Filing a home insurance claim is a very important task for every homeowner. Before you file your claim, make sure that you know all the information you need. Moreover, you should be able to do it the right way so that you will not miss anything and that you will get what you deserve in your claim. Here are five steps to preparing for and filing your home insurance claim.
1. Inform your home insurance company immediately. As soon as the damage (or damages) has been done, call your agent and ask for assistance about your home insurance claim. Your agent will give you information about the next steps that you should take for your home insurance policy.
2. Make an assessment of your property and document it for proof. Depending on what available equipment you have, you can take pictures or shoot a video of your property and the damages you will file a claim on. You can use this to as proof when you file your home insurance claim.
3. Do your own repair of the things that you can do yourself. Do not worry, you can reimburse all the expenses you would have to make when doing repairs. Just keep the receipts and present it to your home insurance company for a reimbursement. You are responsible for your property. Aside from making minor repairs, you can also start securing your property by doing preventive measures, such as securing your roof.
4. Keep a list of the items you think are damaged or lost. Go through your whole house and ask everyone who lives in your house to recall any item that was previously there but is now missing. If your home insurance includes replacement cost coverage, you can have your old items replaced even if the values are different.
5. Wait for your home insurance claim. If you want to file a home insurance claim right after a natural disaster, chances are you will not get immediate attention from the home insurance company. This is especially true when the damages on your property are not as serious as what other homeowners are experiencing. While waiting, you can stay in communication with your home insurance agent so that you can get updates about when you can get your home insurance claim.
Saturday, April 25, 2009
FOX News Poll: Obama's First 100 Days
As Barack Obama closes in on his first 100 days as president, majorities of Americans approve of the job he is doing, are satisfied with what he has accomplished so far and think he is keeping his promises, according to a FOX News poll released Friday.
Obama's job approval rating comes in at 62 percent, down just three points from the 65 percent approval he received after his first week in office. Twenty-nine percent of Americans disapprove.
In addition, most people say Obama is doing a better job than they expected (26 percent) or meeting expectations (56 percent). Few say he is doing worse than expected (16 percent).
The president's approval is nearly identical to the job rating George W. Bush received at the same point in his first term, as 63 percent of Americans approved and 22 percent disapproved (April 18-19, 2001). One noticeable difference is that approval of Obama is much more divided along partisan lines today than Bush's ratings were eight years ago.
There is a wide 68 percentage point gap between the number of Democrats (92 percent) and Republicans (24 percent) who approve of the job Obama is doing. For Bush, there was a 50-point gap in April 2001.
After the September 11 attacks the partisan difference in Bush's approval narrowed significantly and was twenty-some points for months. Later, in the days leading up to the 2004 presidential election, the gap grew as wide as 79 points among registered voters as 90 percent of Republicans approved of the job Bush was doing, compared to 11 percent of Democrats.
Most Americans have a favorable opinion of Obama as a person: 68 percent favorable and 27 percent unfavorable. Similarly, at this point for Bush, 64 percent said they had a favorable view of him and 27 percent unfavorable (April 18-19, 2001).
First lady Michelle Obama is even more popular than her husband, as 73 percent of Americans have a positive view of her, up from 65 percent earlier this year (January 13-14, 2009).
Just over half of Americans (53 percent) approve of the job Joe Biden is doing as vice president, while 26 percent disapprove and 20 percent are unable to give an opinion. A 59 percent majority has a favorable opinion of Biden as a person and 28 percent unfavorable.
Opinion Dynamics Corp. conducted the national telephone poll of 900 registered voters for FOX News from April 22 to April 23. The poll has a 3-point error margin.
The poll also finds that 73 percent think Obama is honest and trustworthy, up from 60 percent in October 2008. Furthermore, more people today see Obama as a "doer" (43 percent) than a "talker" (30 percent), a reversal from pre-election polling when more people saw him as a talker (49 percent) rather than a doer (34 percent).
Foreign policy is the area where voters say the administration has done its best so far. Coming in a close second is the economy, which is also the area where the most voters say the administration has done its worst.
Things Are Getting Better
Most Americans — 69 percent — say they are satisfied with what Obama has accomplished in his first 100 days, and 57 percent think he is keeping the promises he made during the campaign.
Such positive marks are not surprising given that nearly half of Americans (46 percent) are satisfied with the way things are going in the country today, up significantly from 20 percent in mid-January. The increase in satisfaction is driven almost solely by Democrats: 17 percent said they were satisfied in January -- before Obama took office -- and 73 percent say they are satisfied today.
The number of people who rate the nation's economy as being in "excellent" or "good" condition has also increased from 5 percent a week before Obama took office to 12 percent today.
On the personal level, about a third (34 percent) say they are better off financially now than they were in January, while almost as many say they are worse off (30 percent) and another third says there has been no change in their financial situation (34 percent).
Nearly twice as many Americans think the actions Obama has taken since becoming president will help rather than hurt the nation's economy (52 percent to 28 percent). The gap is smaller when it comes to personal finances: 38 percent say Obama's actions will help them, while 25 percent say they will hurt. A third (33 percent) says the president's actions will not make much of a difference for their family.
The recently passed $3.6 trillion dollar budget makes nearly half of Americans feel less secure about the nation's financial future; 37 percent say more secure.
In general, more Americans say they prefer a smaller government that provides fewer services (50 percent) over a bigger government that provides more services (38 percent). And, by a 16 point margin, people think big government is a greater potential threat to the country's future than big business.
The poll also shows the public is significantly more likely to say the size of government has gotten bigger (42 percent) since Obama took office, than to say it has gotten smaller (8 percent). Some 42 percent say the size of government hasn't changed.
What's more, by a 27 point margin, people think Obama sees big business as the greater potential threat than big government.
While some 53 percent of Americans think Obama is making policy changes at the right speed, that's down from 66 percent in January. And the number saying he is changing policies too quickly has increased from 24 percent to 30 percent.
Obama Seen as More Liberal Than Most Americans
A slim 53 percent majority thinks Obama's positions on the issues are "about right," while 35 percent think he is "too liberal" and 6 percent say "too conservative."
When asked to compare Obama's views to most Americans, 54 percent think he is more liberal, 13 percent think more conservative, and 23 percent think his views are in line with the country.
More people think Obama has started bringing real change to Washington (51 percent) than think it is more of the "same partisan politics" (40 percent).
Even so, by a 12 point margin, Americans think Washington has become more "partisan and divisive" in the last few months than think it has become more "bipartisan and cooperative."
Few People Want a Mulligan for Their 2008 Vote
Overall, Americans say they are still satisfied with the way they voted in the 2008 presidential election. Among Obama voters, fully 93 percent are still satisfied, while 3 percent wish they had voted differently and 2 percent have mixed feelings.
For McCain voters 85 percent are still satisfied, 5 percent wish they had voted differently and 9 percent mixed feelings.
Looking ahead to 2012, just over half — 52 percent — say they would vote to reelect the president if the election were held today, including 79 percent of 2008 Obama voters.
via foxnews.com
Obama's job approval rating comes in at 62 percent, down just three points from the 65 percent approval he received after his first week in office. Twenty-nine percent of Americans disapprove.
In addition, most people say Obama is doing a better job than they expected (26 percent) or meeting expectations (56 percent). Few say he is doing worse than expected (16 percent).
The president's approval is nearly identical to the job rating George W. Bush received at the same point in his first term, as 63 percent of Americans approved and 22 percent disapproved (April 18-19, 2001). One noticeable difference is that approval of Obama is much more divided along partisan lines today than Bush's ratings were eight years ago.
There is a wide 68 percentage point gap between the number of Democrats (92 percent) and Republicans (24 percent) who approve of the job Obama is doing. For Bush, there was a 50-point gap in April 2001.
After the September 11 attacks the partisan difference in Bush's approval narrowed significantly and was twenty-some points for months. Later, in the days leading up to the 2004 presidential election, the gap grew as wide as 79 points among registered voters as 90 percent of Republicans approved of the job Bush was doing, compared to 11 percent of Democrats.
Most Americans have a favorable opinion of Obama as a person: 68 percent favorable and 27 percent unfavorable. Similarly, at this point for Bush, 64 percent said they had a favorable view of him and 27 percent unfavorable (April 18-19, 2001).
First lady Michelle Obama is even more popular than her husband, as 73 percent of Americans have a positive view of her, up from 65 percent earlier this year (January 13-14, 2009).
Just over half of Americans (53 percent) approve of the job Joe Biden is doing as vice president, while 26 percent disapprove and 20 percent are unable to give an opinion. A 59 percent majority has a favorable opinion of Biden as a person and 28 percent unfavorable.
Opinion Dynamics Corp. conducted the national telephone poll of 900 registered voters for FOX News from April 22 to April 23. The poll has a 3-point error margin.
The poll also finds that 73 percent think Obama is honest and trustworthy, up from 60 percent in October 2008. Furthermore, more people today see Obama as a "doer" (43 percent) than a "talker" (30 percent), a reversal from pre-election polling when more people saw him as a talker (49 percent) rather than a doer (34 percent).
Foreign policy is the area where voters say the administration has done its best so far. Coming in a close second is the economy, which is also the area where the most voters say the administration has done its worst.
Things Are Getting Better
Most Americans — 69 percent — say they are satisfied with what Obama has accomplished in his first 100 days, and 57 percent think he is keeping the promises he made during the campaign.
Such positive marks are not surprising given that nearly half of Americans (46 percent) are satisfied with the way things are going in the country today, up significantly from 20 percent in mid-January. The increase in satisfaction is driven almost solely by Democrats: 17 percent said they were satisfied in January -- before Obama took office -- and 73 percent say they are satisfied today.
The number of people who rate the nation's economy as being in "excellent" or "good" condition has also increased from 5 percent a week before Obama took office to 12 percent today.
On the personal level, about a third (34 percent) say they are better off financially now than they were in January, while almost as many say they are worse off (30 percent) and another third says there has been no change in their financial situation (34 percent).
Nearly twice as many Americans think the actions Obama has taken since becoming president will help rather than hurt the nation's economy (52 percent to 28 percent). The gap is smaller when it comes to personal finances: 38 percent say Obama's actions will help them, while 25 percent say they will hurt. A third (33 percent) says the president's actions will not make much of a difference for their family.
The recently passed $3.6 trillion dollar budget makes nearly half of Americans feel less secure about the nation's financial future; 37 percent say more secure.
In general, more Americans say they prefer a smaller government that provides fewer services (50 percent) over a bigger government that provides more services (38 percent). And, by a 16 point margin, people think big government is a greater potential threat to the country's future than big business.
The poll also shows the public is significantly more likely to say the size of government has gotten bigger (42 percent) since Obama took office, than to say it has gotten smaller (8 percent). Some 42 percent say the size of government hasn't changed.
What's more, by a 27 point margin, people think Obama sees big business as the greater potential threat than big government.
While some 53 percent of Americans think Obama is making policy changes at the right speed, that's down from 66 percent in January. And the number saying he is changing policies too quickly has increased from 24 percent to 30 percent.
Obama Seen as More Liberal Than Most Americans
A slim 53 percent majority thinks Obama's positions on the issues are "about right," while 35 percent think he is "too liberal" and 6 percent say "too conservative."
When asked to compare Obama's views to most Americans, 54 percent think he is more liberal, 13 percent think more conservative, and 23 percent think his views are in line with the country.
More people think Obama has started bringing real change to Washington (51 percent) than think it is more of the "same partisan politics" (40 percent).
Even so, by a 12 point margin, Americans think Washington has become more "partisan and divisive" in the last few months than think it has become more "bipartisan and cooperative."
Few People Want a Mulligan for Their 2008 Vote
Overall, Americans say they are still satisfied with the way they voted in the 2008 presidential election. Among Obama voters, fully 93 percent are still satisfied, while 3 percent wish they had voted differently and 2 percent have mixed feelings.
For McCain voters 85 percent are still satisfied, 5 percent wish they had voted differently and 9 percent mixed feelings.
Looking ahead to 2012, just over half — 52 percent — say they would vote to reelect the president if the election were held today, including 79 percent of 2008 Obama voters.
via foxnews.com
Gore tells GOP deniers they’re victims of ‘the Bernie Madoffs of global warming.’
ice President Al Gore, testifying to Congress, told GOP global warming deniers that they are the victims of "the Bernie Madoffs of global warming." After Rep. Joe Barton (R-TX) mocked global warming as being responsible for the woes of the Dallas Cowboys, Gore said that he and other climate change deniers have been receiving bad information. He pointed out that a front-page story in today's New York Times reveals that the largest corporate polluters in the United States censored their climate scientists in 1995:
The largest corporate carbon polluters in America, 14 years ago, asked their own people to conduct a review of all of this science. And their own people told them, "What the international scientific community is saying is correct, there is no legitimate basis for denying it." Then, these large polluters committed a massive fraud far larger than Bernie Madoff's fraud. They are the Bernie Madoffs of global warming. They ordered the censoring and removal of the scientific review that they themselves conducted, and like Bernie Madoff, they lied to the people who trusted them in order to make money.
Gore concluded, "These corporations ought to apologize to the American people for conducting a massive fraud for the last 14 years."
Transcript:
BARTON: I was somewhat taken aback, Mr. Vice President, by the list of current environmental problems contributed to global warming. You did miss a few, though. the dallas cowboys have not won a playoff game in 10 years. You didn't mention that. And you also, as Mr. Markey pointed out to me, the New England Patriots did not make the Super Bowl. I would add those to the list of problems you enumerated.
...
GORE: Congressman Barton, I want to address the point you made about the science. I do not question your sincerity for one moment.
BARTON: And I do not question yours, so we are equal on that.
GORE: Thank you. I believe it is important to look at the sources of the science that we rely on. With all due respect, I believe that you have relied on people you have trusted who have given you bad information. I do not blame the investors who trusted Bernie Madoff, but he gave them bad information.
BARTON: I have never talked to Bernie Madoff.
GORE: I'm not saying that you have, but he gave them that information and committed a massive fraud that ended up hurting most of all the people who trusted him. Senator Warner made reference in his opening statement to the story on the front page of the New York Times this morning, absolutely incredible. The largest corporate carbon polluters in America, 14 years ago, asked their own people to conduct a review of all of this science. And their own people told them, "What the international scientific community is saying is correct, there is no legitimate basis for denying it." Then, these large polluters committed a massive fraud far larger than Bernie Madoff's fraud. They are the Bernie Madoffs of global warming. They ordered the censoring and removal of the scientific review that they themselves conducted, and like Bernie Madoff, they lied to the people who trusted them in order to make money. And the CEO of the largest . . .
BARTON: I will stipulate that CO2 concentrations are going up. there is no debate about that. there -- they are about 380 parts per million and they're going to rise to about 500 parts per million in the next 50 to 100 years. I will stipulate that. Now, the consequences of that, and that is because of man-made CO2, I think are debatable. I do not know about the scientific peer review that you just talked about, but if somebody lied about something 14 years ago, I am sure Mr. Waxman and Mr. Markey will conduct am investigation oversight hearing into that. My question to you was about the cost of the allowance system. How are we gonna to pay for it? How many jobs are we going to lose? if you've got information about something that happened 14 years ago, I am sure, again, our chairman and subcommittee chairman -- Mr. Stupak, who's the oversight subcommittee chairman -- will look at it. But answer the question about costs, please.
GORE: It is on the front page of the New York Times today, by Andrew Revkin. They themselves conducted review and found a science about it's valid. And to the point you made a moment ago: they verified in their own studies that man-made global warming is raising temperatures and causing this crisis. Like Bernie Madoff, and they lied about it in order to make money. And they themselves profited. The ceo of the largest got a onetime payment of $400 million. Now, again, those who have trusted them and believed them are due an apology. These corporations ought to apologize to the American people for conducting a massive fraud for the last 14 years.
Top 10 Health Benefits of Sex
Sex is everywhere in the media but does everybody know that besides experiencing sexual pleasure, sex has immense psychological and physical benefits even after the sweat has dried up and sweet talk ended. The feel-good benefits of having sex at least thrice a week enhance quality of life and well being, a fact backed by scientific studies.
1. Acts as a pain reliever: Instead of popping analgesic pills to relieve your headache; have sex with your loved one and you can feel the difference as sex has the ability to act as a pain reliever. If you engage in any sexual activity, there is secretion of hormone oxytocin into blood that releases chemical like substances called endorphins. With the increased level of oxytocin during the course of sexual activity, overall body pain, cramps and even headache is relieved.
2. Leads to increased blood flow: It is a known fact that as you engage in any sexual activity, your heart rate increases and blood flow to the brain is also increased. This increased flow of blood throughout the body leads to better functioning of the organs as they get fresh supply of high dosage of oxygen.
3. Sex acts as a detoxification agent: Sex can cleanse the body by elimination of waste products through increased blood flow leading to reduced fatigue and also helps prevent diseases.
4. It is a stress buster: Since ancient days, sex has always helped men to reduce stress. The chemical secretion involved in a sexual activity helps to relieve stress. Additionally a good sleep is what most enjoys after experiencing sexual pleasure. Recent studies confirm the fact that the body gets relaxed after a satisfying orgasm and lovemaking. A good sleep is very important for a healthy well being.
5. Sex enhances immunity: If you experience good sex at least thrice a week, research studies indicate that it is directly correlated to the level of immunoglobulin in our body. Healthy sexual life implies higher level of immunoglobulin, resulting in increased immunity and greater resistance to diseases.
6. Sex helps reduce body weight: Sex results in burning of calories. It has been found that sexual intercourse can help you burn off 85 calories in every 30 minutes. Sexologists are of the opinion that sex is a great form of exercise to reduce your body weight.
7. Sex help rejuvenate mind and body: Sexual activity and orgasm helps increase life span. It leads to secretion of DHEA (Dehydroepiandrosterone) hormone that helps maintain your body, repair tissue, improves skin and most importantly act as an anti-depressant. It will help you grow more youthful and energetic.
8. Improves genital health: Regular sexual intercourse and ejaculation helps men maintain prostrate glands in good health conditions. Kegel exercise (contraction of genital muscles) is another way of strengthening the genital tract and also helps women in childbirth and in experiencing intense orgasms.
9. Increases estrogen and testosterone: Daily sexual activity helps increase testosterone level, leading to increased level of good cholesterol in the body. Helps to keep your heart healthy as well. Estrogen level also boosts cardiovascular health in women and makes her proactive towards sex.
10. Improves Relationship: And bet that this is the best effect of sex. Love is important in maintaining and strengthening relationship. Sex helps people to grow intimate and aids in creating the right bond of togetherness. Sex has a healing power and acts as a catalyst to live happily with a healthy mind and body.
Tuesday, February 10, 2009
7 Lessons from Business Master - Warren Buffett
Are you sold on the fake notion that owning possessions is the touchstone of your self-worth? Have you felt jealous and self-pity when a neighbor bought a new Mercedes or a new Yacht that you always wanted to possess? We all have.
If your paycheck is not keeping up the pace with your cravings for the new iphone, why not learn the secrets of simplicity from the richest man on the earth who still lives without a cell phone? Before you sink your money for the latest gadget what if you were to know that the Oracle of Omaha still has no desk computer in his modest office?
In this world full of the rich and famous, Warren Buffett remains the greatest investor ever born not due to his acumen for the wise investments that he has made during his life but more for exemplifying the greatness with simplicity. He's full of wit and happiness and this is at the core of everything that he does.
Secret # 1 : Happiness comes from within.
In my adult business life I have never had to make a choice of trading between professional and personal. I tap-dance to work, and when I get there it's tremendous fun.- Warren Buffett
This is the man who truly does what he loves. The battle between Productivity and anti-productivity blogs stems from their convoluted chains of frequently twisted rational to substantiate their claim that productivity is a force of an external demand - from an employer or a competitor. In reality, productivity comes from within.
It comes from doing what we love and loving what we do. When we start trading time between our professional and personal life, we wage war in our own mind to justify our passion in terms of a personal benefit. In my business I have felt more stress and angst when I haven't given all of my talent, hard work and passion to help others on a given day. The myth of working hard to make more money to buy more things throws us in the vicious circle of hallucination.
Our happiness always remains imprisoned when we do work that we abhor yet justify doing it to pay bills for those things that we don't need. I used to work even after buying my first hotel for many years to justify the fake notion that I needed additional income to pay bills. What I needed was to change my lifestyle to free myself from this never-ending rut chase.
Secret # 2 Find happiness in simple pleasures.
I have simple pleasures. I play bridge online for 12 hours a week. Bill and I play, he's "chalengr" and I'm "tbone". - Warren Buffett
If the man richer than God can find happiness in the simple pleasure of playing bridge online with another billionaire, I have to learn to be happy with the simple pleasures of playing cards with friends or playing with my children or taking a walk in the wilderness. All of these simple pleasures do not need extravagant spending.
I used to go play golf with other businessmen when the local chamber of commerce sponsored an event. I never found happiness in those events as they were centered on generating more business and exchanging business cards than on truly enjoying the moment. I was allowing myself to be run ragged by trading business cards after hours in a vain hope of making more money whereas that time deserved a dinner with my family.
Secret # 3 Live a simple life.
I just naturally want to do things that make sense. In my personal life too, I don't care what other rich people are doing. I don't want a 405 foot boat just because someone else has a 400 foot boat. - Warren Buffett
The sad truth is that our ever-sophisticated advertising industry has conditioned our mind to find happiness from consumption by spending our hard earned money on the possessions that never bring us lasting happiness. We spend our life-energy on those possessions that we seldom use. We worry about making payments for a luxury car that sits in our garage collecting dust only for the right to brag about it in an occasional social gathering.
Keeping up with the Joneses is the worst epidemic among those who should never contemplate that notion in the first place. If a man who can possibly buy a nation with his cash never espouses the mantra of "more the better", I need to learn not to spread my legs beyond the reach of the blanket. We are conditioned to spend money before we earn it. We are sold on the fake happiness of "Buy now, pay later dearly" - It's nothing more than buying possessions that we cannot afford.
I have my share of insanity when it comes to mindless spending, but lately I try to pay for most of my purchases with cash. It creates awareness towards the impulse buy when I pay by cash. I have also started red lining items on the credit card statement that I consider useless spending. All of these efforts have built my awareness towards my impulse purchases. I have been using mantra of - "less is more" to simplify every aspect of my life. It's a work in progress but the results are astounding.
Secret # 4 Think Simply.
"I want to be able to explain my mistakes. This means I do only the things I completely understand." - Warren Buffett
There lies one of the greatest secrets of simplicity. Warren Buffett invests only in the businesses that he understands. If you ever read research reports from an accomplished Wall Street guru, you'll find a plethora of details that make you dizzy. The success of Warren Buffett as the greatest investor ever lies in his ability to think simply.
I used to invest in the stock market in the mid 90's when everyone wanted to make over night millions in an exuberant market. I used to read "Investor's Business Daily" only to look at the movers and shakers. These were the stocks that made a significant upward move a day before. A few days before Christmas, I made $52,000 in one stock in a matter of a few days.
I knew nothing about the company. I created a new reality for my thoughts that I had figured out how the Wall Street works. I was on my way to the riches. I applied the same thought model on the next several stocks. Needless to say, I lost all that I made and much more. I was lacking in a basic human quality that Warren Buffett has mastered well - common sense.
It says a great deal about the character of a man who invested a measly amount in Microsoft despite the fact that Bill Gates is one of his closest friends. I learned a valuable lesson of life from this experience - "Not losing hard earned money is far more important than making more money".
If I apply this rule in my life, I can develop clarity and sanity in my thoughts. Clarity is the mother of simplicity. Life is not a roulette; life is about simple yet profound choices.
Secret # 5 Invest Simply.
The best way to own common stocks is through an index fund. - Warren Buffett
It is astounding to know that the greatest investor in the world is not bragging about intricate financial maneuvering to impress the rest of the world with his financial genius. Instead, Warren Buffett shows us the most simplistic approach to our financial freedom - "Flow with the market rather than pretending to be smarter than God."
In this world full of so-called financial experts, Warren stands tall by showing us the simplest way to the riches. The stock market has moved upward for the last hundred years despite numerous setbacks.
He is using a long historical view to back his argument rather than making a futile effort to predict how we can make a quick fortune. After losing most of my capital in the late 90's, I have precisely followed the simple advice of investing in the no-load index funds. I'm happier than ever and while my assets have not skyrocketed, they haven't dwindled either.
Secret # 6 Have a mentor in life.
I was lucky to have the right heroes. Tell me who your heroes are and I'll tell you how you'll turn out to be. The qualities of the one you admire are the traits that you, with a little practice, can make your own, and that, if practiced, will become habit-forming. - Warren Buffett
We are worshipers of celebrity demi-gods. All of us have this acute desire to look and live like these celebrities. However, are they truly the ones with character and moral compass to lead us? Having a mentor is as important as having a purpose in our life but having a wrong mentor is as devastating as having a wrong purpose in our life.
The mentor has to be someone whom we can trust and have an unwavering faith in his/her guidance. The mentor has to be the one who has made outstanding strides in advancing the greater and guiding purpose of happiness in his/her own life. You'll find that person in your inner circle if you think hard enough. Write down why you admire them. Try to emulate their traits and as Warren has shown by his exemplary life, with a little practice, you can form a habit to clone the life that you admire the most.
Secret # 7 Making money isn't the backbone of our guiding purpose; making money is the by-product of our guiding purpose.
If you're doing something you love, you're more likely to put your all into it, and that generally equates to making money. - Warren Buffett
How do you rationalize the richest man on the earth still living in a small 3-bedroom house that he purchased fifty years ago? Warren Buffett never travels in a private jet despite the fact that he owns the largest private jet company. His character and way of life speak volume about his greatness.
This is the man who spent his personal time investigating a $4 line item on his tax return to hunt down the specifics of it while giving away billions of dollars to Bill Gates foundation. It is rare to find the richest man on the earth living without luxuries that we want to possess even by mortgaging our future. He has demonstrated that while valuing the worth of money is vital for our ingenuity and success, money shall never become the object and end all of our motivation.
I'm an avid admirer of simplicity, but I'm an even bigger fan of the man who has mastered the greatness by living and breathing simplicity amid an ocean of wealth. Do you agree?
20 Reasons to Have Sex Tonight
It's funny how sex factors into the way people describe the state of their relationships. Studies show that, when things are going well, sex contributes only 15 percent to the overall satisfaction of a relationship. But if things aren't going well, it contributes 85 percent to the overall dissatisfaction.
Sex has many advantages to both people involved. Here are just a few:
Sex has many advantages to both people involved. Here are just a few:
1. Because you said so
Even though you may not have promised to "love, honor, and have sex once a week" when you made a commitment to your relationship, it was understood that sex would be part of that bargain.
Imagine how the marriage rates would go down if people said, "I'll marry you, but don't expect sex." If you polled one thousand people on the street and asked them, "Is it reasonable to expect to have to have sex when you are married?" the overwhelming majority would say yes. If you expect a monogamous commitment from your partner, then it stands to reason that you will be a cooperative sex partner.
2. Sex helps you forget
Oxytocin, which triggers orgasm, has an amnesic effect that lasts up to five hours. So for a period of time you forget that he maxed out your Visa card or she was an hour late getting home from work. Women get an additional benefit. During orgasm that parts of the brain that govern fear, anxiety, and stress are switched off. (Faking orgasm gives no such benefit.)
3. Sex rewires you for pleasure
Every time you share a positive experience with your partner, your brain comes to associate him or her with pleasure. You can transform any relationship simply by increasing the number of enjoyable times you share together.
4. Sex puts the "P" back in partnership
Passion is what separates your relationship with your intimate partner from those with girlfriends and buddies. Yes, you two are best friends and confidants, but without sex you will not have passion.
The following are from a 1997 study in the British Medical Journal-
5. Heightened sense of smell
After sex, production of prolactin surges, causing stem cells in the brain to develop new neurons in the brain's smell center (olfactory bulb).
6. Weight loss
Rambunctious sex burns a minimum of two hundred calories, about the same as running fifteen minutes on a treadmill. British researchers determined that the equivalent of six Big Macs can be worked off by having sex three times a week for a year.
7. Reduced depression
Prostaglandin, a hormone found in semen, modulates female hormones. Orgasm releases endorphins, producing a sense of well-being and euphoria.
8. Pain relief
During sex, levels of oxytocin surge five times their normal level, releasing endorphins that alleviate pain. Sex also prompts production of estrogen, which reduces the pain of PMS.
9. Healthier heart
Women who have more sex have higher levels of estrogen, which protects against heart disease.
10. Cure for the common cold
Once-a-week sex produces 30 percent higher levels of immunoglobulin A, which boosts the immune system.
11. Better bladder control
Sex strengthens the pelvic muscles that control the flow of urine.
12. Peppy prostate
Some urologists believe they see a relationship between infrequency of ejaculation in men and cancer in the prostate. In this case solo sex works just as well, but why out on all the other benefits?
13. Shiny hair, glowing skin
For women, extra estrogen from orgasm makes hair shine. Sweat produced during sex cleanses the pores and makes skin glow. Serotonin produces the after glow of sex.
14. Calming effect
Sex is ten times more effective than Valium, with no side effects.
15. Relief for a stuffy nose
Really. Sex is a natural antihistamine. It can even help combat hay fever and asthma.
16. Firmer tummy and butt
Regular sex can firm your tummy and butt, plus improve posture.
17. Boosts immune system
Endorphins stimulate immune-system cells that fight disease.
18. Forever young
Sex actually slows down the aging process. It lowers cortisol levels in the bloodstream, which reduces stress and slows down the aging process.
19. Protection against Alzheimer's and osteoporosis
Women who have more sex have higher levels of estrogen, which protects against Alzheimer's and osteoporosis.
20. Euphoria
Who wouldn't want more? The best way to get a natural high is sex!
Wednesday, November 12, 2008
Urgent Assistance Needed! - via email
Dear Sir/Madam
After going through your profile I decided to contact you for friendship and assistace and distribution of my inherentance I have to say that I have no intentions of causing you any Pains so I decided to contact you through this medium. I got your Contact through a personal search via the internet. As you read this, I don't want you to feel sorry for me, because, I Believe every one will die some day.
My name is Sarah May I am a dying woman who have decided to donate What I have to you/ church/charity Organizations.
I was diagnosed with esophageal Cancer for about 7 Years ago, I am married to Sir Gerald Allport who worked with British Judicial Commission in Chelsea England for over a decade before he died on 5th of July in the year 1989. We were married for fifteen years without a child and he has left me everything he worked for.
I have not particularly lived my life so well, as I never really cared for anyone. Though I am very rich, I was never generous, I was always hostile to people and only focus on my self as that was the only thing I Cared for.
But now I regret all this as I now know that there is more to life than just wanting to have or make all the money in the world.I Believe when God gives me a second chance to come to this world I would Live my life a different way from how I have lived it.
Now that I know My time is near I have been touched by God to donate from what I have Inherited from my late husband for the good work of God, rather than Allow my relatives to use my husband hard earned funds ungodly.
So far, I have distributed money to some charity organizations in the U.A.E, London and Ireland. Now that my health has deteriorated so badly, I cannot do this my self any more. I once asked members of my family to Close one of my accounts and donate the money, which I have there to Charity organization in Bulgaria; they refused and kept the money to Themselves.
Hence, I do not trust them anymore, as they seem not to be contended With what I have left for them. The last of my money which is the huge Cash deposit that I have with Financial Firm Abroad .I will want you to Help me collect this deposit and dispatched it to charity organizations And let them know that it is me Sarah May that is making this Generous donation.
I am writing this from my laptop computer in my hospital bed where I wait for my time to come. I pray that God uses you to support and assist Me with good heart Please pray that the good Lord forgive me my sins.I have asked God to Forgive me and I believe he has because He is a merciful God.
I will be Going in for an operation in less than few days. I decided to WILL/donate the money to you for the good work of the lord,And also to help the motherless and less privilege and also for the Assistance of the widows according to (JAMES 1:27).
I took this decision because I do not have any child that will inherit This money and my husband relatives are not inclined to helping poor Persons and I do not want my husband's hard earned money to be misused Or spent in the manner in which my late husband did not specify.
At the moment I cannot take any telephone calls right now due to the Fact that my relatives are around me and my health status. I wish you All the best and May the good Lord bless you abundantly, and please use The funds well and always extend the good work to others.
NB: I will appreciate your utmost confidentiality in this matter until The task is accomplished as I don't want anything that will jeopardize My last wish. And Also I will be contacting with you by email as I don't Want my relation or anybody to know because they are always around me.
Regards,
sarah may Mrs.
Please contact me through the email address below
sarahmay81@live.com
After going through your profile I decided to contact you for friendship and assistace and distribution of my inherentance I have to say that I have no intentions of causing you any Pains so I decided to contact you through this medium. I got your Contact through a personal search via the internet. As you read this, I don't want you to feel sorry for me, because, I Believe every one will die some day.
My name is Sarah May I am a dying woman who have decided to donate What I have to you/ church/charity Organizations.
I was diagnosed with esophageal Cancer for about 7 Years ago, I am married to Sir Gerald Allport who worked with British Judicial Commission in Chelsea England for over a decade before he died on 5th of July in the year 1989. We were married for fifteen years without a child and he has left me everything he worked for.
I have not particularly lived my life so well, as I never really cared for anyone. Though I am very rich, I was never generous, I was always hostile to people and only focus on my self as that was the only thing I Cared for.
But now I regret all this as I now know that there is more to life than just wanting to have or make all the money in the world.I Believe when God gives me a second chance to come to this world I would Live my life a different way from how I have lived it.
Now that I know My time is near I have been touched by God to donate from what I have Inherited from my late husband for the good work of God, rather than Allow my relatives to use my husband hard earned funds ungodly.
So far, I have distributed money to some charity organizations in the U.A.E, London and Ireland. Now that my health has deteriorated so badly, I cannot do this my self any more. I once asked members of my family to Close one of my accounts and donate the money, which I have there to Charity organization in Bulgaria; they refused and kept the money to Themselves.
Hence, I do not trust them anymore, as they seem not to be contended With what I have left for them. The last of my money which is the huge Cash deposit that I have with Financial Firm Abroad .I will want you to Help me collect this deposit and dispatched it to charity organizations And let them know that it is me Sarah May that is making this Generous donation.
I am writing this from my laptop computer in my hospital bed where I wait for my time to come. I pray that God uses you to support and assist Me with good heart Please pray that the good Lord forgive me my sins.I have asked God to Forgive me and I believe he has because He is a merciful God.
I will be Going in for an operation in less than few days. I decided to WILL/donate the money to you for the good work of the lord,And also to help the motherless and less privilege and also for the Assistance of the widows according to (JAMES 1:27).
I took this decision because I do not have any child that will inherit This money and my husband relatives are not inclined to helping poor Persons and I do not want my husband's hard earned money to be misused Or spent in the manner in which my late husband did not specify.
At the moment I cannot take any telephone calls right now due to the Fact that my relatives are around me and my health status. I wish you All the best and May the good Lord bless you abundantly, and please use The funds well and always extend the good work to others.
NB: I will appreciate your utmost confidentiality in this matter until The task is accomplished as I don't want anything that will jeopardize My last wish. And Also I will be contacting with you by email as I don't Want my relation or anybody to know because they are always around me.
Regards,
sarah may Mrs.
Please contact me through the email address below
sarahmay81@live.com
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