Seven Steps to a Vital Videoconference

When it's time for your fifteen minutes of fame will you be ready? With videoconferencing becoming common place in 21st century communication, executives, entrepreneurs, and leaders need to be media savvy. Here's how to put your best face forward:

1. Prepare. It's not enough to show up to speak. Practice with the technology an hour before your presentation and rehearse your message points. Don't wing it.

2. Pause and Listen. Expect time delays. A weak video signal could cause a delay or echo. Allow ample time for your message to reach the other site and wait for a response before you resume making new remarks.

3. Use Small Gestures. Actions are amplified on videoconference. Wild, sweeping movements can result in distorted, fuzzy images.

4. Appoint a Moderator. The moderator facilitates the meeting, introduces guests, and keeps the presentation movoing. The moderator or a designated person operates the technology to free speakers to focus on the message.

5. Dress for TV. Avoid distracting jewelry, shiny clothing, and large, bold patterns. Keep another shirt or blouse in the office for late day videoconferences. Perspiration stains and wrinkles will be noticeable on video. Keep powder handy for shiny noses and bald spots.

6. Create a Connection. Begin with hello. The wave is a standard greeting in videoconferencing. Use the zoom function on the camera to establish eye contact. It's difficult to communicate without viewing facial expressions from the remote site.

7. Minimize Distractions. Keep noise down by restricitng movement in and out of the room. Turn off all beepers and cell phones at the beginning of the meeting. Place a "Do Not Enter" sign on the door and change activities frequently to maintain attention and avoid the boredom factor.

Nothing can replace in-person communication. But if you master the techniques of online communication, videoconferencing is the next best thing to being there.

Copyright Diane DiResta, 2004. All rights reserved.

Diane DiResta is President of DiResta Communications, Inc.,a New York City based consultancy. She is author of Knockout Presentations: How to Deliver Your Message with Power, Punch, and Pizzazz (Chandler House Press) http://www.diresta.com

Honoring the Sacred in Everyday Life

How many of us rush blindly through our days, fall into bed exhausted, and wake up the next morning to do it all over again? For many of us, our lives are composed of millions of meaningless moments, all strung together -- perhaps with a sprinkling of sacred moments mixed in. I'm sure you can think of a few sacred moments in your own life. Maybe your marriage, the birth of your child(ren), or perhaps a heartfelt moment of connection with a good friend. These are the moments when we are consumed with joy and awe. At these moments, we are fully present in the moment. We aren't worrying about tomorrow, or trying to rush through the experience to get to the next. We are in the now, and the now is amazing.

Why do we wait for major events to honor these sacred moments? Why can't every day be sacred? Every moment? Each moment is sacred, if we decide to make it that way. I stated above that our lives are filled with meaningless moments, but those moments are meaningless only because we don't honor them. We are hurrying along, focused on other things, not stopping to notice them at all. They come and go without so much as an acknowledgement from us.

Honoring the sacred means simply choosing to make each moment count. It is a tiny shift in perception that assigns meaning and importance to each moment. It means stopping to notice the beauty and love around us, and within us. It means being fully present in each moment, because only the present moment truly exists. So many of us worry about the future, hold regrets about the past, and completely ignore the present. When we give the now our full attention, even mundane tasks can take on an aura of holiness. Then our lives become millions of meaningful moments. Nothing has changed except our perception, but it makes all the difference.

How do we change our perception to one of sacredness? What does it mean to stay in the present moment? Let's use an example: washing dishes. When most of us wash dishes, we hurry through it, often thinking about the million other things we need to get done that day (or the next day). Our minds are scattered all over the place, focusing on everything but what we are doing. Who can blame us? Washing dishes is not the most exciting experience. However, if we choose to make it a sacred experience, we will want to focus on it. We want to take our time and really pay attention to how the water feels on our hands, how the soap cleanses away the grease and grime, and the sense of satisfaction we get as each dish moves from the dirty pile to the strainer, now clean and shiny.

Maybe that still doesn't sound very thrilling. Let's look at what else is happening. As we give our full attention to washing the dishes, we are not only "doing", we are being. Ah, that is the key. It doesn't matter what we're doing or not doing in each moment of our lives, it matters only that we become aware of our own state of Being. In those moments, we are fully alive and conscious. We are connected to everything, and we are One with everything. We are.

Have you ever embarked on a walking meditation? This can be great practice to help you honor the sacred in your own life. Many of us walk for health or recreation, but we can also walk for spiritual awareness. A walking meditation is a slow, focused walk where you give your full attention to each step you take, the feel of your muscles working, your breathing, and even your surroundings. Especially if you walk someplace in nature, a place with lots of trees and wildlife. The trick is to not let your mind wander, but stay focused on the now. It can take practice, but once you accomplish it, you will return from your walks fully refreshed and revitalized.

Imagine every day of your life holding joy, peace and meaning. Imagine miracles consistently happening all around you. Imagine being filled with awe and gratitude each day, and lying down to sleep each night feeling peaceful and relaxed. You can, if you choose it. All it takes is that tiny shift in perception. Choose to make it so, and it will be so.

Wendy Betterini is a freelance writer and web designer who strives to motivate, uplift, and inspire you to make your dreams a reality. Visit her website, http://www.WingsForTheHeart.com for more positive thoughts to help you on your journey.

A Pause For Thought

You can have your cake and eat it.

What is it that makes the sale of information products so appealing?

Is it the fact that the only storage space required is a minute spot on your computer's hard disc.

Perhaps it is because even when you have sold it, you still have it, ready to sell again as many times as you can.

Can you think of anything else that can be sold and sold again without having to replenish the initial stock.

Something that you can send instantly to anywhere in the world without having to pay postage and packaging expenses.

Something that costs you so little that you can afford to give away as a bonus to your customers for purchasing another of your products.

The main reason that I like information products is that I can offer them to everyone for free. I can insert any number of links to my other products in the expectation that some of them will generate sales.

People like something for nothing. If what you give them is of value to them, (not just a load of re-hashed junk) there is a very good chance that they will check out your links to see what you are offering. It's one of the very best forms of advertising that you can use.

Information products can consist of anything from a single page containing something relevant to that person. A few pages explaining how something works. A short series of lessons on any subject of general interest. Even a full size e-book that can be purchased elseware for real money.

Provided that you have links to some other item that compliments the freebie, you will never lose money by giving things away for free.

You can have your cake and eat it.

Bob....

You are at liberty to reproduce this article in any form, electronically or in print. All that I ask is that you do not edit it without asking me first and that you let me have a courtesy copy of the publication containing the article. It is important that you include the by line at the bottom of the article.

About The Author

Robert J Farey

Bob has been on line for over five years. He loves affiliate programs because all of the technical stuff is done by the owners of the programs. Leaving him free to concentrate on the promotion side of the business. If this article has set you thinking. Please take a look at: http://www.33daystoonlineprofits.com/video/?robertjay

Dont Put Up With Junk PR

In public relations, "junk" is more about attitude and lack of understanding than a measure of quality.

Hopefully, if your public relations mission is yet to be accomplished, you agree that its primary thrust MUST be to take advantage of the fact that people act on their own perception of the facts before them leading to predictable behaviors. Then create, change or reinforce that perception/opinion by reaching, persuading and moving to actions YOU desire, those people whose behaviors most affect your organization.

If you buy that idea, you might also agree that a preoccupation with things like brochures versus press releases versus newsletters could be seen as a "junky" approach to public relations. Particularly when you compare it to a comprehensive plan that targets the kind of stakeholder behavior change that leads directly to achieving your objectives.

And those objectives may include customers who make repeat purchases, prospects converted to customers, beneficial joint ventures and strategic alliances, unions more frequently bargaining in good faith or your suppliers doing everything they can to expand the relationship.

How do you find such a plan? Please keep reading.

First, have you ever sat down and listed every outside audience whose behaviors impact your business in any significant way? Well, list them now, then rank them according to how serious each impact is, and let's work on the external audience at the top of your list.

How frequently do you interact with members of that target audience? Probably not frequently enough to be really aware of how they feel about your organization. You must interact regularly and ask a lot of questions like "What do you think of our business? Have you had experience with our services or our products?" All the while remaining alert to any negativities, especially damaging rumors, inaccuracies, misconceptions and the like.

Best part of this drill is that the data you gather while monitoring target audience perception leads directly to your public relations goal. In other words, the specific perception alteration and, thus, behavior change you want. But to get there, you must alter those perceptions in such a way that misconceptions are cleared up, rumors are neutralized and inaccuracies are fixed.

The question then becomes, how do you position this message so that it can do what it's supposed to do? You select a strategy, of course. You're in luck in that there are just three strategies from which to choose. Create perception/opinion where there really isn't any, change existing perception, or reinforce it. When you choose your strategy, make sure it matches the goal from which it flows.

Here, real work rears its ugly head. You must prepare the message you hope will alter perception, and thus behaviors in your direction. No easy task but it really is "where the rubber meets the road." Imagine writing something that ends up changing somebody's opinion? Now that's satisfaction!

But the message must highlight the truth in a credible manner while addressing the problem that came up when you monitored your target audience perceptions. Your message must make a compelling case for your point of view, and do so persuasively, with clarity, believability and in a compelling way.

Then you must throw that message to receivers in the end-zone. You must take advantage of the long list of communications tactics available to you to carry that message to the eyes and ears of members of your target audience. You can use facility tours, contests and press releases or speeches, media interviews, newspaper guest columns, emails and many, many others to do the job.

Your real challenge is deciding if you are making acceptable progress. Because you will probably balk at spending a lot of money on professional opinion research, you and your colleagues must then go back to your target audience members and ask the same questions all over again.

What you want to see are indications that perceptions are changing, as the corrective elements of your message take effect.

By the way, if things aren't moving along fast enough for you, you can always add more tactics to the effort as well as increasing their frequencies. It's also a good idea to take another look at your message to make certain that it measures up as to factual support, clarity and impact.

Finally, you may be certain you have avoided "junk PR" when your public relations effort targets the kind of stakeholder behavior change that leads directly to achieving your objectives.

Please feel free to publish this article and resource box in your ezine, newsletter, offline publication or website. A copy would be appreciated at bobkelly@TNI.net.

Robert A. Kelly ? 2003.

About The Author

Bob Kelly counsels, writes and speaks about the fundamental premise of public relations. He has been DPR, Pepsi-Cola Co.; AGM-PR, Texaco Inc.; VP-PR, Olin Corp.; VP-PR, Newport News Shipbuilding & Drydock Co.; Director of Communications, U.S. Department of the Interior, and Deputy Assistant Press Secretary, The White House. mailto:bobkelly@TNI.net. Visit: http://www.prcommentary.com.

Thriving As A Family When You Live In The Fast lane

It is extraordinary times that we find ourselves in. Change is now an entrenched way of life. Most of us don't blink when new piece of technology comes out. Just the other day I read about the death of the desktop computer. The big lump of plastic and glass that used to sit on my desk has been replaced by a laptop. Email is quickly making those twentieth communication icons, the telephone and the fax, redundant. The way we live, do business, even shop is undergoing rapid change.

Living successfully is now about keeping up, staying ahead or staying on top of things. It is hard work. Business is constantly asked to grow or reinvent itself so employees are always learning new skills to improve productivity or just to keep up. There is little opportunity to rest or time to stand still and smell the metaphorical flowers.

More and more we live our lives in the fast lane with one eye on the road ahead and the one eye in the rear view mirror sort of glancing at the scenery as we leave it behind.

For many adults life has few margins for error. Whether you have children or not life is about timetables, structure, routines and being organised. You miss an appointment at work or your child becomes sick and your whole day can be thrown out.

The language of the boardroom and the battleground is now common place - words like bottom lines, tactics, strategies are now common when we talk about relationships. Relationships like life are now something to be managed rather than lived.

Whether you have kids or not life is hectic these days. Those with jobs are working harder and longer hours. According to recent Australian Bureau of Statistics figures about 30% of the workforce spend 50 hours or more at work, which is double the figures for 1984.

The number of couples where both work has increased to the point where working couples are the norm rather than the exception as they were in the 1950's and 60's. Working and parenting has unique demands with one or sometimes both partners working a double shift - first at work then at home caring for kids.

Life in the fast lane means we parent and partner differently than our own parents which can be the source of a great deal of guilt. The ghosts from the past are extremely strong.

Despite the fact that many couples today live in the fast lane or even out of step with their own parents they can still have fulfilling relationships with their partners. It takes effort and creativity to nourish your relationship. The following seven ideas may help you and your partner stay together as you live your life in the fats lane.

1. Ritualise times together.

We all know that it is important for couples to spend time together to kindle a little romance or just to stay in touch but finding the time is the challenge. We may have good intentions but never get around to putting those intentions into action. The solution is to have some ritualised meeting opportunities that always happen barring a catastrophe. Meet for a coffee once a fortnight, have a regular weekend without the children or a regular time at the movies, which is just for you. Plan your activities around your meeting time rather than your meeting time around other activities. Oh and don't talk about the kids. It is couple time, not family time.

2. Swap your dreams and aspirations.

You need joint dreams and goals to work toward but you also need your individual dreams and aspirations. But you need to check with your partner every now and then to make sure you are both moving in the same direction. Recently my wife told me of her dream to take some time-off work to travel around Australia with our family. It came as a shock because they were counter to my dreams and aspirations, which largely revolved around work. My wife and I are now working toward a plan that will accommodate both sets of dreams.

3. Give your partner the space to grow and do things as an individual.

We all need self-nourishment if we are to be effective partners and parents. We need to time away to have a break or to pursue a part of life that doesn't belong to our family. My wife goes to gym regularly while I enjoy being a member of a number of voluntary committees. Neither of us know much about what the other does at their activities and to be truthful neither of us cares too much. But we both accommodate each other by minding the children and keeping our diaries free to allow each other the chance to maintain our separate interests.

4. Support each other as parents.

The notion of teamwork is important when raising kids. Parents can support each other in the following ways:

* Recognise that parents and children have different needs at different stages. Mothers have a need to bond with babies and dads tend to be a support act at this stage. Boys have strong need to build strong relationships with their fathers around the age of six and again at the age of thirteen. So mothers may need to stand back a little and make sure that fathers and sons have the chance to spend time together.

* Keep talking to each other about kids and what is happening in their lives. Sometimes it is easy to overlook that they are growing up or perhaps having difficulties. Keep each other informed.

* Share the discipline and caring roles. As many parents tell me it is hard work being the 'bad guy' all the time. Give each other break by taking individual responsibility for different areas or times of the day.

* Understand your own and your partner's family of origin and its impact on parenting. Make an effort to accommodate your partner's parenting style even though it may be different than your own.

5. Have regular down-times to build the Emotional Bank Account that you share with your partner.

Shared enjoyable experiences create those fond memories that strengthen the bonds between people. When couples first go out they spend a great deal of time building their emotional bank account - the memories are special and the emotional bank account bulges. But we also make withdrawals when we are critical, argue or neglect to attend to each other's needs. The bank account can easily go into overdraft unless we spend some time replenishing it. This is what down-times are all about. Taking the time on a regular basis to do little but enjoy each other's company and make some deposits in your joint emotional bank accounts.

6. Keep work and home separate.

We can be at home but our heads can be at work so make sure that you leave your work behind when you come through the door at night. Some couples have a regular clean-out opportunity where they talk about their respective days for ten minutes or so then they leave it behind.

7. Work out household tasks according to common sense and availability rather than sex roles or income.

It is amazing how many households still organise their domestic tasks around traditional sex roles - men's work and women's work. Let's move on and break down these rigid divisions even though we may be going against our families of origin. The three parenting roles of domestic helper, carer and provider are now up for grabs.

There is little doubt that staying together in a fast-paced life takes work and commitment. But it can happen. It is a matter of taking control of your lives together and being a little creative about how you live. We are all social pioneers as we learn to live and love together in the 21st Century.

Michael Grose is Australia's leading parenting educator. He is the author of six books and gives over 100 presentations a year and appears regularly on television, radio and in print.

For further ideas to help you raise happy children and resilient teenagers visit http://www.parentingideas.com.au . While you are there subscribe to Happy Kids newsletter and receive a free report Seven ways to beat sibling rivalry.

What is SMS?

What is SMS?

SMS, also known as short messaging service, is the rage in Europe and parts of Asia. Gradually SMS is gaining momentum in the US as a low cost messaging solution. SMS is defined as text messages, up to 160 characters in length, sent to mobile phones. In recent months SMS has become synonymous with any text message sent to a cell phone.

Benefits to SMS

SMS is a convenient, cost effective alternative to voice messaging. SMS popularity has grown as a result of:

1.) Cost - SMS is less expensive then the airtime used for voice calls or web access.

2.) Non-intrusive - messages are received in a discrete fashion and do not interrupt an individual if they are in the middle of a meeting

3.) Integration Capabilities - many software programs can be set up to send text alerts to mobile phones when urgent conditions exist.

Short Messaging Explained

Short messages can originate from other phones, personal computers or the Internet. Consumers and businesses alike use SMS for remote communication, allowing for staff to be mobile and stay in touch with those who matter.

Who Offers SMS?

Today nearly all the cellular carriers provide some level of SMS or text messaging capabilities. Cost and features vary, with carriers offering a variety of packages to suit individual or business needs. Typically there are three options that carriers provide:

1.) Free of Charge - text messaging is included as part of a select plan.

2.) Per Message Fee - users are charged per message.

3.) Monthly Fee - a set monthly fee includes a specified number of text messages.

How Do You Send SMS Messages?

Messages can be sent a variety of ways, depending on the service provider that you use.

SMS Software

The most popular way to send text messages is using software. When using software there is no cost associated with the sending of messages. Depending on the carrier that you are sending to messages can be sent any number of ways. Different carriers use different standards or protocols, the common protocols supported by most software is: via modem (TAP, UCP), the Internet ((SNPP, WCTP) and via email (SMTP). Software is flexible and often allows for group or scheduled messaging. Another benefit to software is the ability to automate processes, sending SMS alerts when specific conditions exist often without the need for human interaction.

SMS Software - free trials available for download and evaluation http://www.notepage.net

Public SMS Gateway

Public gateways are often referred to as SMSC or SMS centers. The centers typically run a robust software application (like advanced versions of those mentioned above) and subscribe to a large database that allows for the messages to be routed to the appropriate carriers using the appropriate settings. When using an SMSC the sender incurs a per message charge. Cost will vary depending on the SMSC used to send the message but its not uncommon for it to cost .05 per message.

Phone to Phone

Many of the new mobile phones and those on the GSM network allow for messages to be sent from phone to phone. The keypads are rudimentary and not conducive for long messages but are effective when time is an issue and a concise message is needed.

Win for everyone

SMS messaging has been helpful to consumers and carriers, as the cost of sending and delivering SMS messages is relatively low. SMS messages have proven to be a lucrative revenue stream for struggling telecom providers.

The Future of SMS

SMS will continue to grow as part of the telecom industry. As software processes become more complex users will exploit text messaging capabilities in order to allow for additional mobility in the workplace.

About The Author

NotePage, Inc. develops SMS, alphanumeric paging and wireless messaging software solutions. http://www.notepage.net

What is a Cash Advance Loan?

A cash advance loan is a short-term loan secured by your paycheck. It is also known as a "Payday Loan".

A cash advance loan is a quick and confidential way to get a cash advance until your next payday.

A cash advance loan is a short term, high rate loan, where the lender requires the loan to be repaid on your next payday.

Your funds can be used for anything you like, such as car bills, phone bills, medical emergencies, etc.

From time to time, we all find ourselves short on cash between paydays and this mainly occurs because we never know what's round the corner. Cash advance loans are a quick, easy and confidential means to relieve your financial situation.

All you need is a checking account in good standing and a steady paycheck to obtain cash till payday. You will need to be employed, have a permanent address, and an active checking account.

Cash advance loans, also referred to as payday loans or check advance loans, are short-term loans to help overcome various short-term financial needs.

The purpose of a cash advance loan is to provide a way to pay for emergency or immediate expenses that cannot wait until your next payday.

People often choose cash advance loans to cover small, unexpected, expenses and to avoid costly bounced-check fees or late payment penalties and other less desirable short-term credit options.

How does it work? When a cash advance is approved, usually the borrower authorizes an automatic bank withdrawal, or writes a post dated check to the lender for the amount of the cash advance, plus the lenders fee. The lender then gives the borrower the amount of the check, minus their fee.

The fees charged for a cash advance are typically a percentage of the amount loaned. Lenders are required to provide a truth in lending disclosure that shows the full cost of the loan.

You can apply and receive loans as often as you need to as long as your previous loan has been paid off.

The term of the cash advance loan usually ranges from about one to two weeks, with time extensions available, but more fees are charged for each extension.

If you do not have the funds available to repay the cash advance loan on the due date, you should contact the lending company as soon as possible and make arrangements for an extension. However, this can be costly with additional fees and interest charges applied.

While the fees can be high, they can be less than the alternative expenses, such as, late charges for utility reconnection, rent penalties, or bounced checks.

If you decide to use a cash advance, just remember that it is only a short term loan, and any extensions can be very expensive.

Borrow only as much as you will be able to repay with your next paycheck and still have enough money to live on until the following payday.

You may freely reprint this article provided the following author's biography remains intact, including the live URL link:

About The Author

John Mussi is the founder of Direct Online Loans who help homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

The Secret Of Lasting Personal Change

Why do so many of us end up frustrated when we try to improve our personal reality?

Why do diets end up in gained weight?

Why do some people fail again and again at business?

Why do others get into one bad relationship after another - in spite of their deep desire for a "good" relationship?

Obviously no one *wishes* to fail in their personal or business life. Yet this is an all-too-common problem

Let's face it! We want and deserve to make our lives a better place to be!

We want and deserve success! We want a sense of security! We want a good relationship with ourselves and others.

Good grief -- most of us just WANT to be happy!

** The *Basic Rule* of Lasting Personal Change Trying to change the external conditions of your life is obviously a challenge.

The basic rule of personal change is this: Your effort will *always* fail, or only be temporary, unless accompanied by a change of your internal thoughts and beliefs.

It all starts in your mind! Period!

For example: Consider trying to lose weight by going on a "diet," without first dealing with "why" you are overweight.

We all know the final outcome of such a battle - failure!

There are NO exceptions to this rule.

To change your external conditions, you must first change your internal reality.

Ask yourself: What's happening in your mind to make your business efforts end in failure? Or your relationships collapse? Or your waistline to continuously expand?

Unless you uncover and deal with the source, all your efforts will only be a band-aid over a festering wound.

This rule applies to anything you want to change in your life: From a fear of flying, to chronic underachievement and failure, lack of motivation, low energy, monetary lack, etc.

** How We Create Our Personal Reality The old saying "you become what you think" is more than just a "saying." It is now solidly backed by years of sophisticated brain research. Here's how it works:

Picture a foot path through a meadow: Frequent use creates a well-defined pathway. But if the path isn't used, it eventually disappears.

By its very nature, your mind is a creature of habit. Just like a path through a meadow - neural pathways in your brain are "worn in" (strengthened) by frequent use. But unused neural pathways, on the other hand, will slowly disappear.

So . . . if you give frequent attention to negative thoughts and conditions, they will grow stronger and more defined.

If you focus on the bright side of life, on the other hand, your "positive" neural pathways will gain strength and definition. It really IS this simple.

((( What you focus on will grow! )))

Your thoughts actually CREATE your external reality, because they determine how you will respond to what happens to you!

And your RESPONSES, in turn, directly determine your "personal reality."

** How Your Mind Works Your conscious and subconscious minds are a team. They work together to create your "mental reality."

No one *consciously* chooses to think negatively. Most of our negative thoughts rise up automatically out of our subconscious minds.

Picture your subconscious mind as a garden. Your habitual thoughts and beliefs are seeds. The subconscious mind does not question the seeds planted in it. It simply provides the soil in which they flourish and grow.

Your conscious mind, on the other hand, is the wise gardener. It chooses and plants healthy seeds, and removes the weeds that have grown in your mental garden.

It's important to remember that the subconscious mind does NOT *rationally analyze* the seeds planted in its soil. It just works 24-hours a day to grow what has been planted in it.

Your subconscious mind will manifest failure, sickness, depression and misfortune -- just as easily as it will manifest success, abundance, and happiness.

** Four "ANT-Stomping" Steps

If you have not achieved the happiness and success you deserve in your life, you probably have some ANTs running around your subconscious mind.

ANTs (Automatic Negative Thoughts) can undo our most determined efforts to create a healthy, happy, successful, prosperous life. They are the enemy of anyone desiring lasting personal change.

Here are five steps you can take to stomp out your ANTs:

First, build your awareness of what those ANTs are all about. What messages are they marching through your subconscious mind?

Second, once you become aware of an ANT, drag it out into the sunlight of your conscious mind. Ask yourself: Is it providing a message about something you should change? Or is it just spouting "old stuff" from age five that's no longer really true?

Third, create an anchor to either make the indicated change, or stomp that ANT. An anchor is a *signal* to yourself that will become automatic, once established. For example, you could instruct yourself to snap your fingers every time an ANT tries to undo your efforts to improve your life. Come up with your own anchor.

Fourth, remember that your mind can only hold ONE thought at a time. Focus your conscious thoughts on what you WANT. Do NOT focus on worry or limitation. Remember: What you focus on *will* grow!

Fifth, most of all, just hang in there my friend! Personal change and growth happens one day at a time. Just continue to rededicate yourself to creating the life you desire...and deserve!

The author, Dr Jill Ammon-Wexler, is a doctor of psychology, pioneer brain/mind researcher, and former advisor to the Pentagon, a Presidential Commission, and numerous top executives and executive teams.

The author of several books and hundreds of articles, she is also the co-founder of quantum-self.com, and the Creative Director of the Self Discovery Community. She can be reached at: drjill@quantum-self.com

Come visit the exciting Self Discovery Community. Discover the most interesting, unusual, stimulating and creative methods of self discovery on the web today! Free sizzling weekly ezine, and the web's first Brain Gym ezone. http://www.quantum-self.com

Finding Trophy Bass

Have you ever noticed some people have all the luck when it comes to catching huge bass? Maybe, it's not luck at all, it is most likely they know where to look for the lunkers and what the big bass need to survive. Bass continue growing their whole life but when you have the right elements, they can grow to be monsters.

Big bass needs an abundance of food,shad, crawfish and shiners all are good food for bass and it has to be plentiful.

Bass need warm water to grow to be monsters, this makes their metabolism faster, this is the reason why monster bass grow in the Southern states. Bass also need shallow water for a place to spawn and feed and they need deep water close to the shallow water for cover and cold fronts.

Use your fish finder to find the right places for lunker bass. Mine has water temperature on it, that helps find warm water. If you see a bunch of fish in a location on your finder then they might be bait fish. Once you find the warm water and bait fish then see how far away the deep water is located. If it is close to the warm, shallow water and the bait fish, then try that place for fishing.

If you can find a fishing hole with all these ingredients then you're likely to find big bass.

Charles E. White has fished for almost 50 years for bass from California to Florida. In his lifetime, he has caught over 6,000 bass. His biggest bass is a 12 pound 14 ounce that hangs on his wall in his office. Charles has owned two tackle shops and has taught many people to become successful anglers. He has fished with the Pros in Florida and California. His website about fishing for bass is at: http://www.bassfishingweekly.com

Are you paying higher interest on your credit cards than you think?

Many credit card holders sign up for a credit account with an 8.9% interest rate and then later realize that their interest rate has been bumped to 27.4%. Why?

You know that your credit score affects the credit card rates that you qualify for. But, did you know that a little clause in the fine print of the credit card terms and agreements, called the "Universal Default Penalty Clause" may mean that you're already paying a higher interest than when you signed up for the credit card? What does this fine print mean to you?

If your credit score goes down or one of your other credit conditions change, then your interest rate increases significantly. This doesn't mean any new charges you make to this particular credit card account: the higher rate affects the entire balance. Yes, even items you purchased with the understanding that your interest rate would remain the original rate.

Your credit grantors periodically review your credit report. Almost half of all credit card companies take advantage of you when you are perceived as a delinquent or high-risk borrower. The small print in your account information may include the universal default penalty, which allows the credit card company to increase your interest rate if it uncovers any of these six changes in your credit report:

1. You have a late payment on any credit account. The company doesn't care if you've never made a late payment to them.

2. You go over your available credit line on any credit account. Even if you unknowingly charge a small amount over the credit limit, which many credit card issuers let you do; your interest rate can be raised.

3. Your credit score declines. Just one late payment can hurt your credit score. Experian reports that people with no late or missed payments in the last year had an average credit score of 759; consumers with one or more late payments in the past year had an average score of 598.

4. You charge up too much on one account or many credit cards. If you charge up your credit card near the limit, or even charge up some of your credit cards over the preferred proportional amounts owed, you could pay extra for the privilege. The amount owed on a credit line compared to the available credit is termed the proportional amount owed. With a credit card limit of $5,000, the score will be higher if less than $2,500 is owed. Even better is to owe less than one-third of the available credit or less than $1501. Owing less than ten percent of the available balance gives you the best possible rating. On the other hand, owing over $4,500 on an account with a limit of $5,000 lowers your score considerably, especially if you have too many credit cards and other loans with high balances compared to available balances.

5. Your charge activities indicate a high debt-to-income ratio. If your credit card issuer sees that you've made many new charges and believes that you're getting in over your head, they may raise your interest rate. Even if this is a temporary situation, like many new home owners who make many purchases in a single month, the companies take advantage of the unsuspecting credit card holder.

6. You open new accounts. Opening new credit lines, especially consumer finance accounts, lowers your credit score and adds notations like "Too many consumer accounts" to your credit report. Once again, your credit card company may take advantage of this to raise your interest rate.

Credit cards that start with a low interest rate can jump to interest rates as high as 29.99%, if they find any of these new conditions listed on your credit report.

Check your credit card statements closely; look to see if your credit card grantor raised your interest rates. If you find that you're paying more than you thought, call your credit card company and ask the reason. Once you determine the cause, you can work on your credit issue. After you've fixed the problem, call back and ask for a reduction in your interest rate.

Copyright (c) 2005 Jeanette J. Fisher All Rights Reserved.

Jeanette Fisher teaches real estate investing and interior design college courses. She became a credit expert to help her students buy their dream home and multiple investment properties. Jeanette is the author of "Credit Help! Get the Credit You Need to Buy Real Estate" and other books. For more information on building and maintaining a strong credit score, explore the Real Estate Credit Help Center http://www.recredithelp.com

Credit questions? Ask Jeanette: http://recredithelp.blogspot.com/