Money Affirmations

Affirmations are statements that you want to be true. They are not new - in fact they have been used by successful people for centuries. They have helped many people achieve extraordinary results in their lives. Affirmations are the best way to reprogram your mind for ultimate success. Start using money affirmations daily to attract money.

Affirmations don't have to be long and complicated because if they are - you'll never remember them. Use the affirmations frequently. Repeat affirmations to yourself, over and over again until they become beliefs. You will then start behaving as if you are confident and competent because your mind will have accepted it as a new belief.

To eliminate the fear of not having enough money, say affirmation and pay your bills with positive money affirmations. This will help you to change your negative thoughts around bills. Repeat you money affirmations with passion, the higher your emotional state as you say them, the more effective they are.

Affirmations must be in the present tense. Never include the words no, not, or don't in an affirmation.

It's important to keep affirmations positive and interesting. Adjust them from time to time to eliminate boredom. Have fun with your affirmations.

The biggest challenge is remembering to say your affirmations daily. You can write your money affirmations on Post-Its and post them where you will see them frequently. Place them on your desk, in your car and in the place where you pay your bills. Place a copy of your affirmation on a mirror you use in the morning and at night. Each time you look in the mirror, read your money affirmations.

Here are some examples of money affirmations:

I always have more than enough money to meet my needs.

I receive a continuous flow of prosperity in my life.

I am a rich person.

I am wealthy.

I am prosperous.

I am a money magnet.

I pay my bills and other expenses more easily every month.

Use your affirmations to attract money while waiting in line or in traffic, every time you think about it, in the morning or / and before you go to bed.

Combine your money affirmations with daily visualizations and it will help you manifest your dreams much faster.

To your success,

Susan Gray

Personal Loans and Lines of Credit

Personal Loans

Normally, a personal loan is unsecured meaning there is no collateral. When you obtain a personal loan, you borrow an amount of money for a set period of time and pay interest on the outstanding principal balance. Personal loans are often acquired to make a specific purchase, such as furniture, major appliances, consolidate other high interest loans into one monthly payment (debt consolidation), home improvements, and income taxes. Most personal loans are obtained from a bank, credit union, or savings and loan, and have a fixed term. If you make the regular payment each month, you will eliminate the debt within the term of the loan. Because personal loans are unsecured, you typically need to have good credit, unless the loan is a "payday loan" which is secured by a post-dated check and is normally granted with out any sort of credit check.

Personal Lines of Credit

A personal line of credit is a common alternative to a personal loan. When you apply for a line of credit, the lender establishes a credit limit which is always available to you. They are used just as a credit card would be used and typically used for unexpected expenses. You can pay off the balance each month to avoid interest charges and keep the credit line open for future needs. You may borrow what you need, as you need it, in any amount, as long as your outstanding principal balance does not exceed your credit limit. If you reach your borrowing limit, you can pay down the balance and then borrow more. Personal lines of credit are usually unsecured. Typically, there is no fixed repayment period as long as you make the minimum monthly payments and interest rates are normally lower than credit card rates. If your line of credit is with a financial institution, you likely access it with a check, a debit card, or a withdrawal slip. In most cases, banking institutions will link your line of credit to your checking account (often called an overdraft line of credit). As with personal unsecured loans, credit lines are easier to obtain if you have established credit.

What is Universal Life Insurance?

Universal life insurance is a form of whole life insurance, but the premiums are more flexible and the benefits are more adjustable. Some insurance experts suggest that only those individuals seeking life insurance coverage into their 70s or beyond should purchase universal life insurance. Before you decide whether or not a universal life insurance policy is right for you, consider the following information.

Flexibility. Universal life insurance is more flexible than whole life insurance. You can choose the amount of coverage you need, as well as adjust your coverage based on your changing insurance needs.

Savings. Universal life insurance has a tax-deferred savings component. Interest is earned at the insurance company's interest rate and credited to your account each month.

Options. Universal life insurance policies offer a variety of options such as family coverage (such as adding a term life insurance rider for your spouse and children), waiver of monthly premiums due to disability, and guaranteed insurability.

Loans and withdrawals. You can take policy loans or make withdrawals from your universal life insurance cash surrender value. However, the amount of unpaid loans and withdrawals at the time of your death will be deducted from the cash benefits your beneficiaries receive. The number of loans and withdrawals you can make each year may vary from company to company, so make sure to ask your life insurance agent.

Charges. You may be charged for making withdrawals or surrendering the account value of your universal life insurance. However, note that if you surrender, you will still get the full amount of the account value minus the charges and any unpaid loans.

Death benefits. Universal life insurance has tax-free death benefits, and most life insurance companies offer more than one option for death benefits. You can choose a policy that allows your beneficiary to get the basic amount of life insurance, or one that provides the amount of life insurance plus the account value.

Getting a Suitable Ant Farm Game For the Kids

Ants happen to be the favorite pets for some people. They love watching them work out and reproduce inside a containment area, usually an ant farm. Both classic and modern ant farms are available in the markets. An Ant farm game comes in various styles as well. If you do not want to buy your kids the real thing, then you can go for the game option. These games are good for your children's memory development. All a child has to do is to chase their vividly colored ants from one chamber to another.

His or her goal is gathering all the ants and bringing them back to the queen. Note that each game is different and thus has its separate rules or instructions for playing. Most games are challenging enough and therefore they prompt fun and excitement among children. In addition, games have separate or different age groups. For instance, some are for five year olds or older children. Once you buy any of these items, the next essential step to make is guiding your child how to play.

Some games are even good enough for adults. These ant games offer adults more options that make any playing experience very demanding. For example, some games make you the anthill manager. They give you a chance to pick the types of ants you want and each one of them has a role to play in the game. As the manager, you have to make these ants play their roles so that you can win the game. As mentioned above, an ant farm game is not one. They are very many on the Internet.

All you need to commit is your time. Make sure you search the net thoroughly so that you can finally pick the software you want. Another thing you should know is the fact that the game might have varying levels. If games that have many levels excite you, then all you have to do is to search for them. In case you want to surprise your child, you cannot avoid conducting a good research too. This would help you find out what all the other parents are buying for their kids.

A great game has perfect graphics, sound and other features. What's more, it is user-friendly so that your kids can enjoy playing it. This explains the reason why you must really understand each product you want to buy. Do not just assume that any ant game would excite your babies. Although free downloads are available online, it is important to buy your child its personal game.

This is not a problem because these items are not at all expensive. Everyone can afford to buy a perfect item for his or her child. One thing you want to focus on is the vendor. Ensure that your vendor is trustworthy enough to honor your order, as you want it. Do not ignore the fact that some vendors are not worth your trust. If you have to download freely, just do it, but know that you cannot do anything to play the ant farm game game if it simply cannot function in your computer.

Eating Foods That Contain Estrogen, Primarily Soy, May Reduce Menopausal Symptoms

Scientific research concerning plant foods that contain estrogen (referred to as phytoestrogens) is still in the preliminary stages. Most research concerning estrogens and red clover isoflavones (a type of phytoestrogen) has been performed using laboratory animals. As with hormone replacement therapy, plant foods that contain estrogen are the subjects of much research and some debate in the scientific community. Here we look at some of the most recent research, on both sides of the debate.

Red clover is a plant that grows throughout the world. It was a food source for humans, at one time, but is primarily grown today to feed livestock. It has many uses in herbal medicine, including the treatment of coughs, bronchitis, eczema, sores, mouth ulcers and sore throats. Isoflavones, a type of plant estrogen or phytoestrogen, isolated from red clover are included in many natural remedies for menopausal symptoms.

Scientific research concerning plant estrogens and red clover is in the preliminary stages. The School of Pharmacy in Messina, Italy recently published two separate studies concerning estrogens and red clover. In both, laboratory animals were studied for the effects of decreased estrogen production after removal of the ovaries, in order to mimic the effects of menopause.

The first focused on osteoporosis, which is bone loss that is often found in menopausal and postmenopausal women. The study found that animals that were fed red clover had less bone loss than animals that ate their normal diet. The researchers' conclusion: "These findings suggest that red clover isoflavones are effective in reducing bone loss."

The second study focused on the skin. Many symptoms may accompany menopause and are believed to be associated with decreased estrogen production. The skin tends to become dryer, thinner, has less moisture and less collagen. These skin problems show up in female lab animals, just like they do in women. In this study the researchers concluded, "These findings suggest that red clover isoflavones are effective in reducing skin aging induced by estrogen deprivation."

Research concerning foods that contain estrogen focuses primarily on soy isoflavones. The health benefits of soy is the subject of some debate, but the majority of the scientific evidence indicates that replacing high fat red meat with soy products is good for the heart, may reduce cholesterol and may prevent some types of cancer. It is a good source of omega-3 fatty acids, protein and carbohydrates.

Soy isoflavones have an estrogen-like effect on the body. On the plus side, this means that isoflavones may relieve some of the symptoms that typically accompany menopause, such as hot flashes and night sweats. On the negative side, some experts fear that isoflavones may increase a woman's chances of developing breast and uterine cancer. These types of cancer are seen more often in women taking hormone replacement or estrogen replacement therapies.

The research results are mixed. One long-term study of Japanese women concluded that women whose diet was high in soy were less likely to develop breast cancer than women who did not eat soy. Of those women eating soy who did develop breast cancer, their survival rate was better. As with most things, genetics apparently plays a role.

Researchers have learned that some women have a genetic predisposition to suffer numerous menopausal symptoms. Likewise, it is clear that certain types of cancer, particularly breast cancer, occur often in some families, but not at all in others. Regretfully, there is no way to predict, with any certainty, how a woman's body will respond to the changes accompanying menopause, nor to adding plant foods that contain estrogen to the diet. The safest advice for women who have a history of breast cancer in themselves or their family is to avoid estrogen in all its forms, until scientific research can give us better guidelines.

Build Easy Woodworking Projects For Your Outdoors

When building your easy woodworking projects for your outdoors it is always best to have some sort of diagram or step by step guide on all of the "how to's" from beginning to end. Depending on the type of design that you are looking for you may be able to find a ton of woodworking plans online for free. If you are looking to make a ton of projects there are some guides that you can find online that have hundreds if not thousands of plans that will guide you from beginning to end.

The Web may be a good place for woodworking info, tips, advice and free plans. You will realize simple bird house plans to fancy home furniture. You are sure to find the project you are wanting for by doing a search. Plans will help you build your project a whole lot easier for the beginner or professional woodworkers. You may also notice books with comes and plans at your native library or bookstore. Woodworking magazines are also a nice source.

If you are a beginner woodworker, starting out with easy outdoor garden projects is a great approach to make up your woodworking skills. You will start by learning how to read easy plans and move to additional difficult ones as your skills get better.

Seek for plans that are detailed and have step by step illustrations. The plans you are using ought to contain a fabric list. Having a material list will make it so much easier when building projects and it is also a way to estimate the price of the project. As you become more knowledgeable you'll be able to begin sketching out your own plans.

If you are trying to find a replacement hobby, woodworking has its rewards. Starting out with easy woodworking projects may be a great way to build up your carpentry skills. By looking at illustrated plans you'll be ready to create nice looking projects. As you get better at reading plans, and using tools, you will build a lot of advanced projects.