Yanik Silver: Thanks John. You know, normally, like you mentioned, I talk normally about Internet marketing. So this is going to be fun talking about some of the Inner secrets of Personal achievements and that’s really where you center yourself and where you’ve led so many people. And why don’t we start with, what you say, that There is only three problems, and I totally agree that there is only three problems in the world than what we come about into it, is either Money, Health or Relationship related. And what are some of the ways that people can deal with those problems, or what they see, or what they perceive to be problems? John Harricharan: I think -- I like to use examples when I explain some of these things. And when I mentioned there are only three problems, that's how we would divide, the money, health, relationships. And they are a part of a whole gestalt, if you will, because when you boil them down, they just come down to being only one problem. But that’s for another book one day. Yanik Silver: Okay. John Harricharan: We will deal with the three problems. The reason problems become confusing is because whenever we get too involved in one of them, whether it be Health or Money or Relationships, we start breaking down the problem into a million little many problems instead of staying focused on the source that could solve these problems. Let me give an example. Let's say all of a sudden my microwave doesn’t work. Yanik Silver: Right. John Harricharan: And I start taking it apart to see why doesn't it work? And I get tired. I can't fix it. I come upstairs to look at my television. The television doesn’t work. And I am getting more confused now and more puzzled. And then I decided to turn the light bulb on, turn on the lights and the lights don’t work. This is what happens. Really what may have happened was just one problem. The electrical switch tripped. The breaker took off all the electricity. But here I go to all these little problems trying to open up the television, trying to change the bulbs and so forth. And so we do that with our problems and then so doing, we lose sight of really what the problem is? And once we get a feel for what it is, we can solve it by creating the conditions in which the problem solves itself instead of getting a hammer and so on trying to fix the breaker, you just push one switch. Yanik Silver: Is that really -- is that would you say a driving philosophy for you that people make it harder on themselves than they have to? John Harricharan: I've always believed that. I have seen it in my corporate work, which was at some substantial levels in New York and in my other work, in my teachings and so forth, people really complicate it, not because people are silly, but because they get caught up in a web of fear and they are hypnotized into believing something is going wrong. It happens to all. I have seen it happen to some of the masters of the stuff. It happened to me when I got ill a few years ago and you remember a part of that. Yanik Silver: Right. John Harricharan: I was so concerned about it and I thought, Oh! my goodness, what am I going to do about this? It's so horrible, I could hardly walk, I could hardly see. Am I loosing everything now and I got caught up in it. And I got caught up in the doctor’s situation because every pill they gave me I took. Everything they wanted me to do I did, and I was so scared and fearful and hypnotized into believing that’s the way it goes. The minute I start doing what I teach people to do, which are actually the principles of the Power Pause. I stepped back, looked at what is happening, realizing that this health thing is basically an illusion. The same power that could solve the problems of outer space could solve the problems of what I am dealing with. And so I went into a quite and a silence and I created in my mind the conditions that permitted the cells to do their work. The enzymes to work properly and a whole new body was formed. My doctor to this day can’t believe it. And whenever she sees me, she points to her head and says, “I know, you don’t need my medicine, you use something up there”. I said, That isn’t totally correct either. But it just a method of problems solving, which I find being much more creative than any of the others. Yanik Silver: And, you know, you and I have talked privately about that. And you told me that you believe that one of the reasons that you gotten such dire straits with your health was because when you’re teaching about these three different problems that you wanted to experience or some part of you wanted to experience that , the feeling of going all the way down. John Harricharan: Yes. This is true. I had experienced the one of having a lot of money and then losing it all. Why was that a good experience for me because there was a time when I was some fairly well off. My hardest decision to make during the mornings when I got up was, should I take the Lincoln to the office or the Mercedes or should I have the chauffeur drive me. And now if that’s the worst problem you have then you have a really big problem. So a friend of mine, I remember this very, very clearly. He said, to me -- I asked him -- I said, "Hey, Bob, how you’re doing? Haven’t seen you in a week or two”. He said, “I am doing very well, John except, you know, I got a little financial problem". My car payment has backed up and I don’t what I'll do as they are going to repossess my car”. And I thought car, car payment, finance, do they still finance those things? I had no idea what he was going through. And so I said well, what’s the number or what would it take to handle this. They gave me a number I don’t remember maybe a 1000, 1500 bucks. Yanik Silver: Right. John Harricharan: And I said to my secretary -- my assistant, issue him a check for that amount, which solved his problems. So I didn’t really know what pain he was going through. When somebody would say to me, you know, “I’m late in the mortgage. I’d say, “Okay, can I help. And I’d wonder in my mind late in mortgage. How could anybody be late in the mortgage?” Until one day, I lost everything, my house, were foreclosed. My cars were repossessed. And then I knew what it was like. And I thought it’s a good thing I know that because I would help people out of, feeling sorry for them. Not feeling that we’re here to help one another. And so when it came to relationships, you never didn’t meet my wife. You would have loved to meet her. But people like Brad Steiger and others haven’t. She was in my mind the most beautiful girl on earth, very both inside and out, very special person. And so there was this beautiful relationship…. And one day she was taken away. And then I knew what it was like to lose not 50% of yourself but 90% of yourself. And from that day on, I knew how people would feel when they lost someone close to them. When they lost a relationship not only by death, but so many people who have had relationships for four or five years, or 10 or 20 years just the other day I meet somebody and I said old friend of mine and "I said, how you are doing?" She says, well you know we got divorced. And I thought what a loss, I said, how long were you married? She said, it’s been so terrible John. “ It’s been 24 years and we got divorced. I don’t know what to do?” And immediately my heart went out to her. And I felt the pain because I know what it was like. So it doesn’t have to be losing someone because that person died. It doesn’t have to be losing someone because of divorce. It’s just a relationship problem. So I had experienced those two problems but never in my life did I have a health problem. I couldn’t understand when somebody said, that he or she had to go to the doctor or they have this thing or they’re under that medication. And so forth and I’m thinking come on that's silly, we are meant to be healthy. What could they be doing? , they could take care of that. And then one day I became sick, very, very sick. And that's the part you know of. And I didn't think I was going to make it. And when I got out of that, you can be sure that now having experienced to the greatest degree, I'd like to be challenged. So when I do something I do it… Yanik Silver: All the way. John Harricharan: Yeah. All the way. Yanik Silver: Yeah. John Harricharan: And so now I'm totally aware of these three problems. And so in the work I do now, people talk to me, I don’t care what level they are at or what the problem is. I do have a feel for it and through energy system would convey a little help to them. Yanik Silver: Right. And you've done some of that in invisible type healing for my family. And definitely I'm grateful for that. And I can attest that, that's worked when, you know, when my mom suffered through cancer for a long, long time. And I think she had some extra years to her life, thanks to you. John Harricharan: Actually three years.
Thursday, 1 September 2016
Mortgage 101 rational decision making
A big part of getting approved or rejected in the mortgage process lies in your ability to make rational, unemotional decisions. It's essential that you separate yourself from the emotional issue of getting a house and approach the whole process like a business. People get a bit goofy when it comes to money… especially when it comes to their money and in the case of the getting a mortgage you're talking about the most money anyone will ever spend. As a result, if you can take the emotion out of the equation your chance of making the right decision will increase dramatically. If not, you could be in for a tough road because people who make mortgage decisions based on emotion - make mistakes. Mistakes = Emotion + Money Those who take their time and make decisions based on the reality of their individual situations enjoy much greater success when you look at their overall financial situations. The following questions are designed to help you determine how long you expect to be in a prospective new house or hold a mortgage. They should also help you to do the necessary soul searching "before" you make such a huge decision. In fact, the length of time you keep a mortgage may be the most important financial question you need to answer because how you answer it will determine the strategies you need to follow when selecting and paying off a mortgage. The bottom line is that only you can make the decision because only you know your position in life now and only you can make the decision on what direction to take your life in the future. Personal Questions 1. How long did you live in your last house? Why did you move and is that a recurring factor in your life? 2. Are you expecting any major life-style changes? 3. Any major health concerns in your life? 4. Is this going to be your last house before retirement? Family Questions 1. Are you expecting any new family members (i. e. children, elderly parents, etc.)? 2. When will your children be moving out? 3. How stable is your marriage? Financial Questions 1. Am I expecting a promotion or job transfer? Am I transferred at regular intervals? 2. How is my overall job stability? 3. Are you planning on retiring soon or are you just entering the work force? 4. Is this an investment property with long term rental potential? 5. Instead of selling this house when we move, could we rent it out? Economic / Geographical 1. Are property values going up or down in the neighborhood? 2. Is the local school system acceptable? 3. What are the property taxes? 4. What is the overall economic condition of the area - city, county? 5. Are there any long term changes expected such as roads, schools, malls, etc.? Location / Neighborhood 1. How long will this house meet our needs? 2. What is the condition of the house? Any major repairs needed? 3. If this is a starter home will it be too small in a few years? 4. How are the neighbors? 5. Does the overall condition of the neighborhood appear to be improving or deteriorating? 6. Are you buying this house only because it's all you can afford? Of course, there's many more questions that could be asked but for purpose of this article let's take a look at some examples that will demonstrate how answering particular questions will help you in determine what type of mortgage to pursue - 30 year fixed, interest only, 2/28 ARM, 15 year fixed and so on. Example 1 - If you lived in your last house for about 10 years and the house before that for about the same amount of time, odds are you'll live in the next one for lengthy period of time also. Therefore, you should accordingly and thus you may want to look at either a 15 or 30 year fixed mortgage. Example 2 - If this is your first house and you plan on moving out as soon as you can afford it then plan on the best mortgage for being in a house for a short period of time. An interest-only or 2/28 ARM mortgage may be the route to go. The 2/28 ARM is fixed for two years and then the rate goes up (it's adjustable) but if you plan on moving quickly anyway the first two years is will be lower than a fixed rate mortgage and thus it will save you money. Interest-Only mortgages are usually amortized over 30 years, just like a 30-year fixed but since you are only paying the interest the payments will be lower. Therefore, if you would like to lower your payments and possibly use the extra money to save for a down payment on your new home then an interest only mortgage may be a good option. Logical Decisions + Effective Planning + Money = Success Although it's difficult, if you remember to approach the purchase of a new home as a business decision and not as an emotional one the odds that you'll make the right decision will be greatly enhanced. This article may be reproduced only in its entirety.
Party planning for dummies
Planning for a party is no small stuff. It can be really hard to plan for any kind of party and the more important your party is the more stress you are bound to be under. It is a good ting for you that I am here to write this spectacular party planning article to help you to plan the perfect party for any occasion. Party planning needs to start with a budget. You cannot just go out and start purchasing things willy-nilly without a budget and a plan. SO begin your party planning with making up a good budget. How much money do you have to spend on your party? Decide on a reasonable amount and then break this party planning budget down into sections. Your party planning sections should look something like this, food, decorations, party favors, and plates, cups and napkins. Once you have this stage of your party planning finished you can then start filling in the columns. How many dishes will you need? Is this the kind of party that requires party favors? This is one of the most important aspects of party planning and it is what will make your shopping for your party much, much easier. Once you have a defined list you can go out and start your shopping. Party planning can be stressful, sure, but it should also be fun. After all you are planning for a party, so enjoy it! The food that you choose for your party is important to the entire event. You will have to take into consideration what kind of party it is that you are having in the party planning stage. For example, is your party planning being done for a birthday, or an anniversary? Is your party planning being done for a theme party? These types of things matter when you are trying to choose the foods that will suit your party to perfection. IF you are having a themed party then have foods that suit it. If you are having a luau themed party have Hawaiian foods and drinks or if you are having a Christmas party then have Christmas themed foods. This is just smart party planning and it will make your party all the more fun for everyone.
Home decor the finishing touch
You have already spent time, money and resources, preparing your home with new paint, wall paper, tile, and carpet, or whatever it took to get to this point for what I call the finishing touch. Let’s start one room at a time, first move everything out except your very large furniture pieces. Now sit down and look around, are you satisfied with your present furniture, if not consider reupholstering your furniture pieces or you may head out to a couple of furniture stores and check out there selections and prices. Maybe you decide that what you have is fine, that’s okay. Whatever choice you make, if it’s new furniture, new fabric or keeping what you have; make sure it blends in color wise to your room. Now you have the appropriate furniture in place, let’s look at your window and doors. Unless you live in the perfect year round climate or have the latest insulating windows installed, you may want to consider some form of curtains or drapes that will insulate from the cold and the sun. There are fabric or vinyl curtains, wood or vinyl shutters, blinds and shades that may help. Windows and doors give you views and if you’re satisfied with these views, then take advantage of it. Expose your views by rolling up or sliding back or folding open your drapes, shutters or blinds. Of course these drapes, curtains, shades and blinds come in an assortment of colors and fabrics combos. So take heed and select an appropriate color combination. You can get additional tips by checking out certain stores that sell these products or get an interior design book to register some ideas. Enhancing the views, with these proper window dressings, will greatly improve the atmosphere within the room. Okay, start to return slowly other pieces to the room, the largest objects first. You’ll know in your heart, what should go and what should stay. Try moving your items to different parts of the room; view them from different positions as well. Feel what is comfortable to the eye. Alright, we got these in place, hold it there, and let’s work on the wall dйcor items next. Wall dйcor is anything that hangs from the wall except lighting and that to could be considered dйcor. So we can have framed art or art without frames or even open frames over a wall to give it a certain taste. Metal, wood and plastic can all be relevant in the creation of art hanging objects. Tapestry is a form of heavy woven cloth that can also grace your homes walls. You can have things like clocks, mirrors and other personal decorating touches put directly on the walls or on shelving of some sort. In the placement of wall art, take your time and choose the proper eye height, have someone hold a picture while you decide on the location. If you’re working alone, use some painter’s wall tape, and then make an outline for your art piece, this tape removes easily. If you have several pictures, make some sort of arrangement depending on the size of the frames. Try different locations for your wall art dйcor till you got the right look and appeal, in the placement of your framed art. Bring in your light fixtures, start with the larger floor lamps, then your table lamps, plug them in and turn on. Do you need any additional lighting, maybe an overhead fan with lights or perhaps wall sconce lighting, to brighten up a piece of art work. If you need more than floor or table lamps you might have to have some electrical work done. So think about that. Everything else comes back in the room now; you may decide to replace a few things, that'll be okay, try not to overcrowd your room. Proper placement and those certain decorative touches will improve your look.
Cleaning made easy
Finding time to clean in a fast-paced environment has become more of a chore than ever. Women with hectic schedules can attest that convenience and effectiveness are key when dealing with the overabundance of stains, smudges, dirt and grime encountered daily. While cleaning is never a preferred activity, there are surefire methods to make the process less excruciating. Check out these helpful hints to save some extra time and energy: Removing Red Wine Stains From Upholstery There's nothing quite as unsightly as a red wine stain on a light-colored couch or love seat. To remove red wine stains from upholstery, simply blot the area with a paper towel and sponge with warm water to dilute the stain's concentration. Blot again and sprinkle talcum powder on the remaining stain. Let the powder stand for 2 or 3 minutes and then brush off. Repeat the sponging and blotting if the stain remains. Removing Burned Food From Pots and Pans Scorched food on pots and pans can cause a real headache when it comes to washing dishes. Often, no amount of elbow grease will remove a stubborn burned spot. Try pouring full-strength bleach on the scorched area and let it soak for 10 or 15 minutes. Fill the pan with hot water and continue the soaking process. This should clean off the entire area of burned residue. Remember to wash the pot or pan with soap and water to remove any leftover bleach. Quick and Easy Cleaning at Home and On-the-Go Women who want an easy-to-use cleaning tool with on-the-run convenience should use the WD-40 No-Mess Pen. Designed specifically to meet the needs of women, the No-Mess Pen is the perfect tool for removing sticker adhesive from picture frames and clothing; erasing crayon marks from floors, walls and counters; and getting rid of scuff marks on floors and other surfaces. The WD-40 No-Mess Pen-the size of a highlighter-is low in odor, allows precision application, and is a handy item to keep in a laundry room, kitchen utility drawer, office desk drawer or garage. The pocket-sized, pen-shaped applicator is also ideal on-the-go, fitting into pockets, glove compartments, tool kits, purses, travel bags and just about anywhere else. Young artists may forget where the artwork ends. Don't worry. A special, no-mess pen makes it easier to remove crayon marks.
Click on your choice secured loans online
Need a loan? Hundreds of loan lenders offering you numerous loan packages at various interest rates and terms and conditions. You put all your efforts and did lot of research by visiting every lender’s office, talking to them, studying there quotes. Finally you selected a lender with loan package suiting to your needs. You took the loan but then you came to know about a lender which is offering you the interest rates and other terms and conditions better than the one you chose. Then what you will do????????? The answer is nothing; you now have to pay on the rate at which you have taken the loan. Secured loans online is a better option in this case as you can find the best deal just by clicking few buttons at your workstation. With the availability of internet at every place, applying for a secured loan online is a matter of child’s play. There are numerous websites which you can surf along for getting your kind of loan package. In addition to this, secured loans online carry unmatchable benefits which are: • Loan procedure is simple and convenient. • You don’t have to go to lender’s offices for quotes. • Most of the websites provide free quotes. • You can compare different quotes very easily. • You can borrow up to 125% of the value of collateral offered • Readily available for the borrowers. • No upfront fees. • Speedy loan approval for your urgent needs. • Reduced paper work also saves time. • Online lenders can arrange best deal for people with bad credit. • You can always make a phone call if you are confused regarding terms and conditions. • You are always updated regarding your transactions. • Your personal and professional details remain confidential. Secured loans online as the name suggest is secured by certain collateral. These loans are at low interest rates. The repayment term and conditions offered by the lenders are flexible enough to suit your needs. You can draw amounts ranging from ₤50000 to ₤500000. The tenure for repayments is between 12 months to 25 years. Online options also provide you facilities such as loan calculators, comparison tools, online application for which hardly takes few minutes to fill. You just need to have details like name, address, employment history, current income, length of residency at the present address. When you complete the enquiry form, your details are passed to leading finance companies. You will then be contacted, usually within a few hours, with an in-principle decision on your application. Secured loans online cater to your need of funds for buying home or business purpose or just for holidaying purpose. Their multipurpose usage and easy availability is making them attractive and popular among borrowers. So what are you waiting for???? Start your computer and start shopping for a secured loan online.
Give your wedding favours the personal touch
One wedding seems to blend into another and looking for alternative ideas can be a struggle. Here are some great tips for making your wedding favours as unique as you are! Ensure your wedding favours are unique wedding favours, encompassing everything you and your partner are about. Rather than going for traditional boxes or nets, why not design your own cookie wedding favour? A personalised wedding favour is so much more memorable for the guests who attend your big day. Many brides are now purchasing personalised ribbon for wedding favours. This way, brides can choose from a wide selection of favour boxes and organza bags and turn them into a personalised wedding favour by adding personalised ribbon. Most couples choose to have their names and wedding dates printed on personalised ribbon for favour boxes, although some brides do have the guests names also printed on ribbon - a great idea for a place setting too. Another way of providing guests with a personalised wedding favour is by attaching a tag. This personalised wedding favour tag may state the names of the bride and groom along with their wedding date or the wedding venue name or a short message from the happy couple to the guests. A unique wedding favour such as this is well received by the guests and once the contents have been consumed, there is something left to have as a keepsake. In essence, all brides try to offer unique wedding favours to their guests but there is nothing worse than receiving a gift similar to one you have previously received at a wedding. Bear this in mind when you are deciding which wedding favours to offer your guests at your wedding because people do remember a unique wedding favour or a personalised wedding favour more than one which is non specific and seemingly not very well thought out. Of course, not all unique wedding favours are edible. There are many gifts that can be given to wedding guests that are inedible such as wedding favour coasters, photo album favours, picture frame wedding favours and candle wedding favours. These are just as easy to present as personalised wedding favours, again with the addition of personalised ribbon or a personalised tag. Your guests may well be equally impressed with your innovative and novel ideas as you provide them with a quality alternative to edible wedding favours. Instead of spending out on wedding favours, some brides choose to offer guests a piece of wedding cake beautifully presented in a personalised wedding favour box or a pretty organza bag. For brides who choose to give their guests some cake in a bag, they can attach a personalised wedding favour tag or tie the top with personalised ribbon. Either way, it is a lovely way of being a bit different and really offering your guests a unique wedding favour exclusive to you.