implies that at some point in the future you ‘might’ achieve your goal. Remember to phrase your affirmation as if your desire.

Rule #2: The statement must always be written from a positive perspective, instead of a negative one. For example, you wouldn’t say “I don’t feel good when I am not healthy” as this places your health – which you are trying to change – in a negative context. Always phrase your desire/affirmation statement in a positive context and in the present tense.

Rule #3: Repeat often. After you create an affirmation, write it down on something that you can keep with you, like a notebook or card to put in your purse or wallet, or place it somewhere that you look at often throughout your day such as on your bathroom mirror or your desk at work. Make sure that you read your affirmation statements as many times during your day as possible.

Studies have shown that using the power of affirmations can lower stress and I have found this to be true in my own life. When I get clear about what I want in my life and focus on my desires with affirmations every day, I am more content and peaceful. What we focus on grows, so the more you focus your attention on your affirmations, the more likely you are to create positive changes in your life and achieve your dreams.

My favorite book on affirmations and the power of healing is Louise Hay’s, You Can Heal Your Life. In this fascinating book you can learn more about the healing power of affirmations and how you can harness them to improve your overall health and well-being. And frankly, who wouldn’t like to live a healthier, more serene life in these turbulent times?

Using the power behind affirmations can truly change your life for the better. Put this into practice this week by writing down three short affirmations about three areas you’d like to make positive changes in your life. Be sure to state your desires in the present tense and in a positive way. Practice repeating these statements as many times as you can for 7 days and see what wonderful changes reveal themselves in your life.

Inspired by her passion to support others on their own personal growth journey, Carolee Laffoon founded Affirmations To Go, a company which encourages people to create lasting personal affirmation products to carry with them daily to keep them focused on their goals, hopes and dreams. Carolee publishes a monthly newsletter “Affirmation Inspirations” to share her favorite affirmations, inspirations, and product specials. Visit Affirmations To Go and sign up to receive her newsletter as well as participate in her special monthly Affirmations product giveaway.

Broken heart, hurt and loneliness are three perfect ingredients, which, when mixed together, make our lives dull and miserable. These three things can easily take over our lives and once part of our lives we can see nothing but unhappiness. Very little do we know that we can become happy again and learn to appreciate the feeling of love again through love affirmations. A love affirmation is a simple statement that we continually say to ourselves, which, over time, can help to bring about permanent changes in our lives.

Love affirmations help us to rediscover the love we have lost. An affirmation is a thought that we have during the day which is directly linked to our sub-consciousness. These love affirmations guide our sub-consciousness into a certain direction which can either have positive or negative effective.

To bring about a change in our lives through love affirmation we first need to start thinking positively and wave a good-bye to all our negative thoughts which leads to a unhappy life in the first place. For example instead of ‘nobody loves me’ start thinking ‘everybody loves me’. The key behind reuniting with love is to start loving yourself in the first place and feel confident about you. Adopting a positive love affirmation about yourself such as ‘I was born out of love’ can be very helpful in helping you regain your self esteem after a breakup or a rough fight.

Secondly change your attitude towards others. Respect their feelings and think that everyone deserves love just like you do. Once you adopt this love affirmation, love will find you. You will no longer see life as miserable but will find it to be filled with love.

Wording used in love affirmation is of great significance. Only use words that are simple and can be easily accepted by your mind, only then will power of love affirmations work. Preferably try to use word ‘love’ when making use of a love affirmation. Something along the lines of ‘I am worth loving’ or ‘I will find my true love’ or ‘I am committed to loving …’ are all good examples of love affirmations.

Love affirmation can not only be used to find love for yourself but it is also about discovering God’s love. For example thinking ‘I will love others as extensions of my own Self, and of the love I feel from God.’ will draw you nearer to God and His universal love.

Love affirmation also helps you understand your companion and builds a strong bond between couples. Even to find romance you first need to find your inner-love which can only be achieved through love affirmation.

Love affirmation can also be used to draw ourselves closer towards nature. Learn to love nature and most importantly spend time with nature more often. Try thinking about good things such as ‘I love the smell of fresh flower’ or ‘I feel refreshed’.

To get used to love affirmation, note down any positive thought you have during the day maybe on a piece of card or whichever way is convenient to you. During initial stages of love affirmation technique we might get negative thoughts as well. Note these negative affirmations as well and at the end of each day try replacing them with something more fruitful thought. Review your affirmations twice a day to have a maximum effect of love affirmation. Initially it takes time to step out of a dark miserable world but once you succeed in taking a step nothing can stop you and with the help from repeated love affirmations you will ultimately stop at nothing but love.

Robert Watson is a certified hypnotherapist with the ABH and the NGH, and has worked with affirmations and subliminal messages for over ten years. Visit his Subliminal Messages [http://subliminal.green-machine.info] website for more information about using affirmations and subliminal messages to help you lose weight, quit smoking, have a more positive outlook and more.

Differences in the Types of Auctions That Take Place Around the World

Differences in the Types of Auctions That Take Place Around the World

Auctions are those events where properties or goods are sold to the highest bidder. Auctions are mostly public events, where bidders make a series of bids and purchase a particular item for a high price. During auctions, bidders decide the price of an item rather than the seller. It depends on bidders to decide the amount they would want to pay for a specific item. During an auction, a bid is a proof of a legal binding. Bidders agree to pay the amount that they have bid. In a high profile auction, bidders may have to pay a deposit in escrow accounts or give a proof that they can pay for those items.

Types of Auctions:

Different types of auctions take place around the world. Below mentioned are some types of auctions:

1. English auction:

This is a basic type of auction. In this type, people can see the item and then start bidding. Bidders slowly raise the value of their bid until everyone gives up. The highest bidder is the winner. An auctioneer manages an auction, keeps records of the on going bid and decides the winner. Sometimes, the seller will quote a minimum amount for an item to the auctioneer, below which the auctioneer cannot sell that item.

2. Dutch auction:

In this type, the auctioneer sets a particular price and then gradually lowers the price. People in public will start bidding and later decide which prices are suitable for the item. A seller may use this type of auction to sell large quantities of same products to the public. For instance, a seller may want to sell a large amount of hay and will thus, decide to sell this hay to people for the same amount, once a reasonable price is decided.

3. Silent auction:

In this type, the bidders in public will present their bids in a sealed format. These sealed bids open at the same time and bidder with the highest bid wins. There could be a modification in this type of auction. The bidders are allotted a specific period to bid. They can roam in a room displaying the items, and write their bids on an associated sheet of paper. The bidders are allowed to see bids of other bidders and can choose a higher price for an item. At the end of the allotted time, bidder with the highest bid is the winner.

Examples of Auctions:

Auctions can be of two types either public or private. Sellers may trade any kind of items in both types of auctions. Some areas where auctions take place are:

1. Antique auction: An antique auction consists of a trade opportunity as well as provides entertainment.

2. Collectable auction: In a collectable auction, the seller may put up collectables like coins, vintage cars, luxury, stamps, real estate, and luxury for sale.

3. Wine auction: In wine auction, bidders can bid for rare wine, which may not be available in retail wine shops.

4. Horse auction: Bidders can bid for young horses of the best breed.

5. Livestock auction: In livestock auction, bidders can buy pigs, sheep, cattle, and other livestock.

The other examples of auctions may not be public. These auctions are for bidders from corporate levels. Some examples of private auctions are:

1. Timber auction

2. Spectrum auction

3. Electricity auction

4. Debit auction

5. Environmental auction

6. Auto auction

7. Electronic market auction

8. Sales of business auction

Bidders in an auction need to examine the items displayed and decide an appropriate price for an item. Thus, auctions help buyers in getting the best deals and in gaining better profits for sellers.

Differences in the Types of Auctions That Take Place Around the World

Differences in the Types of Auctions That Take Place Around the World

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Affirmations are simply statements that we make to ourselves; it’s our self-talk. You use affirmations all the time, whether you’re doing so intentionally or unintentionally. If you make a mistake and you think to yourself, “I’m always making mistakes, I never do anything right”, you’ve just made a negative affirmation. If instead you make a mistake and you think to yourself, “That’s OK, I have the ability to correct this”, you’ve just made a positive affirmation.

Your self-talk has an enormous impact on your conscious and subconscious minds. By repeating positive affirmations you can reprogram your thought patterns. Creating new thought patterns will allow you to begin to change your underlying beliefs and the way that you think and feel about yourself, others, and your place in the world. In this way, you can improve your life dramatically through the use of daily positive affirmations.

Choosing Your Affirmations

Shakti Gawain, author of Creative Visualization, offers the following advice for choosing your affirmations:

o Always phrase your affirmations in the present tense, as if it already exists. Say “I enjoy being at my ideal weight” instead of saying “I will reach my ideal weight.”

o Affirm what you want, not what you don’t want. Instead of saying “I am no longer a procrastinator”, say “I always get things done on time.”

o Don’t simply go through your affirmations by rote; add positive feelings and emotions to your affirmations.

o Choose affirmations that feel right for you. If you come across an affirmation that you like but you would feel more comfortable changing a couple of words, go right ahead.

Use Three Different Pronouns

A technique that you can apply to make your affirmations more effective is to write down the same affirmation using different pronouns. For example, if you want to affirm that you’re surrounded by positive people who want the best for you, you can write down the following three affirmations (in this example your name is Joan):

o I am surrounded by positive people who want the best for me.

o Joan, you are surrounded by positive people who want the best for you.

o Joan is surrounded by positive people who want the best for her.

When you say affirmations in the second and third person it’s as if someone else is talking to you or about you. Your internal critic is less apt to interject a negative comment if it thinks someone else is making these positive affirmations about you.

Affirmations Can Be General or Specific

Affirmations can be general or they can be very specific. Some examples of general affirmations are the following:

o Abundance is all around me.

o Abundance is my birthright.

o There is more than enough for all.

Use general affirmations to “set the stage”. Once you’ve established clear, well-defined goals for yourself you can create specific affirmations to help keep you focused on your goals and to strengthen your belief in your ability to reach your goals. For example, if your goal is to lose 10 pounds in the next three months by exercising, your affirmations could be the following:

o I now jog for 40 minutes, 4 times a week.

o Jogging helps me to lose weight and makes me healthy and fit.

o I am now lifting weights 3 times a week.

o I enjoy going to the gym and lifting weights.

o I am getting excellent results from jogging and weight lifting, and it shows.

o Every day I am getting fitter and fitter.

o I now weigh X amount of pounds (your target weight).

o People comment on how much thinner I am and how good I look.

You Have to Be Able to Believe Your Affirmations

Whenever you choose to change anything in your life, you’re choosing to move out of your present comfort zone. We should always strive to grow and expand our definition of ourselves and of what we are capable of. However, you have to make sure that your affirmations are not so far off from where you are at the moment that there’s no way you can get yourself to believe what you’re affirming.

If you don’t believe the affirmations you’re saying to yourself, then you need to start with a less ambitious affirmation and gradually make your affirmations bigger and bigger. For example, if you currently make $3,000.00 a month, it may be difficult for you to believe “I am now making $50,000.00 a month”. However, you can probably believe the following affirmation: “I am now making $4,500.00, or more, a month”. As you move forward and begin to see results you can progressively increase this number until you do feel comfortable affirming that you make over half a million dollars a year.

Repeat Your Affirmations Often

There is much power in repetition. Positive affirmations are not something that you do once in a while, instead, you should expose your mind to the affirmations that you choose for yourself as often as possible. In the words of Robert Collier: “Constant repetition carries conviction.”

Write down your affirmations and place them where you can refer to them often (you can even carry them around in your wallet). You can say them out loud to yourself every morning when you wake up and at night before going to bed, or you can set aside a few minutes each day to scribble them on a sheet of paper several times to help reinforce the message in your mind.

Taping the affirmations in your own voice and listening to the tape while you’re relaxing-or, even better, meditating– has had extraordinary effects for countless people. Louise Hay, author of the International bestseller “You Can Heal Your Life”, recommends that you sing or chant your affirmations. Some people leave a CD with positive affirmations playing softly in the background while they sleep at night.

In addition, there are several programs that allow affirmations to flash on and off on your computer screen unobtrusively, helping to program these affirmations into your subconscious.

Affirmation Bath

Practitioners who offer healing workshops often use a technique called “affirmation bath”. Basically, several people stand around one person and they all begin saying positive affirmations directed toward that person. The person is “engulfed” by positive messages from others. You can try this technique if you can find several like-minded people to participate in this exercise with you.

Release Any Negative Feelings That Arise

Negative feelings can act as self-imposed stop signs to getting what you want in life. If you feel any discomfort, self-doubt, fear, anger, and so on when saying your affirmations, you need to let go or release these negative feelings. One way to do this is by using the Sedona Method. As stated before, you have to add positive feelings and emotions to your affirmations, and if negative feelings are getting in the way, you need to be able to let go of them.

Your self-talk can either prevent you from getting what you want in life, or it can be a powerful catalyst for creating the life you’ve always wanted. Create a daily practice of using positive affirmations to help motivate, support, and inspire you to go after your dreams.

Written by Marelisa Fábrega who blogs at http://abundance-blog.marelisa-online.com

Words of affirmation are so prevalent, important, and powerful but yet subtle, so subtle that we don’t even notice it being the underlining governor in our minds and in our life’s experiences. Words of affirmation have conditioned us in ways that most people have not even considered in their adult years.

For instance, we have been conditioned from school, through things like mathematics, to create problems for ourselves over and over again. Through all of the different equations we had to find to solve all of the many problem-solving questions that math teachers gave their students, and still are giving them today… we have been conditioned to create problems for ourselves. This can be turned into good if it forces us to find solutions to where our attention and focus are more steered toward solutions but unfortunately with the mental overwhelming of mind activity, and lack of concentration, we focus more on the problems and create more problems for ourselves.

But on a subconscious level we have seen the words “Problem Solving” so much in our youth that we have hardwired our brains to search out and notice problems just to solve them for the chemical rush of being right, which can put us in a state to refining our skills in that area. But most schools, at the same time of flooding students with problems to solve, have numerous intellectual commitments, assignments, test, exams, essay papers and many other things that keep the mind at a constant turbulent multi tasking state.

This unfortunately makes it harder for kids to realize and expand their talents and concentration skills and interest because they are mentally tired from all of the requirements of problem solving. Whenever things seem to be going right, the minds is conditioned to seek out a problem that is hidden and the world respond and bring us situations to deal with that we interpret as problems to solve.

Not a lot of attention was put into concentration, contemplation, mental rehearsal and imagination. More of the attention was on problem solving and measuring apartness and separation and calculating reactions and implementing solutions. This can be effective if used rightly but we fail to ascend from the problematic limited way of thinking to the expressions of creativity, abundance and infinite possibilities ways of thinking.

This same mentality has creeped into the minds of most adults and the word job is the new school for problem solving mechanisms using some form of “work”. We have forgotten unconditional love and hardwired our families to be computers to survive in this tough financial problem solving society.

The love has been striped out of families for survival because on an unconscious level we have prepared and organized our brains to seek out problems to solve without us even knowing it which cripples the idea of enhancing and refining our skill to strategies and master challenges in a subconscious and automatic implicit way for a desired outcome using concentration and pure powerful thinking.

We seem to have been stuck in a problem-seeking mode and when we get overwhelmed we go on vacation with the family to catch up on expressing love and life. Our spirit guide knows that it needs love to continue life’s full expression rather our minds allow it or not. This is what creates the imbalance in our wholeness because our intent in mind is different than our intent in heart.

We have been programmed to survive and as parents we sometimes see our kids as motivation to survive which works for a while but you naturally need to Love, Love and Love first. Seek the way of the creator first and your needs will be meet. But we have been delivered from youth, certain problematic words of affirmation in our DNA unconsciously, that has implicitly become our automatic behaviors and ways of thinking.

Love and life has become secondary to surviving. What a tiresome way of living life. Oh lets survive by getting a job, paying bills and keeping a roof over our heads, food on the table and clothes on our backs and then when we have time we will pay attention to one another.

I am explaining the high maintenance family who is conditioned to work, work and work to live and find time to play in between some how. They are prime examples of the conditioning of creating problems over and over again to have to deal with when our minds cannot consciously manage all of the problems we have created with the constant exposure to problematic words of affirmation.

The people who master these problem-solving techniques become our leaders in government, education, media and mainstream. They set the tone and reinforce a system that creates a world of chaos and limitations because all the problems are based on limitation, apartness, labels and division and we have identified our selves and who we think we are with our ability to solve problems.

This is why the entrepreneur world is so big because there are so many problems and an entrepreneur is no more than some one who solves problems and address needs for people for a profit. Helping the needy has become life’s purpose because the parasite exists in the minds of the poverties but Christ consciousness is the keys to full fill this gap. There are many needs in this world because the adversary, through mind, has kept the knowledge away from us of how to create abundance instead of limitations.

From the jump early school systems painted the picture of education that they wanted us to see so that we will live a life of trading time in for ends meet. They know time is limited, which is a problem for us, if that is what you have to rely on to survive. They have mentally equipped us to be in a rat race of specific problems that we had no part in creating. We are at the bottom of the employee food chain acting out as parts of the equation that the successful problem solver has put in place and created a business out of.

This may seem all to coincidental or distant for a lot of people but I assure you if you look deeper you will see that the underlining words of affirmation that has been hardwired in our intellect corresponds equally to

what we believe and what we manifest in our present reality.

The very few wealthy people in the world have surpassed this limited way of thinking and they see that there are no limitation problems in the now. They see what most people label as problems as challenges that they have learned to graciously overcome. They have implanted into their memory program a new set of words of affirmation. Affirmations are so effective in our lives rather we are affirming abundance or limitation. Whatever you organize your brain to tell you is what it will produce.

Most people do not realize that words of affirmation works on an unconscious level in a very big way. Our unconscious thoughts produce measurable changes in our physiology but most people are not aware of the unconscious thinking in their heads. If you are worrying about some future moment in the back of your head and you can’t consciously remember exactly what it is your worrying about at that moment, you are affirming some form of words that have been planted in your subconscious.

We have been conditioned by time to treat the present moment as a problem or an obstacle that needs to be over come. Some how we have gotten stuck in the “oh no its another problem” mode. The idea of no problems but only challenges and solutions starts to make your brain works differently but that different feeling is the unknown. The familiar is so seductive because we can relate to what a problem feels like.

PEACE AFFIRMATIONS

We have not hardwired our brain to experience a reflection of paradise with ultimate peace and only love because of the parasite in our mind that keeps the past alive. Every time we think there is no problems, the body and mind conditioned past finds a problem. Christ tried to present us another way of living when he implied to his followers that they should live like nature. He said look at the lilies and the birds. See how they grow with no stress or toil. You can live like that too.

The only way we can live like that is through the thoughts we choose to focus on in this moment. In order to live like the lily your thoughts has to be natural and clear like the growth of the lily. We must allow life to be freely with an attitude of peace and wholeness no matter what the present circumstance. This action creates a reaction of peace in the future.

The karma for a natural flower is natural beauty because it’s action and reaction is natural with no distress and rooted in love. It takes in just enough solar energy and water and the roots grow and create beauty on the outside through the creators love. The only thing that gets in the way of us living our lives so peacefully like the Lilly and the bird is fear in the human mind. We have lost control of it do to the conditioning of problem solving words of affirmation.

We have to gain control of our subconscious memory system and alter our attention to abundant words of affirmation. We have been condition by school for most of our early years so more than likely you have to unlearn some things you’ve been taught. Whatever words of affirmation you have plant in your mental garden, will be the same words that grows in your physical world as manifestation of things and reality and now is the time to pluck up roots and plant new seeds.

Then the new seeds of abundance have to become deeply rooted and implicit so that it can be automatic. Peace and love becomes second nature and all other needs are added as a result of producing compassion now.

Words of Affirmations effect life in many different areas

· Affirmations for healing

· Affirmations for abundance

· Affirmations for wealth

· Self Confidence Affirmations

· Positive Thinking Affirmations

· Affirmations of Happiness

· Affirmations for Money

· Affirmations for Relationships

· Audio Affirmation

Pluck up the negative words of affirmations that creeped in unconsciously through

· Affirmations of Problems

· Affirmations of Limitation

· Affirmations of Disease

· Affirmations of Anger

· Affirmations of Fighting

· Affirmations of Surviving

· Affirmations of Fear

· Affirmations of Victim

These words of affirmations come in through many ways- from what we read, what we see on televisions and the news, what we learned in school, what we experience at work, what we hear on radio, what we perceive from others, what we see in hospitals, what we experience through drama and chaotic episodes, what we hear in church and what we learn from surviving life situations.

Our conscious mind is like a compass and it guides our subconscious by the words of affirmations we hold in our mind and make more real than anything else. Words are thoughts externalized and as a man think in his heart, so is he. This explains why we become what we have affirmed implicitly. Our spirit guide has to plant new affirmations but first it must make unconscious negative affirmations conscious so that we can recognize it and be in a position to choose a different way of affirming our experiences continuously.

We are constantly affirming reality through the words of affirmations we have stored in our storehouse of affirmations. If we have affirmed going to school, getting good grades and graduating and going to college then working for 8 hours a day, 40 hours a week for 40 years and retire, then rest assure you will get exactly that.

Bill Gates wired into his brain a different set of affirmations than the large crowd. He stepped out of the norm and created Microsoft words of affirmation and this stepping out of the norm yielded him a life that stands apart from the normal affirmations of lack. The few people who followed him took on a new mental organization in which they believed enough in his affirmation of abundance in computer programs.

What words have you affirmed in your mind? Have you affirmed problems or have you affirmed abundance? Have you focused more attentions on bills and confrontations or have you focused more on wealth and peace? Where is your point of awareness?

How are you implicitly affirmed to react to challenges in your life situations? Have you mentally prepared yourself to respond to money as of though it is abundant or have you prepared your response to be one of lack and not enough? If you look closely at how you feel and the certain way you act towards money you will see that your world and experiences about money comes to you in an exact proportion of your corresponding inner state.

We can only perceive what our brain is organized to tell us. Perhaps the reason why we have not perceive the life of a millionaire is because we have not organized our brains to attain millionaire status. A millionaire thought is a millionaire seed.

http://www.millionaireaffirmations.com/

Do you have questions on affirmations? Do you wonder what they are and how to use them? Are you stumped when it comes to writing affirmations of your own? If any of the above rings true for you this series on affirmations will be very useful for you.

I have received more than a few inquiries regarding affirmations with particular requests for sample affirmations on a variety of different subject matter. Affirmations are really any thought that you think or say out-loud or to yourself all of the time.

For our intent and purposes we will refer to affirmations as being statements said with intention. You are no longer letting your mind wonder away with whatever gibberish that may have previously been common place. You are taking control of your thoughts; you are giving them your attention for your desires.

Any positive thing you say to yourself is good for your overall well-being and state of mind. However, I do believe that you’ll find your affirmations more useful if you tailor them specifically to you and your situation much like a tailor would fit you for a custom fit jacket.

Use whatever affirmations below that you like and that feel right with you. Then, once you’re comfortable, start to write some of your own that are specific to you and your ideal state.

Emotions Affect Affirmations

Remember that your affirmations are going to be much more affective that much faster if you can invoke your emotions while saying them. Your thoughts are energy and your emotions put those thoughts into motion.

You stir up a much stronger emotional response when you raise your voice and vary your inflection oppose to when you just read something off in a monotone voice.

Your emotions will be stronger still if you give your attention to the words as you say them instead of uttering the words with your mouth while your mind is wondering off on anything other than the task at hand.

Thoughts are energy and the emotions you put behind your thoughts set your life in motion. If you constantly are affirming that money is hard to come by, then don’t be surprised if you receive small raises from your employer, barely meet your social obligations, and have trouble accumulating wealth.

When did Negative Thinking Start

You’ve likely been thinking this way for a long time and if it were working for you I doubt that you’d be here, reading this article. Thinking in a way that doesn’t suite you was most likely thrust upon you as a young child by people who had learned to think and act the way they did from the people that surrounded them as a child.

Now here you sit with so much knowledge literally at your fingertips and you realize that you have the power to change your experience. It may seem too easy but I say… it’s just as easy as it should be.

Mirror Affirmations

If you don’t spend much of any time looking into your own eyes I can’t recommend doing it enough. I’ve done this before I even fully understood the significance or the impact of it. For me it feels like reconnecting to something within myself, like I was starring into something that knew and understood my many anguishes. Which is true, no one understands me and my experiences the way I do.

Looking into my own eyes gives me great comfort and peace and brings me back to the present moment when I have slipped off into worry about the future or sadness about the past. I am comforted and soothed with a calm that words just don’t seem to measure properly.

Another way to look at this is to realize that some of the most powerful and emotionally striking messages we’ve received have been from others who looked us directly in the eye.

You taking the time to look into your own eyes when you say something solidifies the importance and the power of your own message.

But seriously, don’t take my word for it, try it for yourself. Look into your eyes and just say hello, say I love you, or any one of the many affirmations listed below.

If you’re scoffing at this idea remember how many times you’ve stood in front of the mirror getting ready or passed by your reflection and let out a deep and heavy-hearted sigh at some aspect of your body that just measure up to how you’d like it to be.

Recall the countless times you condemned yourself for not being better at something or for not doing more in a day.

The only difference here is that instead of affirming something negative about yourself you are affirming something positive about yourself.

You can change your thinking and thereby your experience by taking control of your thoughts. You must realize that you have a say in what plays in your mind. You do not have to think thoughts that don’t suite you.

As Wayne Dyer says, “Change your thoughts and you will change your life.”

Writing Your Affirmations

When you write out affirmations of your own then do so describing your ideal situations and be specific, be crystal clear on exactly what you would like to experience. Write each one 10 times to really get them imprinted on your mind.

Relationship Affirmations

Below are affirmations concerning relationships. If you are not presently in a relationship the idea here is to be thinking only of the ideal relationship you desire. If you continually think of your relationship disasters then you will go on to have similar experiences as you try to move your life forward.

If you are in a relationship and wish to tailor these affirmations, then you would say something like, “Joan and I are very patient with each other.”

* My partner and I are very patient with each other.

* My partner and I are very understanding of each other.

* My partner and I hug, touch, and kiss each other all the time.

* My partner and I have a wonderful sex life.

* My partner and I are very affectionate with each other.

* My partner and I have great respect for each other.

* My partner and I are very considerate of each other.

* My partner and I genuinely enjoy each others company.

* My partner and I love to cook with each other.

* My partner and I laugh together all the time.

* My partner and I have a wonderful friendship.

* My partner and I have lives outside of our relationship.

* My partner is comfortable within his own skin.

* My partner cares about my feelings.

* My partner is honest even when it’s not easy.

* My partner has great integrity.

* My partner is a great kisser.

* My partner takes excellent care of his physical, mental, and spiritual health.

* My partner has goals and takes action to move himself towards them.

* My partner will try most anything at least once.

* My partner treats others with respect and appreciation.

* My partner appreciates affection.

* My partner is a little goofy and silly at times.

* My partner makes me laugh.

* My partner laughs more than he scowls.

* My partner loves the time he spends with family and friends.

* My partner enjoys a bit of travel.

What’s Next

The positive talk is great in helping you feel better and is instrumental in bringing better experiences into your life. But you’re not likely to find your ideal match sitting on your couch when you return from the bathroom during a commercial break of your favorite sit-com. You must give your words action.

You must go places, you must do things, and you must interact with the world. For example, if you’ve always wanted to learn how to khaki then take a community course with a friend, you never know who will be doing the same.

If you like to read, do so in a public place. Simply go to a coffee shop for a while, have some tea, and read for an hour or so. Join a club and become activity in the things that interest you. You are surrounding yourself with like minded people, and you are further allowing the universe to do its job.

If you want someone to cuddle you on those chili evenings you have to put yourself out into the world.

How to Use These Affirmations

Set aside a few minutes each day, preferably first thing in the morning or right before bed when your subconscious mind seems most open. Invoke your emotions, sit in front of the mirror, look into those beautiful eyes of yours and proclaim your affirmation. Get excited about the new life you are beginning, think about the new possibilities and adventures.

Give yourself praise for being brave and busting out of an old and familiar way that was getting you nowhere.

The more persistent you are with an affirmation the more it becomes the natural nature of your thoughts. You will be surprised and delighted at how differently you feel after only a short time of affirming your best life.

I hope you were able to find some relationship affirmations that work for you. If you have a relationship affirmation you’d like to share, a constructive comment to leave, or a question of your own please contact me at http://www.kimchelltalk.com.

Most Sincerely,

KimChell Haskell

KimChell [Kim-Shell] Talk is a simple reference guide designed to inspire you to transform your Self from a reader to a doer.

We strive to help you shed your disempowering thoughts, words, and actions with the free content found throughout http://www.kimchelltalk.com.

Life is a journey… not a destination point. We want to help you dance along your course as if no one is watching you, sing as if no one can hear you, and enjoy the many pleasures of life. So we wish you many happy trails.

A Great Place For Art Lovers!

A Great Place For Art Lovers!

If you are an art lover, than you probably want to see and study it as much as possible. There are great art books, websites, and even movies that showcase great art. However, there is really no better experience for the art lover, than to see great art in person at an art gallery.

You may hope to one day travel overseas to a famous art gallery or museum in Paris or Rome. However, you might be surprised at how great the art is in your own area. Check your phone book in the yellow pages under art. Also, you can look online, using search engines. Type in art . Even though you will not get to see the original Mona Lisa, you will likely see some good modern art. In addition, you will be supporting a local “starving artist.”

There is another great reason to check out the local art. If you are redecorating your home, a local art gallery might be a good place to visit. You can find beautiful, original paintings or sculptures to add beauty to your home. When others ask you about where you got your art, it can start a conversation about your area. You can refer your visitors to the local artist, once again giving them your support.

Obviously, you are saving a lot of money by purchasing local art as well. Your larger art galleries will typically sell art as well. However, you may pay a larger price. It depends on whether you are into art for looks or prestige.

If nothing else, visiting your local art gallery will be a great experience in culture for you and your family. Some galleries host family free days during the week. Taking your kids to the gallery would be a great and fun way to introduce them to the world of art. Of course, you will need to let them know the rules for behavior in a gallery. They need to know that they should not touch anything, and keep their voices down. Art galleries typically enjoy having children visit, though.

Many art museums host special exhibits, some which travel around the country to different museums. You can probably sign up for the online mailing list to be informed about special exhibits that are coming to the museum. This would be a great time to take your children to the museum for the first time.

There are many reasons to visit a local art museum. One, you get to see great art that was locally created. Two, you can purchase low priced art for your home, while supporting local artists. And, last but not least, you can introduce your children to culture and art.

A Great Place For Art Lovers!

A Great Place For Art Lovers!

Lucy Bushman is an accomplished niche website developer and author.

To learn more about art galleries [http://fineartoftheworld.info/a-great-place-for-art-lovers], please visit Fine Art of the World [http://fineartoftheworld.info] for current articles and discussions.

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Commitment Phobia – Love and Fear Can Not Exist in the Same Place

Commitment Phobia – Love and Fear Can Not Exist in the Same Place

When a person is commitment phobic, love and fear can exist in the same place. Commitment Phobia is fear and fear is the core of the phobia “fear of commitment”. Fear feeds the commitment phobia. Therefore, love and fear can and does exist in the same place for a Commitment Phobic person and the fear is very real.

I decided to write this article based on my prior experience and knowledge of Commitment Phobia disorder. What I’ve learned is that Commitment phobia is a personality disorder, which allows one to have this disabling fear of commitment to just about anything in life, anything that is a long term or involves signing a contract or investing to much time in one person, place or thing. Depending on the person these behaviors may vary and may come in different forms and unless aware of this a commitment phobic will often sabotage a good thing just so they do not get hurt. Commitment Phobic people are notorious for dating emotionally unavailable people, perhaps a married person or an unattainable person (someone who lives far away or travels a lot). These are just a few examples. This is safe because it is almost a given that this relationship will not work and the commitment phobic will not have to commit 100% to this relationship, so it’s safe, until the other person wants more from the commitment phobic person. Then this is where the problem can occur in the relationship and the problems will begin.

The commitment phobic is afraid of a long term commitment. Most of the time commitment phobic people make poor decisions based on the wrong reasons. (Fear) For example, not being fully honest with the other person from the start and then ending up hurting that person by leaving them abruptly without warning or reason. Imagine just getting fed up one day and getting up and quitting your job. This is normal behavior for a commitment phobic person. They tend to make decisions based on their needs only and do not consider anyone else’s needs or feelings first. Usually they never have children and if they do they are not planned. They seldom own any property and usually have very little furniture in their home. If you take notice of a commitment phobic person’s home it’s pretty empty you will not see anything that is really permanent. The reason for this is so that it’s easy to escape when they feel the need to run. On the other hand some do marry and have children but if the commitment phobic is not aware of their problem and working on it, their marriages suffer greatly and can be very lonely for his/her spouse. Their children and spouse pay the price for just loving this person.

I would like to conclude this article by saying that Commitment Phobia can come in many different forms and can affect one’s life in many different ways, but the one thing we all have in common is the fear of commitment, the commitment to anything that is bonding. There is only one way to conquer and beat Commitment Phobia, and that’s to face it head on. Talk to your partner, be honest and admit it and seek professional help if needed. If your partner truly loves you he/she will help you work it through. Having commitment phobia can be extremely lonely and bewildering but there is a lot of help out there and books to read as well. Remember do not be afraid to trace it, face it and erase your fear. Good luck!

Commitment Phobia – Love and Fear Can Not Exist in the Same Place

Commitment Phobia - Love and Fear Can Not Exist in the Same Place

Find more articles about relationships and dating tips and secrets. Learn more about Commitment phobics at 10wayshowto.com

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