A credit score is always considered to be a crucial factor for availing any loan. If your credit score is less than perfect, and your loan application has been turned down by the lenders, then you should not get disheartened. You should keep on trying, as the loan criteria depends from lender to lender.

Bad credit personal loans would be a viable solution for those who have a poor credit score. This loan type not only caters to your financial problems, but it can give you an ample opportunity to restore your credit score. Getting loans are becoming easier these days. With the help of online loans, you can seek finances from the comfort of your home.

Bad credit loans can be used for the purpose of buying a car, going for a holiday trip, consolidating your multiple debts, home improvement or wedding purposes.

The interest rates for personal loans depends upon your credit score, presence of collateral, personal income and loan amount. The credit score is an important factor in determining the interest rates.

The lenders prefer to offer a secured bad credit personal loan to the people who have a poor credit score, as they want to reduce their risk. Homeowners can avail a secured loan by putting their home as collateral. The lenders offer the loan amount according to the equity present in your home. The borrowers can seek a loan amount up to 125 percent of the value of their home.

Though, unsecured personal loans can also be sought by the people who have an adverse credit history. But, you may have to pay high interest rates with this loan type. Generally, the lenders offer a loan from £500 to £ 15000 with an unsecured option. The processing of this loan is faster, because the valuation of the property is not involved in this case.

You can approach various lending agencies like high-street banks, building societies and private lenders. It is better to shop around in the loan market and find a good loan deal.

About the author:The author is a business writer specializing in finance and credit products and has written authoritative articles on the finance industry. He has done masters in Business Administration and is currently assisting online-unsecured-loans as a finance specialist. For more information please visit at http://www.online-unsecured-loans.co.uk

For novice guitar players, learning to play chords can seem daunting. Watching skilled guitarists, it seems effortless, but actually doing it yourself may prove a bit more challenging. However, as with anything, regular practice and an understanding of the basics can make guitar chords more accessible than you think. While playing one-string melodies can be a fun way to get accustomed to guitar playing, the true personality and flavor of guitar music relies on chords.

What is a guitar chord? Simply put, a chord is performed by striking two or more strings on a guitar. More specifically, this generally involves playing some combination of fretted and open strings. For instance, the A5 chord is played by holding down the second fret of the D string, and striking both the A and D string together. The A major, on the hand, requires the second frets of the D, G, and B strings to be held down, and all strings except the low E string to be played.

One of the big challenges in playing guitar chords is the need to use several fingers in a relatively cramped space, while putting even pressure on each fret, all while ensuring you only strike the strings you’re supposed to. It can be challenging at first, but it does get easier with practice. Some more complex chords require multiple strings to be fretted by the same finger (barre chords), requiring even more finger flexibility. Perhaps the most challenging aspect of chords is the need to quickly and smoothly transition from one chord to the next. Again, experienced players make this look like a cinch, but it does take some getting used to.

To help learn how to finger certain chords, there are many easy-to-follow tools available to the novice player. Guitar chord diagrams may be the easiest to understand when practicing chords. These are basic diagrams that show the basic layout of a guitar neck (vertically), and notate which frets to press and which strings to strike. Guitar tablature (tabs) work in a similar fashion, and show you how to finger the chord while actually playing a song. Here, the neck is shown horizontally as it would appear if the guitar were laying face up on your lap, and numbers on each string indicate which fret should be held. For example, a “1″ on the G string would indicated that the 1st fret should be pressed, while a “0″ would mean the string should be played open. No number means the string is not played at all.

While learning guitar chords does take some work, it is well worth the effort. Chords give new depth and richness to guitar music that can’t be achieved by playing single strings. Look online for resources for learning how to play different chords, such as chord diagrams and guitar tabs. With perserverance, it won’t be long until chords come naturally and require almost no effort or extra thought.

TeachYourselfHowToPlayGuitar is an online portal with expert articles about essential guitar tips and guides. To learn more about how to effectively learn to play the guitar, visit http://www.teachyourselfhowtoplayguitar.com for free access.

Shift workers perform vital tasks whether their work is in hospitals, in the emergency service, the police force, or in travel, transportation or manufacturing industries. However, in most cases, shift workers do not get enough quality sleep. Often it is difficult for them to remain alert at night, yet just as heard to fall asleep during the day, and the sleep that they do get is less restorative than that of night sleepers.

The human body naturally follows a 24-hour period of wakefulness and sleepiness that is regulated by an internal “circadian” clock. This clock, which we have in common with all other living creatures and plants, is linked to natural’s cycle of light and darkness, and helps to regulate body temperature, hormones, heart rate and other functions. The natural urge to sleep in humans is strongest between midnight and 6 a.m and it is very difficult it to want to sleep at other times.

Bright lights and regular sleep wake cycle can help shift workers to avoid sleep problems and the turmoil they often create. And melatonin, it appears from much research, can play a supplementary role. The word supplementary is important: on its own, melatonin is not remarkably helpful. But as part of a broader program, it provides real benefits.

Using bright light is a key part of this broader program. This can be accomplished in several ways. Bright light in the workplace is one method. Bright light goggles are effective, but often are too cumbersome. The newest research indicates that exposing certain parts of the body specially, behind the knee can also help shift worker. Why this spot is effective is unknown.

Just as exposure to bright light is important during work, limiting bright light is vital at other times. If night shift worker are driving home in the morning, the bright sunlight can play tricks on their bodies. Wearing dark sunglasses can signal the body to stop producing and start releasing melatonin. But if you stay out in the sunlight, this won’t happen and you won’t become sleepy. The melatonin dosage should then be taken 2 to 3 hours before bedtime.

The following tips may help shift workers to set the scene for a more restful and restorative sleep:

• Take a warm bath before bed
• Darken the bathroom
• Use some sort of “white noise”, such as a fan, to block out other household noises.
• Avoid caffeine within 5 hours of bedtime
• Avoid the temptation to drink alcohol after work. It may help you to relax and unwind, but it also interferes with sleep, causing disturbances.
• Eat a light snack before going to sleep. Don’t go to bed too full or too hungry.
• If you do nay form of exercise in the workplace, it is extremely important that you do so at least 3 hours before you bedtime since this cause stimulation and raise the body temperature which can interfere with sleep.

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Even top of the line guitars need a little care and maintenance in order to sound phenomenal. From minor maintenance, such as replacing worn strings, to more significant adjustments, such as neck realignment, taking care of your guitar ensures that it always sounds its best. One of the most minor steps in guitar care is guitar tuning. An untuned guitar can sound out of key, generate excessive “buzzing”, and even be more difficult to play.

Guitar strings extend from the headstock, or the top of the guitar, to the bridge, where the strings are attached to the body. In order for a guitar to play properly, these strings must have the correct tension. If the strings are too tight, they will key higher and sharper, and the “action” (the space between the strings and the frets) will be greater. The greater the action, the more difficult it is to properly press the strings against the frets. When strings are too loose, the guitar will generate lower, flatter notes, and there is an increased possibility of “buzzing”, which is caused by strings vibrating against the frets. However, a properly tuned guitar sounds crisp, clear, and on-key, and plays comfortably.

The process of guitar tuning is relatively simple. Novice guitar players may benefit from a few tools that make the process even easier, and more accurate. There are a variety of guitar tuners available. Some play a note in perfect pitch, allowing you to hear how your notes should sound. These are often very basic, and quite inexpensive. Some more sophisticated models can also detect a note as you play it, and indicate how far off-key (and in which direction) the string is. There are even online tools that help you tune your guitar properly by playing a note in perfect pitch, and are very often completely free. For actually adjusting the strings, a basic peg winder can make turning the tuning pegs easier (and come in especially handy when replacing strings). With experience, you may be able to tune your guitar by ear - very handy for those moments when your tuning supplies aren’t close at hand.

Actually tuning the guitar is also fairly simple. The simplest process is to first tune the low E string (when holding the guitar, this is the first string from top to bottom). Use a tuner to determine how the low E should sound. If your note sounds sharper than the tuner, loosen the tension on the string. Do this in gradual steps, checking the result after each adjustment. If it sounds flatter than the tuner, increase tension, until the note sounds perfectly in key. Once you’ve adjusted the first string, the tuner isn’t necessary anymore, as you can tune the rest of your guitar according to each tuned string.

Once the low E string is tuned, you can move on to the next string. Hold down the fifth fret of the E string, and pluck it and the A string (unfretted) simultaneously. If the sound wavers or pulsates, the A string is out of tune. You can then pluck each string independently to determine how to adjust the A string. Once it is adjusted, you can move on to the next string. Now hold down the fifth fret of the A string, and pluck it and the D string. You can continue on in this way, fretting the newly-tuned string and its untuned neighbor:

(E String tuned with a tuner)
A String - Fifth Fret of E String, Open A String
D String - Fifth Fret of A String, Open D String
G String - Fifth Fret of D String, Open G String
B String - Fourth Fret of G String, Open B String
High E String - Fifth Fret of B String, Open E String

Once you’ve done it a few times, the process becomes second nature, and will only take a few moments. You’ll also quickly learn how to tell when your guitar is out of tune. Enjoy the rewards of your effort by creating perfectly tuned, clear notes from your guitar.

TeachYourselfHowToPlayGuitar is an online portal with expert articles about essential guitar tips and guides. To learn more about how to effectively learn to play the guitar, visit http://www.teachyourselfhowtoplayguitar.com for free access.

ABSTRACT

Visual merchandising a comparatively new career field in which has sprung up with the growing popularity of window and floor displays. Visual merchandisers main are of work is to create impossible window displays. They can find employment with fashion boutiques, shopping malls, euphoria etc. They are also engaged as shop floor mangers. They can also do freelancing on contract basis for windows displays in exhibitions, fares, and other places. Other career options under this head are production coordinator, quality control supervisor, fashion retailer, export manger etc. This paper discusses importance and potential for visual merchandising professionals.

Contents

INTRODUCTION

CRITICAL ISSUES OF VISUAL MERCHANDISING

ROLE OF VISUAL MERCHANDISING

SCOPE FOR CAREER DEVELOPMENT

INTRODUCTION

Selling a product (convenient/shopping/specialty) is incomplete without communicating its image. To build long term brand loyalty, in addition to the quality of the product, right image is very much needed. To attain this, many companies invest huge money the promotions. But many businesses neglect the retail front which is the face of the brands. In other words, the way the products are displayed at the retail shelves, the way the sales people communicate to the consumer etc. are the some of the issues, which if not handles well can be a great threat to the brands image. Visual merchandising is the art of presentation, which puts the merchandiser in focus. It educates the customers, creates desire and finally augments the selling process. This is an area where the Indian business people lack adequate knowledge and expertise. This inadequacy is best reflected in poor presentation/display and communication the various national and international exhibitions with phasing out of quantitative restrictions after the year 2004, the textile industry will have to compete purely on the competitive edge of the products and visual merchandising will be helpful for the projecting the uniqueness of the products and thereby increasing the market access and sales. It is high time that the Indian textile and clothing industry should understand and adopts the scientific and professional system of visual merchandising rather than the traditional practices of display of products and communication.

CRITICAL ISSUES OF VISUAL MERCHANDISING

Retailing them itself has transformed the way business is done and the so called merchandisers of disposition of store inventory. There are many ways and standard procedures to ignite sales, increase profits and maximize the net worth of the business. Visual merchandising helps in this respect. This calls for a concerted industry efforts to approximately value the importance of quality retail coverage such as self-integrity in store advertising, price verification, stock rotations, new item-cut and other related activities. To make effective the retail business one has to focus on the following critical issues of visual merchandising.

a)-Graphics and signage: attention grabbing yet clear graphics by way to visually communicate the brand and these graphics when compiled with the right signage become the stalls complete instruction manual.

b)-Trends and moot boards: This is misunderstood by many as mere decorations for the stall. The brand sources and moot boards convey the source, in fact the mere need of the product for the consumer to the buyer. A good trend story board display can exhibit a thought process nursing for the inspirations (research, to swatch development of the final usage of the product.

c)-Space management: Most displays concentrate on the floor management of space. In order to create a complete desired ambience the ceiling space should also be given enough attention. Walls are not elastic space should be allocated to the available products as per the expectation of the customers to deliver best results. The major issues of space management are:

1.-How do we want our ranges to look?

2.-Hanging/stocked/customers etc.

3.-What stock density do you want to achieve?

Generally, the more options/units you can hold for a given amount of space, the higher the potential returns. Space landing systems can be split into two types

Numeric and visuals: Numeric planning system simply allow users to account of space available and to calculate the ratios like returns on space. Visual systems allow users to create three dimensional walk through models of the stores and to preview the look of a store once ranging decisions have been made.

d)-Dresiforms and mannequins: The dresiforms communicate the 3 dimensional form of the product. Along with the fit a good mannequin can also be customized to communicate a character, for example, special kids wear mannequins with caricatured faces convey the playful mood of the collections.

e)-Synergy among the different stalls: A stall look should compliment the mood the whole fair too. So some visual elements from the fair, be it a color scheme or some material used should also be incorporated in the stall.

f)-Out of the box thinking: With so many stalls around, it sometimes focus some stock value to grab the attention of the buyers. Innovative ideas in displaying the mannequins, swatches etc can invite many more people to the stall.

g)-Merchandise planning: The first function of merchandising planning is making a strategic plan, which is normally for a five years or more and is used to set the critical success factors for merchandising in terms of sales, margins and stocks. Next in a channel sales budget to take into account the effect of the new channels, new stores, closures, and refits. In simple words merchandising planning is a systematic approach and aiming at maximizing return on investment, through planning sales and inventory in order to increase profitability. It does think by maximization sales potential and minimizing losses from marked down and stock cuts.

h)-Range planning: Begin with assortment plan. In assortment plan, the goal of merchandise plan are divided into specific lines and such a way that the division results in the increase of overall marginal mix. Then a distributions planning in done. The link between available physical space and ranging done here is a key determinant of merchandising performance.

ROLE OF VISUAL MERCHANDISING

Visual merchandising is an artistic method to ensure that retailers merchandise moves off the shelves faster. It’s a tool to appeal to the visual sensory elements of the customer. Visual merchandising is an unknown skill which is fastly becoming popular nowadays with the introduction of self service in retail stores in recent years and the number of changes taking place in super market merchandising methods, there has been increased emphasis on the kind of store layout, store building, fixtures, and equipment, color displays, silent communication tools, window display and finally opinion building through in store displays which has taken the art of retailing the higher applications frames.

Customer expects to spend less time for shopping and prefers one step multi brand retail formats and hence significance of visual merchandising is on increase. As per the opinion of Hemendra Mathur, senior consultant of KSA technopark based on the third annual consumer outlook study that the consumer is getting time saved and the time spent on shoppin (both grocery and non grocery) has come down. Further the study reveals that are increase in the impulse and unplanned purchases in the certain categories. Visual merchandising helps in the increase of impulse buying.

The practice of a visual merchandising is negligible in durables and home textiles and in the apparel and foot wear it is 20%. Many people experience in organized retailing are of the opinion that innovative application for effective retail presents and brand buildings are being used aggressively by companies in retail merchandising. Brands like Reebok spent 25% of their advertising spent on point of sale merchandising. The brand managers of Reebok feel that 80% of the buyers are influenced by the 3 feet experience i.e, point of sales material and visual merchandising are more effective than outdoor displays and advertising.

Market analysis feel that most companies are unfortunately not spending as much time and money as they should on POS (point of sales) visual merchandising as a strategic tool for brand building, indiscriminately “displaying everything rather than displaying selectively and effectively to assist consumer in taking decisions.

Visual merchandising helps in:

a)-Establishing a creative medium to present merchandise in 3 D environment, with which a long lasting impact and recall value.

b)-Combining the creative, technical, and operational aspects of a product and the business.

c)-Educating the customers about the product/services in an effective and creative or innovative manners.

d)-Drawing the attention of the customer to enable him to purchase decisions in the short space of time and this augmenting the selling process.

SCOPE FOR CAREER DEVELOPMENT

Retail business analysts feel that the average spending on POS and merchandising displays is RS. 1000 per square foot in the organized retailing whole size is Rs. 14,000 crores of the total (both organized and unorganized is Rs. 11,00,000 crore. Further analysis reveal that the multi brand retail formats (hypermarket) are storing 35% growth rate per annum which is the storing indicator for the bright and huge scope. For the visual merchandising professionals who have experience in designing effective store layouts, color displays, the use of creative silent communication skill tools, creative window display, and in store displays. The curriculum of visual merchandising includes generally the following fields:

a). Creative art.

b). Specific application to retail.

c). Techno commercial planning and execution.

Students of management looking for employment can find opportunities in departmental stores, super markets, malls, and hyper markets as visual merchandiser. Further those who have entrepreneurial streak can look for event managers or interior designers professionals.

Author is Asst. Professor, Deccan School of Management, Osmania University, Hyderabad and can be contacted at tdbabu17@rediffmail.com
Author is Asst. Professor, Deccan School of Management, Osmania University, Hyderabad and can be contacted at tdbabu17@rediffmail.com
Can be contacted for content writing, report writing for summer and winter projects at MBA,MHM and other management courses to tdbabu17@rediffmail.com

Losing weight is big business. Not only is it a billion dollar industry it is also a very emotional battle for many. The public as well as the media is very cruel to those that need to shed some extra pounds. Many have tried diet after diet with little to no result. Most do understand that in order to lose weight they must not only change their eating habits, but their entire lives. Though they understand they need the change they are not sure how to change. Few seek the help of a therapist to lose weight instead they seek the advice of individuals and companies that do not truly understand the problems with weight loss.

Buried deep inside your mind and soul is an inner force that most people never even realize is there. All that you have learned and experienced is inside this deep unconscious mind. It only stands to reason that there are faults and errors in this portion of the mind. The individual may not even realize that something is inhibiting their success with weight loss. That is why the use of weight loss hypnosis is so effective. The hypnosis diet helps you uncover these thoughts, feelings and internal errors that keep the pounds on. Everyone is different and this is the reason that hypnosis aims to uncover the truth and information stored in your individual mind. A generic weight loss program will help you lose weight, but you are guaranteed to gain it back unless you resolve those errors.

You do not have to suffer with a weight problem for the rest of your life. You can lose weight with the weight loss hypnosis. A trained hypnotist will guide you through the process of exploring your inner soul and removing any of those thoughts, experiences and feelings that are inhibiting your weight loss. Not only can you explore what is buried deep inside your mind you can also work on issues such as exercise and motivation.

Many of the general public truly believes that an overweight individual lacks the motivation to lose the weight. This simply is backward from the way that it truly is. Putting on weight is typically associated with a life changing event, not a lack of motivation. After the individual gains the weight, of course they do not feel as good about themselves so they become sad and then lack the motivation that is required to lose weight. Even the individual that is attempting to lose the weight will joke or kiddingly say that it is lack of motivation and exercise that caused them to gain the weight. What they do not realize is that there are far more serious issues involved in the weight gain. Maybe depression, anxiety or other issues that caused the additional pounds.

Exercise motivation hypnosis is a great way to uncover the lack of motivation and replace it with a healthy script of energy. Hypnosis can assist you in exploring your inner mind replacing those unhealthy thoughts, feelings with ones that will help you want to go to the gym getting out and moving. Exercise is invigorating, so once you get into the gym it is almost addictive. You will feel better, have a new perspective and want to return because of the great feeling. Exercise motivation hypnosis can take place in the office of the hypnotherapist, tapes and other motivational materials.

Losing weight is much more than restricting your diet. There are issues and negative thoughts that have caused your weight to spiral out of control. In order to get your emotions and weight in check you must take action. The best thing to do is find a trained hypnotist that can assist you with uncovering the contents of this hidden agenda in your mind. You simply can not change what you are not aware of. It must come into the open and can then be replaced with more productive thoughts. You must have a positive attitude and tell yourself that you can lose weight with hypnosis. A good attitude and demeanor can help you do anything. If you say negative things to yourself you become negative. The same is true with positive self talk, tell yourself you’re beautiful, wonderful and worthy of uncovering you’re inhibiting thoughts. Lose weight hypnosis has worked for thousands and you can be next!

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Have you seen interior walls that are uninviting and dull? Well, say goodbye to those walls because it is now possible to have a welcoming and cozy room each time you arrive from work. You will probably need good color ideas to go about your interior painting.

1. To start with, if you decide to use decorative painting more than one room inside the house, try to get varying tints of the color that you want to paint and that includes the plain color.

2. If one of your rooms have existing fabrics but you really want it to be updated, you can paint the wall with the similar color or shade by using a fresh technique. You should also match the finishes to every room’s unique style.

3. For your private retreats such as your bedroom, use a special paint finish because this is the place where you usually spruce up or calm down. Be sure to choose a color that unifies with your furniture; this can enhance the entire decorating look which you can enjoy to the fullest.

4. If you prefer latex paint, well, they provide a tough finish. If you use it together with varnish, you can use it for many applications. It dries quickly, safe, and is odorless.

5. If you go for neutral colors, you can use them as backdrops. Some people prefer to use them alone because these neutral colors generate a harmonious design. And because the color doesn’t change suddenly, they create a different impression of space and light.

Don’t rush yourself, in fact, try to take time and experiment on different color combinations for your interior painting. Remember, in order to achieve your desired effect or finish, you must purchase the right type and amount of paint.

To learn more interior painting ideas, visit my house painting tips site.

Before going further, it’s important to define exactly what insomnia is and isn’t. Insomnia is a symptom. It is not a diagnosis or an illness. Many factors medical, psychological, medications, diet, among others can cause insomnia. By definition, insomnia is the feeling of not being able to fall asleep or get sufficient sleep when the opportunity arises.

The statistics about insomnia are astonishing. In a survey of Americans, 36 percent complained of some difficulty with sleep in the pervious year. More than one-quarter of Americans said their insomnia was intermittent, while about one in ten described it as chronic. In raw numbers, that means that more than twenty-five million Americans have chronic, continuous problem sleeping.

Unfortunately, many people suffer for years with insomnia before seeking help. Nearly 70 percent of insomnia sufferers never discuss the matter with their doctors. Instead, they learn to cope, even as it disrupts their relationship, their career, their happiness. Coping strategies can be destructive in their own right that is alcohol and sleeping pill abuse, for example. In fact, 40 percent of insomniacs self-medicate with over counter sleep medicines or alcohol.

Many people feed uncomfortable discussing insomnia with their doctors. Only 26 percent of insomnia sufferers tell their doctors about their problem during a visit for another purpose. And only 5 percent see their physician specifically to discuss their sleep problem. About 4 percent of Americans use prescription medicines to help them sleep, and the number is rising rapidly. But except for certain situation, sleeping pills are not the real solution to insomnia and sometime they can make matters worse. Long term use can lead to dependence and addition, even as the medication loses their ability over time to promote sleep.

But there are alternate solutions to sleeping pills. In the age of managed care, however, doctors often are not given time to fully assess your situation. That means the burden often falls on you. First off, remember that insomnia is a symptom, not a diagnosis. It has many causes, and the right one must be found before treatment can begin. Think of it as, say, an incessant cough. The cause could be tuberculosis, cancer, pneumonia, allergies, or a simple cold. Chicken soup and rest might help cold, but it won’t do much for lung cancer. The same logic must be applied to insomnia.

Getting to the root cause of insomnia can be tricky. Often multiple factors are at work, building on each other to deprive sleep. Furthermore, insomnia that began because of a medical problem often persists long after the medical problem is solved. This insomnia often cause patient to develop poor sleep habits. Disease can be cured, but habits die hard.

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Mind needs substance to exist as. Spirit is the Essence of Consciousness and the Substance of Mind. Spirit is Mind, because spirit is intelligent. Both words are therefore synonymous. Mind and Spirit are one and the same. We all exist as spirit and we all exist as mind.

Mind is Spirit. Spirit is Mind.

Most people are confused because they are trapped by partial viewpoints about what the mind is. When they refer to the mind, they are refering to the intellect, the linguistic, the reason or any faculties that are only certain aspects of the mind.

The heart, the emotion, the feeling is also the mind. The intuition and the instinct is the mind. The autonomic system of the body is the mind. The soul, the entire psyche, the will and desire, the conscious and the subconscious, anything you can think of in this aspect is also the mind.

They are all mental. The mind is all these things together. The mind is the whole.

We differentiate between the mind and spirit with the word. The word pierces into the dividing asunder between soul and spirit, bone and marrow. We use language to separate inseparable things in order to describe them. The soul is made of spirit and the bone is made of marrow. The mind is spirit and the bone is marrow.

The mind exist as the higher mind and the lower mind. They are both the mind. The higher mind and lower mind is our higher self and lower self. The lower mind is the Ego, the higher mind is the Inner Man within us or the Higher Ego.

The higher mind is in tune with the universal mind. When we access our higher mind, we are accessing the universal mind. The universal mind is higher intelligence.

Intuition and intellect may be different on one level of understanding, but on another level, intuition is actually higher intellect. It is intellect that is above the ordinary level because it comes directly from higher intelligence.

Good and evil exist as the result of whether we are in tune with our higher mind or not. When we are in tune with our higher mind, we access divine guidance and do what is in harmony with the universal mind. When we are not in tune with our higher mind, we lack divine guidance and we go astray doing what isn’t right for ourselves and the universe.

All mistakes are mistakes of ignorance. Knowledge gained and consequent power is what determines growth and evolution. Knowledge which is higher knowledge from the universal mind, is accessed by Man’s ability to think. Man has the greatest ability to think of all creation. The ability to think is the nature of the divine.

Everything that exist is made of mind and is mind. We all exist as the universal mind, being differentiated into individual minds. Everything is made from God, the Spirit of God but every sentient being has its own free will and individual personality.

Something cannot be made from nothing. Something can only be made from something else. All of creation is created from the creator. In the beginning, there was nothing but God. God can only create something out of himself. The universe is made by God and of God.

We are all God but we are not God. We are made of the God stuff but we have our own personality. We are meant to worship the God personality, The Father, The Son and The Holy Spirit as God. Not the angels nor any other personalities. We are also God because his personality is our true personality. God and us are one.

The only activity which the spirit possesses is thinking. Therefore thought is creative because spirit is creative. This creative power is impersonal and your ability to think is your ability to control it and make use of it for the benefit of yourself and others.
All thought is intention and intention is prayer, because thought connects the individual mind to the universal mind. Our ability to think is our ability to act on the Universal Mind and bring it into manifestation for the benefit of ourselves or others. Ask and it shall be given always. Therefore take charge of your thoughts because your predominant mental attitude will be your manifest reality.

All thought is vibration but a thought of the Truth is the highest vibration and consequently destroys every form of error the same way light destroys darkness. No form of error can exist when the Truth appears.

So all mental evolution is about coming to an understanding of the Truth. This will empower you to overcome every form of lack, limitation or disease of any kind. To focus on thoughts of Truth is to express true conditions only. The measure of our ability to do this is the measure of our mental/spiritual progress.

Higher vibrations rule lower vibrations. Therefore thought rules everything else. Thoughts of Truth will overcome thoughts of error. God is Truth.

When we think the way God thinks, our mind is in harmony with the universal mind, we are walking in the Light and not Darkness. To think like God, we must know God. The more we know, the more we become. To know is to be. The more we know God, the more we become like God.

The fallen nature is the ignorant nature. The new nature is the enlightened nature. Salvation is by Knowledge of the Truth.

To know God is to know ourselves. To know our higher self or true self is to know God. To evolve into who we really are. To be transformed by the renewing of our mind. To be changed from glory to glory.

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Do you own a business and need ideas on how to market your products or services to your customers? Well, the one thing that every business owner needs to know is that in order to survive, you need customers willing to spend their hard earned money for your products or services. While you always want your products or services to meet the needs of the customers, this becomes more significant in a sluggish economy because purchases construed as “luxuries” decline.

If you and your business partners schedule 40 minutes every month to discuss your answers, you can start to develop products and services that lead your market, you will begin to anticipate what your customers want tomorrow and your business will cope better with what the outside world throws at you. More importantly you will be much more able to customise your products and services to the specific needs of your niche market and demonstrate not only that you understand them, but that you care. You should be able to keep up with market changes and try to anticipate them beforehand because it keeps you a step ahead of the average consumer.

At each exploratory step in your market, as you target your sales, you will gain a better return by focusing your marketing effort on the customers who most benefit from what you want to sell.

In the large ocean of competitors they market with, most business owners don’t know how to promote their business.Below are the top five ways to market your business on and/or offline and be ahead of your competition.

1. Get a Web site

This is the ultimate lazy way. Put up a Web site, or get someone to do it for you. Then forget about it. You won’t hear much for around six months, but once you get listed on the search engines, you’ll start getting business.

You can help the process along, by promoting your site, and by updating it regularly, but once it’s up, and you’re listed on the search engines, you can be as lazy as you like.

2. Make three phone calls a day

How long does it take to make three phone calls? You could probably make them in ten minutes.Who will you call? Potential clients, suppliers, people who are in the same business you’re in — it doesn’t matter who you call. The idea is that you’re shaking the trees. Once you start communicating, you’ll move your business along.

3. Contact one client a day

Call, email or fax one client a day. You’re not touting for business, you’re just touching base. This person has done you the kindness of doing business with you in the past. Call and find how he or she is.If you’re a writer, this means send out one letter, query or proposal a day, every week day to your previous clients: that is, editors who’ve bought from you in the past.f you’re just starting out as a writer, then send one query a day to a market you’d like to sell to.

4. Give something away

“Free” is an incentive. And it works. What can you give people to remind them that you’re still in business, and that you’re good at what you do?Give away something that’s useful, whether it’s a pen, a T shirt, a bookmark — or an hour of your time to mentor a beginner.

Be creative with your freebies!

5.Write a Press Release

Make yourself and your business noticed by the media.This free publicity will give instant credibility and bring you a lot of business.

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