Wednesday, December 24, 2008

Ten Rules for Happier Living

Happier living is a good thing. However, we sometimes feel it is much like an end hard to attain. But, why should happiness be just a tool, a means to an end? It's a good thing in its own right, a better way to be. And it's not that hard to achieve. Just focus on all the good things you have and are a part of. Just try think different way. A proper relationship with God of course is the foundation for happiness. But to fully experience that happiness in daily life, we must build on that foundation in practical ways. This must be simple, easy, fun thing that we can all do. This is practical ways from Ten Rules for Happier Living:

1. Give something away.
2. Do a kindness.
3. Always give thanks.
4. Work with vim and vigor.
5. Visit the elderly and learn from their experience.
6. Look intently into the face of a baby and marvel.
7. Laugh often—it’s life’s lubricant.
8. Pray to know God’s way.
9. Plan as though you will live forever—you will.
10. Live as though today is your last day on earth.

These are great ideas for living a happy life. Life is good chances for us to be happy. We all have them, why not make them work for us rather than against us? Practice each of these rules with praise, and your happiness will be complete.

One thing to note: however, living happily sometimes takes no effort to achieve. There are times when happiness is in the air, and all you need to do is open yourself to it and allow it to enter your soul. We're now and here in such a time. Just experience it, just don't shut it out. Happiness means what you are. So happiness ultimately is not a goal to achieve. It's what we are, it's our true existence.

Sunday, December 21, 2008

Perseverance

Perseverance can be translated as continuing in a certain course until we have reached a goal or objective, regardless of obstacles, opposition, and other counterinfluences. Perseverance is an active characteristic. It is not idly, passively waiting and hoping for some good thing to happen magically. It gives us hope by helping us realize that we suffer no failure except in giving up and no more trying. When some people have a hard duty to do, they may give up everything else until that duty is finished. You can find inspiring examples about the fruit of perseverance.

The need to persevere is stated in the following words:

“Genius is only the power of making continuous efforts. The line between failure and success is so fine that we scarcely know when we pass it; so fine that we are often on the line and do not know it. How many a man has thrown up his hands at a time when a little more effort, a little more patience would have achieved success? A little more persistence, a little more effort, and what seemed a hopeless failure may turn into a glorious success. … There is no defeat except within, no really insurmountable barrier save one’s own inherent weakness of purpose” (author unknown, Second Encyclopedia, ed. Jacob M. Brand, Englewood Cliffs, N.J.: Prentice Hall, 1957, p. 152).

Perseverance is so central to success in any effort, whether spiritual or temporal, large or small, public or personal. Think deeply of how vital perseverance, or the lack of it, has been in your own endeavors, such as schooling or finance. All key achievement results largely from perseverance. John Milton was blind when he wrote Paradise Lost. Ludwig von Beethoven was deaf when he finished his greatest musical compositions. They succeeded not only because God had given them gifts, as he has each of us in varying degrees, but because they did themselves. Probably some of us now are facing great problems and obstacles. However, we each have our own challenges and trials to solve as we strive to keep on the right track. Often the most crucial trials are those we must face and subdue privately within our own hearts. We will learn a lot about life as we overcame problems - sometimes it is not easy, but it's not meant to be easy. It's the challenging times and experiences that make us better and stronger people. Maybe we still don't know exactly what the results but by perseverance we will realise that if we do things that make us go on, we will get somewhere that we want to be and we will find happiness along the way.

Thursday, December 18, 2008

Yes I Have A Very Big Problem

If you feel that life was not easy, if you've got some problems seem endless, you need your self-initiated recovery. A first step in the recovery process is facing the fact that our suffering is unlikely to magically overcome on its own. We must come to grips with the fact it will take some perseverance and determination to change the way we have suffered over the years. Although this may sound hard or impossible at first, constructively working at changing your situation often demands less effort and stress than continuing to fear it. Maybe we expend enormous energy in attempts to hide our suffering, and/or push and force through it. And this improves the feelings of helplessness in the wake of its acute presence.

In a matter-of-fact manner, acknowledge that you have acute problem and suffering. We know that people often view their suffering as embarrassing and shameful. As a result of such perceptions, we may shroud our suffering in a "conspiracy of silence." Unsurprisingly, family, friends, and co-workers know it, and are usually unsure of whether or not to maintain contact, talk about it, etc. Such uncertainty may create uneasiness and discomfort in ourselves.

However, much of the uneasiness and uncertainty felt by us can be significantly reduced by acknowledging in an open and matter of fact manner that we have big problems. If we choose, it also gives us an opportunity to talk about it and "gives us permission" to openly share the problem. Disclosure is a proactive strategy that affords us the opportunity to address our problems in a matter of fact. Doing so increases our comfort level because we begin to see our problems in a more positive light. This new perception finally facilitates changing our view of problems and suffering as the "shameful." The situation got better when we finally began to talk about it and it did not seem so bad. We opened up to a friend and it all spilled out in tears and emotion as we realized that people did care about us. It was like a huge weight had been lifted from our shoulders. The time will come when you can see tragedy and comedy clearly.

Changing situation needs persistence and determination. However, your recovery process really needs less effort, struggle, and embarrassment than the negative emotionality felt when we live a life focused on hiding, concealing, and fighting the problems. Hiding or fighting demands a huge number of vigilance and surveillance, and this only tends to feed the destructive cycle. There are many people who have made significant achievements in releasing themselves from the handicapping grip of their acute problems. Many have become so well-recovered that most people are unaware they have experienced big problems. They really live a new day, a new life.

Wednesday, December 3, 2008

Happiness

A saying by anonymous that I totally agree with: Happiness come from within and neither things nor people can make you happy if you are not happy within yourself. You can love someone with all your heart but it won't make you happy. Owning a castle and all the money in he world doesn't give happiness either, but peace within yourself and loving yourself is the key to it all. "The happiest people don't necessarily have the best of everything; they just make the best of everything they have."

Tuesday, December 2, 2008

Barber Shop : An Article

A man went to a barber shop to have his hair and his beard cut as always. He
started to have a good conversation with the barber who attended him. They
talked about so many things and various subjects. Suddenly, they touched the
subject of God. The barber said: "Look man, I don't believe that God exists as
you say so." "Why do you say that?" - asked the client. Well, it's so easy, you
just have to go out in the street to realize that God does not exist. Oh, tell
me, if God existed, would there be so many sick people? Would there be
abandoned children? If God existed, there would be no suffering nor pain. I
can't think of a God who permits all of these things." The client stopped for
a moment thinking but he didn't want to respond so as to prevent an argument.
The barber finished his job and the client went out of the shop.

Just after he left the barber shop he saw a man in the street with
a long hair and beard (it seems that it had been a long time since he had his
cut and he looked so untidy). Then the client again entered the barber shop and
he said to the barber: "You know what? Barbers do not exist." "How come they
don't exist?"-asked the barber. "Well I am here and I am a barber." "No!" - the
client exclaimed. "They don't exist because if they did there would be no
people with long hair and beard like that man who walks in the street."

"Ah, barbers do exist, what happens is that people do not come to me."
"Exactly!"- affirmed the client. "That's the point. God does exist,
what happens is people don't go to Him and do not look for Him that's why
there's so much pain and suffering in the world."

Jai Srimannarayana

Monday, December 1, 2008

How to Make Money in Real Estate Investing

Lower Your Taxes

Tax incentives for real estate investors can often make the difference in your tax rates. Deductions for rental property can often be used to offset wage income. Tax breaks can often enable investors to turn a loss into a profit.

For which items can investors get tax breaks? You could claim deductions for actual costs you incur for financing, managing and operating the rental property. This includes mortgage interest payments, real estate taxes, insurance, maintenance, repairs, property management fees, travel, advertising, and utilities (assuming the tenant doesn't pay them). These expenses can be subtracted from your adjusted gross income when determining your personal income taxes. Of course, these deductions cannot exceed the amount of real estate income you receive. In addition to deductions for operating costs, you can also receive breaks for depreciation. Buildings naturally deteriorate over time, and these "losses" can be deducted regardless of the actual market value of the property. Because depreciation is a non-cash expense -- you are not actually spending any money -- the tax code can get a bit tricky. For more information about depreciation and various tax alternatives, ask your tax advisor about Section 1031 of the U.S. Tax Code.

Have a Positive Cash Flow

There are two kinds of positive cash flows: pre-tax and after-tax. A pre-tax positive cash flow occurs when income received is greater than expenses incurred. This sort of situation is difficult to find, but they are usually a strong and safe investment. An after-tax positive cash flow may have expenses that outweigh collected income, but various tax breaks allow for a positive cash flow. This is more common, but it is generally not as strong or safe as a pre-tax positive cash flow.

Regardless of what kind of real estate you choose to invest in, timely collections from your tenants is absolutely necessary. A positive cash flow -- whether it be pre-tax or after-tax -- requires rental income. Be sure to find quality tenants; a thorough credit and employment check is probably a good idea.

Use Leverage

One of the most important factors in determining a solid investment is the amount of equity you are purchasing. Equity is the difference between the actual worth of the property and the balanced owed on the mortgage.

Benefit from Growing Equity

While investing in real estate is relatively complex, it is often worth the extra work. When compared to other financial investments, like bonds or CD's, the return on investment for real estate purchases can often be greater.

The key to real estate investing is equity. Determine an amount of equity that you want to achieve. When you reach your goal, it's time to sell or refinance. Determining the proper amount of equity may require the assistance of a real estate professional.