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    Secrets of Resume Writing
    If there is one skill you need, then resume writing is probably the first and most effective skill that you will have to develop for your job search. Your resume is what sells you as a business proposition to your prospective employers. It is the document that goes along the hallways and rooms of Human Resources managers advertising the fact that you are the right person for the job. It introduces you, sells you and prepares them for what to expect from you at the organization. Naturally it deserves to go to all these people with the right preparation, content and presentation. From the stationery to the font to the envelope, your resume sells everything about you in minute detail. As they say, God is in the details and this is something that prospective employers look for. The details.Simply put, your resume outlines your skill set and your experience to the employer. Once he has finished scanning through your resume your employer would have formed a fair idea of how you can be of use to the organization and what kind of a person you are. The ideal resume should therefore be able to highlight the exact strengths that you have for the job and make you one of the strong contenders for the job. In short it should get you past the first hurdle and get you an interview call.How do you do that? I
    a little perspective!

    A profound moment in my life has changed me forever. This situation happened when I was on my way to a corporate training session. I approach the security area of the airport as I have done a thousand times prior to this moment. This time however I noticed the man in front of me. He stood about five feet ten inches and looked to be in his late fifties or early sixties. He wore a look on this face I have never seen at the airport and it was curious. Without making any assumptions I could tell that his energy was low. It was not until moments later that I realized the reason. As he stood staring blankly at his personal effects slowly making their way through the conveyer belt he simply let out a sigh as the agent asked him to step over to the “secondary screening area.”

    I caught a glimpse of his items as they were being picked up and it was a strange sight. In one clear bag was a watch, some rings and papers. In the other larger bag was a strange looking powdery substance. Its light gray appearance may have been the reason for caution from the agent. As the man and agent began to make their way over the agent then asked him about the contents of the larger bag of mysterious powder. Without a pause, without a breath, he simply stated, “These are my wife’s remains.”

    My heart sank in my chest. It was then I looked in more detail at the smaller bag of personal items. In it were specifically an engagement ring, wedding ring, and papers with a name on them. One bag bore the name of a local hospital and the other was blank. My emotions overwhelmed me and it was all I could do to contain them. My choice in that moment was to simply walk away, but I had so many questions. How long were you married? Do you have children? What w

    Tips On How To Save When Buying Car Insurance
    If you want to save money when you purchase your car insurance here are a few ways that can help you as you search for auto insurance.First thing you can do is comparison shop. It cannot hurt to call around to see what other prices are out there. If the price is higher you know you are where you need to be and if you find a lower rate you always have the option to change. You can use information from Florida Department of Financial Services, or a similar department within your state, to help you decide. This Florida department can show you what types of coverage are out there and give you sample rates. You can do this for other states by using the National Association of Insurance commissioners web site. Armed with this information you can get quotes from a number of companies and find the best one for you.Increasing deductibles is another way to lower your premium. A deductible is the portion of money you pay before the insurance company pays for damages or injuries. The higher your deductible is the less exposure the insurance company has, thus your premium will be lower. If you choose the highest deductible you can afford you may save hundreds of dollars over the term of your policy.Dropping comprehensive and collision coverage on older cars is another way you can to save money on
    Free your road-raging, passive-aggressive, always-assuming ego by learning to change your perception of stressful moments. The USE IT mentality will transform the way you view and handle frustration, communication and relationships—in the real world. And you don’t have to change a thing—except your thought process. USE IT’s simple mental building blocks will help you laugh a lot more and lose it a lot less.

    USE IT!

    “The mentality to work and live stress free!” You are about to learn the number one secret to becoming stress free. Imagine a moment in the past day or week where you have felt stressed. Where did this stress come from? Was it your fault or the situation? Have you ever said or thought this about someone or some stressful situation?

    “You are making me mad!” Or “This is making me mad!”

    Before I go to far into the details of the USE IT mentality let’s take a step back and analyze the above comments. If you have ever said or felt either of those statements and you feel that someone else or something else is creating your anger then USE IT is definitely for you. So let’s break down the truth of just one of these statements.

    “You are making me mad!”

    “You” – This means that I have no responsibility here whatsoever. I am completely a victim of you and your thoughts, words and deeds. So as I bounce through life hopefully you will understand my needs and give me what ever I seek. Otherwise I will blame you for all of my apparent suffering. When the people in your life are not living according to some sort of fantasized expectation you have set, you begin to play the role of the victim.

    “making” – In other words now you are literally and magically bending my thoughts to create anger within me. That is a real Jedi mind trick isn’t? No one can make you feel anything. The power to be affected or not is totally and completely within you. Period.

    “me mad” – When I wrote this down I completely laughed out loud. This sounds like my three year old when he is not allowed the third snack of the day due to an overdose of sugar. If this is something you say then you should follow it up with a tantrum and lots of whining, which you most likely do. The funny thing about this statement is that it is actually true. You are mad. Crazy in fact is a better word. You have been allowing someone else to dictate your emotions long enough. It is time for you to become in control of how you feel. It is also time for you to stop being mad and discover a way to be proactive.

    What would happen if we spun the original thought of “You are making me mad!” completely around by changing one word in order to bring truth to the statement? Instead of you, let’s make it Me.

    “Me are making me mad!” Perfect. Now go get your snack, class dismissed. Now that is the truth.

    The first part of changing your life for the better it to take ownership over your decision albeit and unconscious decision, to feel stressful thoughts. No person on the planet can make you feel angry, stressful agitated or bothered. Your commitment to these made up items is what creates the agony.

    Could you stick to a diet that only addressed what you ate, not why you ate it? Probably not. That’s because we all know that for real change to happen, we need to go deeper. Our mind is our most powerful tool, and when we train it to think in a positive, productive way, we’ve just opened the door to healthier, happier and more intentional way of living.

    USE IT is designed to retrain your mind to think differently. To help you pause during a stressful situation and recall five factors that lead to negative reactions. To wake up and realize that you’re not always the victim or the center of the universe or the most important element in a given situation. The theory behind USE IT is to embrace everything—and USE IT to create positive, powerful awareness.

    Unlike other stress-relief systems, USE IT works in the real world—on the phone, in the car, at the grocery store. It was developed to work for everybody—in everyday life.

    So what is USE IT for you?

    “USE IT” is the mentality to use your own thoughts and actions in every situation, including negative ones, to relieve stress rather than cause stress. To make your life better by viewing every situation in a different manner. The operative word there is YOU. You are in control. You get to make your life better in this way. These five steps will cause you to “USE IT” is every situation throughout your life

    U - Understand the big picture in life and work.

    In a potentially stressful situation, ask yourself one simple question: What matters most here? Understand the big picture- In this moment what is the most important to us all?

    S - Say, “My attitude dictates my experience.”

    You actually create your world of stressful thought. In the next stressful situation you encounter, ask, “What is my attitude here?”

    E – Evict your ego.

    You don’t always need to be right—or prove you’re right. Let go of that I-told-you-so mentality. It will fee strange at first, but trying to be right is what has been causing millions of people like you to engage in senseless drama. You do not need drama to prove you are alive.

    I - Ignore your assumptions.

    Do you always feel like the victim? Perhaps you’re believing things that are not really true. For now, just ask this question when you face one of your own assumptions: “Do I really know this is true?” If the answer is “No not really” then go and ask the right questions to stop the assumption.

    T - Take nothing personally.

    Someone else’s script is not for your movie. Wake up—it’s not always about you! Nothing another person says or does in personal. Every person is running a separate experience in this life, yet each of us believes that everyone should fall in line with our experience. If you spend a great deal of time trying to change others to fit your perfect idea then you are going to be disappointed. So how do you stop taking it personally? Say this, “Not everything is about me.” Now the next time you are feeling angry by another person's actions simply say to yourself. “Hold on, this is not about me at all.” This is the path to not taking it personally.

    A study by experts at the Centers for Disease Control and the National Institute for Occupational Safety and Health has found that $300 billion, or $7,500 per employee, is spent annually in the U.S. on stress-related compensation claims, reduced productivity, absenteeism, health insurance costs, direct medical expenses and employee turnover.

    How much money—and energy—are you wasting on stress-related issues? Can you afford to miss an opportunity to bring something to your employees or to your own life that can transform it simply by paying attention? Next time you think about your bottom line, your ROI, your job security, remember USE IT is designed to reach the core and to help businesses—and people!—at a foundational level. Take this simple learning and teach it to others.

    I will leave you with a little perspective!

    A profound moment in my life has changed me forever. This situation happened when I was on my way to a corporate training session. I approach the security area of the airport as I have done a thousand times prior to this moment. This time however I noticed the man in front of me. He stood about five feet ten inches and looked to be in his late fifties or early sixties. He wore a look on this face I have never seen at the airport and it was curious. Without making any assumptions I could tell that his energy was low. It was not until moments later that I realized the reason. As he stood staring blankly at his personal effects slowly making their way through the conveyer belt he simply let out a sigh as the agent asked him to step over to the “secondary screening area.”

    I caught a glimpse of his items as they were being picked up and it was a strange sight. In one clear bag was a watch, some rings and papers. In the other larger bag was a strange looking powdery substance. Its light gray appearance may have been the reason for caution from the agent. As the man and agent began to make their way over the agent then asked him about the contents of the larger bag of mysterious powder. Without a pause, without a breath, he simply stated, “These are my wife’s remains.”

    My heart sank in my chest. It was then I looked in more detail at the smaller bag of personal items. In it were specifically an engagement ring, wedding ring, and papers with a name on them. One bag bore the name of a local hospital and the other was blank. My emotions overwhelmed me and it was all I could do to contain them. My choice in that moment was to simply walk away, but I had so many questions. How long were you married? Do you have children? What wa

    Five Christmas Survival Tips For The Divorced & Single Parent
    For the over 50% of marriages that end in divorce, Christmas can be a hugely trying time.Since the season is one of the most stressful times of the year anyway, this onslaught of raw emotion to the divorcee can be overwhelming. This is reflected in the Christmas surge of suicide rates.The feelings are that much more intense if there are kids involved.I know for myself, nothing could have prepared for me for the crushing sadness I felt during my first post-divorce Christmas.As a father of two young girls, it was like I was emotionally disconnected from everyone. The joy of the season was something I just switched on, for brief periods, when my little girls were at my house leading up the holidays. When they would leave until their next visit, the joyful glow of the Christmas lights and Christmas tree seemed to turn cruel and I would turn it all off.It seemed I had an inverse reaction to the level of season joy around me: the higher it was, the worse I felt.Going to the shopping malls, alone, just intensified the feelings of disconnect, as I watched parades of children that weren’t mine, going through the usual excited frenzy.I remember sitting on my couch, alone in the dark, watching movies on Christmas Eve, counting down the hours until the girls arrived on
    trick isn’t? No one can make you feel anything. The power to be affected or not is totally and completely within you. Period.

    “me mad” – When I wrote this down I completely laughed out loud. This sounds like my three year old when he is not allowed the third snack of the day due to an overdose of sugar. If this is something you say then you should follow it up with a tantrum and lots of whining, which you most likely do. The funny thing about this statement is that it is actually true. You are mad. Crazy in fact is a better word. You have been allowing someone else to dictate your emotions long enough. It is time for you to become in control of how you feel. It is also time for you to stop being mad and discover a way to be proactive.

    What would happen if we spun the original thought of “You are making me mad!” completely around by changing one word in order to bring truth to the statement? Instead of you, let’s make it Me.

    “Me are making me mad!” Perfect. Now go get your snack, class dismissed. Now that is the truth.

    The first part of changing your life for the better it to take ownership over your decision albeit and unconscious decision, to feel stressful thoughts. No person on the planet can make you feel angry, stressful agitated or bothered. Your commitment to these made up items is what creates the agony.

    Could you stick to a diet that only addressed what you ate, not why you ate it? Probably not. That’s because we all know that for real change to happen, we need to go deeper. Our mind is our most powerful tool, and when we train it to think in a positive, productive way, we’ve just opened the door to healthier, happier and more intentional way of living.

    USE IT is designed to retrain your mind to think differently. To help you pause during a stressful situation and recall five factors that lead to negative reactions. To wake up and realize that you’re not always the victim or the center of the universe or the most important element in a given situation. The theory behind USE IT is to embrace everything—and USE IT to create positive, powerful awareness.

    Unlike other stress-relief systems, USE IT works in the real world—on the phone, in the car, at the grocery store. It was developed to work for everybody—in everyday life.

    So what is USE IT for you?

    “USE IT” is the mentality to use your own thoughts and actions in every situation, including negative ones, to relieve stress rather than cause stress. To make your life better by viewing every situation in a different manner. The operative word there is YOU. You are in control. You get to make your life better in this way. These five steps will cause you to “USE IT” is every situation throughout your life

    U - Understand the big picture in life and work.

    In a potentially stressful situation, ask yourself one simple question: What matters most here? Understand the big picture- In this moment what is the most important to us all?

    S - Say, “My attitude dictates my experience.”

    You actually create your world of stressful thought. In the next stressful situation you encounter, ask, “What is my attitude here?”

    E – Evict your ego.

    You don’t always need to be right—or prove you’re right. Let go of that I-told-you-so mentality. It will fee strange at first, but trying to be right is what has been causing millions of people like you to engage in senseless drama. You do not need drama to prove you are alive.

    I - Ignore your assumptions.

    Do you always feel like the victim? Perhaps you’re believing things that are not really true. For now, just ask this question when you face one of your own assumptions: “Do I really know this is true?” If the answer is “No not really” then go and ask the right questions to stop the assumption.

    T - Take nothing personally.

    Someone else’s script is not for your movie. Wake up—it’s not always about you! Nothing another person says or does in personal. Every person is running a separate experience in this life, yet each of us believes that everyone should fall in line with our experience. If you spend a great deal of time trying to change others to fit your perfect idea then you are going to be disappointed. So how do you stop taking it personally? Say this, “Not everything is about me.” Now the next time you are feeling angry by another person's actions simply say to yourself. “Hold on, this is not about me at all.” This is the path to not taking it personally.

    A study by experts at the Centers for Disease Control and the National Institute for Occupational Safety and Health has found that $300 billion, or $7,500 per employee, is spent annually in the U.S. on stress-related compensation claims, reduced productivity, absenteeism, health insurance costs, direct medical expenses and employee turnover.

    How much money—and energy—are you wasting on stress-related issues? Can you afford to miss an opportunity to bring something to your employees or to your own life that can transform it simply by paying attention? Next time you think about your bottom line, your ROI, your job security, remember USE IT is designed to reach the core and to help businesses—and people!—at a foundational level. Take this simple learning and teach it to others.

    I will leave you with a little perspective!

    A profound moment in my life has changed me forever. This situation happened when I was on my way to a corporate training session. I approach the security area of the airport as I have done a thousand times prior to this moment. This time however I noticed the man in front of me. He stood about five feet ten inches and looked to be in his late fifties or early sixties. He wore a look on this face I have never seen at the airport and it was curious. Without making any assumptions I could tell that his energy was low. It was not until moments later that I realized the reason. As he stood staring blankly at his personal effects slowly making their way through the conveyer belt he simply let out a sigh as the agent asked him to step over to the “secondary screening area.”

    I caught a glimpse of his items as they were being picked up and it was a strange sight. In one clear bag was a watch, some rings and papers. In the other larger bag was a strange looking powdery substance. Its light gray appearance may have been the reason for caution from the agent. As the man and agent began to make their way over the agent then asked him about the contents of the larger bag of mysterious powder. Without a pause, without a breath, he simply stated, “These are my wife’s remains.”

    My heart sank in my chest. It was then I looked in more detail at the smaller bag of personal items. In it were specifically an engagement ring, wedding ring, and papers with a name on them. One bag bore the name of a local hospital and the other was blank. My emotions overwhelmed me and it was all I could do to contain them. My choice in that moment was to simply walk away, but I had so many questions. How long were you married? Do you have children? What w

    Should I Join a Landlord Association? - UK Landlords
    Investors who have recently become landlords as well as those that have been doing it for some time will eventually come across one of the ‘trade’ associations that claim to represent their interests.The 3 main landlord bodies that exist in the UK are:RLA (Residential Landlords Association) NFRL (National Federation of Residential Landlords) NLA (National Landlords Association)What do they do? Each organisation offers a range of benefits for their members, these include:* discounts on products such as insurance* produce a magazine containing articles giving tips and advice* some provide free forms & tenancy agreements* campaign and lobby on behalf of landlords with the aim that any legislation is ‘landlord friendly’* some offer training and courses so that landlords are up to date with the latest legislation, practice and proceduresSounds great where do I sign? All the above sounds great however the downside to membership is that it is not free. Basic annual membership costs between ?75 – 90. In the case of the NLA one of the added attractions is that landlords have access to a telephone advice line. Landlords should not forget that whilst these organisations portray the image of being an organisation
    elp you pause during a stressful situation and recall five factors that lead to negative reactions. To wake up and realize that you’re not always the victim or the center of the universe or the most important element in a given situation. The theory behind USE IT is to embrace everything—and USE IT to create positive, powerful awareness.

    Unlike other stress-relief systems, USE IT works in the real world—on the phone, in the car, at the grocery store. It was developed to work for everybody—in everyday life.

    So what is USE IT for you?

    “USE IT” is the mentality to use your own thoughts and actions in every situation, including negative ones, to relieve stress rather than cause stress. To make your life better by viewing every situation in a different manner. The operative word there is YOU. You are in control. You get to make your life better in this way. These five steps will cause you to “USE IT” is every situation throughout your life

    U - Understand the big picture in life and work.

    In a potentially stressful situation, ask yourself one simple question: What matters most here? Understand the big picture- In this moment what is the most important to us all?

    S - Say, “My attitude dictates my experience.”

    You actually create your world of stressful thought. In the next stressful situation you encounter, ask, “What is my attitude here?”

    E – Evict your ego.

    You don’t always need to be right—or prove you’re right. Let go of that I-told-you-so mentality. It will fee strange at first, but trying to be right is what has been causing millions of people like you to engage in senseless drama. You do not need drama to prove you are alive.

    I - Ignore your assumptions.

    Do you always feel like the victim? Perhaps you’re believing things that are not really true. For now, just ask this question when you face one of your own assumptions: “Do I really know this is true?” If the answer is “No not really” then go and ask the right questions to stop the assumption.

    T - Take nothing personally.

    Someone else’s script is not for your movie. Wake up—it’s not always about you! Nothing another person says or does in personal. Every person is running a separate experience in this life, yet each of us believes that everyone should fall in line with our experience. If you spend a great deal of time trying to change others to fit your perfect idea then you are going to be disappointed. So how do you stop taking it personally? Say this, “Not everything is about me.” Now the next time you are feeling angry by another person's actions simply say to yourself. “Hold on, this is not about me at all.” This is the path to not taking it personally.

    A study by experts at the Centers for Disease Control and the National Institute for Occupational Safety and Health has found that $300 billion, or $7,500 per employee, is spent annually in the U.S. on stress-related compensation claims, reduced productivity, absenteeism, health insurance costs, direct medical expenses and employee turnover.

    How much money—and energy—are you wasting on stress-related issues? Can you afford to miss an opportunity to bring something to your employees or to your own life that can transform it simply by paying attention? Next time you think about your bottom line, your ROI, your job security, remember USE IT is designed to reach the core and to help businesses—and people!—at a foundational level. Take this simple learning and teach it to others.

    I will leave you with a little perspective!

    A profound moment in my life has changed me forever. This situation happened when I was on my way to a corporate training session. I approach the security area of the airport as I have done a thousand times prior to this moment. This time however I noticed the man in front of me. He stood about five feet ten inches and looked to be in his late fifties or early sixties. He wore a look on this face I have never seen at the airport and it was curious. Without making any assumptions I could tell that his energy was low. It was not until moments later that I realized the reason. As he stood staring blankly at his personal effects slowly making their way through the conveyer belt he simply let out a sigh as the agent asked him to step over to the “secondary screening area.”

    I caught a glimpse of his items as they were being picked up and it was a strange sight. In one clear bag was a watch, some rings and papers. In the other larger bag was a strange looking powdery substance. Its light gray appearance may have been the reason for caution from the agent. As the man and agent began to make their way over the agent then asked him about the contents of the larger bag of mysterious powder. Without a pause, without a breath, he simply stated, “These are my wife’s remains.”

    My heart sank in my chest. It was then I looked in more detail at the smaller bag of personal items. In it were specifically an engagement ring, wedding ring, and papers with a name on them. One bag bore the name of a local hospital and the other was blank. My emotions overwhelmed me and it was all I could do to contain them. My choice in that moment was to simply walk away, but I had so many questions. How long were you married? Do you have children? What w

    Is There Something Missing In Your Life?
    As you begin to realize who you truly are right now you will begin to see just how much in love with your self you are.You really do love yourself. It is primal.The only thing missing is your realization of just who you are. You have misidentified and mistaken who you are with who you think you are.You suffer that mistake big time. If the "spark" of desiring to come home to the heart has been lit inside of you - and for most folk this is not the case, even though everyone has this primal desire within them - then slowly slowly this "spark" will turn into a raging fire that will consume who you think you are.As a seeker you think you are going to "attain" something. Instead you are going to lose all sense of who you think you are. The fire of the desire to come home to the heart will burn you up.Who you think you are is going to die - because it is only a transient unreality, a falsehood. Currently you believe the unreal to be real and the real to be unreal. This is the nature of the illusion, it turns everything around 180 degrees. The appearance is not as it seems.Your attachment to this world of your imagination - yes, it is entirely created by your own imagination, day by day - will unravel as you realize just who you are.Every time that you dream - when
    ke the victim? Perhaps you’re believing things that are not really true. For now, just ask this question when you face one of your own assumptions: “Do I really know this is true?” If the answer is “No not really” then go and ask the right questions to stop the assumption.

    T - Take nothing personally.

    Someone else’s script is not for your movie. Wake up—it’s not always about you! Nothing another person says or does in personal. Every person is running a separate experience in this life, yet each of us believes that everyone should fall in line with our experience. If you spend a great deal of time trying to change others to fit your perfect idea then you are going to be disappointed. So how do you stop taking it personally? Say this, “Not everything is about me.” Now the next time you are feeling angry by another person's actions simply say to yourself. “Hold on, this is not about me at all.” This is the path to not taking it personally.

    A study by experts at the Centers for Disease Control and the National Institute for Occupational Safety and Health has found that $300 billion, or $7,500 per employee, is spent annually in the U.S. on stress-related compensation claims, reduced productivity, absenteeism, health insurance costs, direct medical expenses and employee turnover.

    How much money—and energy—are you wasting on stress-related issues? Can you afford to miss an opportunity to bring something to your employees or to your own life that can transform it simply by paying attention? Next time you think about your bottom line, your ROI, your job security, remember USE IT is designed to reach the core and to help businesses—and people!—at a foundational level. Take this simple learning and teach it to others.

    I will leave you with a little perspective!

    A profound moment in my life has changed me forever. This situation happened when I was on my way to a corporate training session. I approach the security area of the airport as I have done a thousand times prior to this moment. This time however I noticed the man in front of me. He stood about five feet ten inches and looked to be in his late fifties or early sixties. He wore a look on this face I have never seen at the airport and it was curious. Without making any assumptions I could tell that his energy was low. It was not until moments later that I realized the reason. As he stood staring blankly at his personal effects slowly making their way through the conveyer belt he simply let out a sigh as the agent asked him to step over to the “secondary screening area.”

    I caught a glimpse of his items as they were being picked up and it was a strange sight. In one clear bag was a watch, some rings and papers. In the other larger bag was a strange looking powdery substance. Its light gray appearance may have been the reason for caution from the agent. As the man and agent began to make their way over the agent then asked him about the contents of the larger bag of mysterious powder. Without a pause, without a breath, he simply stated, “These are my wife’s remains.”

    My heart sank in my chest. It was then I looked in more detail at the smaller bag of personal items. In it were specifically an engagement ring, wedding ring, and papers with a name on them. One bag bore the name of a local hospital and the other was blank. My emotions overwhelmed me and it was all I could do to contain them. My choice in that moment was to simply walk away, but I had so many questions. How long were you married? Do you have children? What w

    Home Mortgage Rates
    Home mortgages are loans that are taken to buy a property, for which the property itself is used as collateral. Owning a home is a very big, and usually a one-time investment for many. With increasing real estate prices and decreasing interest rates on loans, many people are using the home mortgage loans to buy property.Home mortgage rates are the rates of interest that are to be paid along with the capital for taking the mortgage loan. Home mortgage rates do not remain steady over a long period of time. A lower rate means lower monthly payments, leading to lower costs on the property. Depending on the kind of interest rate, there are two kinds of home mortgage loans: Fixed Rate Mortgages (FRMs) and Adjustable Rate Mortgages (ARMs). FRMs are mortgages for which the rate of interest remains the same for the entire period of the loan. These can be for a period of 10, 15, 20 or even 30 years. Adjustable rate mortgages, on the other hand, have fluctuating rates of interest. This is ideal when there is likelihood of the rates to decrease. ARMs are preferred by people who plan for shorter periods. ARMs are offered at lower rates than FRMs to attract customers, but they also contain a certain level of risk. The fixed rate mortgages are a very predictable, safe option.Mortgage rates fluctuate on the
    a little perspective!

    A profound moment in my life has changed me forever. This situation happened when I was on my way to a corporate training session. I approach the security area of the airport as I have done a thousand times prior to this moment. This time however I noticed the man in front of me. He stood about five feet ten inches and looked to be in his late fifties or early sixties. He wore a look on this face I have never seen at the airport and it was curious. Without making any assumptions I could tell that his energy was low. It was not until moments later that I realized the reason. As he stood staring blankly at his personal effects slowly making their way through the conveyer belt he simply let out a sigh as the agent asked him to step over to the “secondary screening area.”

    I caught a glimpse of his items as they were being picked up and it was a strange sight. In one clear bag was a watch, some rings and papers. In the other larger bag was a strange looking powdery substance. Its light gray appearance may have been the reason for caution from the agent. As the man and agent began to make their way over the agent then asked him about the contents of the larger bag of mysterious powder. Without a pause, without a breath, he simply stated, “These are my wife’s remains.”

    My heart sank in my chest. It was then I looked in more detail at the smaller bag of personal items. In it were specifically an engagement ring, wedding ring, and papers with a name on them. One bag bore the name of a local hospital and the other was blank. My emotions overwhelmed me and it was all I could do to contain them. My choice in that moment was to simply walk away, but I had so many questions. How long were you married? Do you have children? What was she like? What happened to her? Are you ok? All of these questions flowed through my head, but none could come out. I instead decided to leave him in peace, but I was forever impacted.

    I believe can alter your perception of the world around you. I believe this because I did it and I have helped countless others like you do the same thing. When you come to the end of the life you are living what was the totality of that life? What foolish arguments did you have and with whom did you have them? What opportunities did you miss to love someone, to love yourself to be happy at work? Look, it’s your life, but it is going to be better now. You have made a choice to live out your days in fulfillment. When your life is reduced to a box or a bag, will all of the arguments, anger, stressful thought and angst matter? No. Now we USE IT to make your life better. Now we USE IT so that you can make new choices about how you feel and live the rest of your life in harmony with those around you.

    When I feel myself becoming angry with anyone or about to allow my mind to drift into unconscious reactions I think of this story. My attitude then becomes about living this life in full. I will not be in the bag with regret. I will be in the bag with a powerful positive life story behind me. When you are in the bag what will your story be? How will it that story be told by every person you have touched in your life?

    Todd Mitchem Phone: (303) 674-0215 Fax: (302) 336-0103 Email: useit@useitworks.com http://www.useitworks.com

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