How can you make $500 overnight with Google Adsense


I am sure my topic on " How can you make $500 overnight with Google Adsense" must have attracted you. It is quite obvious as all of us are here to earn money and live a luxurious life. Google Adsense is a perfect way if you are seeking to earn some revenue through your websites. More and more people are building websites just for the sake of making some money through Google Adsense. Internet Marketing is no longer a mere buying and selling business. There have been constant changes happening in the Internet world and more and more ways to earn money are coming up. Google Adsense is one of its kinds and is today considered as the best source to make your living on the web.  


I want to dedicate this article especially for all those who are new to Google Adsense and those who dare to believe that they can make $500 each day and even more. Before giving you some useful tips that can help you grow your adsense earnings I would like to share with you my success story.


I started on as a Search Engine Optimizer and was placed in a very reputable firm. I made nearly $500 with my job every month. One fine day I decided to do something additional apart from my daily routine job. I made a website, placed some google adsense, used some adsnese tricks and here I am making $500 everyday today. From earning $500 every month to $500 every day what better can I ask from Google? Now that I am well versed with search engines I want to share my knowledge and my services to all you guys. You can avail service for SEO assistance or Google Adsense at my website www.webcontentwriters.com


Just a quick wrapping with useful tips that helped me earn thousand $$$ in minutes.


· Color the code of your Google ad to match your website palette. · Never use frames around the table. · It would be advisable to use color of your page background to match your ad frame and ad background. · Avoid using the horizontal banner 468X60 by all means. People often over look such banners so its better not using them. · It is not a very good idea to put Google Adsense on empty pages. If you have good content the Google ads will reflect the related keywords ad thereby giving you more earnings on every click.


Article by: www.seocontentwriters.com

The Way To Win Through Personal Development And Self Improvement


Are you growing constantly? In a perpetual state of Personal Development and Self Improvement? Do you greet each morning with joy and wonder? Are you happy to be you and in this moment? If so then you have no need to read further.


If, however, you wake each morning feeling anything but joy and excitement. If you greet the day with a moan or trepidation. If you are unhappy with your life and the progress you have made thus far, then take hope. There is a way to become the winner you were born to be and I am about to show you it!




Perhaps as an adult you have tried to better your life many times only to hit road block after road block. This is a common occurrence for those of us who wish to create better lives and happier environments. Sometimes going or what you want can stir up strong negative emotions and beliefs, leaving you feeling like a failure or loser. 


However, do you realise that you were born a winner? You are already a winner! You have achieved the seemingly impossible since the day of your birth. You learned to walk upright on two legs regardless of the fact that you fell many times trying. You learned an unbelievably complex language so well that you don t need to think about what you re saying, all you need to do is hold an image in mind and you can instantly vocalise it! You can say things to yourself in your mind and instantly express those thoughts on paper in the form of words and sentences that were once merely strange symbols to you. Without any conscious effort you can read a book and understand every word. Don't you think it's time to reclaim your birth right and, once again, become the winner that you truly are and apply it to every are of your life?


You were born with tremendous self-belief and self-confidence. You never thought for a moment that was anything that could stop you from having, doing or being anything you wanted. As you got older adults started to tell you that you had boundaries and limitations and slowly but surely you began to believe them. Thus as you progressed in your journey to adulthood you started to learn how to lose in the game of life.  You lowered your expectations and began to believe that you were incapable of achieving certain things, should not expect to get what you want and on some level that you are undeserving of success, happiness and achievement.


In order to escape these feelings of disappointment, dissatisfaction and low self-esteem you learned escape mechanisms. You may use smoking, drinking, sex, TV, gambling, thrill seeking etc., as a form of escape.  These habits are merely learned behaviour designed to cope with the feelings that drive them which are also learned. None of these states are natural to you!


Your natural state is of bliss, joy and wonderment just look at a baby! This state of joy with no self-imposed feelings of limitation is the driving force behind success. In order to achieve success at your endeavours you must first remove the negative beliefs and feelings that were programmed into your subconscious mind at an earlier age and thus start to uncover your successful, blissful, natural, winning state.


The Personal Development Industry and Self Improvement field have developed numerous methods for removing your self-imposed limiting beliefs in order to uncover the real unlimitedness and joy within you.


The tools available to create inner change range from hypnosis and sound therapy, at one end of the spectrum, to visualization and energy work, at the other. In order to eliminate your own resistance and the negative thoughts and feelings which are holding you back from the life you want you must seek the appropriate tools. There are a myriad of techniques, tools and instruments to help you in this objective. You are a self-fulfilling prophecy. We all create our own worlds. You are creating your tomorrows today!


To achieve success and uncover your true inner joy it is extremely important to monitor your self-talk the inner dialogue that is constant throughout your day. By doing this you can identify your own self-defeating views about yourself and your world. Become aware of how you use you internal voice. Look at the way in which you internally talk about yourself, others and the world in general. If something goes wrong do you immediately blame others, yourself, the world or even God? Do you expect to succeed or fail? Look at your views and identify what your self-talk is telling you about your self-imposed limitations.


Once you have identified these false limitations that you hold you can then seek the appropriate method, technique or tool to eliminate it. Hold the intention that you will identify the thoughts and feelings that are holding you back and then seek some guidance on the best way to remove these inner blocks to your success.


You are already creating your life. You are creating your own tomorrows with the thoughts and feelings you are holding in mind today. You can truly have, be or do anything you desire if you clear up the internal garbage that is holding you back. Clearing unwanted beliefs is relatively easy these days as there are numerous cutting-edge technologies available. Hypnosis has progressed to a stage where a phobia can be cured with one session, binaural beats, light and sound machines, subliminal messages, the Sedona Method etc., have all been developed to make change happen quickly, easily and in some cases effortlessly. The problem is not having a way to remove these limitations of the mind the only problem you have now is identifying them.


Begin today to watch exactly how you speak to yourself internally. This is the fastest way to understanding how you view yourself and your world. Look for the negative beliefs you hold. Once you have identified them get some Personal Development tools and start to change these beliefs. Your life will change is ways you can only imagine and you will become the winner you were born to be!

How To Develop A Motivated Mindset


From time to time, each of us will find ourselves in a rut of boredom and disinterest. We seem to lose our zest for life and feel tired, irritable and unmotivated. We want to hide under the covers rather than face the day. Perhaps you're feeling overwhelmed by work, or sad about the pain and suffering in the world, or just bored with the routine of your daily life.




You are not alone. We all go through periods like this at some point. The good news is that we can do something about it. Here are some tips to help break out of the rut and feel excited about life again:


1) Take a "Time Out" - Prolonged stress can wear us down and zap any enthusiasm we once had. Before doing anything else, take a few minutes to breathe and just BE. Empty your mind of all stress and worry. This takes practice, but don't give up! As thoughts come into your mind, gently push them back out and continue to keep your mind empty and calm. Take slow, deep breaths and let all of your muscles relax. Sit quietly and recharge your batteries. Try to do this daily, or even twice daily (morning and night). We need quiet time as much as we need anything else in life. Give yourself the gift of inner peace.


2) Get Inspired - Read something motivational, inspirational or uplifting. Look at some beautiful nature photos, or read something humorous. Consciously move your thoughts to a more positive place. Focusing on nothing but work and our daily tasks in life can leave us feeling pretty uninspired. It's easy to turn it around if we want to. We just have to seek out things that will lift our spirits and our moods. Make it a point to laugh, be happy, joyful and lighthearted each day. Don't wait for inspiration to come knocking on your door, go out and find it, or create it. Conjure up some funny or touching memories. Write them in a journal so you can go back and read them when you're feeling down.


3) Get Excited - Think about the things you have planned for the day, and rekindle the enthusiasm you once felt for them. When we first begin a new project, or start a new job, we are excited about the possibilities and eager to get moving! Over time, we can lose that enthusiasm for a variety of reasons. Travel back in time for a moment, and think about what got you so excited at the beginning. What made your heart beat a little faster? Recapture that feeling and hang onto it! Even if your tasks aren't anything to be really excited about, at least think of some positive benefits to doing them. For example, list the ways they will benefit your children, your spouse, yourself, your job or your home. Identify the payoff, and focus on that. Even mundane tasks have some benefits. Sometimes it's just a matter of switching our mindset to see the positive side.


4) Baby Steps - Sometimes the hardest part is actually getting started. A project seems so monstrous that we cringe at the thought of all that time and energy we'll have to expend. Instead of overwhelming yourself, start small. Set a timer for 15 minutes and just start working on it. Allow yourself to stop after 15 minutes if you really want to. But most often, once we actually start working on something, we won't want to stop. Don't focus on the big picture, look at the smaller details and take them on one at a time. Any large task seems manageable once we break it down into smaller steps.


5) Care of the Body - Sometimes our feelings of fatigue are caused by physical deficiencies, not mental. Be sure you are getting enough rest, eating food that nourishes your body, drinking enough water, getting enough exercise, etc. Especially when we're very busy, we tend to grab the quickest, easiest meals, which aren't always the best choice for our bodies. Eating a lot of highly processed foods and sugar is like putting watered-down gasoline into our cars. In order for our cars to run smoothly, we need to maintain them properly, and so it is with our bodies also. Remember, the body is the vehicle for the mind and soul! ;-)


Finally, remember to reward yourself from time to time, and be gentle with yourself! There will always be things that "need" to be done. But some of us take on way more than we can handle, and our lives turn into a pit of drudgery because of it. Try to eliminate the things that truly don't bring you joy, or at least minimize the time you spend on them. Do what you can, and let the rest go. Or ask for help. Don't feel you have to do everything yourself.


Remember that motivation, just like happiness, is something we CHOOSE. We may need to give ourselves a little push at the beginning, but once we get into the right mindset, it's simple to stay there if we choose to.

4 Steps to Peace of Mind


A friend has this quotation on his office wall: "I know worry works because nothing I worry about ever happens."


I think I must believe that, because I worry a lot -- and about the most insignificant things. I worry about the big things, of course, like health, relationships, and finances. But I'm also liable to fret about anything and everything that finds its way into my consciousness. Because I spend so much time on worry, I've decided to embrace it with a personal research project. Maybe you'd like to join me.


Here are two avenues I'm exploring:


1) I practice catching myself at it. "Hey, I'm worrying again." During a recent morning swim, I caught myself worrying 10 times during one lap! I'm not kidding. On rare days when I don't have anything to worry about, I find something. What I've learned is that worry is a mental habit. I can change habits; I've done it before. There's hope.


2) My second approach is to practice presence. By this I mean stopping my thoughts. In my workshops, I ring a bell to help participants practice centering. The quieter we are, the longer we hear the bell. There's a lovely moment when we all listen . . . until the ring is barely audible . . . then just a memory. I relish that moment of quiet before my thoughts re-engage. There is no future or past, just Now. No worrying thoughts -- no thoughts at all. It's a peaceful place, which is why I stretch the moment. I want to strengthen the connection to something greater than my worries.


3) When I told my good friend Rosie about my worry project, she told me about her approach, which is to do one of three things: decide to address the issue right then; if you can't do anything about it at the moment, give yourself a time to address it later; or decide that it is not important and let it go. In other words, act on it, file it or throw it away.


4) Finally, one of Rosie's favorite worry stoppers (and mine) is to sing. Connect with your self, your creativity, and the place where everything really is okay.


Awareness and acknowledgment are the keys to changing our habits. Morihei Ueshiba, who founded aikido and spoke of it as the Art of Peace, said we must "always practice the Art of Peace in a vibrant and joyful manner." Perhaps my research project on worry will help me to lighten up, smile, and live each day in such a way.


Are you worrying? Stop your thoughts for a moment. Listen to the sounds around you, pay attention, and be present to this key moment. And smile . . . for no reason. You may find that's the best reason of all.

Applying For A Credit Card


Many people feel that they need to have a credit card because of some reasons. It is because they don't have a cash to pay for some bills that they have incurred. Some also want to have a credit card so that they don't have to carry big amount of cash. Others want to have it because they find it easy to buy things even if they don't have cash with them. For whatever reason, some people just feel they need to have a credit card.


But you before you can get a credit card you have to apply for it. You will fill out a form and sign your name if you apply for a credit card. It is important to know and understand what the responsibilities are in having a credit card. Many people fall on large amount of debt and ends up with credit problems.


There are so many ways in applying for a credit card. There's online credit card application, filling out application through mail or call a company that offers credit card. Remember that in applying for credit card you have to give some of your personal information. You would also give the information about your income, address and phone number of your employer and also the name of your employer.


Before filling out those credit card application forms, here are some tips to know about that can help you get accepted and be able to handle your credit. You can probably start looking for a credit card application in the internet. You can already gather some important information and be able to choose the credit card that suits you best.


Check first your own resources or assets before you apply for credit card and see if you can handle it. Some of us are prone to go a small shopping binge every now and then but when payments come through we panic.


Look for the companies that would offer the best bonus program and APR rate. Most company offers low introductory rates for new credit card holders and some would offer no APR rates for a year. But keep in mind that to get these good deals, you need to have a good credit record. 


Credit card companies offer different kinds of bonus programs. There are companies that offer cash back awards. Others would give you some points towards merchandise and it can be traded with some items. Some would give you a free airline trip.


Another thing that you should look when applying for credit card is the annual fee and your credit limit. Credit limit is usually based on your credit score and income. Never get too high credit limit that you cannot handle.


Be careful in choosing a credit card and always verify all the small print and payments that you sign. There are some companies that would offer and give you credit card and claim that they won't look for your credit history. Be warned because having credit card could force you into big debt.  


Decide seriously in applying for credit card. It should be handled wisely so that you won't be dump with lots of debts. Be sure to settle your bill when it comes to your mailbox. Do not apply if you think you can not handle it until you fell that you can.

The Secrets of a Positive Attitude


Greetings self help reader,


Are you constantly bombarded by thoughts of negativity? Plagued by feelings of insecurity? Do you see everything in a negative manner? The reason for this lies deep within your heart. You are what you mentally and spiritually eat. If a person drinks alchohol on a daily basis, odds are their body will be affected in some way. They may have liver issues, develop cancer or incur some other type of health problem directly related to the amount of alcohol they have consumed. In the same way, a person who constantly feeds themselves negative thoughts will simply turn into a negative person. 


This is the time to go on a diet. A diet of positive attitude food. You have to literally stop feeding your mind negative things. Ask yourself is this thought negative or positive or negative? What do negative thoughts look like? Well, they start with can't rather than can, no as opposed to yes, will and not won't. The Bible which is the greatest self help book ever written, speaks about taking every thought captive. The problem in our society has become that our thoughts have taken us captive. We have begun to let our thoughts control us.
                                                                         
A great way to know what we are negative about is to ask those people who are closest to us. You can ask your spouse or another person in your life who really knows you how they would rate your attitude on a scale of 1 to 10. 10 being super positive and 1 super negative. Ask this person to be totally honest with you. You will benefit from their honesty even if it causes you pain. Ask this person what it is that you specifically say that they perceive as negative. Write down what they say and look at the actual words. Now is the time to be honest with yourself. Those words are a reflection of what is inside you. They are who you are. The great thing is that you can change. It is as simple as making a choice to do so. You must decide to replace the thoughts of negativity with thoughts of positivity. Decide what words you will change the negative words on your paper to. Once you have done this, make an effort to insert these new positive thoughts in your mind. You will begin to notice a positive change taking place in your life. Your family, friends and co-workers will all notice it as well. They may not know what is different about you. But they will know that you are not the same person that you were.


The items which are causing negativity in your life could very well be the news, movies, constantly replaying tragedy in your mind and the list could go on. These things should be eliminated if you want your new mental health regimen to be a success. The news is very negative and does not help someone who is trying to rid their mind of such thoughts. When you are feeding yourself thoughts of death from a war or gunshot or car accident visually the outcome will be negative. I do believe there is a time to grieve over the death of a loved one. However, if a person constantly replays this negative event in their minds it can lead to depression. The person who has passed away is not coming back and we must close that chapter in our lives and move on to the next chapter. This is a difficult task which can only be done by making a decision to proceed with our own life, no matter how hard this may be. 


You can do it. You can and will have a positive attitude, if you simply take the steps outlined above. You do not have to be what you were in the past. You can be different in the future. The choice is yours. I know you will make a positive one.

Dealing with Emotional Baggage


We all have them. It has many faces.We carry them around us, We store them in the remotest part of our brain, in the deepest chambers of our hearts.We have them in our extensive database of memories. Some are so close  to the heart, it brings out tears at the slightest provocation. Others may feel anger, very deep resentments and may exhibit anti-social or antagonistic behaviours.


Shadows follow and haunt many, in their dreams or waking hours, in unlikely places, unexpected and intimidating. Uncontrollable anger that can lead to violence can explode without warning. Others will live in denial and spend their lives disconnected with the real world. Some will find blame in everyone except themselves; it’s always the other person’s fault. What  about victims and the victimizers?


Many are lost searching for something, they can not identify. Something is missing. A mass of lonely faces line  the crowded streets, sit in public places, in schools, agonize through the day in the workplace, gather at churches perhaps to seek solace. Everyday.we see a vast sea of sad , depressed and unfriendly faces. Our roads are open avenues to lash out their frustrations, thus uncontollable road rage. Scary.


Emotional excess baggage demands a high price at times. There are those who succumb to the weight of this burden, it gets too much to bear. They find no further reason to keep up the fight. Life loses its  lustre, they find the world cruel, their existence meaningless.To them, the fight over, if there ever was one.


There are many who go through life like a driftwood, let the current take them wherever, it does not matter anymore. Is our world this cruel?


What causes these emotional suffering?    


Broken dreams, broken relationships, failed careers, lost hopes, betrayals, violations, childhood trauma, or other forms of trauma ,add to this health issues. Social disgrace, financial disasters, poverty and addictions cast deep emotional scars to the most vulnerable members of the family and society.


Is our fast-paced society to blame? Add to this the pursuit of material success, endless toys,gadgets and exponential advances in technology. Fragile relationships, weakening  family ties, unreasonable expectations of self and of others add to the already overstuffed emotional baggage.Some carry  them for a long, long time.


All is not lost,if we take a moment to listen to our deeper needs, beyond the physical. There is a flood of information, organizations, professionals and other resources most communities offer. Deep  emotional  suffering is a critical issue that can no longer be ignored, by society and by those who suffer. There is more to life.


Wisdom of the ages from different cultures and beliefs are revived or revised to suit the present psyche of society. It offers a holistic approach , involving the whole person’s mind, body and spirit. The wonders of medical and scientific research are vast,although pill-popping is not always the best answer.


Take stock of the weight of  your emotional baggage.

You Can't Just Please Everyone


People pleasing can be a defeating habit in a person’s life, simply because the act itself  takes your focus off what you CAN control, and puts your focus on to what you CAN’T control, which is somebody else’s happiness and peace of mind. Here is a perfect example to illustrate my point:


If you buy your lover flowers, and they come home to tell you they just received a raise at work – the flowers you give them are just going to add to their joy, and you are going to have a wonderful evening. 


However, if you buy your lover flowers, and they come home to tell you they just got fired from work – they may look at the flowers and give a quick smile just to acknowledge you and quickly go back to sulking – or worse, they may be hateful and yell, “WHAT GOOD ARE FLOWERS GOING TO DO ME NOW?!?!? ARE THEY HIRING FLORISTS?!?!” 


Of course, this is common sense – but it is a perfect example of why people pleasing doesn’t work 100% of the time. You will never be able to predict what kind of mood anyone is going to be in all the time, simply because things will always happen outside of our control. Consequently, your happiness or misery is in the other person’s hands, which puts you into a very vulnerable position. 


I have developed what I call, “The People Pleasing Quadrant” to broaden readers awareness of what people-pleasing is, and what to do once those people-pleasing tendencies rear their ugly heads. Quadrant means “four” which means there are four different situations you will find yourself in that you will need to develop strategies to combat your people-pleasing tendencies. The four situations are as follows: 


Quadrant # 1: Dealing with the people you like or love when those people ALSO like or love you in return: 


This first quadrant is the easiest to manage, because at least you genuinely like or love the person you are dealing with, and they like or love you as well. However, remember the example we used above about the lover losing their job and the flowers? No matter how much you like or love someone, or how much they like or love you, bad things happen sometimes. We all say things we don’t mean. The trick is to not take the people you care about personally, and feel responsible for “fixing” them. Let the person you like and love be hurt, angry, mad, and upset. It doesn’t have to affect your core happiness, although you can sympathize with the person and let them know you will be there for them, if they want to talk. Besides, this person cares about you – and they don’t want to drag you down, just because they are having a bad day. Give them a little space, and let things sort themselves out. Spend your energy focusing on more productive ventures, such as going for a jog to get in shape, studying for an important test, or reading a book that is of interest to you. People-pleasing is really annoying to people who like or love you already. They don’t expect you to make everything better, they just need some time to get over it. 


Quadrant # 2: Dealing with the people you like or love when those people DON’T like or love you in return: 


The second quadrant is oftentimes the most painful quadrant to come to terms with, regardless if it is about a “friend,” family member, or lover. Once in a great while, we can like or even love someone who doesn’t like or love us in return. We do everything in our power to be “good” enough, “supportive” enough, “encouraging” enough, “kind” enough, whatever enough! But somehow, it is never enough, and it never will be. 


Once in awhile, these people we like or love are nice to us out of pity, guilt, regret or remorse – or because we are fulfilling some kind of need for them that they don’t want to give up. Don’t mistake their temporary kindness as genuine concern! Because honestly, these people don’t like or love us at all. It could be for a variety of reasons, but those reasons don’t have anything to do with you. The trick for getting over people-pleasing in this quadrant is to realize what quadrant these people belong in, and come to terms with the fact that they don’t like or love you. On the other hand, realize that there are millions of other people out here who would absolutely adore you. Realize that you are wasting your valuable and precious time with people pleasing, especially in this quadrant, because no matter what you do, it won’t matter. Just move on to someone who will like, love and appreciate the beautiful person you are. 


Quadrant # 3: Dealing with the people you DON’T like or love when those people DO like or love you. 


Most of the people-pleasing in this quadrant comes out of guilt, pity or personal gain. Although I must admit, it is really hard not to like someone who likes you, but you may be able to definitely see that the other person likes or loves you WAY more than you like
or love them. 


I believe my grandmother taught me a very gracious lesson about how to handle situations in quadrant three. One day, a boy who just moved into my neighborhood decided to ask me out on a date. He really had a crush on me, and I could tell. However, I didn’t feel the same way about him. But I did enjoy all of the flowers, candy and attention he gave me. 


At the time, I didn’t see anything wrong with taking whatever he was willing to give. But my grandmother pulled me aside and told me why it wasn’t nice to encourage gestures and lead a person on, especially when I knew his intentions. Of course, I liked him as a person because he was so sweet. But the truth of the matter is, he was wasting his time courting me when I wasn’t interested. Although I could have continued to use him, I went with granny’s advice and politely told him that I could no longer accept gifts because I was not interested in dating anyone at that time. However, we decided to be friends and did fun things together on occasion. He found a new girlfriend who truly adored him to pieces, and fell in love with her. The last I heard, they were planning to get married. The moral of the story is, he was a sweetheart, and deserved to find someone who liked and loved him. It would be selfish of me to stand in the way of that. 


Quadrant # 4: Dealing with the people you DON’T like when they DON’T like you either! 


A person will rarely find themselves in this quadrant when it comes to their personal life, unless it has to do with Ex-Lovers
or step families. Otherwise, you can just get up and walk away, which is why quadrant four is reserved mostly for the work place and figures of authority! 


People-pleasing in this quadrant reflects suppressed feelings, and putting up with a lot of emotional, mental and verbal abuse. It can be because you are afraid of losing your job or 
because you are afraid of the person themselves. In situations like this, it is always best to get a third party involved, because for one reason or another – you are forced to deal with this person, and they are forced to deal with you. Neither one of you are going to be able to compromise about a reasonable solution on your own, because both of you don’t care what is in the other’s best interest! There needs to be a mediator who can look at the situation objectively on neutral ground, and come up with a reasonable solution. Don’t be afraid to be the bigger person and ask for outside help. It is the only way the conflict will be resolved. In matters dealing with the family, it may be best to go to counseling, join a support group, or bring a person from the outside into the situation. Remember, your goal is to conserve energy, and focus on how you can change things, and make them head in a positive direction. Be a part of the solution, not the problem. If everyone else wants to wallow in their misery and problems, you can let them do just that. But you can choose something different. 


In closing, when you eliminate people pleasing in your life for good – it is always great to have the awareness that you only have a one in four shot of really hitting it off with somebody special! (In case you were wondering, that one shot lies within people who are in Quadrant number one!) If you go into each situation expecting the best, but prepared for the worse – you will always come out on top. But most importantly, be yourself! There is no point going through life pretending to think and feel a certain way just to please other people. Besides that, you won’t have the opportunity to attract the people in your life who would really like or love the person you truly are! 


Another tidbit I’d like to share out of granny’s little treasure chest of knowledge, wisdom and experience. She always use to say, “Rhiannon, there are three types of people in this world. There are givers and there are takers. But once in a great while, you will be fortunate enough to find a person who is capable of doing both.” 


I hope this article will encourage you to be a person who can do both.

20 Ways To Make Someone Smile



Do you want to put a smile on someone's face today? Maybe make their day a little better. It won't cost you a single penny or much time to do just that. And because smiling is contagious, it probably won't just be one person you make smile today.


Here are 20 ways to turn that frown upside down.






1.  Send some flowers to your partner at work.
2.  Compliment a friend or work colleague on their appearance.
3.  Donate something to charity.
4.  Take a friend out to lunch.
5.  Let someone know you miss them.
6.  Make a surprise telephone call to your partner at work, just to say hi.
7.  Hold a door open for someone walking behind you.
8.  Hug your partner for no reason.
9.  Leave a joke on a friends answer machine.
10. Send a card to a friend letting them know what a good friend they are.
11. Give up your seat on the train to someone when there aren't any left.
12. Share your umbrella on a rainy day.
13. Ask a friend if they need anything while you're out shopping.
14. When it's raining, plan an indoor picnic with your children.
15. Leave a love letter somewhere where your partner will find it.
16. Send someone an unusual and unexpected gift like chocolate, flowers.
17. Tell your child you're proud of them.
18. Tell someone you thought about them the other day.
19. Cook a surprise meal for your partner one night, especially if they normally do the cooking.
20. Tell your partner you love them.


Did you know it takes only 17 muscles to smile, but 43 to frown. Why waste all that energy frowning when you could just smile. 


Here are 5 more facts about smiling.


1. Women smile more than men.
2. Smiling releases endorphins that make us feel better.
3. We are all born with the ability to smile, it's not something we learn from others.
4. A smile is a universal expression of happiness.
5. A smiling person is thought to be a more pleasant, attractive, sociable, sincere and competent than a non-smiling person.


Just remember, smiling is the easiest and cheapest way of improving your looks.

Quotes


"Far better it is to dare mighty things, to win glorious triumphs even though checkered by failure, than to rank with those poor spirits who neither enjoy nor suffer much because they live in the gray twilight that knows neither victory nor defeat."
***Theodore Roosevelt 


"Nothing in the world is worth having or worth doing unless it means effort, pain, difficulty... I have never in my life envied a human being who led an easy life. I have envied a great many people who led diffcult lives and led them well."
***Theodore Roosevelt


“In any moment of decision, the best thing you can do is the right thing, the next best thing is the wrong thing, and the worst thing you can do is nothing”
***Theodore Roosevelt




“Courage is the discovery that you may not win, and trying when you know you can lose.”
***Tom Krause


“Success means having the courage, the determination, and the will to become the person you believe you were meant to be”
***George Sheehan


“Victory is sweetest when you've known defeat.”
***Malcolm S. Forbes


“To succeed in life, you need two things: ignorance and confidence.”
***Mark Twain


“You have to learn the rules of the game. And then you have to play better than anyone else.”
***Albert Einstein


“Striving for success without hard work is like trying to harvest where you haven't planted”
***David Bly


"There is nothing so useless as doing efficiently that which should not be done at all."
***Peter F. Drucker


"Success is not the key to happiness. Happiness is the key to success. If you love what you are doing, you will be successful."
***Albert Schweitzer


Success


To laugh often and much;
To win the respect of intelligent people and the affection of children;
To earn the appreciation of honest critics and endure the betrayal of false friends;
To appreciate beauty, to find the best in others;
To leave the world a bit better, whether by a healthy child, a garden patch or a redeemed social condition;
To know even one life has breathed easier because you have lived.
This is to have succeeded. 
***Often attributed to Ralph Waldo Emerson


"Love the moment. Flowers grow out of dark moments. Therefore, each moment is vital. It affects the whole. Life is a succession of such moments and to live each, is to succeed"
***Corita Kent


"If a man will advances confidently in the direction of his dreams, and endeavors to live the life he has imagined, he will meet with a success unexpected in common hours"
***Henry David Thoreau


"You cannot dream yourself into a character; you must hammer and forge yourself one."
***James A. Froude


"Greatness is not in where we stand, but in what direction we are moving. We must sail sometimes with the wind and sometimes against it -- but sail we must and not drift, nor lie at anchor."
***Oliver Wendell Holmes


"The young do not know enough to be prudent, and therefore they attempt the impossible -- and achieve it, generation after generation."
***Pearl S Buck


"What I must do is all that concerns me, not what the people think. This rule, equally arduous in actual and intellectual life, may serve for the whole distinction between greatness and meanness. It is the harder, because you will always find those who think they know what is your duty better than you know it. It is easy in the world to live after the world's opinion; it is easy in solitude to live after our own; but the great person is one who in the midst of the crowd keeps with perfect sweetness the independence of solitude"
***Ralp Waldo Emerson


"It is a mistake to suppose that men succeed through success; they much oftener succeed through failures. Precept, study, advice, and example could never have taught them so well as failure has done."
***Samuel Smiles


"It is not the critic who counts, not the man who points out how the strong man stumbled, or where the doer of deeds could have done better. The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood, who strives valiantly, who errs and comes short again and again, who knows the great enthusiasms, the great devotions, and spends himself in a worthy cause, who at best knows achievement and who at the worst if he fails at least fails while daring greatly so that his place shall never be with those cold and timid souls who know neither victory nor defeat."
***Theodore Roosevelt.

Managing The Fear Of Loneliness




Sometime or another we will experience a time when we are alone. Some people fear of being alone for various reasons. The first step is to become comfortable with yourself and having the self-confidence that you will be able to manage being alone. There is nothing wrong with being alone. If being alone bothers you then seeing a counselor can help you with these issues.


In the meantime, here is a short list of techniques that a person can use so that the fear of being alone doesn’t become a major issue in their lives.


The first step is to find an activity that you enjoy and where you can meet a lot of people. For instance, joining a group activity such as a volleyball group, women’s club, or making crafts can be a great way to meet people. Doing something that you like to do will make you happy and will increase your chances of making friends.


Spending time with animals can be a great source of companionship. Whether you have a dog or you go to your local shelter, spending time with an animal or pet can help us to feel better. Animals can be of good company to all of us whether we are alone or not.


Helping others through community service can be of some help. There are many people out there who could benefit from your time and talents. Helping others can give you a source of pride and accomplishment and also can lead to friendships.


It isn’t fun being alone, but sometimes there are worse things. For instance, imagine that you are married or stuck in a relationship that you can’t get out of and also makes you miserable. Not only do you have to live with this person, but there is no way to get out of the relationship because of various financial or personal reasons. As a result, you are stuck living with someone that you can’t stand and makes you depressed every single day of your life. With this viewpoint, being alone doesn’t sound that bad.


For those of you who believe in God, spending time with God and praying to him can help us in our lonely situation. Spending time with God and asking God for help in our time of loneliness can be of great comfort. You never know how God will work in ones life. Ask him for help and trust that he will help you.


As a Layman, the important thing is to do something constructive. Sitting around and doing nothing will not make things any better whether its dealing with the fear of being alone or something else. Take it one day at a time and stay committed in trying to solve your problem.



7 Auto Insurance Tips


1. Raising your deductible
Deductible is the amount you pay from your pocket before making an insurance claim. The disadvantage of raising your claim is when you make a claim, you will pay more. However, if you are a safe driver, you will overtime save more money by raising your insurance deductible. Look at your previous insurance claim history and make a discreet decision for yourself.


2. Older Auto - Drop comprehensive / collision coverage.
If your car is not worth much, why pay for comprehensive and collision insurance coverage. You can visit a myriad of online sites to find true worth of your car. Additionally your insurance broker might be able to pull up the true worth of your vehicle.


3. Taking advantage of low mileage
Some auto insurance companies will give discounts if you drive less than a certain number of miles or drive less than a certain distance to work.


4. Moving - Consider insurance costs.
If you are considering moving, it will be a good idea to call your insurance agent and get his opinion on the insurance costs in the new city or state.


5. Low profile vehicle
Your vehicle will also determine your overall insurance costs. Some of the cars are favorite for thieves since they fetch a good price. Some cars are more expensive to repair. It makes a lot of sense to do adequate amount of research before you make your auto purchase.


6. Make sure your vehicle is correctly listed by your insurance agent.
Many manufacturers offer somewhat similar model names for vehicles but insurance costs may vary. Additionally 2 or 4 door or the wrong model can impact your auto insurance quote.


7. Have your insurance broker check other insurance company discounts.
A lot of companies will offer discounts if you and your spouse are insured with the same insurance company. Additionally, if you seek home insurance, life insurance, auto insurance from the same insurance company, you will get some discounts. Check with your insurance agent on saving money.

Ways To Lower Your Auto Insurance


And the insurance rates you pay are hugely dependent on the insurance company or agent, your age, your car type, your driving record, and even the area you reside in!


You should never go without auto insurance though, despite the costs. Almost all the states require you to protect yourself with a minimum amount of liability coverage. Naturally, the bare minimum is not adequate enough for the average car owner. And as you add in additional coverage for your car, you realize that you will be paying a fairly large sum annually.


So, understanding auto insurance can actually help you to decide on a suitable insurance policy that won't vacuum clean your wallet! Here, we have gathered 10 of the best tips for lowering your auto insurance, by as much as 40%!


Always compare insurance policies. There are states which regulate auto insurance rates, but the insurance premiums can vary by hundreds of dollars for the exact same coverage. It is definitely worthwhile to shop around. The first thing you can do is to check with your state insurance department. They often provide information about the coverage you need, as well as sample rates from the biggest companies. You can also ask your friends or look up the yellow pages. Checking consumer guides and asking insurance agents can pay off as well. You can easily find out the price range for your insurance policy, as well as discover the lowest prices in town.


However, you should not be shopping based on price along. The insurance company should provide good service at the best price. Excellent personal service is available as well, and they provide added conveniences, although they cost a fair bit more. Ask the company how you can lower your costs, and also check their financial ratings. The rule of thumb is always to get three price quotes from three different companies, and pick the one with the best value.


It can also be a good idea to increase your deductibles. When you file a claim, the deductible is the amount you pay before the insurance company pays for the rest of the damage. A higher deductible on collision and comprehensive coverage can lead to a much lower premium. For example, increasing your deductible from $200 to $400 can reduce your premiums by up to 25%. However, you must ensure that you have the financial resources to handle the largest deductible when the time comes.


Remove certain types of coverage from your policy. Almost all the states require liability coverage for your car, but the rest of the coverage is probably dispensable. However, you do not want to be underinsured if you're in an accident, so it isn't advisable to remove all of your additional coverage. Optional coverage includes medical payments, uninsured motorist, collision, and comprehensive coverage.


Drop collision and comprehensive coverage for older cars. If you drive an older car that's worth less than $2,000, it's probably more cost-effective to drop collision and comprehensive coverage since you'll probably pay more for the coverage than you'll collect for a claim. You can find out the worth of your car by asking auto dealers and banks.


Make sure your credit report looks good. Car insurance companies often look at your credit history as there is a correlation between the risk to the company and your credit history. If you pay your bills on time and maintain a good credit history, you can enjoy lower insurance rates.


Drive less. Insurance companies often offer low-mileage discounts to motorists who drive less than a predetermined number of miles each year. You can use public transportation more often, car-pool with friends, and take the train or a plane instead of driving to another state. And you'll save on more than your coverage as you'll need to spend less on gasoline (of which prices are incredibly high).


Maintain a clean driving record. The company will give you a price break and you can save on your insurance policy after a specified period of a clean driving record. This means that you have no accidents, no serious driving violations etc, during this period of time. The simplest and surefire way to qualify for this discount is to drive carefully and defensively all the time.


Choose a low-profile car. Insurance rates vary among difference models of vehicles. Generally, sports cars and high-performance cars tend to cost more to insure, mainly because they represent more risk of theft and the drivers are often the people who drive more recklessly. Newer cars will cost more to repair or replace than older ones, so naturally they can more to insure. Low-risk vehicles include station wagons and sedans.


Ask about safety and security discounts. The insurance companies sometimes offer discounts on your insurance if your car is equipped with the following: anti-lock brakes, air bags, automatic seat belts, car alarms, tracking systems. These reduce the injury risk to you, as well as the chances of your car being vandalized or stolen.


Finally, ask about other discounts. You may receive a discount if you buy more than one type of insurance from the same company or if you insure multiple cars under the same policy or company. You may also receive discounts for taking a defensive driving course, staying with the same company for a few years, being a driver over 50, good-student discounts, and being an AAA member. If you already have adequate health insurance, you can also eliminate paying for duplicate medical coverage, thus lowering your personal injury protection costs by a substantial amount.

5 Tips to Finding the Right Dental Insurance Company


With so many dental insurance plans to choose from it can be a daunting task to determine which plan is best for your needs or the needs of your employees. And to note, these needs are extremely important, as the dental care should never be overlooked. There are five tips that may help you discover which plan is right for you.

1. Consider Online Comparisons - While a trusted broker can provide you with several options to choose from, an online comparison of companies and dental insurance options can provide a means of insuring the greatest flexibility and price. The available plan types are extremely varied and an online comparison can allow you to see what a plan will and will not be able to do.

2. Price Comparison - It may be easy to make a quick decision based on a simple query, however, if you are working with a broker there may be other options they can present that may decrease the overall cost. Again by using an online comparison, you may be able to view all options and all price ranges. This information can provide information that can help you select a plan that fits your budget.

3. Benefit Comparison - There are several questions that you should consider when purchasing a dental insurance plan. Here are a few samples to consider.

* Will I be able to select my own dentist?
* Are there select dates and times that a dentist may restrict visits by individuals that are a part of a particular  plan?
* Do I need insurance with co-pay?

4. Determine Personal Needs and Objectives - No one likes change, but you must ask yourself if certain components in a dental insurance plan are really a need or a want. You should determine what your objective is in obtaining dental insurance. When you understand your motivation and needs you’ll be better able to select a plan.

5. Understanding the Importance of Coverage - Once you understand that a dental insurance plan removes the barrier to oral health and that improved oral health is linked to improved physical health, a dental insurance plan begins to make sense.

Like major medical insurance, dental insurance provides a means of managing the rising cost of dental care. In certain cases premiums for dental insurance is tax deductible.

5 Easy Steps To Lower Your Auto Insurance Quote


It was not too long ago when contracts were made on a handshake and a promise.  Individuals were not particularly concerned with things like insurance because they relied upon the goodwill of their neighbor to compensate them for wrongful damage.  For a variety of reasons, including an increase in the speed and cost of auto wrecks, auto insurance soon became an important purchase for responsible individuals.  Not long after, the federal government mandated that auto insurance be carried, at least minimally, by all car owners. The increase in the need for auto insurance over the last 10 years has led to increases in the complexity of insurance, while at the same time, amplifying the need to be more cost conscious in auto insurance purchases.




Buying auto insurance today requires as much dexterity as buying the automobile itself. It is important to know the factors that an auto insurance company considers when offering quotes. This will allow you, as the consumer, to know what steps you need to take in order to qualify for a lower quote. The five easy steps to a lower insurance quote are: 


1. Portray yourself as a ‘safe’ candidate: Insurance companies are interested in managing risk.  Consequently they offer drivers who are less likely to get into wrecks or at a minimum into wrecks of less severity, a lower insurance quote.


-Maintain a clean driving record, free of traffic violations or accident claims.
-Install anti-theft devices in your vehicle.
-Attend a Drivers Safety Training program.
-Buy a ‘safe’ vehicle. The National Highway Traffic Safety Administration (NHTSA) and The Insurance Institute for Highway Safety together collect information on safety related aspects of different vehicles. Buy an automobile that is officially designated as ‘safe’.
-Park your vehicle in a garage.




2. Show your Credit worthiness: As a risk management entity, insurance companies are also worried about getting paid on time.  If you can show yourself to be credit worthy, there is less risk of you not making your payments on time, thus warranting a lower rate.


-Maintain a good credit score and clear up any errors on your credit.
-Cut down on the total number of outstanding credit cards to 2 or 3.




3. Practice Financial Wisdom: The way in which you structure and pay for your policy can lower the risk that an insurance company faces with respect to you as a customer.  By taking steps to lower their risk, you receive a lower insurance quote and policy.


-Buy an annual policy instead of a six monthly coverage to get you a lower rate that remains the same for a year.
-Opt for automatic payment deductions from your bank account or your credit card to avoid getting charged for mail payments.
-Increase your deductibles on comprehensive and collision policies to reduce on the rates.
-Get loyalty discounts by buying your home and auto insurance from the same company. 




4. Assess your Insurance Needs accurately: This is obvious, the more coverage you get the more it will cost you.  Add-ons are killers in the insurance business, strip your policy down to just the minimum of what you need.


-If your vehicle is not used much or you have an old car with little market value, opt for minimum liability alone. It will cost you less. 
-After fulfilling the legal mandate on auto insurance, insure according to your needs alone.




5. Other wise things that you can do: There are a number of other considerations that go into your insurance quote.  Some of them are not reasonable steps to take, while others you can do with little effort which can translate into substantial savings.


-If your car is used only for a particular purpose, make your agent aware of it, as this will limit the cost.
-Students that make good grades are often eligible for a discount.
-Give up smoking; it can help you get better quotes.
-Change your occupation if you can help. A delivery boy carries a higher risk than a storekeeper.

6 Ways To Overcome Shyness And Gain Confidence


Are you shy? Do you have difficulty coping with people or situations? Then I have good news for you. You do not have to suffer from shyness and you should not feel insecure and fear that you are being judged with every step you take. 


Winning the war with shyness takes practice, but is definitely well worth the effort as the result is increasing confidence and self esteem. Wake up feeling good about yourself, able to face the world with confidence and security and the knowing that no feeling of shyness can come in your way of achieving your desires.






There are hundreds of books written on the subject of how beat shyness and gain confidence, but there are a few techniques that anyone can practice. Here are 6 suggestions of techniques on how to overcome your shyness:


1. Every morning, as soon as you get up, get in front of a mirror and say out loud "I feel terrific! I feel terrific! I feel terrific!" Repeat this affirmation with enthusiasm at least ten times everyday until it's ingrained into your subconscious mind. If feel a little self conscious to begin with lock yourself in the bathroom. The results will amaze you.


2. Feel good about yourself. Look your best. Dress up more often. This gives you an extra feeling of confidence and self esteem. On its own just knowing that you look good will boost your confidence and reinforce with others that there are things about you that are worth getting to know. 


3. Take a risk at least once a day. It's very invigorating and conquering fears by taking risks helps you grow in confidence and self esteem. Start with small risks and fears and as you overcome them move onto bigger things. There's nothing you cannot do. Be confident in knowing that change can only help you grow, and boost your self confidence.


4. When you are engaged in a one to one conversation, or with a larger group of people, let them know that you're shy. This prevents them from misreading you and they are far more likely to invite you into the conversation rather than leave you just listening and wishing you could contribute. 


Many people, me included, find following a conversation in a noisy room difficult. If you are having difficulty say so and move so that you can hear. People respect honesty, and vulnerability and you will attract more honest people into your life as a result.


5. Rejection is a fact of life that everyone experiences. It is rarely you that is being rejected. If you are rejected, for example if you ask someone for a date, remember that everyone has different likes and dislikes. You may be attracted to one type of person and not others. The same applies to other people and you are probably just not their type. That does not devalue you in any way. Accept this and know that you will get over it. Never take it personally and keep in mind that if people reject you it is because of their own likes and dislikes and not because of who you are. You are equally entitled to reject others because of your likes and dislikes.


6. Engage in an activities that make you feel excited and good about yourself or start a hobby that gives you a feeling of relaxation. This could be anything from gardening to Tai Chi to Karate. Take some lessons, learn or master a musical instrument or take singing lessons. Do something that excites you and take a risk. Exploring things that make you feel excited is a great antidote for shyness.


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5 Simple Ways To Lower Your Monthly Bills – And Save Lots Of Money


Here you're going to learn several ways to save money every month by lowering your monthly bills. There are lots of ways to save money, no matter how much of it you have - or don't have!  Having struggled for many years paying my own bills, I learned many ways to save money. From simple things like food, gas, and clothing, to bigger expenses, like insurance and your mortgage. 


All you need to know is where to look to find the savings.  Several Ways To Save Money






The first thing you need to do is eliminate ALL of your unnecessary expenses:


• eating out on the weekends 
• buying lunch at work every day 
• magazine and newspaper subscriptions (especially those you can get online and at the local library) 
• cable TV (you'd be amazed at how many other ways you'll find to spend your time once you get rid of cable TV) 
• groceries (you can save lots of money with coupons and specials.) 


It's OK to reward yourself once in a while, but if you are really looking to get out of debt faster, you owe it to yourself to save every single penny you can! 


To find other ways to reduce your expenses, take a close look at your checkbook and credit card statements. You should also call your credit card companies to see if they will lower your interest rates, even if it is only for a short time.  You'll be amazed at how many ways you can save money, especially once you start looking carefully at how you spend your money every month. 


Shop Around For The Lowest Prices


For those expenses you can't eliminate, it's time to start shopping around for the best prices.  Once I realized you can shop around for just about ANYTHING you spend money on every month, I learned how to save myself SEVERAL HUNDRED DOLLARS each and every month!  In fact, by shopping around I ended up saving myself more than $750 a year on car insurance alone! 


The same is true of many of your monthly expenses - like long distance telephone service, internet service, all types of insurance, mortgages, and in some places even your utility bills.  It DOESN'T take any special skills. All it takes is a few clicks and you can save yourself a bunch of money in no time at all! 


So, if you’d like to save yourself lots of money every month - and who doesn’t - start shopping around and looking for ways to lower your monthly bills right away!