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These little known quotes on forgiveness bring a perspective worth contemplating–including, George Bernard Shaw, Mahatma Gandhi, Gerald Jampolsky, Dorothy M. Neddermeyer, et al.

“The ineffable joy of forgiving and being forgiven forms an ecstasy that might well arouse the envy of the gods.” -Elbert Hubbard

“For my part I believe in the forgiveness of sin and the redemption of ignorance.” -Adlai E. Stevenson

“It’s said in Hollywood that you should always forgive your enemies - because you never know when you’ll have to work with them.” -Lana Turner

“Forgiveness is a funny thing. It warms the heart and cools the sting.” -William A. Ward

“The weak can never forgive. Forgiveness is the attribute of the strong.” -Mahatma Gandhi

“Forgiveness is choosing to love. It is the first skill of self-giving love.” -Mahatma Gandhi

“Forgiveness means letting go of the past.” -Gerald Jampolsky

“Forgiveness is the final form of love.” -Reinhold Niebuhr

“When you forgive, you in no way change the past - but you sure do change the future.” -Bernard Meltzer

“One forgives to the degree that one loves.” -Francois de La Rochefoucauld

“Forgive him, for he believes that the customs of his tribe are the laws of nature!” -George Bernard Shaw

“Forgiveness is my way to ‘wipe the windows’ of my life; to clear the lens of my soul so that I may see and experience each living moment for what it is; and embrace it with trust and wonder.” -Dorothy M. Neddermeyer

“There is no love without forgiveness, and there is no forgiveness without love.” -Bryant H. McGill

Dorothy M. Neddermeyer, PhD, Life Coach, Hypnotherapist, Author, “101 Great Ways To Improve Your Life.” Mind, Body, Spirit healing and Physical/Sexual Abuse Prevention and Recovery. As an inspirational leader, Dr. Neddermeyer empowers people to view life’s challenges as an opportunity for Personal/Professional Growth and Spiritual Awakening. http://www.drdorothy.net

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A ‘tog’ is an industry standard name used for measuring the warmth of a duvet. The higher the tog rating or tog value, the warmer the duvet or quilt though the tog doesn’t represent how heavy, light or thick the duvet or quilt may be. Lightweight duvets and quilts can insulate your body from the cold just as effectively as heavier ones. This is because some duvet and quilt fillings are better insulators than others.

Togs are measured in units of thermal resistance. For example, if a duvet or quilt had a tog rating of 4.5 then it would be more appropriate to be used in the summer months. At the other end of the scale, duvets or quilts with a tog rating of 13.5 or higher would be used in the colder months of the year.

summer >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> winter

The most common tog ratings for duvets or quilts vary between four point five (4.5) tog, beeing the bedding industry minimum to fifteen (15) togs which is regarded as the highest tog rating available.

A common misconception made by consumers is that a synthetic duvet or quilt, ie: filled with Hollowfibre or cluster fill fibre will be colder and less effective than a natural fill duvet such as goose or duck down. This simply is not the case. Goose or duck down is lighter and has more fill power than synthetic filled duvets. This means that less natural filling is required to achieve the same tog value as a synthetic duvet.

4.5 tog 6 tog 7.5 tog 9 tog 10.5 tog 12 tog 13.5 tog 15 tog

Tony Pollitt is the owner of Duvetsonline. Providing high quality bedding to UK consumers.

Owning a pet is a fun experience. A dog proves to be a very good companion and is considered to be a man’s best friend. Training your dog can be made as much fun as playing with him. All you need to remember are a few tips and guidelines to train your dog effectively in a short span of time. Potty training your pet dog can be quite annoying and troublesome task. Don’t worry!

The best way to begin your pet’s potty training is by keeping a careful eye on him. Remember, the trick is to catch your pet red-handed while relieving himself inside the house. Once you catch him, scold him then and there while he continues the act. If you get angry at the dog, when you find the evidence of his misdoing, the dog will not understand the reason for your annoyance. Your anger may confuse your dog and may lead to retaliation. Hence, it is very crucial to scold your dog while you see him urinating or defecating. A word of caution - to not spank or hit your dog; just show your displeasure by being firm with him.

After being firm with your dog, guide your pet outside the house and show him the right place to relieve himself. Ensure that you guide him towards the right location; otherwise you may end up with a messy garden or complaints from the neighbours.

You need to remember that excess usage of control devices can be dangerous and cause negative effect on the training. Hence, you need to exercise your due diligence and use such control methods responsibly. Control methods when effectively combined with training methods, will definitely give you the desired result in potty training your pet. Two rules that you must remember while potty training your dog is - never use physical punishment in case of occasional mistakes and praise your dog every time he does it in the right place. Two attributes for success in your dog’s potty-training endeavour will be your dedication and patience. Once you make up your mind and are ready to give your pet enough time to learn, personally potty training your pet will be a piece of cake for you!

Eric Hartwell oversees “The World’s Best Homepage” intended to be a user-generated resource where YOUR opinion counts. Anybody can contribute and all are welcomed. Visit us to read, comment upon or share opinions on dogs and pets and visit our associated site articles for free.

There are many different ways that a person can learn search engine optimization and
one of these ways is through free online classes that are constantly being given out
about the topic. One class in particular advertises themselves as being a great and
laid back way to learn search engine optimization simply because:

a) The classes are free

b) The format is informal throughout the whole training as it is run in Yahoo groups

c) The classes are continually running, thereby giving you the chance to easily pick up
where you have left off should you so need to do so.

According to representatives and graduates of this course it really served to give them a
great introduction that they were able to build on and many of them attribute the
successes they have had in the internet marketing field to these types of classes.

And indeed there is absolutely nothing wrong with this type of approach; taking a few
classes at low or not cost is a great way to learn the basics of search engine
optimization.

That having been said, you should not think of the classes as your safety net. Over 95%
of online internet businesses eventually fail because people spend more time planning
than doing.

If you spend all of this time learning techniques of search engine optimization and then
never end up applying them then you have wasted a bunch of your time doing nothing. It is
very important that you keep this in mind and indeed do everything that you can to fight
against the complacency that comes with learning new material.

Get out there and get experience while you are learning; experience trumps all other
aspects within the search engine optimization field. Don’t be afraid to try out the
new concepts you have learned while you are waiting for the next class to start!

If you combine a good training course with your own desire and work ethic you can
definitely go a very long way in this field.

Do you want to learn more about how I do it? I have just completed my brand new guide to Search Engine Marketing Success. Discover The *Secret Formula* We’ve Used To Stay In Google’s Top 3 Rankings For Over 3 Years For Some Of The Toughest Keywords Around (18 MILLION Competitors!)

Download it free here: Search Engine Marketing Success

Serge Daudelin

Affordable Search Engine Optimization Services.com

Serge Daudelin is a Search Engine Optimization Specialist who has written over 300 articles in print and 5 published ebooks. Serge is dedicated to helping others and offering the best information on how to make more money online.

If you have an Internet business then your website or websites are the foundation of your business. The look, feel, and perception of your website can make or break your success. Therefore, you want to maximize the effectiveness of your website to bring in subscribers and boost sales. Following are common questions regarding Internet business websites that every Internet entrepreneur should know.

Website Question #1: How do you set up a squeeze page?

The basic steps for setting up a squeeze page include:

1.-Make sure you have a domain and hosting account.

2.-Verify that your domain is on your hosting account.

3.-Go into Microsoft FrontPage and build a website. Microsoft FrontPage is simple to use and will walk you through the steps to build a website.

4.-Make sure that your Autoresponder form matches the form on your squeeze page so that your Autoresponder will correctly capture personal information from the squeeze page.

Other tips include writing a catchy headline that will grab visitors’ attention. Entice people to subscribe to your list by giving them free items such as a free newsletter, bonus report, or eBook.

Website Question #2: Should you have a photo of yourself on your squeeze page?
Be careful of having photos on your squeeze page because photos have large file sizes. If you do use a photo you need to make sure that you shrink the size of the photo file otherwise it will take too long to boot up your squeeze page. This will frustrate visitors and they may skip going to your page because they have to wait too long.

Also, when visitors view your squeeze page their eyes will first be attracted to a photo before they read anything else. Sometimes they may miss important information on your website if they are distracted by a photo. Therefore, it is recommended that you avoid using photos on your squeeze page and stick to text. Text is easier and your squeeze page will load much faster.

Follow these website tips and visitors will be subscribing at a rapid pace!

Matt Bacak began investing his first earnings at the tender age of 12, a young businessman in the making. Now, 15 years later, Bacak survived failed businesses, botched partnerships, heavy credit card debt and bankruptcy - all in preparation for the accomplishments he has achieved today as a well-established Internet millionaire and best-selling author.

For more information, visit http://www.powerfulpromoter.com or sign up for his Powerful Promoting Tips at http://www.promotingtips.com

Adjustable rate loans are loans that have a rate, which can adjust throughout the course of the loan’s repayment, depending upon the movement of the specific Index. For example, a commonly used Index is the one-year Treasury Bill. Adjustable rate loan programs may initially offer a lower interest rate than a fixed-rate mortgage. This makes them attractive to people whom, by taking the lower initial interest rate, qualify for a larger mortgage. People who can benefit from an adjustable rate loan are people planning on moving or refinancing within the next five years, people with high probability of increasing their income, and people who need a low initial interest rate in order to qualify for their mortgage.

Before someone applies for an ARM it is important for that person to ask about the interest rate caps. Arms typically have 2 caps on how high or low the interest rate can adjust which also affects how high or low the mortgage payment adjusts. One cap sets the most that your interest rate can go up or down during the entire life of the loan. Caps of 2 percent per adjustment and 6 percent over the life of the loan are common. If your loan starts at 5 percent and the per adjustment cap is 2 percent, then your interest rate for that adjustment period cannot go higher than 11 percent over the life of the loan. It is important for one to discern what their comfort level is if the mortgage payment was at the highest rate adjustment in the future.

There are several types of ARM loans available. These include the following:

Standard Arm
This loan is available with initial rates that are fixed for 1, 3, 5, 7 or 10 years. When the initial period is up, then the loan will adjust based on a formula, which varies from program to program. The rate caps are typically 2 percent per adjustment and 6 percent over the life of the loan.

Balloon
These are available with initial rates that are locked in for 5 to 7 years. Whatever the remaining amount on the loan is due in full at the end of the rate period.

Negative Amortization Loans
These loans do not payoff the principle or the full amount of interest that is due. Negative amortization is a loan payment schedule in which the outstanding principle balance goes up rather than down. This loan allows for the lowest possible payment that you can make.

Buy-Downs
This program is based on the standard ARM program, but allows for reduced interest payments for the first couple of years. The reduced interest lowers the mortgage payment and may allow someone to qualify for a loan that they otherwise would not have qualified for at a higher rate. The borrower is responsible for paying the difference between the below market rate of the loan and the initial rate. This can be done with either a lump sum in escrow or by paying the required points on the loan. Be sure to consult with an independent financial advisor when deciding upon which loan type is applicable to your situation.

Reputable Mortgage Companies Online
- We maintain a list of recommended mortgage companies online and update the list regularly.

15 Red Flags That You Are Getting a Risky Mortgage- Read this article to learn 15 warning signs of a risky mortgage.

You’ve seen the commercials on television: “When mortgage lenders compete…” Should you use a website like this to refinance your mortgage? These sites can be a good resource for refinancing if you read the fine print. Here are several tips to help you avoid being stung with a “Computerized Loan Origination Fee” when refinancing your home loan.

You might be surprised to learn that the majority of mortgage sites on the Internet have absolutely nothing to do with mortgage loans. These companies put up a website with a contact form for harvesting information, advertise on television and sell the information they collect to every mortgage lender willing to purchase it. The problem comes from a handful of these well known sites that receive “Computerized Loan Origination Fees” from the lenders that purchase your information. Here’s what you need to know about this fee.

Take a look at the website of the well known mortgage company that advertises on television that they’ll get lenders competing for your business. At the bottom of the page you’ll see a link called “Licenses & Disclosures.” About halfway down the page in the middle of all the legal mumbo jumbo you’ll find disclosure of the fee they receive for selling your contact and financial information. This particular “lending” website receives a fee of $1,300 for their part in “arranging” your new mortgage loan.

You might be asking yourself “If the lender pays the fee, what’s the problem?” The problem with these so called “Computerized Origination Fees” is that the charge is passed on to you on your Good Faith Estimate. This is money that you’ll be required to pay at closing because you put your name and address in the contact from of the wrong mortgage website. The bottom line: always read the terms and conditions before you fill out a contact form on any mortgage site.

You can learn more about refinancing your mortgage while avoiding costly mistakes like computerized loan origination fees with a free mortgage tutorial.

To get your FREE six-part Mortgage Refinancing Tutorial, visit RefiAdvisor.com using the link below.

Louie Latour specializes in showing homeowners how to avoid costly mortgage mistakes and predatory lenders.

To get your hands on this free video tutorial: “Mortgage Refinance - What You Need to Know,” which teaches strategies for finding the best mortgage and saving thousands of dollars in the process, visit Refiadvisor.com.

Get your free mortgage refinancing tutorial today at: http://www.refiadvisor.com

Home Mortgage Refinance

Today’s tragic events at Virginia Tech mark the deadliest school shooting in US history. Charles Whitman, a 25 year old ex-marine killed 13 on the University of Texas campus in 1966. Klebold and Harris killed 12 at Columbine High School in 1999. One gunman killed at least 32 and wounded as many more at Virginia Tech today. The campus had bomb threats last week, as well. In fact, violent acts, particularly murders, are on the rise in many US cities. What does this mean? What is happening in our society? Is it preventable?

The risk factors for violence have been well research and are known. Interventions to reduce these risk factors and increase resiliency are also known and have become evidence based practice. Assessment tools can identify seventy-five to eighty-five percent of youth at risk for violence at a young age. Others can create a case plan that outlines the types and intensity of services needed to prevent future violence.

No one risk factor predicts that a youth will be violent. It is the accumulation of risk factors beyond 5 that place a youth at risk for violence. Some of the known risk factors include a history of childhood trauma, skill deficits (poor problem solving, anger management, and social skills), school behavior problems, learning problems, problems interacting with pro-social peers, history of aggression, delinquency, substance abuse, lack of appropriate parental discipline, high conflict and low warmth within the family, and other behavior problems, especially those that start before the age of 13. Vulnerable youth are more easily influenced by violent media of all kinds and are susceptible to stress without good coping skills.

The Olds model of home visiting nurses and preschool with parental involvement have clearly demonstrated their effectiveness in reducing later youth delinquency and violence. Emerging new data indicates that School Based Mental Health programs reduce youth violence. Functional Family Therapy and Multi-systemic therapy are all evidence based practice for “at risk” youth. Stopping child abuse and neglect can reduce future youth violence. Skill building activities help many “at risk” youth. We know how to prevent some percentage of future youth violence. We, as a society, need to commit ourselves to doing so.

Dr. Kathryn Seifert is a psychotherapist with over 30 years experience in mental health, addictions, and criminal justice work. Dr. Seifert has authored the CARE and numerous articles. She speaks nationally on mental health related topics and youth violence. She is an expert witness in the areas of youth and adult violence and sexual offending. Her latest book is coming soon: How Children Become Violent. For more information go to http://www.drkathyseifert.com

How to choose a juicer? There are many kinds of juicer on the market today, from the simple lemon squeezer to state-of-the-art juice extractors. So which one should you choose , you want to consider your budget, the size of your family or if you are a vegetarian. In my opinion you should get the best and strongest that you can afford so you are not tempted to put it away in the cupboard and forget about it. You want to keep this kitchen appliance on the counter where you see it. Mixers and blenders can also be used.

How long can you keep the juice for? If you squeeze fresh orange juice you want to drink it right away. The reason for this is because it will start to separate in a matter of moments. Oxidization starts to happen within minutes, depending on the kind of juice. Another way to look at it - think of an apple and how quickly it turns brown. The apple is still edible, but it’s better for you, not to mention tastier if you juice it and drink it right away. The antioxidants in the juice will absorb any excess free radicals within your body to help prevent cell damage by these free radicals.

How many ingredients do I need? The fewer the better. If you start to add too many flavors, your drink will taste very fruity and be very thick like a milkshake. Some juices, like beetroot and spinach are good for you in small quantities, but not so good for you in large quantities. Beets are famous as a blood tonic and are full of vitamins - A, B group, C, potassium, calcium and iron. They are good for blood pressure, protect against anemia, and promote overall good health. Spinach contains oxalic acid which stops other vitamins from being used by the body. You want to mix small amount of your favorite juices like apples and oranges which both contain vitamin C.

Sweet and Salt? Fruits today often do not get a chance to ripen on the tree, so they are sour in taste. You can add sugar or honey (which is sugar) to sweetener up your drink or you can use one of natures natural sweetener - apple juice. Some vegetable juices could use a pinch of salt to spice up their flavor. But if you do not approve of salt like me, try squeezing a little bit of lemon juice.

Tonics from herbs and spices: Herbs and spices are age-old ways to flavor food and influence the body and mind. Rosemary tea will wake you up and lavender tea will help you sleep. Ordinary tea will perk you up. Cardamom and ginger will calm an upset stomach. Star anise and lemon are just simply comforting.

Thanks to inexpensive juicers, blenders and mixers we can all make our own drinks from fresh fruits and vegetables in no time at all. It’s an easy way to good health.

Michelle Nagy
For http://www.classicchoicekitchen.com/

Every bride wants the perfect wedding cake design. But how without a background in design and at least a general familiarity with the baking business how do you know what is possible and what is not? Indeed, there are probably more wedding cake designs than wedding themes. So if you’ve been wondering how to find ideas for my wedding cake design, here are some tips for you.

Fortunately, while “How do I get ideas for my wedding cake design?” is one of the most asked questions among brides, the answer is that there really are several outlets for wedding cake design ideas.

There are an abundance of wedding cake galleries on the Internet. Do a search for “wedding cake pictures” or “wedding cake designs” then take some time to browse and picture each design as a part of your celebration. Then if you find one that really strikes your fancy, you can print out a picture and file it to show your pastry chef when it comes time to find a bakery to create you masterpiece. Note: Doing the same search with your city and state included might find you a skilled wedding cake provider that you are unfamiliar with.

Another option is a wedding planner; they will often have pictures of wedding cakes that you can adapt to meet your needs.

Go to weddings, when you can get an invitation an look at the wedding cake - this will give you the opportunity to to taste it as well which could lead you to - and / or away from certain bakeries as well as giving you design ideas.

Ask to look at your friends and family’s wedding photographs. It’s a rare individual that won’t jump at the chance to show them off and the picture of the cake they commissioned might inspire you.

If you are talented at design, you could even sit down and draft your own design for a wedding cake that reflects your wedding only.

Most bakeries have a book that contains a picture gallery of wedding cakes but save your visit to any pastry chef (regardless of whether they are in a formal bakery or are employed by the hotel that is hosting your reception)until after you have a pretty good idea of what you want. Why? Simply because an experienced pastry chef will be able to help you adapt an idea to fit your budget, but he or she can only do that if you have an idea for your wedding cake design in the first place.

Wedding cakes come in all colors and shapes and can be adapted to what you want. From the traditional designs with garlands and icing flowers to a cake that looks like a stack of wedding presents, to a stack of crowns, to a tower of pastry, pillars, and flowers complete with butterflies - your options are endless so don’t wear yourself out worrying about how to get an idea for you wedding cake design. There are plenty of sources out there.

Jeanette Shinn is a wedding professional with over a dozen years experience making dreams come alive. Find tips and accessories from cake jewelry to cake knife & server sets at http://www.ExcitingWeddingFavors.com.