Novel Writing - It’s All In The Preparation


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Despite all the competition, most new and aspiring authors want to write a novel. This article take s a quick look at some points to consider before you put pen to paper!

In the past I have written a good many articles extolling the virtues of writing that time-honoured writing form - the short story. Yet it seems that virtually everyone who has ever entertained the slightest yearning to be a writer wants to write a book - otherwise known as a novel.

Novel writing is for some writers the snow on the mountain’s peak, the highest point to which a writer can aspire or hope to reach. For others, it’s a challenge akin to crossing a desert without water - a long hard slog that can only be endured by using the utmost in grit and determination.

The truth about novel writing really lies somewhere between these two extremes. Fiction writers have written novels for years and years and, oddly enough, most seem to have survived the ordeal more or less unscathed.

Now why is this? One reads everywhere that it’s either (a) simple to write a fiction bestseller (which is of course nonsense) or (b) it’s so hard to get a novel published that only a certain bit of magic software can do it for you (again, total rot). The real way to write a novel that will (hopefully) ultimately sell and set the writer on the road to fame and fortune lies as much in attitude and know-how as it does in raw talent.

So what does this statement mean? Well, take a young boy who can run pretty fast. That’s his raw talent. Let’s say he’s pretty good at jumping low fences too. Take this boy and train him, shape his mental attitude and show him how to do things professionally and maybe, just maybe you then have an Olympic-level hurdler on your hands.

On the other hand, don’t show him anything, don’t tell him what to look out for or what not to do and chances are he’ll grow up into a man who can - you guessed it - run pretty fast and jump low fences . . .

Now I’m not suggesting that merely by training a writer in the realities of novel writing and by showing said writer the way forward that they’ll be the next John Grisham or Terry Pratchett. They may never be published at all. Yet by knowing the way to write a novel, how a writer’s life works and how to be a professional in outlook, that writer stands a much better chance of winning through than one who has just started the task with little or no preparation.

There’s an old saying that goes: forewarned is forearmed. If a budding writer is given the know-how that enables him or her to reliably and consistently write good fiction, especially if it’s for the right market and at the right time, then that writer is streets ahead of the pack. Being a writer isn’t just about putting a story down on paper. It’s as much about deciding on what your niche is going to be within the writing world, what books you want to write and how long it’s all going to take to get done.

The decision to write a novel is, therefore, a big one and not to be taken lightly. Make sure you have all the tools and know-how you need at your disposal before you start and there’s a much, much greater chance that you will finish that book - and get it published!

Steve Dempster writes articles for the web and works of fiction. If you would like to href="http://www.howtobeawriter.co.uk/page11.html">get the know-how a novelist needs to write professionally, href="http://www.howtobeawriter.co.uk/page11.html">take a look at this!

POWER-MAN - Forging The Identity And Attitude Fueling Extreme Personal Success


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When you think about you, and what you can do, what comes up in your mind? I mean, how do you see yourself? How do you mentally position your level of capability? Capacity for growth, improvement and success? Current strength level (physical and emotional), and capacity to become even stronger? Capacity to advance, and press into even higher, and more substantive life impact/personal triumph realms?

Yes - how do you truly see you? Feel about you, and your potential? Indeed, what specific belief structure do you allow to define - and regularly animate - your self impression, and emotional state?
Hmmm. Never thought about this before? Or, never thought about this remotely deeply before? Well then; just who are you? What are you? What’s your base of identity? Personality? What, in fact, is your purpose for living?!

What version of your self do you extend out into the world, and embrace as self perception when you say “I”? And, is this “I”- by virtue of solid awareness of actual aptitude and capacity - purposefully self tailored? Self reinforced, and expanded upon? Decidedly positive/personal growth inclined? Or reflective of one who, though being minimally self defined and established, finds themselves an effect - an effect of the ideas, structures and will of others? (Instead of being the cause of what happens?) One who “waits to see” what others do, produce or demonstrate - and then reacts to this? (Instead of naturally, deliberately being a personal success/increase initiator?)

Hey — really let yourself think about these latter concepts - being more-so an effect than a cause in your life (indeed, of your life). And being more-so a reactor instead of an initiator. Then, think of your current self concept and you’ll make what I call the transforming, true self liberating discovery, which is:

The way you’ve defined you (or have mindlessly allowed yourself to be defined) determines your personal impact in life. And this includes the size and power of your body, bank account, life success level, and degree of life effectiveness.

You’re either a Power-Man - a self and personal life creator. Or, you are an “Effect- Man”…someone who “tries”, “hopes”, “wishes”, and “dreams” but is essentially “just along for the ride”! Yeah, a condition where you’re not where you keep saying you want to be (complaining that the world doesn’t give you the “breaks” you want/need in order to progress) - instead of breaking the self and world concept you’ve created — and, by virtue of a re-defined self, then breaking on through to the realms you not only just “want”, but at a very real inner point, sense are possible for you!

Power-Man - self and personal life and creator. Or, “Effect - Man”…shaped, molded, and allowing themselves to be defined by what has happened in their past, and what they experience happening around them now!

Which do you want? Ah, Power-Man? I thought so. As such, I’ll now give you a 5 factor Self Concept Re-Tooling Framework you can use to dramatically build up your impression of self. Yes, and to do this in a way which moves you from “effect” of what was, to cause of what is. From “reactor” to Power-Man Life Increase and Success Initiator!

Interested? Thought you might be. So first, carefully read through the following Self Concept Re-Tooling Framework factors. Then, apply - and richly live - each exactly as outlined.
The New Power-Man Self Concept Re-Tooling Framework

1.) Upgrading - And Power Infusing - Your Current Self Impression

Really think; how do you currently see yourself? Is it the embodiment of strength? Capability? Effectiveness? Dynamism? Filled with the capacity to improve, advance and decisively triumph? Or, is it low ebb compared to these preceding factors? Or…do you have any kind of clear, decisive self impression at all?

“Hey; I’m just - you know - an average, ordinary, regular guy — I guess I see myself as that.”
Actually, average, ordinary and regular is either your choice or habit - your unquestioned image habit allowance. Because there have been times in your life when you’ve either said, done or achieved the exceptional; haven’t there! (Yes - there have!)

And, what would happen if the you embodied within these times was how you purposefully chose to see yourself? How you see you has a direct correlation to how you impact (or don’t impact) life. It also has a direct bearing upon how the world sees you.

Power-Man sees himself as a “can do, will do, wholly expect to succeed” person. This is the impression he upholds as defining him and his capacity. And this also justifiably exists within you; awaiting for you to now recognize, unite with, and use it to upgrade your personal self image.

So, recall the very last time you said or did the exceptional - yes — the extraordinary. You know - that very last time when you boldly stood up, spoke up, acted up, and produced a masterful, decisive impact life result. You didn’t wait, flake out or feign away; you were singularly - courageously - proactive. And your quality of effort produced an outcome vastly superior to that of the “ordinary” you.

Once you’ve mentally isolated this time, imaginatively zoom in on yourself. And notice:

A.)-The specific look upon your face

B.)-Your body posture

C.)-The kind and quality of energy surging though you

D.)-What the look upon your face seemingly communicates to the entire world

about you, your ability, and your intent

Keep clearly focused upon this you. And while remaining focused upon them, replicate and project each of A-D above.

Hold this self impression foremost in your thoughts (while replicating its specific A-D dynamic), and firmly say to yourself “This me is a decided part of me; I can choose to see me this way…from now on!”

Perform this self impression upgrade upon awakening in the morning, and before going to bed at night. And very quickly, you’ll start naturally seeing yourself as this you - this Power- Man designated you - exclusively!

2.) Anchor, And Remain Emotionally Fueled By The Maximum You!

If there was one single most definitive time of you generating extraordinary personal impact in your life, what would this be? I mean, the most irrefutable and decisive time of you demonstrating a result, or results, that were clearly fueled by amazing courage, initiative, will, purpose, conviction, and the passionate refusal to accept anything less than total personal triumph.

As you search your memory banks, you will become aware of this time of extraordinary personal impact in your life. Perhaps, for you, it was in a business situation? Or, a trying domestic situation? Or, an entrepreneurial situation? Or, in a workout/training situation? Or, in a pressing relationship situation? Or, in a military service situation? Or, within a personal improvement process situation? Or, within a competitive sports situation? Or, within a personal need or survival situation?

Whatever this one most definitive time of you generating extraordinary personal impact was…you’ll now use the sensory power within its stored memory as success stimulating fuel. (Perform the following for 5 consecutive days in the evenings, and you’ll have it nailed.)

Seated or lying comfortably upon your back, inhale 3 long, deep breaths. Then, mentally isolate what, for you, is this one most definitive time of you generating extraordinary personal impact.
Once you’ve got it singularly, and clearly identified in your mind, then imaginatively step into this memory scenario. Into your body. And wholly connect with its comprehensive sensory dynamic:

–See exactly what you see

–Feel exactly what you feel

–Think exactly what you think

–Mentally project your exact inner self-talk context

–Breathe exactly the way you breathe

Next, as you’re seeing, feeling, thinking, inwardly communicating and breathing exactly as you do during your most definitive time of generating extraordinary personal impact, pinch your right thumb and index fingers together firmly. And hold them firmly pinched for 20 full seconds, while you continue seeing, feeling, thinking, inwardly communicating and breathing the way you do during your time of most extraordinary personal impact.

Next, continue keeping your fingers firmly pinched, and mentally, silently exclaim the word “POWER” five consecutive times with each exhalation.

Then, you can just s-l-o-w-l-y un-pinch your fingers, aware that you’ve now established a Power-Man anchor. The act of pinching your right thumb and index fingers together firmly, breathing as you do during your time of most extraordinary personal impact, and mentally exclaiming your key word “POWER” now activates the exact same energy and feeling state that inwardly fuels your time of most extraordinary personal impact!

Now, you can use this Power-Man anchor to fill yourself with incredible confidence and sense of capacity to conclusively triumph whenever you want to, or feel you need to (i.e., before meetings, presentations, speeches, workouts, max lifts, competitions, tests, sales calls, tough/demanding/challenging life situations, etc.).

Yes, from now on, when you pinch your right thumb and index finger together firmly, breathe as you do during your time of most extraordinary personal impact, and exclaim your key word “POWER”…you’ll completely fill yourself with this force. And this is the emotional fuel that will naturally lead you into the realm of the incredible!

3.)Toughen Your Inner Dialogue; Speak To Your Self With Decisiveness And Power Mobilizing Conviction

If you were to examine the usual content of your inner conversations, would you find it to be positive and empowering? Pre-supposing problems, or success? Suggesting how tough life is - or how resilient and capable you are? Detailing true strengths and capacities you actually possess - or more-so why you might not, probably won’t…or “never” will?

The ideas and concepts which repeatedly comprise your inner dialogue contexts become reinforced presumptions. In time, these then become unquestioned, accepted beliefs - and belief tendencies. And these then become self fulfilling prophecy; your outer world becomes a precise unfoldment - and externalization - of what comprises the scope of your continual inner dialogue affinity.
Literally, your repeated, emotionally charged inner dialogue and self-talk attracts, harmonizes with, and creates external experience in precise accord with its context. And let me tell you - this ain’t no “new age” BS; it’s bottom line fact of life!

Just take a second to look at what you currently do, how you do it, and the results you’re currently producing. And then, examine what usually comprises your inner dialogue and self-talk in these areas.

Are you inner dialoguing yourself into advancement? Increase? Personal gain? Decided improvement? No? Well then, why then would you continue reinforcing ideas and notions that limit you? What is your inner dialogue and self-talk regarding your ability, capacity, potential
- and the possibilities you should expect - comprised of anyway?!

Let me give you 4 new inner dialogue tenets I want you to begin consciously “feasting upon” when you awaken in the morning. And then again, at about the midpoint of your day:

–I am a strong, capable and efficient personality; there are things for me do to that can, and

should be done better by me, than by any other person!.

–I can do, and wholly, successfully complete whatever I seriously set my mind to. I can

stick to a process, remain fiercely confident and determined, and continue doing what must

be done…until I come to prevail!

–I know that I have decisive ability; I’ve done tough, challenging and difficult things in the

past - and have handled them effectively - and conclusively made it through. I know this

same enhanced ability indwells me now; I see myself clearly as someone who possesses

notable skill - and fully gets the job done!

–I believe I’m supposed to succeed in my endeavors, and continue growing, expanding, and

increasing. And I know that what is good and empowering awaits me as the natural

outcome of my quality, purposeful efforts. With absolute certainty, I believe I am one

destined to triumph, driven to prevail; I am one who takes charge of life through pitting the

whole of my faith upon me coming to produce or materialize exactly what I believe…I Can!

I think you already know how things will change for you when you now continually feast upon these four tenets. Bon appetit!

4.) Purposefully Generate A Magnified Force Of Will (And Decidedly Success Geared Action)

I’m not saying you should impose your will to manipulate or intimidate others. I’m saying to proactively start generating your actions with an intensified force of purpose, energy, significance and life resolve.

Why do you keep letting yourself back off, stand down, accept just “Ok” or “mediocrity”, or tolerate results that are less than you wanted or set out to produce?

Hey - lesser is never an impresser; only a triumph compelled force of will moves you down the road where you’ll be ultimately fulfilled. Indeed, nothing lesser will suffice!

So, just how much force does your will and/or power bring to bear down upon life? Do you go at things truly motivated, and determined to get the tangible result you’re after? Do your actions truly strive to succeed, advance, increase - or conquer? If not, why not! Yes - why do you act at all, especially within an intended personal increase/personal triumph pursuit, if striving to succeed, advance, increase or ultimately conquer is not what is fueling your effort?!

Do you think life will “just cooperate”? Do you think “Oh; it will be ‘easy’ for me”? Do you think “Hey — I’ll just naturally get all the help and support I need as I go along my way”? Do you think “Others really care about - and want me to succeed; they’ll do what they say, as they’ve said it, and will gladly continue to assist my advance”?

Do you really think that thinking any of the preceding concepts represents what is real - or reality! If you do, then you’re certainly an inexperienced greenhorn. To climb life’s success mountain, you must be the one to pull, claw, scratch, and drive yourself up ever higher. And with the confidence born from decades of personal experience, I can tell you the mountain’s force and terrain becomes markedly more formidable - and more defiantly challenging - the higher up you endeavor.

As such, only a strengthened force of will can fuel a truly meaningful, result producing “Life Success Mountain” ascent. And I mean a will that will not stop, waiver, doubt, or take no for an answer. Indeed, it will not even accept a partial yes. It will only dig its steely fingers into the mountain’s sheer granite slopes…and keep pulling itself higher up, Up, UP, and then even Farther on up toward the level it has pre-determined it will reach!

Yes — this is the only force of will embodiment that has any chance of actualizing ultimate personal conquest. And so, before you put your clothes on in the morning, I want you to put on your magnified force of will:

Say to yourself (and proclaim it down to the very depth of your soul) “In all I do - and with all I am - today I boldly stand up, speak up, act up - and remain laser focused, determined and driven as an extreme, personal triumph Initiator! I generate the force, power, intensity and will I must, which gets my job done - and produces the results I set out to - yes - the commanding results that I now determine I will!”

Put this magnified force of will “suit” on every day before you put your outer clothes on. And reinforce this magnified force of will personal vow throughout your day.

5.) The Power-Man P.M. Inner Strength “Pump-Up”

Now, before you get into bed to sleep, I don’t want you to be like everyone else. No. I don’t want you to allow the accumulated stressors from your day to subconsciously sink down, and cause havoc with your nervous system, and as such, have an undermining effect on your emotional power.

I want you to internalize a new self defining, Power-Man mental set. And this comprises reinforcing a new intent for living, and power inciting truths of character.

Yes — this is so a Power-Man attribute connection and self identification is what you mentally “take to sleep” - night after power reinforcing night! And so, before you get into bed to sleep, you’ll engage each of the 3 aspects of the Power-Man P.M. Inner Strength “Pump-Up”.

Aspect 1: Mentally Reinforcing A New, Power-Man Intent For Living

Seated comfortably, take a l-o-n-g, d-e-e-p breath. Then, thoughtfully read (with conviction) each of the following ideals, making sure you f-e-e-l (as well as understand) each in a way where you sense it wholly filling you, and integrating as a decided part of you:

–With every important and meaningful task I engage, I purposefully strive for excellence,

and deliberately drive myself to advance, and become more!

–I strive to make in each engaged task an individually completed success unto itself; every

day I sustain this focus, and honor this directive toward thorough action efficiency and

completion.

–I am resolved to conclusively triumph; destiny is now my choice, my responsibility, and my

decision. And - in every thing I do - I go for it, and keep going for it, until I get what I want,

or produce the exact outcome I set out to!

Aspect 2: Integrating Power Inciting Truths Of Character

Next, having internalized these “New Intent For Living” ideals, maintaining the very same thoughtfulness and emotional connectedness, go ahead and read through these following “Power Inciting Truths Of Character”:

–When I truly set my mind on something - I can, and do, get it all-the-way-Done!

–I have done the heroic, the masterful, the extraordinary in the past; I can, therefore,

do it again!

–I have - many times - demonstrated skill, ability, and competence beyond what I realized I

could do; this capacity is still part of me…now — awaiting my belief and determination to

decisively - blatantly - activate it!

–I have come through for me in the clutch - in the moment of truth - in crunch times.

Yeah - when I absolutely, positively have to get something done…I conclusively Do!

–When I hold tight to what I believe is possible, I can cope with, Stay Tough with, and sustain

a process…ultimately enduring it until I conclusively succeed!

–I see myself as this Maximum Me - that’s right - and I wholly connect with, embrace, and

generate this power within all I think, all I say, and all I do!

Aspect 3:-Pre-Programming A Vital, Power-Man Tomorrow

Now, filled with the ideas and sentiments of aspects 1 and 2, you’ll subconsciously script your tomorrow the embodiment of these ideals applied.

So, seated comfortably, let your eyelids close, and project your mind into your tomorrow - where you’ll graphically experience yourself as Power-Man — doing what he does, the way he does it, and producing the outcomes his impact naturally does!

And so, envision how you - as Power-Man - arises from bed, and showers, dresses, cooks and eats breakfast, drives to work - performs at work — on the phone, in meetings, engaging your tasks and responsibilities - and how he acts within all other things comprising what you know you’ll experience during your tomorrow.

Don’t just “visualize” this. Imaginatively step into the picture, and fully, perceptually live your tomorrow as Power-Man (as I’ve outlined above).

When you’ve finished this pre-programming Power-Man tomorrow aspect, inhale another long, deep breath. And as you exhale, let your eyelids open, and then go on with any “getting ready for bed” routine you may have.

Performing aspects 1-3 (as outlined) is an instrumental integration process serving to make Power-Man tendencies an ever more natural, ingrained part of you, and the actions you generate.
The Final Infusion

Now you have the full 5 factor Power-Man upgrade blueprint. Remember: Getting what you want requires bringing forth the most - and the best - within you…continually. Indeed, it demands your full ability and power capacity be mobilized, and generated day after motivated day!

This is the way Power-Man naturally approaches and engages life. Build him. Reinforce him. Become him. Stay him!

Powerhouse self-help author, life transformation seminar leader, clinician, and national TV therapist, Pete Siegel is the country’s foremost peak performance hypnotherapist. You can find out about his personal sessions, and review his acclaimed PowerMindİ national best selling life and mega-success building programs, including Building Super Confidence, Success Mind-Sets, Using Your Stress To Fuel Your Success!, Living Invincibly Positive, and Winning At Life, at http://www.incrediblechange.com

3 Texas Holdem Tips for Quickly Improving Your Texas Holdem Poker Play


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If you want to win at Texas holdem, and win consistently, you have to
have discipline in your play. You need to have a plan and a strategy
and you need to stick to it, even when you get a run of bad cards.

A bad run happens to everyone who plays texas holdem. If you panic
and change your holdem strategy when this happens, you’ll find yourself
losing more, you’ll panic more, and it ends up becoming a downward
spiral until your whole stack is gone.

1) Know when to fold. This piece of advice is tough for a lot of
texas holdem players to follow. After all, it gets pretty boring
sitting at the poker table for hours upon hours and doing nothing
but folding hand after hand. However, knowing when to fold your
initial hand will go a long way toward your texas holdem play being
profitable.

Before your holdem game starts, know which hands you’ll play. Put
a strategy together. Understand that position will affect the
hands you’ll play. There are more hands that you can play in late
position than you can from early position. In late position, you’ve
gotten a chance to see how the players ahead of you play.

2) Understand your risk and reward. In other words, don’t risk
a lot of your stack for a small potential payoff. If you’re in
a big stack position, you may be tempted to play hands you shouldn’t,or wouldn’t, normally play. If you have a big stack of $1,500 and
another player has $175 and he goes all in, you might figure it’s
no big deal to go in with you J-9 offsuit.

But if he played in from early position, he may very well have a
big hand and all you’re doing is allowing him back into the game.
Your reward isn’t worth the rist you’re taking in this situation.

3) Don’t throw good money after bad. You’ve probably heard of
doubling up,a system some people use in games such as blackjack.
Basically, if you lose $100, you bet $200 the next hand. If you
lose that hand, you bet $400 the next hand. And on it goes until
you’re broke!

So what does this have to do with texas holdem? Don’t find yourself
sucked into the holdem version of this. How can that happen? Let’s
say you’ve got a big pot in front of you, you have a lot of your
stack in, here comes the river, and only one card can beat you…
and that card hits on the river!

This doesn’t sit well with you so what happens next? All of the sudden,
that 2-7 offsuit you were just dealt looks good and you move a lot of
your stack into the pot. If you feel yourself getting ready to descend
into this kind of texas holdem madness take a timeout and get away
from the table. Later on, when you still have some sort of stack in front
of you, you’ll be glad you did.

Learn the underground money making tips to mastering Texas Holdem Poker so you can quickly and easily ramp up your poker playing skills for more profits. Check out Freddie’s poker site at http://www.winningtexasholdempokertips.com right now for lots of free info and a special report.

Debt Consolidation Credit Counseling


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Do you need debt consolidation credit counseling? If you are deep in debt and headed for personal bankruptcy you might need to consider credit counseling.

Debt consolidation credit counseling is an important undertaking. Avoiding bankruptcy and keeping your credit record intact are two keys to financial success. You also need to know how to distinguish a good credit counseling agency from a bad one. There are many good credit counseling agencies out there but some are bad apples. It is important to understand how credit counseling can effect your credit report. Also be aware of a key change to the bankruptcy laws that involve credit counseling.

What is Debt Consolidation Credit Counseling?

Debt consolidation credit counseling agencies provide a service to people who are in over their heads in debt. Credit counseling agencies provide counselors, education, and Debt Management Plans (DMP). A Debt Management Plan is a service where consumers send an agency a lump sum payment which is then distributed to creditors who have agreed to the plan. Creditors sometimes agree to lower interest rates, waive fees, and post updates to credit reports as well. The convenience of making one payment to a single credit counseling agency is also a plus. The problem with Debt Management Plans is they only address unsecured debt. Secured debts such as home loans or auto loans should be prioritized and paid first. You risk losing your home through foreclosure and your car through repossession if you fail to make your payments.

How to Find a Good Debt Consolidation Credit Counseling Agency

A good credit counseling agency is one that offers an in-person consulting in your local area. Services beyond Debt Management Plans including personalized education are also good options to expect. The National Foundation for Credit Counseling (NFCA) and the Association of Independent Consumer Credit Counseling Agencies (AICCCA) are the key industry groups for credit counseling agencies to be members of. Ideally you want a counselor who will give you personal attention and present you with all of your options. You don’t want to feel pressured into a bad decision.

Some Debt Consolidation Credit Counseling is a Scam

With consumer debt at an all time high and federal personal bankruptcy laws requiring credit counseling many aggressive agencies have opened up shop targeting unsuspecting consumers in need. Non-profit credit counseling status does guarantee legitimacy or trustworthiness. In many states non-profit status is a requirement for a debt consolidation credit counseling agency to do business. Another caveat is that some not-for-profit credit counseling agencies are closely aligned with for profit businesses. Some debt consolidation credit counseling agencies charge excessive fees and only push DMPs. Asking good questions and referring to credit counseling agencies on the NFCA and AICCCA lists will help you sort the wheat from the chaff.

How Debt Consolidation Credit Counseling May Effect Your Credit Report

When you enter into a Debt Management Plan creditors will often make updates to your credit report. These updates include “re-aging” accounts and removing delinquent payment references. A potential drawback is that since lending is subjective, lenders may consider the notes your creditors put on your report as a good or bad sign. A good sign would be that you took steps through credit counseling to take care of your debts. A perceived bad sign would be that you had so much debt that it became unmanageable and you may be a credit risk. In the long term this may effect your credit score.

Debt Consolidation Credit Counseling and Personal Bankruptcy

If you decide that personal bankruptcy is the best course of action for your situation, you need to be aware of a key change to the bankruptcy laws. Before you can file for bankruptcy under either Chapter 7 or Chapter 13 you need to know the law. Changes in the Federal bankruptcy laws brought about by the Bankruptcy Act of 2005 require folks to get credit counseling from a federally approved agency six months before they can take advantage of bankruptcy protection.

Credit Counseling can put you on the right track for lifetime success today. Sleep easier at night and rest assured that your financial future is very bright. You have the tools to pick a good credit counselor. Ask a lot of questions and educate yourself. Do it now!

For more articles on Debt Consolidation Credit Counseling go to: YourDebtCounseling.info

Henna Youngman contributes regularly to YourDebtCounseling.info a blog dedicated to share information about debt counseling and debt consolidation options.

The Cosmic Mind


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The Cosmic Mind personalized is an infinitesimal part of God in man. Just as a drop of water from the ocean has all the ingredients in the ocean, this mind has all the powers of God. However, just as a drop of water from the ocean does not make up the ocean, the mind of one person does not make up God’s mind. All the drops joined together become the ocean, all the minds in the universe together make up God’s mind.

Mind is the source of all happiness, all misery, health, and disease, abundance and lack, riches and poverty, joy and sorrow. As the greatest English poet John Milton suggested, it can make a hell out of heaven or a heaven out of hell. Our mind is a microcosm and creates our universe.

Like a laser beam, mind can focus its attention on the smallest atom or see the whole universe as if it is a speck. Mind can become part of the environment and the cosmos.

The speed of thought is more than the speed of light. In a millisecond, mind can reach the farthest galaxy, billions of light years away. It is instantaneous and unlimited by space or time. For example, the precocious genius Wolfgang Amadeus Mozart said that he could hear a musical work as a single event and not successively and Professor Aitken remarked that he could run through half an hour’s music in half a minute.

What mind is and where it is situated has been debated for centuries. Rarely two philosophers agree on one definition or location for mind.

Rene Descartes, French philosopher, scientist, and mathematician said that there is a total and absolute distinction between mental and material substance and that mind is situated in the pineal gland.

Endocrinologist Ernest Gelhorn thinks that mind is an activity of the entire nervous system. Hughlings Jackson, a neurologist, thinks that consciousness and mind are the same, whereas Percival Bailey, director of the Psychiatric Research Institute, disagrees.

Mind is nonmaterial and cannot become part of a material brain, pineal gland or amygdala. We can go through every nerve cell, analyze electrochemically, spectroscopically, mass-photographically, electronically, and, using all known tests, we will not find any indication of mind. There is no single location for the mind. The human mind is distributed throughout the human body and its environment. Every cell has its own mind and has the ability to function independently or jointly with all the cells of the body.

For example, a neuron is capable of deciding whether it will transmit information to another nerve cell and, if it will, to which one among the thousands of cells with which it is in contact. Similarly, endocrine cells decide whether they will respond to a demand for a particular enzyme by cells in another far corner of the body.

Even sponge cells exhibit a similar capacity of awareness. When a piece of sponge is ground up and individual cells are suspended in solution, they will come together and become a complete sponge within a few hours. This indicates that each cell has a mind of its own to decide to combine with another sponge cell and with which of the thousands of cells floating in solution.

Just as each of the thousand pieces of a splintered mirror will show the same reflection of an object as the whole mirror, each cell reflects our mind and each cell in the universe reflects the universal mind.

Dr. Simon is a retired research scientist and philanthropist. Visit his website at http://simonsecret.org and read his books, The Missing Piece to Paradise and The Philosopher’s Notebook

Why You Should Use A Spyware Removal Tool


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All computer users that access the internet should be using a spyware removal tool. If you don’t know why then keep reading.

Spyware can have many names including adware, malware, trackware, and snoopware but for most internet users it is not the names they are familiar with but the symptoms of a spyware software infection.

Being infected by spyware software means that your computer will be performing very sluggishly, you will have an increased amount of pop up ads appearing, you homepage may change unexpectedly, and you might also find that you get strange search results whilst browsing the internet.

Make no mistake about it, spyware is a nuisance, and the only thing that will help to keep it from your computer is installing and using a spyware removal tool.

Spyware software left undetected on your computer can have disastrous effects. Once of the greatest threats is identity theft. This may seem a little severe but spyware software can include keyloggers that will capture all your keystrokes including passwords, personal information, and even bank details. So you see a spyware removal tool really is essential.

Spyware Facts You Should Know

Did you know that nine out of ten computers that are connected to the internet become infected with spyware software? When a spyware blocker is installed, 88% of scans will reveal some form of spyware or adware. Spyware does not just come from adult orientated websites; in fact your computer can be infected no matter what your surfing habits.

As you can see installing a spyware blocker really is essential especially if you want to protect your information. Spyware will not go away and you need to stay protected. A spyware removal tool can help you do just this and there are a wide range of free spyware downloads available. Install a spyware blocker now or else turn off your computer.

Find more about Spyware Removal on http://www.LeanderNet.com/Spyware_removal/Spyware_removal.php . More useful content on LeanderNet - http://www.LeanderNet.com

Understanding Home Insurance

In today’s generation home insurance has created a mark among all other forms of insurance. Homeowner’s insurance policy provides insurance to personal possessions including the house garage and other structures of property against certain risk factors like theft or fire.

Typical Homeowners insurance policy has two main sections.

Section 1 includes the property of the insured and Section 2 includes the personal liability coverage that needs to be insured.

At times, lender might require homeowner’s insurance as part of requirement in obtaining a mortgage. While buying home insurance policy one has to keep certain important things in mind. One needs the best level of protection as well as the provisions for valuables like jewelry, computer equipment, kitchen appliances and other possessions. In order to have adequate home insurance coverage one must check with agent or home insurance company beforehand to be sure of the adequate coverage instead of relying on the coverage mandated by the bank or mortgage company. Those levels are for protecting the house only and eventually skip the protection of possessions.

While applying for home insurance the insurance company needs to know about your present occupation, employment history, marital status, date of birth and social security number. The insurer needs to check the credit criminal and insurance history. Insurance claims of past is also checked by the home insurance company. The decision to chose a specific type of homeowner’s policy, deductible and how to pay for the coverage depends upon the homeowner.

There is exception to destructions like flood, earthquake and poor maintenance of house. Home insurance is needed and most lending institutions will require the homeowners to acquire a certain amount of coverage before issuing a loan to purchase property. The lender has a vested interest in property and wants to ensure financial compensation in the event of disaster. Homeowners may suffer a default of loan if they fail to carry the level of coverage needed by lender.

Find more about Home Insurance on http://www.LeanderNet.com/Home_insurance/Homeowners_insurance.php . More useful content on LeanderNet - http://www.LeanderNet.com

The Benefits of Spam Blockers


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The benefits of spam blockers are immense. They not only save your time, energy and space, but also prevents your PC from getting infected with viruses, phishing, and crashing down of the whole system. Take a look at the various spam blockers and their effective role in giving you a spam free inbox.

In order to realize the benefits of spam blockers, it is best to first know the possible dangers and difficulties that you can face due to spam and junk mails. You must be constantly irritated by these junk mails. But, there are many other reasons to avoid junk mails filtering into your inbox other than just posing as an obstruction to your eye. There are people who can make the spam look as though it is being sent from your own personal computer. This is known as spoofed email address. Once such a thing occurs, your ISP will cut your internet connection, even without your knowledge. You computer system can be effectively slowed down or it can be crashed due to the impact of viruses that comes with spam. This can lead to all your private information being stolen and to being directed to adult sites. They not only steal all your information, but also delete all that you have stored in your PC. The spam blockers are anti spam software, the uses anti spam programs to prevent the occurrence of these incidents by preventing unsolicited mails from entering your inbox.

Spam Blockers-A Protective Shield for your Computer

Another benefit of using spam blocker is it prevents phishing. Phishing is when you get these junk mails that are dressed as official mails like the bank mails. They ask you to enter your pin code and password to view information or to view the attractive deals. In this process, they collect all your information and utilize it. Spam also occupies a lot of memory space on your computer. They may also contain scams that trick people with attractive money offers. Here comes the importance of spam blockers. The spam blockers prevent the messages from entering your inbox. This saves not only the space, but also the other potential threats and damages.

Some of the effective spam blockers and filters include Spam Bully, Spam Inspector, and Zaep. A portable spam filtering solution, SpamArrest makes it easier for you to check for spam even when you don’t have access to your computer. It makes use of a webmail along with a spam filtering solution. If you are using Outlook, then Qurb is the best option. Anti spam for outlook includes Spam Bully that keeps your inbox free of spam. Even the SpamPal identifies the well known spammers with the help of spam blacklists. For POP accounts, Death2Spam is extremely effective. MailWasher Pro is secure and a time-saving spam filter that also protect your computer from viruses. Make use of the full benefits of these well known spam blockers and email spam filters to make your computer safe and protected from viruses and spam.

Find more about Spam Blocker on http://www.LeanderNet.com/Spam_blocker/Spam_blockers.php . More useful content on LeanderNet - http://www.LeanderNet.com

Rainbow Trout Recipes


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Below you will find three wonderful recipes for rainbow trout. Trout are delicious, when cooked properly. These recipes turn out very well, and Rainbows cooked using any of them are delicious. Enjoy.

Baked Rainbow Trout

2-3 trout
2 tablespoons chopped parsley
2 tablespoons lemon juice
1½ teaspoons seasoned salt
6 tablespoons olive oil
1 large onion-thinly sliced
2 cloves garlic
1 large tomato, thinly sliced
4 teaspoons white wine

Spray 13×9 inch pan with liquid shortening. Arrange fish in pan and sprinkle with parsley, lemon juice and salt. Heat oil in small skillet: fry onion and garlic till limp. Pour over fish. Place tomato on fish and pour wine over fish. Bake 350 degrees 30-45 minutes. Serves 2-3.

Grilled Trout

6 small trout
Salt or seasoning for fish

Prepare trout: rub with oil and sprinkle with salt or seasoning. Place in fish basket if available or place on preheated grill rack and cook for about 15 minutes, turning as needed. Option: Rinse trout under cold water and stuff with lemon wedges and onions. Wrap in foil and cook on hot charcoal or gas grill for 6 minutes on each side. Do not overcook. Open foil and, with back of fish facing you, remove skin. There is a line
down the middle dividing the back meat and the belly meat. With fork,
Pull the back meat toward you and belly meat away from you and remove bone.
Squeeze on fresh lemon. Salt and pepper as needed.

Rainbow Trout with Artichoke Heart

6 Rainbow Trout fillets
1/2 cup butter
4 tbsp. green onion, chopped
2 tbsp. parsley, chopped
3 cloves garlic, minced
1 tbsp. lemon juice
8 oz. can of sliced mushrooms, drained
14 oz can artichoke hearts, sliced, and drained
1 tsp. salt
1/2 tsp. cayenne pepper

Pat rainbow trout fillets with a paper towel and place in flat baking dish. Melt butter in sauce pan and saute the green onions, parsley and garlic until tender. Add lemon juice, mushrooms, artichoke hearts, salt and pepper. Cook for a few minutes until heated thoroughly. Pour sauce over the filets and bake in 325 degree F oven for about 18 minutes or until fish flakes with a fork. Serves 4.

Trevor Kugler is co-founder of http://www.JRWfishing.com and an avid angler. He has more than 20 years experience fishing for all types of fish, and 15 years of business and internet experience. He currently raises his three year old daughter in the heart of trout fishing country…..Montana!

Gang Hooks Tied & Ready To Fish!!!: http://www.jrwfishing.com/starterkit.asp

How You Can Get Great Looking Skin For The Rest Of Your Life


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Not to sound catty or anything but why is it some women always look good no matter what the situation? They can be sitting in traffic for over an hour after working all day and still look like a million bucks. It’s not fair!!

One woman I work with has the same fresh-looking face to her at quitting time as she did when she walked in. I hate her. My friend can be up all night at a party then show up the next day still looking like she should be high school. I don’t think she’ll be my friend anymore. Another girl I know tans everyday YET has no wrinkles. I’m letting the air out of her tires next time I see her.

The question I ask myself every day is “how do they do it?” Well, after countless hours online searching for the best skin care tips, I found these recommendations.

Master the basics - The best thing you can do for your skin is to treat it like the finest piece of silk found in the world.

1.-Keep free of buildup by using a gentle cleanser in the morning and at night. Cleanse your face gently in upward motion stokes.

2.-Freshen up your skin and keep it hydrated with a moisturizer that is compatible with your skin type.

3.-Treat yourself to an at-home-facial 2 to 3 times a week. Use a mild cleanser, then exfoliate with a gentle scrub that contains exfoliates that are round and non-abrasive. Then, apply a facial mask after exfoliating.

Secret to a natural, flawless look - Have you ever wondered how some people get that natural flawless-looking skin?

1.-Apply a foundation to your cheeks, forehead, and chin. Blend the foundation all the way to your natural hairline. Continue blending over the jaw-line and onto your neck for a natural, seamless look. Check your face and neck in natural light to make sure the foundation is completely blended in all areas.

2.-If under-eye circles or red spots still remain, don’t add more foundation; it will look heavy and cakey. Try a concealer, instead. Choose a shade of foundation carefully. When testing out shades, pick one that matches the tone of your jaw-line exactly.

3.-Begin by applying a small amount of foundation then increase the amount to achieve a degree of coverage that best suits your skin. Mix your foundation with a light SPF moisturizer before applying for a smoother, a more sheer application if you will be out in the sun.

Hide imperfections - The best thing to always remember is: a little concealer goes a long way! Everyone has tricks to hide those unsightly imperfections just go easy with it. Concealer is denser than foundation, allowing fuller coverage of trouble spots and hyper-pigmentation. It can be used over foundation or on it own.

1.-Since the skin under your eyes is more transparent, it often tends to look dark, especially the inner corners near the bridge of your nose. To even out the tone, a concealer is a must have.

2.-To cover trouble spots and imperfections, apply a thicker cream concealer onto the blemish or flaw and lightly press with a makeup sponge.

3.-When choosing the shade of your concealer, pick one that matches your skin tone or go one shade lighter.

4.-Prepare your skin with a light SPF moisturizer before applying concealer for a smoother application.

I’m going to try these steps for the next few weeks and see how everything turns out. Keep your fingers crossed for me. When I’m done with this skin regiment, those women I was just talking about might just talk about me. I love it!

For more information on subjects such as this, be sure to visit the experts at MakeUpTip.com. When they’re done, your face will look like you just left an expensive salon. They offer href="http://www.makeuptip.com">makeup tips on how to achieve a velvety, natural finish and keep your makeup lasting longer. Visit them and find out how to look like million dollars on a real woman’s budget.

Angie is a recent college graduate in communications. She specializes in writing beauty tips and secrets. Angie currently writes href="http://www.makeuptip.com">makeup tip and beauty articles for Makeuptip.com, a website offering countless tips about applying makeup correctly.