Archive for November, 2007
Thursday, November 29th, 2007
Welcome to the November 28, 2007 edition of e3 carnival of health and wellness.
Claudia Juarez presents Free your heart from worries posted at Reach your FULL POTENTIAL.
James Chambers presents Types of Hyperhidrosis posted at Hyperhidrosis.
Roger Haeske presents Works Better Than Coffee To Wake You Up? Completely Natural posted at Raw Food Diet, Bodyweight Fitness and Peak Performance Living.
Andrew Edgington presents Social Implications of Drunk Driving posted at Stop Drinking Advice, saying, “A.A related articles to help people make the right decisions in their life.”
Stanimir Sotirov presents What is Pilates? posted at All About Your Body And Spirit, saying, “What is Pilates?What can it do for me?What principles should I know if I am to master Pilates?”
Anna presents 5 Reasons to NOT Circumcise posted at Our Family Village.
Matthew Spears presents Breaking through the chains of identity posted at Loving Awareness, saying, “Having a strong identity is greatly emphasized in this culture. We have expectation upon expectation placed upon us. This article explores what identities are, how they’re limiting, and gives an exercise on how to move beyond some limitations.”
James D. Brausch presents Does Rice Make You Fat? posted at Weight Loss Dude.
Edith presents Life is not a Race posted at Edith Yeung.Com: Dream. Think. Act..
David B. Bohl presents Beware of Healthy Restaurants posted at Slow Down Fast Today!, saying, “Feeling a little stuffed after your Thanksgiving meal?
Still cleaning up the dishes?
Don’t feel like cooking today?
Be careful if you decide to dine out.”
Paul Heingarten presents The Pilates Power System posted at Workoutebooks, saying, “The Pilates Power System gives you the history of Pilates and teaches you everything necessary to safely begin the system at the “Beginner’s Program”, while measuring your progress through to “The Core Program” and maintaining your new body with “The Advanced Program”.”
Warren Wong presents How To Feel Better And Be Happier posted at Personal Development for INTJs, saying, “Some practical tips you can use now to feel better and be happier.”
Cocoy S. Rambuyon presents Quick Tips In Finding A Perfect Home & Office Online Based Opportunity posted at COCOY S. RAMBUYON.
Christine presents Hot Orange Juice and Honey for the Holidays! posted at Me, My Kid and Life: An American Single Mom Living in France, saying, “This is a great, simple, sugar-free, all natural recipe that is perfect for the holidays! It’ll put a smile on the kid’s faces and warm your soul!. The perfect holiday dessert drink for you, your kids and your friends refraining from alcohol.”
Michael Howes presents Why You Should Train Like an Athlete posted at Hot Body Training, saying, “This article explains why you should be training more like an athlete and less like a bodybuilder/ fitness competitor to get a sexy, functional and powerful body.”
ananga presents What if I’m Too Tense to Relax? posted at Ananga Sivyer’s Living by Design Blog.
Alex Marlin presents My Top 10 Personality Improvement Tips posted at Life Improvement Tips For Thin and Small People.
Stanimir Sotirov presents The Power of Herbs:Aloe Vera posted at All About Your Body And Spirit, saying, “Aloe Vera is used in many skin care products due to its incredible effect on the skin,but it also has many internal effects like healing ulcers and more!”
FitBuff presents What is MRSA? Symptoms and Prevention | FitBuff.com’s Total Mind and Body Fitness Blog posted at FitBuff.com’s Total Mind and Body Fitness Blog, saying, “What is MRSA? You’ve probably seen the recent headlines about this menacing “super bug” ravaging through hospitals, gyms, and even schools.
So, what can you do to prevent it? It’s easier than you might think…”
Health Chaos presents Do We Really Need These Drugs? posted at Health Chaos.
That concludes this edition. Submit your blog article to the next edition of
e3 carnival of health and wellness
using our
carnival submission form.
Past posts and future hosts can be found on our
blog carnival index page.
Technorati tags:
e3 carnival of health and wellness, blog carnival.
Posted in Health and Wellness | 1 Comment »
Thursday, November 29th, 2007
Welcome to the November 27, 2007 edition of e-3 carnival of success principles.
David presents Success Momentum posted at Worldwide Success.
iamstr8fire presents 5 Powerful Methods to Clear Your Mind posted at Do It Light Do It Right Do It Wrong Do It Long.
Terry Dean presents 80/20 Rule In Time Management posted at Integrity Business Blog by Terry Dean.
Wanda Grindstaff presents Success Through Service, the Most Important Component! posted at Creating Abundant Lifestyles.
Claudia Juarez presents Free your heart from worries posted at Reach your FULL POTENTIAL.
Ron Ruiz presents Stay-At-Home Mom Creates Million Dollar Product posted at The Business Ideas-Making Money Blog.
Robert Phillips presents Get More Traffic Automatically posted at CYBERCA$HOLOGY.
Richard Lee presents Your Product Idea Incubator posted at Richard Lee.
Christine presents The Dollar Drops Again! How the Exchange Rate Affects Travel. posted at Me, My Kid and Life: An American Single Mom Living in France, saying, “Thinking about how you spend before you travel so you don’t need to think about how you spent once you’ve returned home.”
Miami Phillips presents How Often Do You Change? posted at Miami Phillips - About Happiness.
Tina Su presents 5 Keys to Simplifying Any Concept posted at Think Simple. Be Decisive..
GreatManagement presents The Rest Of The Company Does What? posted at The GreatManagement Blog, saying, “If you were to join the James Dyson Company, within your first week, if not first day, you will build a vacuum cleaner. This is whether you are an accountant, call centre operator and or any other job at Dyson’s.”
David Kam presents Psychological Effect of 99-Cent posted at MarketingDeviant.com.
James D. Brausch presents Get Out Of The J.O.B. Trap posted at jamesbrausch.com.
Ed Rivis presents 4 Steps to More Sales in 7 days or less. posted at Ed Rivis.
Thomas D. Brownsword presents Where I Am, Where I Am Going, And How I Will Get There posted at Business Action Steps.
Edith presents 9 Essential Tips to Get the Most Out of Trade Shows, Conferences & Seminars (Podcast) posted at Edith Yeung.Com: Dream. Think. Act..
David B. Bohl presents Is it Time to Turn up the Heat in Your Life? posted at Slow Down Fast Today!, saying, “The inspirational message contained in the clip is that one extra degree of effort, in business and life, can separate the good from the great.
The premise is a great one.”
Warren Wong presents How To Feel Better And Be Happier posted at Personal Development for INTJs, saying, “Some practical tips you can use now to feel better and be happier.”
Alex Marlin presents My Top 10 Personality Improvement Tips posted at Life Improvement Tips For Thin and Small People.
Jeet presents Success Inspires, So Look at Successful persons posted at Thoughts and Senses.
Ivan Rios presents How to Win Negotiations By Seeking Differences posted at artofleading.net.
Doug Boggs presents Things change… posted at Boggs Development Group, LLC, saying, “Things change to what we focus on. What we give attention to is where the energy of our efforts will gravitate towards and create.
If you did not read the newspapers to know the daily affairs of Britney or Bush, would life as YOU know it continue or halt? Is Britney an integral part of your life? Have you every met Bush or had dinner with him? Then does it behoove us all to pay such attention. If you didn’t watch, or listen to the News would life as you know if continue?”
Doug Boggs presents Your Cup Runneth Over posted at Boggs Development Group, LLC, saying, “When walking down the street, remind yourself to love people, not pick on them. Assigns light consequences to yourself if you starts to fret, replacing worries with positive thoughts. “This is the most important work you can do. “It’s like building the muscle of the mind. If your thoughts run you and you don’t manage them it is a bit like allowing your child to watch television all the time. We know how that turns out — inconsistent and most likely unhealthy.”
Once you introduce yourself to the storyteller inside your head, you can start working at last on the life and relationships your true self has long hoped to have. With effort, your cup may indeed begin to run over.”
That concludes this edition. Submit your blog article to the next edition of
e-3 carnival of success principles
using our
carnival submission form.
Past posts and future hosts can be found on our
blog carnival index page.
Technorati tags:
e-3 carnival of success principles, blog carnival.
Posted in Success Principles | 1 Comment »
Thursday, November 29th, 2007
Welcome to the November 26, 2007 edition of e-3 carnival of network marketing.
Sutocu presents Social Networking as a Marketing Model posted at Your Website Profit.
Mitch McDonald presents Free Reprint Articles: The Secret to Increased Site Revenue posted at FYI About.com.
Danogo presents The 2 Simple Ways to Get Your Website into Google Search Results posted at Danogo.com - Discover. Inspiring . Media, saying, “For businesses on a budget the inexpensive way to promote your site is right in Google’s search results.”
Wanda Grindstaff presents Success Through Service, the Most Important Component! posted at Creating Abundant Lifestyles.
Alex M presents Products to sell on eBay posted at We talk on making money on the Internet.
David Kam presents Psychological Effect of 99-Cent posted at MarketingDeviant.com.
Edith presents 9 Essential Tips to Get the Most Out of Trade Shows, Conferences & Seminars (Podcast) posted at Edith Yeung.Com: Dream. Think. Act..
Charles H. Green presents Greed in the Social Networking Space posted at Trust Matters, saying, “With it’s announcement that advertisers will be allowed to make “friends” of users, has facebook just shown how to destroy an online brand?”
Cocoy S. Rambuyon presents Quick Tips In Finding A Perfect Home & Office Online Based Opportunity posted at COCOY S. RAMBUYON.
Cocoy S. Rambuyon presents Can Blogging Really Generate More Visitors, Buyers?? posted at COCOY S. RAMBUYON.
Isabella J Mori presents Being social posted at Alphablogs, saying, “This post discusses the question, “What is social media?” and looks at just how social some of the social media blogs really are.”
That concludes this edition. Submit your blog article to the next edition of
e-3 carnival of network marketing
using our
carnival submission form.
Past posts and future hosts can be found on our
blog carnival index page.
Technorati tags:
e-3 carnival of network marketing, blog carnival.
Posted in Network Marketing | No Comments »
Wednesday, November 28th, 2007
There are probably millions of articles written about why you should have a workout partner. The list of benefits is long and exhaustive. Factors like exterior motivation, accountability, having a spotter, and that general warm and fuzzy feeling that only another human being can provide are just some of the many benefits of partnership.
Gym partnerships (like any other) have their drawbacks. Those things that should have you searching for a way out. Read on and ask yourself: Do I notice any of these things popping up in my workout? If so it may be time to dump your workout buddy.
You Know It’s Time to Dump Your Workout Buddy When…
Your Partner in Crime Starts Missing Workouts
Its nearly impossible to work out every single day. Life just doesn’t allow for it to happen. Every now and then a 2 or 3 day stretch may occur when your partner just can’t make it. That’s normal. A few weeks off is not. If you notice it getting out of hand separate yourself and continue making progress on your own. Don’t let your partner’s lack of availability kill your results.
Obvious Mismatch in Motivation
Inspiring others to achieve and reach new heights is a fun and rewarding experience. It always feels good to bring someone else’s spirits up and push them to a new level. However, it is a gigantic pain to work against someone’s lack of motivation every single day. Avoid wasting your energy on someone who obviously doesn’t want to participate and needs your constant nagging every single day. The energy you’re wasting being their personal spirit squad could be better spent on other things like….RESULTS!
Fitness Objectives Don’t Match
If you spend enough time in the gym you’ll realize that people work out for different reasons. Objectives range from a desire to lose weight, gain muscle, regain cardiovascular fitness, be able to play with the grandkids, or just say they are involving themselves in something physical.
Make sure you and your partner have the SAME objectives for working out. It’s hard to be workout buddies with someone who is trying to pack on the muscle while you’re trying to burn off 30 lbs. The objectives are too far apart and they spell disaster in the end.
If you find that your workout objectives have grown apart do yourselves a favor and part ways now. Your progress depends on it.
Your Partner Loses Focus
This is my #1 pet peeve about gym partnerships. An unfocused partner can delay your results by days, weeks, months, or even years. I may sound a little steamed about this one but its only because I speak from experience.
Here’s the story. About 5 months after I started working out seriously something strange happened. My chest began to poke out, my arms grew larger, and my shoulders were noticeably wider. Around the office people began to take notice. As my results became more self evident a group of friends asked to work out with me. Since I enjoy being a generous person I saw no problem with that and happily let them join…BIG MISTAKE!
They were the most unfocused crew of people I’ve ever seen in the gym. All they wanted to do was talk about women, yap about sports, take extended breaks between exercises, and crack jokes. I quickly grew from mildly amused with their tactics to annoyed beyond belief. Fortunately for me they soon quite coming and I was able to regain my focus.
If your workout partners aren’t focused do yourself a favor and part ways with them. Your time is precious. Treat it that way. Don’t let someone else’s lack of direction and focus hold you back. It’s nice to have other people along ONLY when the relationship is mutually beneficial. Unfocused partners have no benefit.
You Know It’s Time to Dump Your Workout Buddy When
- Your partner starts missing workouts
- There is an obvious mismatch in motivation
- Fitness objectives don’t match
- Your Partner Loses Focus
I know this article is contrary to what most people would say about workout partnerships. Believe me, not every partnership is a match made in heaven. Breaking up isn’t always easy but sometimes its necessary. If you find yourself in a dead end partnership create a clean break and head for the hills. Last time I checked we were in the gym to get results 
.
Posted in Weight Loss, Health and Wellness | No Comments »
Sunday, November 25th, 2007
Does a longer term loan really save you much on your monthly payment?
The payment on a $165,000 30 year mortgage at 7% is $1097.75. The following file is the amortization table.
165k30yr7percent
As you can see, you pay over $230,000 in interest over the life of the loan.
The payment on a $165,000 20 year mortgage at 6% is $1182.11. The following file is the amortization table.
165k20yr6percent
This time you are only paying $118,000 in interest over the life of the loan.
By agreeing to a shorter loan, the bank will allow a better fixed rate. You can see that the difference in payment is less than 100 bucks a month. Your house is paid off in 20 years instead of 30. A one point decrease in rate may not seem like much, but it is huge.
More examples.
How about a $250,000 loan?
30 years at 7% is $1663.26 a month paying $348,000 in interest.
20 years at 6% is $1791.08 a month paying $179,000 in interest.
By increasing your payment only $128 a month, you save around $170,000 over the life of the loan. You build equity in the house much quicker. Using the shorter, lower interest loan, in 10 years the balance on the loan will be $160,000. If you have the longer term, higher interest loan, the balance in 10 years is $214,000. Regardless of the value of your house in ten years, you have much less equity. If you needed to refinance for any reason or sell the house, you lose over $50,000.
So what if you have the same $250,000 loan at 7% and you simply decide to pay more than the minimum payment? Let’s pretend you pay the extra $128 a month. The total interest is $268,000 and the loan is paid off only 5 years sooner. In ten years, your balance is still $191,000, which means you are still down about $30,000 in equity compared to the 20 year loan.
You will note that I am showing fixed rate examples. You may be curious as to why I’m not discussing interest only or adjustable rate mortgages. If you see what these loans have done to the credit market, you probably understand. I don’t believe you should buy a house not knowing what your future interest rate may be. The current economic situation of the entire planet is my reason.
If you are trying to buy a house right now, make sure your lender shows you options that include lower rates for shorter terms. They should be able to offer you lower rates if you look at 20 years instead of 30. As you can see, even a one point difference means quite a bit of money. This will save you thousands and will allow you more room during rough patches.
I’m working on financing for real estate right now so I did some research. I will be writing some more about this in the near future. If you are looking into real estate investing, this may be of interest to you. If your plan is to buy property to rent while you wait for home prices to increase, a lower rate can mean hundreds of thousands of dollars to you.
Posted in Real Estate | No Comments »
