Have you taken Ortho Evra birth control patch

Recently the FDA disclosed that the excessive levels of estrogen delivered by the birth control patch Ortho Evra can cause serious injuries and even death to the women who use it. Johnson and Johnson is the parent company of the manufacturer of the Ortho Evra patch.

Especially worrisome is the finding that most of about a dozen users who died of clot-related complications in 2004 were young — in their late teens and early 20s.


The AP reported that patch users die and suffer blood clots at a three-times-higher rate than women taking the pill.
The kinds of injuries that can occur include:

Blood Clots
Pulmonary Embolism
Heart Attacks
Stroke
Deep Vein Thrombosis
Death

read more about what you can do here!!!

The TRUTH About Credit Repair…

The TRUTH About Credit Repair…

by Jay Peters

Have you ever wondered what companies send you when they claim you can erase your bad credit overnight? How about those ads that say you can get any major credit card 100% Guaranteed regardless of your credit?

Ads abound almost everywhere (online and off) selling books, systems and secrets to help you fix your credit in a hurry. Many of these programs have claims which read like the covers of supermarket tabloids “In 3hrs my credit score jumped from 580 to 676!”… “Erase bad credit and smash your debts with just 2 Magic Letters!”. “Create a completely new credit file in 24hrs!” Are these types of claims ALWAYS too good to be true? The answer is “Yes and… no”.

While many people would love for you to believe that the only thing that can fix bad credit is time; in reality… nothing could be further from the truth. The fact is, time is only one factor which will fix a credit report (but it’s a far cry from being the only factor). How can I back this up? Easy. Under a consumer protection law known as the Fair Credit Reporting Act (a.k.a. the FCRA) the only negative information which can remain on your credit report is not what is accurate… but what can be proved as such. What’s this mean to you?

It means any negative item on your credit report can only remain there if it is accurate and CAN BE PROVED AS ACCURATE under the guidelines of the FCRA. This undisputable fact presents consumers with both good news and bad news. The good news is that through the FCRA your credit score can most likely be improved dramatically in a very short period of time with only a modest amount of effort on your part.

The bad news is that while the actual “work” will take very little of your time, it is vital that you have good information on “how” to go about it. This is the bad news; 9 out of 10 courses on restoring your credit will do nothing more than lead you into a snake pit. This is because they provide you with out-dated “Boiler Plate” dispute letters which are rarely effective. These are nothing more than form letters and… quite frankly (more bad news) the Credit Bureaus and Creditors will laugh at you if you try to use them.

While I agree with the Federal Trade Commission (FTC) that “Anything a Credit Repair Clinic can do for you legally, you can do for yourself at little or not cost”… the key element you need for success is the latest inside techniques and procedures to get the results you want. These involve strategies known as “Proof of Contract”, “Constructive Notice”, “Challenge of Procedure” or “Restrictive Endorsement” and many others.

All these terms may “sound” impressive but they are really quite simple. In the end, it is nothing more than a method of communication which exercises your consumer protection rights, gets the results you want and raises your credit score. Even more impressive, once you learn how simple it can be by doing it for yourself, you will find there is a fortune to be made doing it for others! Either way, it all starts by requesting a free copy of your credit report by visiting: www.AnnualCreditReport.com.

Jay Peters is the founder of Consumer Publishing Group which publishes the Credit Secrets Bible (in print since 1994). To receive Free Credit Tips including “How to Bullet-Proof Yourself From Identity Theft For FREE!”

The Credit Secrets Bible
Only $67

The 13 Principles of Success

The 13 Principles of Success
A Burning Desire
Applied Faith
Auto-suggestion
Specialized Knowledge
Imagination
Organized Planning
Decision
Persistence
The Master Mind
The Mystery of Sex Transmutation
The Subconscious Mind
The Brain
The Sixth Sense

Top 10 Traits of Successful Loan Officers

Top 10 Traits of a Successful Loan Officer!




I Will Do the Things Below to Become a Successful Loan Officer!



1. Have a game plan!

Review your pipeline and know what you need to do today. Do I need 4 apps, 2 appraisals or 2 more closed loans by the end of the week? Plan out your day, week and month! Do not wing it! Pilots do not wing it when they fly, doctors do not wing it when they have surgery, why should you wing it? You have to be prepared and know what you need to do when you walk in that door.



2. Know your Products and Guidelines!

How can you sell a mortgage if you don't even know our products? You should be able to know what your customers qualify for once you initially talk to them and pull their credit. Do not prescreen customers if you do not know your guidelines. That is the worst thing you could do! If you don't know, continue to take the app and pull credit. You can not afford to play the guessing game, because by that time, it is too late and you have just wasted a lot of people's time and money.



3. Raise Your Expectation Level and keep a larger pipeline than your peers!

Too many times Loan Officers fail due to not having a high enough expectation level. Why limit yourself? Great Leaders have great visions! If you don't visualize yourself closing 10 loans, then how are you going to achieve it? If you're aiming to close 5 loans and you close only 3 or 4, then you are SOL. Set your expectation level higher than everyone else!



4. Don't be afraid to deliver bad news!

Unfortunately, the difficult part of our job is to deliver the bad news to our customers. Be selective on the times that you make these calls. Make that unwanted call and be decisive about your decisions! The sooner you do it, the sooner you can move on to new business and better deals.



5. Be Decisive!

Another big mistake Loan Officers make! Make a decision and move on! Too many times Loan Officers keep holding on to files and aren't being decisive enough about the loan. This is the biggest mistake that you could possibly make because it creates a lot of unnecessary time when hanging on to these "problem files". You might sneak one in from time to time but, you could have spent all of that time finding several "fast funding" loans!



6. Deliver Great Customer Service!

Oh, how important this is to do? Return your phone calls immediately! Constantly call your customer during the Loan Process just to inform them that you have a handle on things. Create multiple sales proposals for every customer. Even if they are an 800 fico!! Be consistent in what you do on a daily basis and deliver the customer service needed to get future referrals!



7. Be Accountable!

Be 100% accountable for your own Successes and Failures! Challenges and Problems are yours to overcome! They are not an excuse to fail! Have some resiliency! Do not blame processors, managers or underwriters for your failures!



8. Start Early in the Month! Do not procrastinate!

Never submit files late and if you do, make sure you are already in position to commission at that point and what you are submitting at month end is gravy! When the rest of the office is going crazy at month end, great Loan Officers are the ones staying focused and selling loans to prepare for the next month. Learn to multitask! If you can't control the situation, then don't worry about it and move on to another task, like selling!



9. Attitude, Drive and Goals!

Come to work with the right attitude every single day! Have the drive and desire to succeed in this business and most importantly, make sure you have your goals in place otherwise; you do not know what you need to accomplish each day, week or month! Visualize the big picture! Do you want to manage one day or do you want to make $100,000 this year or both? Find out what your goal is and work backwards to figure out what you need to do to get there.



10. Ask for Referrals

Be careful what you ask for because you might just get it! It is proven that each customer you talk to can lead to potentially 52% more prospects. That is right, 52! All it takes is the ability to ask that question of "Do you know of anyone else that needs cash out on their property, a lower rate or to get out of their adjustable rate mortgage? Do not be afraid to ask, but it starts with delivering great customer service as well!

~These are rules that I live by...and being in the financial services industry since 1999 and have come in contact with lots of others in the field, I also found most or all of these traits in the successful ones as well!

Join me over at Active Rain, the network of all top Real Estate Experts!

Top 10 Red Flag List for Mortgage Brokers

Top 10 Red Flag List for Mortgage Brokers


Shifting the closing date. The borrower's mortgage closing date can shift if the borrower does not have a written commitment from the lender. Homebuyers can find themselves in a default situation if they quit paying their existing mortgage based on an oral promise that the new loan will be closing quickly.


Offer a "free" refinance. Sometimes mortgage brokers will promise "free" refinances of a mortgage in the event mortgage rates drop further from the borrower's present mortgage interest rate. Every real estate closing has costs. While a mortgage broker may agree not to charge a fee, other closing costs may still arise. If such an offer is made, the borrower should get the offer signed and dated in writing.


Total reliance on the loan broker. The lender and the loan broker play different roles in the mortgage transaction. They are usually different, unrelated business entities. The borrower should know the lender's identity and receive a copy of the "locked loan rate commitment" from the lender in writing.


"Pre-approved" and "pre-qualified." These are marketing terms, not legal ones. The only legally binding mortgage loan commitment must be in writing from the lender and must contain specific terms, such as the mortgage loan dollar amount, the mortgage interest rate and the date the mortgage loan commitment expires.


Offer for a "free" real estate appraisal. Mortgage brokers may offer a "free" real estate appraisal under the condition that the borrower closes on a mortgage loan through their company. Borrowers should be prepared to pay for the appraisal if they decide to take their loan business elsewhere.


Falsified income. An unscrupulous loan broker may encourage the borrowers to falsify their income on the mortgage application. This is fraud. A buyer should never present false information. If buyers can't document their sources of income, they may be trying to purchase a property that is beyond their means.


Equity Stripping. This practice occurs when unscrupulous loan brokers may convince the borrower to continually refinance. All of the closing costs can be included in the total amount borrowed, resulting in the loan broker receiving a new commission and additional fees for closing each new loan.


Over-appraised residential real estate. This occurs when an unscrupulous loan broker, real estate appraiser and/or real estate agent collude to get a property appraised at a value grossly above its market value.


Undisclosed pre-payment penalties, balloon payments and rate and terms switched at closing. Loan terms are required to be disclosed early in the process. However, terms do change throughout the process. It is up to the borrower to stay on top of term changes that the borrower does not find acceptable.


Post-closing squeeze for more fees. The HUD-1 Settlement Statement must list all fees paid at the closing table or paid outside of closing. Anyone who calls the borrower after closing and tries to collect additional undisclosed fees is acting illegally. The borrower should also contact the Secretary of State's office to report such attempts.

See me on Active Rain!

Henry Ford Quotes

A bore is a person who opens his mouth and puts his feats in it.
Henry Ford

A business absolutely devoted to service will have only one worry about profits. They will be embarrassingly large.
Henry Ford

A business that makes nothing but money is a poor business.
Henry Ford

A market is never saturated with a good product, but it is very quickly saturated with a bad one.
Henry Ford

An idealist is a person who helps other people to be prosperous.
Henry Ford

Any colour - so long as it's black.
Henry Ford

Anyone who stops learning is old, whether at twenty or eighty. Anyone who keeps learning stays young. The greatest thing in life is to keep your mind young.
Henry Ford

As we advance in life we learn the limits of our abilities.
Henry Ford

Before everything else, getting ready is the secret of success.
Henry Ford

Business is never so healthy as when, like a chicken, it must do a certain amount of scratching around for what it gets.
Henry Ford

Capital punishment is as fundamentally wrong as a cure for crime as charity is wrong as a cure for poverty.
Henry Ford

Chop your own wood, and it will warm you twice.
Henry Ford

Coming together is a beginning; keeping together is progress; working together is success.
Henry Ford

Competition is the keen cutting edge of business, always shaving away at costs.
Henry Ford

Don't find fault, find a remedy; anybody can complain.
Henry Ford

Don't find fault, find a remedy.
Henry Ford

Enthusiasm is the yeast that makes your hopes shine to the stars. Enthusiasm is the sparkle in your eyes, the swing in your gait. The grip of your hand, the irresistible surge of will and energy to execute your ideas.
Henry Ford

Even a mistake may turn out to be the one thing necessary to a worthwhile achievement.
Henry Ford

Exercise is bunk. If you are healthy, you don't need it: if you are sick you should not take it.
Henry Ford

Failure is simply the opportunity to begin again, this time more intelligently.
Henry Ford

History is more or less bunk.
Henry Ford

I am looking for a lot of men who have an infinite capacity to not know what can't be done.
Henry Ford

I believe God is managing affairs and that He doesn't need any advice from me. With God in charge, I believe everything will work out for the best in the end. So what is there to worry about.
Henry Ford

I cannot discover that anyone knows enough to say definitely what is and what is not possible.
Henry Ford

I do not believe a man can ever leave his business. He ought to think of it by day and dream of it by night.
Henry Ford

If everyone is moving forward together, then success takes care of itself.
Henry Ford

If money is your hope for independence you will never have it. The only real security that a man will have in this world is a reserve of knowledge, experience, and ability.
Henry Ford

If you think you can do a thing or think you can't do a thing, you're right.
Henry Ford

It has been my observation that most people get ahead during the time that others waste.
Henry Ford

It is not the employer who pays the wages. Employers only handle the money. It is the customer who pays the wages.
Henry Ford

It is well enough that people of the nation do not understand our banking and monetary system, for if they did, I believe there would be a revolution before tomorrow morning.
Henry Ford

Life is a series of experiences, each one of which makes us bigger, even though sometimes it is hard to realize this. For the world was built to develop character, and we must learn that the setbacks and grieves which we endure help us in our marching onward.
Henry Ford

Money is like an arm or a leg - use it or lose it.
Henry Ford

Money is like an arm or leg - use it or lose it.
Henry Ford

Most people spend more time and energy going around problems than in trying to solve them.
Henry Ford

My best friend is the one who brings out the best in me.
Henry Ford

Nothing is particularly hard if you divide it into small jobs.
Henry Ford

Obstacles are those frightful things you see when you take your eyes off your goal.
Henry Ford

One of the greatest discoveries a man makes, one of his great surprises, is to find he can do what he was afraid he couldn't do.
Henry Ford

One of the greatest discoveries a man makes, one of his greatest surprises, is to find he can do what he was afraid he couldn't.
Henry Ford

Quality means doing it right when no one is looking.
Henry Ford

Speculation is only a word covering the making of money out of the manipulation of prices, instead of supplying goods and services.
Henry Ford

The competitor to be feared is one who never bothers about you at all, but goes on making his own business better all the time.
Henry Ford

The highest use of capital is not to make more money, but to make money do more for the betterment of life.
Henry Ford

The man who will use his skill and constructive imagination to see how much he can give for a dollar, instead of how little he can give for a dollar, is bound to succeed.
Henry Ford

The only real security that a man can have in this world is a reserve of knowledge, experience and ability.
Henry Ford

There are no big problems, there are just a lot of little problems.
Henry Ford

There are two fools in this world. One is the millionaire who thinks that by hoarding money he can somehow accumulate real power, and the other is the penniless reformer who thinks that if only he can take the money from one class and give it to another, all the world's ills will be cured.
Henry Ford

There is joy in work. There is no happiness except in the realization that we have accomplished something.
Henry Ford

There is no man living that can not do more than he thinks he can.
Henry Ford

There is one rule for the industrialist and that is: Make the best quality of goods possible at the lowest cost possible, paying the highest wages possible.
Henry Ford

Thinking is the hardest work there is, which is probably the reason why so few engage in it.
Henry Ford

Time and money spent in helping men to do more for themselves is far better than mere giving.
Henry Ford

We don't want tradition. We want to live in the present and the only history that is worth a tinker's dam is the history we make today.
Henry Ford

Wealth, like happiness, is never attained when sought after directly. It comes as a by-product of providing a useful service.
Henry Ford

Whatever you have, you must either use or lose.
Henry Ford

When everything seems to be going against you, remember that the airplane takes off against the wind, not with it.
Henry Ford

Whether you believe you can do a thing or not, you are right.
Henry Ford

Whether you believe you can do a thing or not, you're right.
Henry Ford

Whether you think that you can, or that you can't, you are usually right.
Henry Ford

You can't build a reputation on what you are going to do.
Henry Ford

You can't learn in school what the world is going to do next year.
Henry Ford

You don't build a reputation on what you're going to do.
Henry Ford

You will find men who want to be carried on the shoulders of others, who think that the world owes them a living. They don't seem to see that we must all lift together and pull together.
Henry Ford

Here is my MySpace Page!

Who is Matt LaClear???

Ok getting back on track...days and weeks go by...me trying to keep up with the programs...Matt LaClear has added some upgrades to the program, I understand that...he has to make some money too...esp since this is his business and I don't fought that, I even felt guilty that I couldn't upgrade to the advanced or not program...why because I really wanted to do this myself so I could teach others this better way of marketing online...called web 2.0...it is a permission based marketing program and the funny thing about this that really made me know that this way was best...back in like 2001 I ran across a book called "the science of getting rich" written about 100 years ago and I thought that book was the greatest book ever written next to the Bible of course and then in 2006 I found out that this lady from the "down under" had basically re-written it and broke it down and created the secret!!! that could have been my idea!!! but it wasn't and had the same idea!!! has that ever happened to anyone else, you see an invention that you wanted to create years prior and you see it in walmart or in some type of infomercial? yes, yes I know you have!!!(at least I better not be the only one)...so I am thinking that Matt LaClear has created the next best thing next to sliced bread...so it is no way this time I am going to let the gravy train pass me by!!! not this time!!! Matt has these upgrade packages where he will create or help you design your my space page...you know your about me, your who you would like to meet, your interest, and all the other section...now granted you are providing the info...because he wants things to be you!!! so they are real people with real pages and yes they are...I would have been taken back if he was creating these pages w/o the person's input...again I see no problems...Matt LaClear is a tough person, it will be his way and his way only if you want to stay in the program, esp since he has this no whining policy...if you do whine about something you get a warning and the next one you are banned...ok fair enough....why whine when you are learning something good for you and you asked to learn!!! I could deal with that...instead I really enjoyed this forum and the people...I will tell you that this thing was growing fast and I mean fast...he teamed us up with other link minded people...so I am on my team and the team leaders were chosen, based on activity...and of course they were paying members( I don't know that for sure) but I could see why it would be that way...I am doing what my team leader is telling me to do as he got his direction from matt!!! anyway one night on the call, someone asked Matt about how he was making money giving something away for free and he jokingly said FREE...I made 8000(8K) off this free(again) program...

Let's fast forward to the last week...Matt gets rid of the teams, I really don't know why...people are going nuts, I am getting emails about..is this program legit? Why is Matt so mean? all types of things and I am backing him up...saying man if I was spending my time offering real life help to someone for free and they couldn't invest a little time and effort then I would probably get pissed too...Not only is it a basis member(free), a silver member($250) a gold member ($500) but now it is a platinum package(I don't know how much this one costs) but people are signing up for these programs like crazy...I am sure matt is making a lot more than 8K a week now...I am thinking, he has people signing up for affiliate programs that he gets a piece of( I got no problem with that either) he is doing this for FREE right! so then we get off the forum for a few days and he has this new thing to start posting on a my space forum...not a bad idea with 177 million people and lots of eyes...you know what happened next!!! at least I think what happened..he is either getting paid or extremely stressed with all the work he is doing on people's my space pages or websites among other things, I am just going about my way making friends on my space and at the forum...I feel like I am getting it...then all of a sudden I get this email from him...

-webmaster of the Matt's forum

-canceling the apprentice program

-Message sent to you follows:
~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Just touching base with you to let you know I have just canceled the
entire apprentice program due to lack of posting by everyone. I told
everyone that was a stipulation of the program when you joined and you all
agreed. As a result I am also canceling the team approach as well.

The forum is now an informational forum for anyone wanting to learn
more about marketing. The accountability measures I had tried to instill
in the program have failed and now everyone can now do as they please.
And as a result they are now free to earn as much as they please.

We could of made this a virtual village where we could take harbor in
and learn from. joining together into one entity would of been a
phenomenal resource for us all.

But it seems most did not feel this way.

I am also canceling all further mastermind calls as well. My pearls of
wisdom will be shared with those who understand their value.

These changes will by no means affect the services anyone have
purchased from me. In fact I will have a ton more free time to service you
properly now.

But I am here if you ever have any questions about internet marketing
or need help with the services you purchase from me.

Just post away and I will answer you I promise.

-so I am reading this going what the hell is going on...seemed to me that the program was taking off as I was saving up for the upgrades as I am getting closer to figuring out my angle of what I actually wanted to market! So I post a new thread on the forum asking and begging him not to give up...and then we all get together my new friends and plead that there are a few out there that are doing the things that he wants us to do!!! and he agreed he would re-start the program under certain conditions and with new rules...and as far as I knew the problem was solved...but then today when I get home today with my CC in hand ready to make the big plunge I am no longer a member of the forum so I sign up again...thinking this has got to be a mistake and then nothing and know there is a message that you have to pay $250 to access the forum or it is all over!!! So much for the 3 months of this apprentice program...now here is the email I sent...mind you I am not a saint all the time and I am also pissed...so here goes if you don't like cuss words just insert another word in it place! I put my words in yellow!!!

-What is going on? did I miss something?

Matt Laclear wrote:

Welcome to --------- Forums

Please keep this email for your records. Your account information is as follows:

----------------------------
Username: gioperation
Password: ----------
----------------------------

Your account is currently inactive, the administrator of the board will need to activate it before you can log in. You will receive another email when this has occured.

Please do not forget your password as it has been encrypted in our database and we cannot retrieve it for you. However, should you forget your password you can request a new one which will be activated in the same way as this account.

Thank you for registering.

--
Matt LaClear

I get no response for a couple of hours

and then I email him again at f/u msg that he sent

ryan...If You Stand Any Chance Of Making More Money In 2007 You're Going To Have To Try Something Completely Different Than What You Tried in 2006!

Would you like some free marketing advice on how to do that? If so make sure to Click Here!

Best Regards,

Matt LaClear

I reply...

oh I am deleted from your program... huh?...what the fuck is wrong with you dude?...are you fucking crazy?...I don't ever remember saying anything negative about your ass...but seriously dude...I really had high hopes and plans for being in your program and taking it to the next level...what I will tell you is that I appreciate everything you have taught me thus far...If it was all about the money in the first place, then you are a liar!!! you said ( you give to receive) and I don't deal with people that lie and are not trustworthy...but I appreciate you showing your true colors up front!...before I had the chance to get taken! I wish you the best!!!

you don't owe me shit, but damn...you couldn't even come at me and let me know up front...so you delete me from your fucking forum and for what...is this the type of person I was dealing with...I thought you were one of the good guys but I don't appreciate being treated this way!

and he said...

should of upgraded dude

I am like what the hell? so I write back!

what do you mean dude..should have upgraded? you said that we could be basic members until we had the loot to upgrade...you are right about the choice but wrong about the decision!!! if you don't have the money then you don't have the money...if I am quoting you right and I think that I am...you said that basic members could stay around on the forum and get help and listen to the calls and what not...what about the 3 months...it hasn't even been 1 full month yet...I provided nothing but good quality to your forum, but I guess it was all about the money! you know and I know behind that tough exterior that you do have a heart and I don't know what or why you are acting like this...in my words "this is some bullshit" and you absolutely know it and even in my pissed off state right now I am still wishing you much success...man you taught some great things and I got a few things going...but that is what I thought especially after our call the other day...I had finally thought things were starting to click...I have done everything that you said I should...If I can afford to spend the $250 or 500 or then the other upgrades right now, that is why I contributed like I did...sharing my knowledge of people...we are both intelligent people!!! myself as well as you!!! but you are taking this power thing to another level...the funny thing is except for a few minor details from what I can tell we are cut from the same rug...except one small or major detail...I am a man of my word and up until today or yesterday I thought you were!

Read beginning of blog @ my MySpace!!!

Relationships are everything

Here are the action steps that my good friend Brian Tracy recommends...

Action Exercises
First, focus on building a high quality relationship with each customer by treating your customer so well that he comes back, buys again and refers you to his friends.

Second, pay attention to your existing customers. Tell them you appreciate them. Look for ways to thank them and encourage them to come back and do business with you again.


back to my Myspace page

What do you think about most?

Me Myself I think about being successful..changing the world and how can I help other people grow!


What about you?

21 Success Secrets of Self-Made Millionaires

1. Dream Big Dreams - How to visualize, imagine and create an exciting picture of personal wealth and prosperity;

2. Develop a Clear Sense of Direction - Learn a powerful, proven goal-setting exercise that can change your life;

3. See Yourself As Self-Employed - How to take complete control of your career and your financial life;

4. Do What You Love To Do - Identify the ideal work for you and then get paid well for doing it;

5. Commit to Excellence - How to move into the top 10 percent in your field and be paid more than ever before;

6. Work Longer and Harder - How to organize your time so you get more done and contribute more value;

7. Dedicate Yourself to Lifelong Learning - How to continually upgrade your talents and abilities to earn more money;

8. Pay Yourself First - The most powerful process of wealth accumulation ever discovered and how you can use it;

9. Learn Every Detail of the Business - How to become an expert in your chosen field and double your income;

10. Dedicate Yourself to Serving Others - The starting point of all personal fortunes and how to begin;

11. Be Absolutely Honest With Yourself and Others - How and why personal integrity goes hand in hand with financial success;

12. Set Priorities and Concentrate Single-mindedly - The importance of focusing on your most important tasks all day long;

13. Develop a Reputation for Speed and Dependability - How to give yourself the winning edge in everything you do;

14. Be Prepared to Climb From Peak to Peak - Learn how to recognize the cycles and trends that can make you rich;

15. Practice Self-Discipline In All Things - Develop the most important quality for financial success;

16. Unlock Your Inborn Creativity - Learn how to solve any problem, overcome any obstacle, achieve any goal;

17. Get Around The Right People - The importance of surrounding yourself with winners at each stage of your career;

18. Take Excellent Care of Your Physical Health - How to develop and maintain high levels of energy and fitness;

19. Be Decisive and Action Oriented - How to identify the most important action steps you can take immediately;

20. Never Allow Failure To Be An Option - How to overcome the fears that hold most people back;

21. Pass the "Persistence Test" - Learn how to bounce back from defeat and never, never give up.

GO TO MY MYSPACE PAGE!

Best Life

Another thing I know for sure now is that you’ve got to ask yourself, What kind of life do you want and how close are you to living it? You cannot ever live the life of your dreams without coming face to face with the truth. Every unwanted pound creates another layer of lies. It’s only when you peel back those layers that you will be set free: Free to work out, free to eat responsibly, free to live the life you want and deserve to live. Tell the truth and you’ll learn to eat to satisfy your physical hunger and stop burying your hopes and dreams beneath layers of fat. Click the banner for the rest of the story!



Do you Myspace?

Set Priorities

Stress management requires that you take complete control over the activities of your daily life. This means that you plan your day, set priorities and work on high value tasks. The indispensable key to time management is concentration, the ability to focus single-mindedly on one thing, the most important thing, and to stay with it until it is 100% complete.


~doing these things day in and day out...will not only increase your production, but the article says you will feel so much less STRESS!

Visit Myspace

Top 100 quotes from The Secret

PUT THE SECRET TO WORK



100 Quotes from The Secret


1. We all work with one infinite power.

2. The Secret is the Law of Attraction (LOA).

3. Whatever is going on in your mind is what you are attracting.

4. We are like magnets - like attract like. You become AND attract what you think.

5. Every thought has a frequency. Thoughts send out a magnetic energy.

6. People think about what they don't want and attract more of the same.

7. Thought = creation. If these thoughts are attached to powerful emotions (good or bad) that speeds the creation.

8. You attract your dominant thoughts.

9. Those who speak most of illness have illness, those who speak most of prosperity have it, etc...

PUT THE SECRET TO WORK

10. It's not "wishful" thinking.

11. You can't have a universe without the mind entering into it.

12. Choose your thoughts carefully... you are a masterpiece of your life.

13. It's OK that thoughts don't manifest into reality immediately (if we saw a picture of an elephant and it instantly appeared, that would be too soon).

14. EVERYTHING in your life you have attracted... accept that fact... it's true.

15. Your thoughts cause your feelings.

16. We don't need to complicate all the "reasons" behind our emotions. It's much simpler than that. Two categories... good feelings, bad feelings.

17. Thoughts that bring about good feelings mean you are on the right track. Thoughts that bring about bad feelings means you are not on the right track.

18. Whatever it is you are feeling is a perfect reflection of what is in the process of becoming.

19. You get exactly what you are FEELING.

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20. Happy feelings will attract more happy circumstances.

21. You can begin feeling whatever you want (even if it's not there)... the universe will correspond to the nature of your song.

22. What you focus on with your thought and feeling is what you attract into your experience.

23. What you think and what you feel and what actually manifests is ALWAYS a match - no exception.

24. Shift your awareness.

25. "You create your own universe as you go along" Winston Churchill.

26. It's important to feel good ( ( ( (((good))) ) ) ).

27. You can change your emotion immediately... by thinking of something joyful, or singing a song, or remembering a happy experience.

28. When you get the hang of this, before you know it you will KNOW you are the creator.

29. Life can and should be phenomenal... and it will be when you consciously apply the Law of Attraction.

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30. Universe will re-arrange itself accordingly.

31. Start by using this sentence for all of your wants: "I'm so happy and grateful now that.... "

32. You don't need to know HOW the universe is going to rearrange itself.

33. LOA is simply figuring out for yourself what will generate the positive feelings of having it NOW.

34. You might get an inspired thought or idea to help you move towards what you want faster.

35. The universe likes SPEED. Don't delay, don't second-guess, don't doubt.

36. When the opportunity or impulse is there... ACT.

37. You will attract everything you require - money, people, connections... PAY ATTENTION to what's being set in front of you.

38. You can start with nothing... and out of nothing or no way - a WAY will be provided.

39. HOW LONG??? No rules on time... the more aligned you are with positive feelings the quicker things happen.

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40. Size is nothing to the universe (unlimited abundance if that's what you wish). We make the rules on size and time.

41. No rules according to the universe... you provide the feelings of having it now and the universe will respond.

42. Most people offer the majority of their thought in response to what they are observing (bills in the mail, being late, having bad luck...etc..).

43. You have to find a different approach to what is through a different vantage point.

44. "All that we are is a result of what we have thought" - Buddha.

45. What can you do right now to turn your life around?? Gratitude.

46. Gratitude will bring more into our lives immediately.

47. What we think about and THANK about is what we bring about.

48. What are the things you are grateful for?? Feel the gratitude... focus on what you have right now that you are grateful for.

49. Play the picture in your mind - focus on the end result.

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50. VISUALIZE!!! Rehearse your future.

51. VISUALIZE!!! See it, feel it! This is where action begins.

52. Feel the joy... feel the happiness.

53. An affirmative thought is 100 times more powerful than a negative one.

54. "What this power is, I cannot say. All I know is that it exists." Alexander Graham Bell.

55. Our job is not to worry about the "How". The "How" will show up out of the commitment and belief in the "what."

56. The Hows are the domain of the universe. It always knows the quickest, fastest, most harmonious way between you and your dream.

57. If you turn it over to the universe, you will be surprised and dazzled by what is delivered... this is where magic and miracles happen.

58. Turn it over to the universe daily... but it should never be a chore.

59. Feel exhilarated by the whole process... high, happy, in tune.

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60. The only difference between people who are really living this way is they have habituated ways of being.

61. They remember to do it all the time.

62. Create a Vision Board... pictures of what you want to attract... every day look at it and get into the feeling state of already having acquired these wants.

63. "Imagination is everything. It is the preview of life's coming attractions." Albert Einstein.

64. Decide what you want... believe you can have it, believe you deserve it, believe it's possible for you.

65. Close your eyes and visualize having what you already want - and the feeling of having it already.

66. Focus on being grateful for what you have already... enjoy it!! Then release into the universe. The universe will manifest it.

67. "Whatever the mind of man can conceive, it can achieve" W. Clement Stone.

68. Set a goal so big that if you achieved it, it would blow your mind.

69. When you have an inspired thought, you must trust it and act on it.

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70. How can you become more prosperous?? INTEND IT!!

71. 'Checks are coming in the mail regularly'... or change your bank statement to whatever balance you want in there... and get behind the feeling of having it.

72. Life is meant to be abundant in ALL areas...

73. Go for the sense of inner joy and peace then all outside things appear.

74. We are the creators of our universe.

75. Relationships: Treat yourself the way you want to be treated by others... love yourself and you will be loved.

76. Healthy respect for yourself.

77. For those you work with or interact with regularly... get a notebook and write down positive aspects of each of those people.

78. Write down the things you like most about them (don't expect change from them). Law of attraction will not put you in the same space together if you frequencies don't match.

79. When you realize your potential to feel good, you will ask no one to be different in order for you to feel good.

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80. You will free yourself from the cumbersome impossibilities of needing to control the world, your friends, your mate, your children....

81. You are the only one that creates your reality.

82. No one else can think or feel for you... it's YOU... ONLY YOU.

83. Health: thank the universe for your own healing. Laugh, stress free happiness will keep you healthy.

84. Immune system will heal itself.

85. Parts of our bodies are replace every day, every week...etc... Within a few years we have a brand new body.

86. See yourself living in a new body. Hopeful = recovery. Happy = happier biochemistry. Stress degrades the body.

87. Remove stress from the body and the body regenerates itself. You can heal yourself.

88. Learn to become still... and take your attention away from what you don't want, and place your attention on what you wish to experience.

89. When the voice and vision on the inside become more profound and clear than the opinions on the outside, then you have mastered your life.

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90. You are not here to try to get the world to be just as you want it. You are here to create the world around you that you choose.

91. And allow the world as others choose to see it, exist as well.

92. People think that if everyone knows the power of the LOA there won't be enough to go around... This is a lie that's been ingrained in us and makes so many greedy.

93. The truth is there is more than enough love, creative ideas, power, joy, happiness to go around.

94. All of this abundance begins to shine through a mind that is aware of it's own infinite nature. There's enough for everyone. See it. Believe it. it will show up for you.

95. So let the variety of your reality thrill you as you choose all the things you want... get behind the good feelings of all your wants.

96. Write your script. When you see things you don't want, don't think about them, write about them, talk about them, push against them, or join groups that focus on the don't wants... remove your attention from don't wants... and place them on do wants.

97. We are mass energy. Everything is energy. EVERYTHING.

98. Don't define yourself by your body... it's the infinite being that's connected to everything in the universe.

99. One energy field. Our bodies have distracted us from our energy. We are the infinite field of unfolding possibilities. The creative force.

100. Are your thoughts worthy of you? If not - NOW is the time to change them. You can begin right were you are right now. Nothing matters but this moment and what you are focusing your attention on.

If you haven't read this book or then you probably should...it is one of the greatest books ever written in my opinion!

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Mortgage crisis calls American Dream into question

Mortgage crisis calls American Dream into question
~By Andrea Hopkins




CINCINNATI (Reuters) - For years, political leaders touted rising homeownership rates as a sign the "American Dream" was being fulfilled but more than a million looming foreclosures have called the dream into question.

"We no longer have a problem with loan availability ... but a lot of our homeowners are one crisis away from losing their home," said Hope Wilson, a housing counselor at Working in Neighborhoods, a nonprofit trying to boost homeownership in inner-city Cincinnati.

There is no shortage these days of tragic stories of homeowners caught in America's subprime mortgage meltdown, as risky borrowing, reckless lending and a slump in the housing market drives millions into foreclosure.

But while statistics show poor and minority homeowners are bearing the brunt of the crisis, the belief that every American can or should own their own home remains so pervasive few politicians admit that it just might not be true.

"The more people who own their home, the better off America is," President George W. Bush said in a 2004 speech. "See, we want more people owning something because when somebody owns something, they have a vital stake in the future of the country."

After stagnating at about 65 percent for much of the 1960s, '70s and '80s, the U.S. homeownership rate has risen slowly in the past 15 years to nearly 69 percent -- a point of pride for Democrats and Republicans alike.

But with an estimated 1.5 million homeowners facing foreclosure this year, Congress is now looking at tighter lending standards to protect unwary Americans from taking on loans they cannot afford.

NOT READY

Despite the crisis, Massachusetts Democratic Rep. Barney Frank (news, bio, voting record), who heads the House Financial Services Committee that likely will set new lending rules, is one of the few politicians willing to admit that homeownership is not for everyone.

"Not everyone is ready ever. A lot are not economically ready now," Frank said in an interview with Reuters.

"This administration is acting as if the only important program to help people with housing issues is to get them into homeownership. I think that overemphasis has contributed to the subprime crisis. People were put into homeownership who just economically should not have been there."

It's a tricky thing to say. Key to the American Dream is the belief that everyone can make it to the top. Restricting lending is expected to disproportionately hurt blacks and Hispanics -- voters coveted by both Republicans and Democrats.

Across the United States, racial minorities are more likely to get a high-cost, subprime mortgage when buying a home than whites, according to a study released last month by fair housing agencies. In six major U.S. cities, black borrowers were 3.8 times more likely than whites to receive a higher-cost home loan, it said.

But it is not just poor and minority Americans who are losing their homes -- many debt-ridden consumers simply were unwise in their loan choices. The suggestion that more regulation is needed to protect Americans from willing but risky lenders is controversial.

"Should we really interfere in a contract between two mature adults over something that involves no deceit?" asked Ron Utt, a research fellow at the right-leaning Heritage Foundation think-tank in Washington.

IMMEDIATE GRATIFICATION

Utt believes tighter regulation by the Democrat-controlled Congress will cut off loans to the same minorities both parties want to help into higher homeownership.

"Subprime mortgages and 100 percent financing opened up homeownership to people who otherwise financially would not be eligible," Utt said.

Housing advocates do not want to see a return of the days when many low-income or minority Americans were shunned by lenders. But credit counselors facing a tidal wave of panicked homeowners say many should not have taken out -- or qualified for -- a home loan in the first place.

"Everyone wants immediate gratification. All they think is 'I want this house now,"' said Joann Brady, director of the nonprofit Home Ownership Center of Greater Cincinnati. "The lender was looking only at the bottom line. The client was not reading the documents. It's both of their fault."

In any case, John Taylor, president of the National Community Reinvestment Coalition, said politicians should not pretend that growth in minority homeownership is anything more than a fleeting increase.

"We shouldn't make believe we're helping people into homeownership by giving them a predatory product that creates a temporary homeownership," he said. "Two years down the road they are on the street and ... in a much worse position.

"Is it paternalistic? Call it what you want. I don't care, I'm not running for office. I just want to keep people in homes they can really afford."

(With additional reporting by Patrick Rucker in Washington)

Yes...we are still doing business, at least our company is, we positioned ourselves to stay in the market and not fold or close up shop as a lot or mortgage companies couldn't survive the problems that they caused, we also had to cut a little fat but we are going along just fine!

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