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.

The Ups and Downs of Dedicated Server Hosting

Getting your own dedicated server for your business is a great idea if you are interested in security, being the only business on the server, eliminating potential server problems, and have a budget that includes a substantial monthly fee. If you have a busy commerce website and a lot of visitors, then a dedicated server is probably your best bet, not to mention completely secure. However if you have a smaller site, with less traffic, and a low budget, you should wait until your budget grows as well as your website to use a dedicated server. Consider the following points to help you learn more about the ups and downs of dedicated server hosting.

Ups

Dedicated server hosting is beneficial because you know you are the only one using the server and it is 100% dedicated to your website and information. Shared web hosting is less expensive, but also less secure. If you have your own server your information will be safe and secure and you will not have to worry about security breaches.

Avoid server problems due to others sharing the server, submitting bad information that affects the server, and ultimately you in a negative way. With your own dedicated server you will only deal with your own information. The actions of others on the server will not affect you because you are the only one on the server.

On your dedicated server, you install and use the information and software you need. Space is not taken up for software and programs for other users that you do not need.

With a dedicated server you have less reliance on your Web host and as a result you will save any delays that might occur as well as money that you would possibly lose from being offline.

With your own dedicated server you will be able to offer support to your clients 24/7 if you so desired. This is not an option on a shared server and is a worthwhile benefit to many companies considering a dedicated server.

Frequently increased income is a result of using a dedicated server because you will be able to make changes, assist clients at any time of the day or night which means you make additional money. When you have control over your server you put the power in your hands instead of someone else's.

A dedicated server is faster as well and your web pages will load significantly quicker, which means people will stick around to see what your site is about. With a shared server it might take longer for your site to load and people won't wait for this.

Down

The one major drawback to dedicated server hosting is the price. It is more expensive than shared hosting and as a result not an option for many people.

Discount Digital Cameras

Digital cameras are the hottest tools of excellence enabling you take photos and share them almost instantly with friends and relatives these days.

Low prices, more value

A digital camera is one capable of storing images in digital format and unlike non-digital camera, doesn't store these images on film. Armed with a digital camera, you can take photos endlessly, cheaply and quickly as you don't need to process any films! How do you get a discount digital camera?

Finding Digital Cameras

A good place to start is search engines. Just key-in "discount digital cameras" on Google or Yahoo and you're sure to find sites offering digital cameras at discount rates. If that doesn't work, you could try bidding on cheap, used digital cameras on eBay where you just click on the camera you want by categories presented there. Wal-Mart and Kmart are two big stores that should make your search easier. Pay them a visit, too for their season discounts. Try checking weekend sale adverts or on special coupons or inserts in your daily paper especially after holiday seasons, a time when most people dispose of their electronic goods.

Using Your Discount Digital Camera

You've finally purchased your discount digital camera and you want it to serve you longer, right? Then be careful how you use it. Don't forget the saying 'cheap is expensive'! Don't change devices on your cheap digital camera. Substituting your friend's memory card with yours is a sure danger to your camera, even if done once. Her device probably doesn't following the same numbering sequence of photos as yours. If you have to do this, first download all files to your computer then format your memory card whilst inside the friend's camera.

You may lose your memory card for your digital camera with use of low batteries to power it. When your digital camera isn't powered sufficiently, you risk losing information from your memory card.

So you've been taking photos all weekend during parties? Please don't overfill your card! Pushing too much information on your camera's memory card will corrupt the file system. As much as possible, avoid deleting or formatting pictures. Some digital cameras may write 0s from beginning to end of the card, in the process deleting data you never intended to. As well, why pull the card out while your digital camera is accessing it? a camera may not be able to recover from a poor shutdown mode so don't try it. Be patient and let it finish before taking out the card either from your computer or camera.

Finally, Shop Smart!

What Investments Have the Best Return - Picking the Right Stocks to Invest In

When it comes to the question of what investments have the best return, with particular reference to investments in the shares trading portfolio, there is a very simple formula to employ in order to put yourself in the best possible scenario for maximum profitability.

Before the actual formula of picking stocks is explained, it must be said that every single thing on this earth involves risk, so nothing is foolproof or even full proof. Every thing has some element of risk to it, particularly the world of shares trading but, it is how you choose to minimize that risk which could set you apart from the crowd, possibly accounting for your resounding success.

You are probably familiar with the process of shares trading but, in case you are a complete novice, I am going to touch on the basics a bit, just to bring you up to speed with the technicalities behind shares trading so that you do not get confused when the formula is explained.

Shares trading is relatively simple and it is a popular way of making money these days (and losing money, it must be said). What you essentially do is sign up with an accredited shares trading broker, who can legally represent your trades, with whatever stock exchange the shares to be made available, will come from.

You then fund your shares trading account and make use of trading software to make your trades. If you think the stock price of Company X is going to up, you can buy a certain number of shares of that company, either from the company itself, or from a willing seller who thinks the share price is going to go down, or if they need the money for something else.

Say you bought 10 shares of Company X, at $50 per share. A certain time later (five hours, three weeks, two months, a year etc), each share now costs $55, which is an increase of $5 per share or 10%.

Since you bought 10 shares, you have now made earnings of $5 times 10 = $50. So, now your balance stands at $100.

If you make a bad call it obviously goes the other way and you lose money. You can buy different shares at different quantities, to consolidate on your risk or strategically buy with the aim of maximum profitability, which is ultimately why people go into shares trading as an investment route.

Now that you have a basic understanding of how shares trading works, I am going to get into a formula which you can use to pick shares, so as to have the best chance of making some good money.

In choosing shares to invest in, you will firstly want to choose them with a long-term view. Even if you are in it for a short time (as a trader instead of an investor), think about how that share might do over periods of up to five years.

Next, go for shares that are relatively low risk -- those that cater for basic human needs that will always be a part of life.

What do humans need -- humans need food (and water), shelter and possibly transportation. Picking stocks of companies that cater for these needs is a way to go and has proven to amass steady growth, so you might go for a health foods company, a construction company as well as a transport and telecommunications company.