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10Feb/100

Investing: The Art Of Making Your Money Work For You – Real Estate

Investing: The Art Of Making Your Money Work For You
Margaret Marabella

There is a lot to know about investing. It all depends on what type of investing you are interested in as well. There are many different types of investment options out there. So what is investing, specifically
When you invest, you are paying in a certain amount of money that you expect to grow with time. Most investments are considered long term investments meaning you will not get your money back right away but if you leave your money in, it can multiply dramatically over time. Types of Investing: Real Estate Investing, Bonds, Stock Investing, Mutual Funds, 401K. With stock investing, many of the younger investors see the market as a way to get rich quick. They are quick to sell off the stock that they have when it goes up or if they see it go down a little, they get nervous and sell it off. If they hold the investment and ride it out, they are much more likely to see it grow.
If you are going to be investing, the key to success is asset allocation. You need to vary your assets by investing in more than one type. So just how do you do this exactly Well, you need to know what the 4 major types are first.
1 U.S. Stocks are one. They are represented by the S&P 500 Index 2 Foreign Stocks is another; represented by EAFE Index Europe, Australia and Far East 3 Real estate, represented by the National Association of Real Estate Investment Trusts Equity Index 4 Commodities;represented by the Goldman Sachs.
The key to a growing portfolio is finding a balance between the ups and downs of these many assets. For example, if one year stocks seem to be down, real estate or commodities may be up. So if you are ready to get started with investing, what do you need to know First, you need to decide how much money you have to invest safely.
If you decide to invest in mutual funds, you will be asked if you want a high, medium or low risk stock. If you invest in high, there is of course, more risk involved but if it is successful, you will see much higher returns. If you go with a low risk, you will not lose as much if it doesnt work out but you will not gain large amounts if it is successful. Its really all about how much money you have and how much you feel comfortable with risking.
Whatever you choose, there is really no reason not to invest. There are so many opportunities that can be tried with little investment and little risk of loss. If you are considering it,it is easy to learn a little more about it to form your decisions of which way to go and then invest your money and watch it grow! The money you invest may return money for your college, kids college, retirement, to buy a house or whatever your needs are. Theres no reason not to get started today.
Margaret Marabella

http://www.funinvesting.com

About The Author

The author Margaret Marabella has created a great web resource for Investing

http://www.funinvesting.com

margaret@funinvesting.com

8Feb/100

The Art of Forgiveness – Stress Management

The Art of Forgiveness
Dr. Tim Sams

Forgiveness is a critical element in becoming self actualized and fully loving. Forgiving is the process by which you let go of feeling victimized or having wronged others. It allows you to climb out of the dark well of anger, bitterness, or guilt into which you can easily fall.
In a busy life, you are frequently confronted with opportunities to forgive others as well as yourself. With others, you cope with mild frustrations like the delivery person who shows up late, or with more severe transgressions like the friend who tells your secrets. With these events, forgiving is hindered if the behavior violates your basic sense of what is "right" or fair, or how you think people "should" behave. When someone wrongs you, your anger can be empowering as you prepare to defend your principles and "fight the good fight." Or, you may believe that forgiveness is possible only if the other person admits to the wrongdoing. All of these attitudes are unhealthy when rigidly maintaining your anger and sense of victimization.
It is also frequently necessary to forgive yourself, since you regularly evaluate your own behaviors, some of which may not meet your own standards Forgiving yourself is harder than forgiving others if you tend to judge yourself more harshly than others with a perfectionist style that doesnt permit mistakes. You may pride yourself on high standards for your own conduct. Or, you may believe that only God has the right to forgive you. These beliefs encourage poor self-esteem and the corrosive effects of guilt.
In Stepping Stones: 10 Steps to Seizing Passion and Purpose, the process of forgiving is described as APEX healing. It begins with Acknowledging the reality of the situation without distortion or denial. Then, you give yourself Permission to feel whatever is real and congruent with your thoughts about the event and the person responsible. Label your specific feelings and their actual intensity; dont label yourself as upset or irritated when youre really angry. Whenever possible try to Empathize with the person who committed the transgression; put yourself in their position and imagine how you might have done something similar. If you are considering self-forgiveness, remember what was going on with you at the time of the incident, not merely in hindsight. Ultimately, you can explore strategies for forgiveness.
To forgive others, you might consider the behavior as a one-time aberration; focus on the behavior, not the outcome; minimize the importance of the consequences; or minimize how much you think about the event. To forgive yourself, you can give yourself permission to make mistakes; promise yourself not to repeat the behavior; or vow to learn from the event. In some cases, it can be helpful to write a letter of forgiveness.
The process of forgiveness can last anywhere from a few seconds to years. It is the ultimate stress management solution in a civilization with a rapidly accelerating pace and increasingly complex lifestyle. It allows you to choose your paths, your present, and your future.
Dr. Tim Sams
My Sacred Journey

http://www.mysacredjourney.com

Copyright 2004. Dr. Tim Sams. All rights reserved.

About The Author

Dr. Tim Sams is the author of Stepping Stones: 10 Steps to Seizing Passion and Purpose; the book is available through his web site: http://www.mysacredjourney.com/bookstore.htm, and at all online bookstores.
Dr. Sams is a University of Michigan graduate who interned at the Long Beach VA Medical Center. He is a diplomate of the American Academy of Pain Management and the American College of Forensic Medicine. He originally trained as a medical and health psychologist with specialty training in behavioral medicine, the melding of medicine and psychology, mind and body. Though he had taken dozens of classes in biology, anatomy, and physiology, over time his clinical passion for alleviating physical pain blossomed and he obtained a Masters of Science with emphasis on the medical basis of orthopedic, neurologic, and myofascial pain. He is a frequent lecturer on pain management throughout the United States. He authored the most comprehensive patient pain manual scheduled for release in June, 2005. He writes a free, biweekly newsletter called Advances in Medicine that you can sign up for on this website. Dr. Tim is a motivator and a teacher; a caring soul who believes that humor is one of the best weapons against pain; that and really good drugs.
Dr. Tim has multiple offices in Southern California, consulting to a few dozen pain physicians and hundreds of primary care physicians and orthopedic surgeons. He spends one day a week in his office educating patients at http://www.MyPainReliefDoc.com.
He lives and plays in Orange County, California with his wife Lari and his daughter, Leah. He spends most of his non-family free time jogging, swimming, reading, or writing.
Copyright 2004. Dr. Tim Sams. All rights reserved.
drtimsams@yahoo.com

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8Feb/100

Ethics in Business… A Lost Art – Real Estate

Ethics in Business... A Lost Art
Sue and Chuck DeFiore

While watching Face the Nation one Sunday earlier this year, Bob Schiffer discussed the airline industry, his mother and ethics in business. Like Bob, I think it is a sad commentary today, that we have to police businesses. Whatever happened to going into business to provide a needed service, being loyal to employees, and keeping promises.
It seems like no one today is concerned about doing good business or being ethical in the process. Our forefathers would be ashamed at what this society has come to. I know I am.
Chuck and I teach our students how to run a good business, by being ethical, and making sure that everyone is happy. We run our business using the adage,

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