Counseling by debtconsolidationcare.com

Non-profit debt consolidation services can help you significantly reduce your monthly debt payment rate. If your monthly rate is $1200, debt consolidators can negotiate with creditors to reduce interest so that the monthly rate can be as low as $700. With this great reduction, you can easily pay off your bills without extra financial burden. It is also a good way to avoid declaring bankruptcy as many do when they fail to pay their bill debts. By consulting non-profit debt consolidators, you no longer have to worry about not having enough money to pay your bills.

www.spaziosystem.com

Those who have read my previous article 22 ‘Managing Stress = Individuality, Personality and Temperament’ and in fact all the other articles concerning recovering from or managing stress you will have noted the point about so much advice freely available.

My readers are indicating that they are cherry picking bits and pieces of information from everywhere they think might work for them. The result is that they end up confused or disillusioned. What should they do?

From my point of view the answer is clear although a little complex. I’ll do my best to explain in simple terms. First of all cherry picking information or advice may not in itself be a bad thing. This is because it yields personalised results to fit any one of millions of possible causes. This corresponds to my comment in my previous article in reference to people in serious stress needing specifically and uniquely tailored support and guidance. On balance it is best not to use this strategy.

Cherry picking can also be a bad thing. This probably does not work because the same thinking strategies that do the cherry picking are the same as those that promoted the stress syndrome in the first place and helped to drive it up to mega proportions.

Yes, it is a catch 22 situation and it is inevitable that a large proportion of stress suffers will get caught in that catch situation.

This is one of the paradoxes or anomalies of thinking patterns. Once the brain is programmed to think in a specific way it will continue to do so. To change those patterns is not necessarily easy because they are driven by so many beliefs and values that underpin them. Therefore before changing limiting thinking patterns it becomes necessary to first find and change the appropriate beliefs and values that protect those patterns.

Therefore ‘Do It Yourself’ cherry picking of information and advice to resolve the stress problem will in too many cases simply support the stress or even add to it.

Thus, my answer to this stressful problem of too much free advice is to recognise that whilst we may be aware of the fact that we are stressed or in a mounting stress situation, this does not mean that one can find the solution alone.

It is a case of not being able to see the wood for the trees. Furthermore the complexities of the brain and how each one of us creates thinking patterns and thought pathways is beyond most everyday comprehension. This means that it is important to have someone trained who can find the cause and the process. To do this it is important to have some one external to our own thinking patterns.

Trying to do this oneself is like employing a thief to protect your fortune or jewels. The very thing you believe to be secure is the very same belief that undermines your position.

Stress management is not a good subject for DIY. Find a therapist that you are attracted to and test them out. Test several therapists until you find one that does give you the feeling that they are making sense. Avoid any support that is loaded with complex jargon. Find one that does give you the feeling you are making progress and do feel progressively better even if that is a slow process. Be quite confident and if not happy change and find a better therapist for your unique case. Because you start to work with a particular therapist does not mean they own your soul. Avoid any therapist that insists on a long therapy process. Look for a therapist that encourages you to develop self responsibility that builds internal strength and resilience. ♦

For information about ASR-KEY Therapy go to www.asr-key.ch

Special Note:

During the month of August I have been running a trial to discover the needs, objectives and strategies of my readers and clients.  

I have learnt a great amount from this exercise that signals why most readers are either in stress overwhelm or burnout.  I naturally recommend my book and particularly because it was written for this very reason. That is to demonstrate that each one of us has a fantastic capability to support and heal ourselves would it be that we knew how. This book explains the 'Why' and the 'How'. It was first available in E-book format  and it was also published in paperback format. Some readers have indicated a reluctance to buy E-books and now that problem has been solved because finally the paperback edition is available. What is more it is now cheaper that previously expected due to the volume of forward demand.

Activating Spontaneous Healing    ISBN 978-2-8399-0326-4

If you cannot get it at your local bookshop contact info@asr-key.ch 

$35 US -  36.- CHF - 27.-€ - £18     plus post and package.

The E-book version is available at www.asr-key.ch/announcements

Though focusing on naturally restoring your inner strength, immune system and innate healing system to full working order the principles apply equally to overwhelming stress and burnout. These articles or posts on this weblog are offered freely. In themselves they are only part of the solution. There is a fundamental knowledge that gives them a greater meaning that endowers the power to work towards activating healing. No one can force you to do anything to help yourself. Stress and overwhelming stress is a mind set that creeps up and dominates with limiting thoughts. Those limiting thoughts are how the internal stress starts and evolves that can eventually lead up to burnout. Understanding how your thoughts work is the ASR-KEY to recovery from overwhelming stress and burnout. The key unlocks your inner potential, you see or realise how to change limiting thinking patterns in order to recover your self responsibility, self determination and enjoyment of life in general. It is for this reason that I urge you to take the first stem by buying and reading the book. After all is said and done, it was written specifically for you and anyone else who is suffering and does not know why no one seems to be able to help them.

 Only you can take the next step to your recovery. Others like this article and book can point the way ahead. No one can take that next step for you. The first step no matter how small is often the hardest.

May your force be with you.

How do you do The Five Whys?

In pairs or small groups take a concept or issue and ask why five times.

Here's an example borrowed from iSixSigma.com:

The Washington Monument was disintegrating.

1. Why is it disintegrating? Use of harsh chemicals
2. Why use harsh chemicals? To clean pigeon poop
3. Why are there so many pigeons? They eat spiders and there are a lot of spiders at monument
4. Why so many spiders? They eat gnats and lots of gnats at monument
5. Why so many gnats? They are attracted to the light at dusk.

Proposed Solution: Turn on the lights at a later time.

You may arrive at a idea to test or you may find another area of discovery. Nevertheless the Five Whys is a low-tech, quick process that you can employ anytime.

When will you use the Five Whys?

]]> http://imaginextt.wordpress.com/?p=12 Fri, 10 Oct 2008 00:51:35 +0000 Reatnary http://imaginextt.pl.wordpress.com/2008/10/10/le-vert-ce-nest-plus-une-tendance-cest-un-must/

Éco-citoyennes jusqu’au bout, consommation énergétique plus faible, nombreuses sont les entreprises qui se tournent à la tendance Green. Mais ce n’est plus une mode. Non, c’est une norme. La prise de conscience des consommateurs les pousse à leur offrir un produit toujours plus vert, plus sain et beaucoup plus original … Les compagnies ne cessent d’innover pour répondre à une clientèle de plus en plus impliquée envers l’environnement. D’accord pour le consommateur, mais encore mieux pour l’entreprise. En effet, celles-ci peuvent réduire leurs factures d’énergie en adoptant des technologies appropriées. Il n’est plus question de marketing mais de solutions efficaces. Une étude réalisée par EMA rapporte que 100% des PME et GE des IT ont l’intention d’utiliser des programmes de développement durable au sein de leurs sociétés d’ici l’année prochaine. Ouf ! Finalement, on peut respirer.

Tout dernièrement en matière d’innovation dans les transports : les hybrides, les Vélib’, les Segway, et maintenant le Rickshaw vélomoteurs écolos venus de l’Inde! (appelés aussi ‘tuktuk’ ou ‘poussepousse’), ce n’est plus que les pieds qui travaillent mais l’énergie solaire qui poussera l’engin. Ce système fonctionne grâce à des sites de recharge de larges panneaux solaires situés aux alentours de stations de métro. Le gouvernement indien est à la recherche de partenaires industriels…

In January 2008, after the FDA warned of the serious risk such medicines pose for children younger than two, pharmaceutical firms stopped marketing them for that age group. American pediatricians welcomed the move, although they would like to see it extended for children up to the age of five.

Studies have shown that despite the billions of dollars spent every year in this country on over-the-counter cough syrups, most such medicines do little if anything to relieve coughs, and they can cause serious side effects.

Over-the-counter cough syrups generally contain drugs in too low a dose to be effective, or contain combinations of drugs that have never been proven to treat coughs, said Dr. Richard Irwin, chairman of a cough guidelines committee for the American College of Chest Physicians.

However a small amount of honey may just do the trick.

A study by researchers from Penn State College of Medicine involved over 100 children with coughs between the ages of 2 and 18. Before bed, the children were given honey-flavored cough syrup, honey or nothing at all.

Parents of children who received the honey rated their children's sleep and symptoms as better, and noted improvements in their own sleep as well.

The researchers noted that the type of honey may be important. The children in the study were given dark-colored buckwheat honey, and it's known that darker honeys have more antioxidants than lighter honeys.

Note: Pediatricians do not recommend giving honey to children under 1 year of age because of the risk of botulism spores.

http://www.timesonline.co.uk/tol/life_and_style/health/article2994822.ece, http://www.msnbc.msn.com/id/10777506/, http://www.reuters.com/article/healthNews/idUSWRI37851120071203

I continued my searching efforts, finding ideas like:

• Decorating the underside of your toilet seat with stickers so your child will use the toilet.  Still not my people...
• Building and decorating an “outhouse” for use with your child’s toilet seat. Definitely not my people!
• Using decoupage to decorate the toilet seat for your child. What the hell is decoupage and who has time for this shit?!?

Finally, I typed in “my son used a whole roll of toilet paper help!”  Result?  I came upon this blessed woman who’s tip using Dawn dish soap worked beautifully.

Don’t get me wrong. I have nothing against the parents who are “Not My People.” I just don’t understand them. And sometimes their incessant perfection makes me feel like an inadequate parent.

My husband’s sister is NOT one of My People. She has TWINS the same age as my son. Last summer, while I was lamenting the terrible twos, she replied, “I call them the wonderful twos!” While she was gallantly rescuing her toddlers from a 12 inch fall onto the grass, I turned around to see Geronimo standing on top of their playscape (5 feet off the ground, mind you) grinning and ordering my husband to catch him. While she was cutting hot dog slices into quarters for her kids, my son was walking around with a whole hot dog in each hand, because HE COULD DO IT HIMSELF.

We live in a community I’ll refer to as Stepford. Perfect moms… with perfect kids… and their perfectly decorated toddler outhouses. My house? While I was fixing the toilet problem with the miracle of Dawn dish soap, Geronimo was decorating my husband’s new laptop with a Sharpie. (Google solution #2 of the evening - acetone will remove permanent marker from a laptop WITHOUT damaging the finish.)

So I’m starting this blog as a place for not-perfect-parents of not-perfect-kids to share ideas on how to solve our not-perfect-problems.

Welcome and enjoy!

~Annabelle

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McCain plan:
WASHINGTON - John McCain's proposal to buy up bad home mortgages would use nearly half the $700 billion from the recent Wall Street bailout package to assist Americans directly, instead of indirectly by rescuing the nation's financial markets.

The Republican presidential candidate announced during Tuesday's debate that he would order the federal government to spend $300 billion in federal funds to buy the mortgages and allow financially troubled homeowners to keep their houses.

Democratic nominee Barack Obama last month sounded a similar theme, proposing that the government consider taking such a step.

But McCain's approach was far more categorical.

"I would order the secretary of the Treasury to immediately buy up the bad home-loan mortgages in America and renegotiate at the new value of those homes — at the diminished values of those homes — and let people be able to make those payments and stay in their homes," he said.

The proposal, which he called the American Homeownership Resurgence Plan, is as much a policy plan for the future as it is a political tactic for the present.

The economy has been a key factor in helping Obama pull ahead of McCain nationally and in key battleground states. What's more, Americans reacted with helpless outrage at the need for a $700 billion rescue for the country's financial institutions.

At least McCain was aware of the help offered by the Government to assist distressed home-owners in danger of foreclosure and was able to verbalize in consecutive sentences detailing the program he has in mind. Rather than listening to another one of Obama's off putting stump speeches <snooze alert> couched in ....ouuuu....-and-ahhhhs.....ahhhhs... until he finally arrives at a point of interest.

Apart from the expected barrage of distortion from McCain, who is obviously getting desperate and the mild responses from Barak, I must say that there is one important issue both candidates seem to be totally ignorant about; that is the reality of small business operations and how this relates to taxes and tax credits.

Namely it is the fact that if you are running a small business and are barely making ends meet (for example you may just be able to cover your payroll), it is very likely that you have little or no taxable income. This also means that all the tax credits in the world are not going to help you. You can only benefit if you are making a profit and owe taxes to Uncle Sam.

Tax credits were created to influence the behavior of profitable businesses in good economic times. In a time of economic trouble such as the one we are in, I would submit that the tax credit philosophy is ineffective if not irrelevant. We need financial incentives of a different nature, governmental actions that help companies break the surface and acquire some semblance of financial stability. Things like access to low interest or no interest short term loans, loan guarantees or cash payments for doing things like hiring people and investing in alternative energy production. These types of moves would help keep unemployment low and shore up the tax base for the Federal and State governments in the long run. So my suggestions to both candidates is to include at least one small business owner in their cast of big time corporate strategists, someone who understand the reality facing the small business community

For the overall economy there are some short-term impact solutions which we can take, with short and long term benefits.

1. Have a “recall” of all the execs whose businesses are being bailed out by our tax dollars and force them to refund the government for any bonus pay and golden parachutes they received over the last 12-18 months; they obviously don’t deserve the compensation. By the way this is perfectly in line with the capitalistic principle of “merit pay”.

1. Subsidize (based in part on ability to pay) the installation of solar heaters and photovoltaic systems on the roof of American homes and businesses. Again a tax break is only going to help the most affluent of us and actually increases the gap between “haves” (who would be getting the tax credits while reducing their energy bills) and the “have nots” ( who will be stuck with no money and higher costs). For the purpose of reaching energy independence it makes no difference who installs the systems, why not make it possible for all Americans to do so? This is an investment with 20-25 year return, a much better idea than giving people $600 or $1,200 payment s they can go out and buy some Chinese-made product (that was an asinine idea, if you ask me). The solar systems are made in America and installed by American labor and they benefit our economy.

Bottom line is we have got to get through to our leaders and would-be leaders to make sure they do what is right for the county’s economy, not just throw money at the problem.

Finally, another product of last night’s debate, besides my hang over with Joe, is the realization that we have spent in IRAQ just about as much money as it has been allocated to bail out the entire country ($700 plus billion); isn’t it time to call it a day there?

McCain keeps talking about winning and losing in IRAQ. As far as I can tell we already lost, from the day the administration decided to invade the country. We lost thousands of our own people, we have thousands more that are going to be scarred for life and killed many more Iraqis; many of them innocent bystanders. The talk about victory is insane. Can someone ask McCain and his supporters to define “VICTORY” in IRAQ? I never heard him do that; do you know why?

I can speculate that he means the establishment of a democracy in IRAQ (good luck). If this is the case, isn’t it also the case that a democratic regime would give control to the Shiites, who are the majority of the people in IRAQ and are historical allies with the other large Shiite population in IRAN?

Is McCain’s “victory” in IRAQ tantamount to handing the country over to the IRANIANS? Can someone please ask the Senator?

It is time to come clean with the American people. Senator it is time to S… or get off the Pot. No more lies and deceptions, please

• Get all the facts
• Weigh all the facts - then come to a decision
• Once a decision is reached, act!
• Analyze the problem:
  • What is the problem?
  • What are the causes of the problem?
  • What are the possible solutions?
  • What is the best solution?

Worry a little bit every day and in a lifetime you will lose a couple of years. If something is wrong, fix it if you can. But train yourself not to worry. Worry never fixes anything.” - Mary (Mrs. Ernest) Hemingway

by Dale Carnegie

We also believe worry is a preliminary form of fear. The more you worry, the more you fear. Then, how to control your fear? Our graduates knew and even experienced this themselves! Come and find out in our upcoming training.

The questions were almost all excellent and pointed and really got to the heart of the things that the voters want to know from these two men and to some degree they were answered but too often the heart of a question was ignored. I would love to hear how McCain plains to achieve peace with something other than the military or economic sanctions which amount to a war on the common person by denying them medicine and food. I would like to have some insight into how John McCain integrates new pieces of information into his thought process because from the looks of it he hasn't changed an opinion in a long time. We've just suffered through 8 years of a president who couldn't deal with constructive criticism and we can't afford 4 more.

Obama was good for the most part and he tried to hit back but was somewhat limited by the format. I hope that what is being whispered among the few paying attention to Pakistan is correct and that is that Obama's discussion of strikes is more political posturing than an actual plan because we can see from what the Bush administration has been doing for the last two months there that such tactics only enflame militants and drive regular people into their ranks. And it does nothing to address the real problem in Pakistan which is the multiple factions vying for control. Until that issue is resolved you don't even know who you're bargaining with.

McCain consistently misrepresented Patraeus's position on Afghanistan and Obama should have hit him harder on that but the pundits will get around to it no doubt. The problem is I don't think that Obama's strategy of simply shifting the focus from Iraq to Afghanistan is a solid one either. We clearly are in desparate need of a new approach in the region and that was not articulated tonight. Obama realizes that the same strategies aren't going to work but he hasn't suggested any different ones.

As far as who won I will give this one to Obama by quite a bit but as I said it matters little when the questions, GOOD questions, from citizens no less, are ignored in favor of repetition of sound bites. People want details and if you won't give them to them then how can you expect their vote? I'm very frustrated with this whole situation right now. The entire event is a farce. A real debate would have more than those two men on stage. Grrrrrrr.

Instead, join with me in a refreshing look at someone who could bring real change to our country. Someone we can relate to, cry and laugh with. Someone who could lead circles around McCracist and what's her name..... enjoy.

..........

Bought new tennis shoes — navy Chuck Taylors. Because Converse shoes make my feet even longer and skinner than they already are, I bought a size a little too small.

Bad news: Size too small = biggest blister imaginable

Good news: To stretch out tight shoes, stuff them full of newspaper for a day or two. If this doesn't work, buy a shoe stretcher.

..........

Procrastination has been coming after me lately. My exam scores are reflecting it.

Bad news: Too much time wasted on computer = bad grades

Good news: I found a desktop timer for Macs from baldgeeks.com.

..........

The weather has been beautiful lately. I love driving with my windows down, sunroof open and music turned loud.

Bad news: Sunroof was left open for a few days, raining for the past day = soaked interior

Good news: Well... not much for me, because from what I've read, the smell and problems will only get worse.

But mop up all the sitting water. Dry the interior with a hair dryer and air out the floor mats. Sprinkle baking soda into the carpeting that smells musty. If this still doesn't work, leave an odor absorber such as baking soda or a cup of charcoal in your car.

A storm front moved through last evening. It came around the time for the sun to set on the horizon. This allowed for wonderful shades of orange and blue with the natural beauty of trees to frame the dramatic changes ...

It's time to start living the life you've imagined. ~Henry James

I know you've been waiting with bated ( not"baited" CNN reporter person, as in "abated" or withheld. When are they going to offer me your job because even with my crap spelling I can get most of the grammar right. Maybe you should be working for Fox News) breath for this announcement.

I know who I'm going to vote for. I decided last night while watching the political ads on T.V. I will vote for every candidate, regardless of party affiliation, who effectively and completely smears or degrades their opponent.

This is my reasoning.

First, if one is willing to expose every dirty little secret of an opponent in order to win a job in which one will undoubtedly be hated by a majority of the people in a state or throughout the country, you have the kind of balls we need right now.

Secondly, if one is the kind of person who can take innocent friendships and turn them into sinister affiliations that stop just short of canoodling with the Devil himself, well that takes a great deal of creativity, which we also need. Any President can clandestinely re-write the Constitution. It takes real commitment to creatively change someone's background right out where people can see it.

Lastly, if  one is willing to lay all the blame on the shoulders of another person and repeatedly call them a liar until people believe it without question, then one has the kind of superficial charm we the people have been searching for. And if one can do it with out mixing metaphors or making verbal gaffes that cause the world wide web to post them to YouTube on the comedy channel, you are our man or woman.

So there you are: Balls, creativity and just enough charm to make it all go down easier. These are the characteristics our government has been lacking for eight years. And I am willing to help make sure they again rise to the top of the dung heap we call American Government.

Join me won't you, in ensuring that every smarmy, soulless bastard with a seven figure income and no idea how public transportation works leads our Country back to the glory days.

Amen.

Dogwoman

In fact it has been bothering me so much that I have finally taken the time out of my busy life to sit and think about what I would do if I were to loose my job or have to take a pay cut etc. In fact I asked myself what I wanted to do in life. To me that is HUGE.

So I started off thinking. For those who have managed to find yourself reading this post I am a software engineer with an MS in Computer Science and have been working in this field for the past 6 years. My area of expertise lies in ASP.NET/C# and SQL Server. In the past 6 years I have played various roles from team member to technical lead and having worked in small sized teams I have always been involved in every phase of the development life cycle directly.

Most of my peers have headed off to become project/product managers. It seems like that is what everyone in my position is eyeing these days. The super-ambitious have headed off into the entrepreneurial world. And I am still right here ... asking myself "What do you want to do? What do you want to be 10 years from now?"

My options as I see it are:

• Train myself for a Project Manager position that will eventually lead in to middle management positions.
• Train to become a Technical/Solution Architect and eventually become an Independent Technical Consultant (at the architect level)
• Go back to school for an MBA that will put me into management positions later.
• Keep looking for that big idea and start my own company.

These options basically tell me that I have to look way deep into myself and ask some questions relating to my personality. A few that come easily are:

• I have always put family before career but when required will I be motivated and ambitious enough to reverse my priorities?
• Am I a creator/implementer or am I a manager?
• After 2 master's degrees do I want to go back to school?
• Am I a risk-taker?
• In a pool of techies I know that I am easily an above average communicator but where do I stand in a pool of managers/MBAs etc.?
• Should I get into e-learning? I do have my second Masters in Educational Tech. so I am not a stranger to that emerging field.

If you are or have been in a similar situation I would love to hear your comments. I would be particularly interested to know on the approach you had taken to resolve this issue in your career.