personal

Self Improvement And Meditation Make Good Working Companions

Just thinking more positively could improve yourself and your life. The following article offers many useful tips that you can use to begin your personal development journey.

When working on your personal development, it is often helpful to see what others have done. Pay special attention to their mistakes, as well as their overall strategies, so that you don’t have to learn the hard way. Read up on what they did to apply the lessons in your own quest toward positive personal development.

It is said that you have two ears and one mouth, because you should listen more than you speak. This especially holds true for developing yourself. You should tune in to your own needs and desires when thinking or talking to yourself. To better yourself as a person, you need to listen to yourself.

In order to get as much as you can out of your efforts with personal development, you need to take care of your body physically. Simple activities like getting enough sleep, regular exercise and a healthy diet help your energy level remain high, giving you a greater chance of success on your personal development quest. A healthy body makes it easier to concentrate on personal development, even though it may be a challenge.

Try to spend less time bragging about your own accomplishments, and take the time to ask people about what they’ve done. This will help you to find some of the amazing things that people can accomplish, and help you to respect them more.

One way to make progress in your life is be humble. Understand that you are one part of the bigger picture. If you admit that you are simply a tiny part of this world, you will begin to recognize how much you still have to learn. After accepting this fact, you will have a desire to seek out knowledge, which will cause you to grow and develop as a person.

Praise others, flatter them, and show your appreciation. By being kind to others, you will also begin to care about yourself more.

Look for the things you admire or appreciate about others and give them compliments. By being proactive and reaching out, being nice to others will help you to treat yourself nicely as well.

Make sure that you have specific and tangible personal development goals. Realistic and specific goals allow you to create a better plan to achieve those goals. This will help you go over obstacles and enjoy your successes.

Your body affects your mind and your moods. Exercise regularly and eat a nutritious diet. Your mind and body must both be healthy to feel your best.

Read several highly-rated books on personal development. Having a good personal development book can give you insight and advice that will make a difference in your life forever. Always check serious reviews of a book before you buy it because some books are very poorly written.

A successful leader has the power to put their wishes into action, …

business, finance, insurance, personal

10 Richest Canadian Billionaires – Find Out How They Got So Rich

Canadian Billionaires – Who are the Richest People in Canada?

Almost all annual listings of the world’s richest people mention the same names year after year. On the top of these lists you will find Bill Gates and Warren Buffet. Although the lists are generally accurate, you will often observe an American-centric pattern, wherein entrepreneurial skills and wealth of the country’s northern neighbor are often overlooked. Canada has its share of top richest people and even if recession has affected the Billionaire Balance Sheets of 2008 to 2009, the top richest people in the world have $2 trillion in asset valuation. Forbes, the trusted magazine all around the globe when it comes to entrepreneurial stories and news, came up with the list of 10 richest Canadians for 2009. The list includes a brief background on how these top 10 richest Canadians became very wealthy and successful. All figures below are in US dollars, unless otherwise stated.

1. David Thomson and family – media conglomerate – $13 billion

David Thomson is the reputed grandson of Roy Thomson who is the founder of the Thomson Corporation. The company started out as a book publishing enterprise. Today, it continues to be one of the premier textbook providers for higher education in the world. The company grew even more as it got involved in information technology and electronic media. It dominates the healthcare, science, financial services, and the law sectors. It acquired Reuters News last 2007 and is currently known as the Thomson Reuters.

2. Galen Weston and family – retail – $5 billion

This family owns a couple of giant retail establishments in the UK and Canada, which include Loblaws, Selfridges, and the Holt Renfrew. Galen Weston is the descendant of George Weston, who founded the George Weston Bakeries Ltd. as a food business. Weston’s Loblaws is the largest retailer in Canada, with net sales amounting to more than $30 billion Canadian dollars in 2008.

3. James, Arthur, and Jack Irving – oil and other natural resources – $3.9 billion

The Irving brothers are the sons of the Canadian oil king billionaire K.C. Irving, who passed away in 1992. The three brothers took over the family’s natural resource holdings and divided these based on their personal responsibilities and expertise. Arthur Irving manages the Irving Oil and its various retail sites in Canada, plus transportation and refineries. Jack Irving, on the other hand, handles the engineering, steel fabricating, and construction entities of the company. James Irving is the one handling the parent company, which focuses on forestry, shipbuilding, and other types of transportation.

4. Paul Desmarais, Sr. – transportation and finance – $2.6 billion

Paul started out as the manager of their family business, the Desmarais’s bus service. He began to acquire other lines and created a holding enterprise that eventually branched out to other fields such as life insurance and publishing. He always made sure to personally oversee the financial aspect of his businesses. As of today, Paul’s Power Corporation of Canada …

money, personal

1 Best Lottery Forum Online – Best Lotto Discussion Forum

If you want to be triumphant in captivating lottery winning numbers, read this article. It will teach you how to become a lottery winner.

Lottery is a type of gambling that has the element of chance. Well, all forms of gambling has that element. Skills may be needed in various forms of gambling, but in lottery skills are not needed because each winning numbers come out randomly. Some lottery winners revealed that their winning combinations came from their dreams. Some reveal that they get their numbers from combinations of their family member’s birthdays, ages or a combination of their favorite numbers. Some say that they have been playing their combinations for some time now and some say they just played it today and won! Or is it really luck that gave them the jackpot?

Winning the lottery has been everybody’s dream. Anybody may dream to become a winner in the lottery for his own personal reason. But did it ever occur to you how it feels to really be a winner and realizing all your dreams have come true? Or after enjoying the winning money, you suddenly realized that the money is gone?

Here is an excerpt from a testimonial of a lottery winner who realized that lottery winning numbers that gave her the jackpot only compounds problems for some people even though they already have lots of money.

“Winning the lottery isn’t always what it’s cracked up to be”. This winner won the New Jersey lottery in 1985 and 1986 respectively. Everybody wanted her money. Everybody had their hand out to ask money from her. She did know how to say “no” and that started to cause her to lose her money. She played a lot of casino games particularly slot machines and lost most of her money there.

Though not all winners had bad and horrible experiences with their money. There are various winners who did make wise and astute decisions for their money. Here is another revelation of a lottery winner who had previous unlucky experiences.

A Croatian music teacher who was not known for her music capabilities but was famous for his copious escapes from fatal accidents won $1,000,000 dollars in the lottery. He escaped from a derailed train, a bush crash, a car in flames and another two car accidents. Despite of all his unfortunate experiences in her life, he can still be considered lucky because he won the lottery by using significant numbers or dates from his experiences. He used these numbers to create his own winning combinations. You too can opt to use the significant dates in your experiences to create your own lottery winning numbers.…

business, money, personal

The Multimillionaire Mindset Vs The "normal Mind"

A man observes evergreens growing along the roadside and thinks that they look pretty, covered with snow. Another man sees the same trees and thinks, “These trees would look good in people’s living rooms at Christmas. I wonder what they would pay for them?”

The first man has an ordinary mind. The second, the mind of a natural-born moneymaker.

In The Prime Movers, Edwin A. Locke provides some interesting insights into the way moneymakers think:

He argues that an active, inquisitive mind is a hallmark of the successful entrepreneur. The most successful entrepreneurs in history, he says, had this sort of mind.

    * Thomas Edison: He was a “virtual thinking machine. Almost until the day he died, his mind poured forth a torrent of ideas, and he might track as many as 60 experiments at a time in his laboratory.”

    * Steve Jobs: He bombarded people with his ideas – his investors, his board of directors, his customers, his subordinates, and his CEO.

    * Henry Ford: “He threw himself into every detail, insisting on getting small things absolutely right… But he never lost sight of the ultimate, overall objection. He had a vision of what his new car (the Model T) should look like. From all the improvisation, hard thought, and hard work came a machine that was at once the simplest and the most sophisticated automobile built to date anywhere in the world.”

This is the first of several essays I’ll be writing on this point: how to think like a multimillionaire (taken from the concepts I’ve learned from 2 multimillioinares that are my personal mentors).

And here’s the goal: to help you discover exactly how they do what they do by figuring out how they think. If you study this and subsequent essays seriously – and implement the suggestions I’ll be making – you may be able to “upgrade” your brain to one that will allow you to have the kind of life they enjoy.

To get started, here are some observations I’ve made from studying my two multimillionaire mentors and from reading about great wealth builders like Jobs and Edison and Ford.

1. A “normal” person is concerned with protecting his ego. When dealing with a problem he doesn’t really understand, he pretends he understands the contributing factors and doesn’t try to find out what anyone else thinks. A person with a multimillionaire mind asks questions incessantly.  He has no ego when it comes to learning. He knows that knowledge is power.

2. A “normal” person has a consumer mentality. He looks at a hot new product and thinks about how he would like to own one. A person with a multimillionaire mind has an entrepreneurial men-tality. He looks at it and thinks, “How can I produce this or something similar in my own industry?”

3. A “normal” person is wish-focused. He daydreams about making gobs of money. A person with a multimillionaire mind is reality-based. He is always analyzing his own success and the success of …

personal

Money and Divorce – What do Courts Look At?

One of the most stressful aspects of divorce proceedings is trying to divide the family assets between both parties. Any distribution made should fair and proportionate.

The following information is a basic outline of the court procedure used to achieve a financial settlement in a divorce and what factors are taken into consideration when this is accomplished.

Taking the case before a court

Parties will need to have obtained all the relevant financial information from each other prior to taking the case before a court. If this has not happened then either party can apply for ‘Ancillary Relief’. Ancillary relief is the formal process of gathering and presenting all the necessary information required pre to a court hearing. The following procedure is normally used:

– The applicant for ancillary relief sends a notice to the court indicating what claim is being made.

– The court then books the case a first hearing within 6 to 12 weeks of the application.

– 5 weeks before the first hearing both parties must have completed Form E (a court document showing details of their financial information) and sent this to each other. A copy of this form must also be sent to the court.

– At least 2 weeks prior to the first hearing both parties must provide each other with the following documentation; a list of what they consider to be the key issues, a timetabled history of the case and a questionnaire detailing any further financial information that they require from the opposing party.

The first hearing

The initial hearing of the case is in a court before a judge. This usually takes about 30 minutes and the point is to discover where there are potential grounds for settlement. The procedure is instigated via the completion of Form A (this form informs the court that you require a judge to decide how to divide your matrimonial assets) a fee of £210 is paid with this form. If the ancillary relief procedure has been used then the court will begin by checking the reasonableness of the requests of each party contained in the pre hearing questionnaire. The judge will move the case along by looking at the all the information provided. At this point the court may feel that some vital information is still outstanding, if so, the judge will instruct either party to go away and come back with the appropriate information or documentation. For example you may be requested to produce a valuation of your matrimonial home.

At the end of the hearing the court may order an appointment to be made for financial dispute resolution.

Financial dispute resolution

Unlike other forms of dispute resolution, this process is still heard in front of a judge. It is however a more informal procedure than being in a court hearing. Solicitors from both parties will present brief details of the case to the judge. He/she will suggest ideas for settlement which will include dividing family assets fairly. If the parties reach a …

personal

What Is An Expert Manifester?

We have all heard of different experts. We have experts in about every topic and endeavor possible. So, a thought flashes in my mind – if all these are experts how would I define an expert manifester. Well it is something no one else has dared to try, so I will try here.

Think of this article like a job description, and a job description which you want to discover for yourself. Anyone in personal development will set a goal at some point, so striving to become an expert manifester is something we all should earnestly want to master.

So, what is an expert manifester? The name states what it would be, someone who manifests something, and they are an expert at it. This would imply that the person can go from desire to manifestation in a systematic way that allows the expert to manifest almost all of the desires.

Now, achieving this is not going to be easy. And not all goals we set will manifest. The aim however, is not to manifest all your goals, but to manifest the most important ones. This information is essential, because consider a life goal which is estimated to take a decade. You will want to make sure that you have the odds in your favor!

So, what are the tools of the trade for an aspiring expert manifester? When we say manifestation, often we will think of a great secret, perhaps the law of attraction.

Though the law of attraction is a principle part to making desires become reality, there are other parts that will go into making this work for maximum benefit.

Goal setting becomes a paramount task. After all, without a goal – a desire, you can’t hope to manifest what you don’t know!

Now, you have a goal, but what about the process. We find that a goal setting system becomes essential. Meditation can be put in here – for time to think and put it onto paper.

Action is also an integral part of the process of becoming such an expert. However, you have to realize that there is a process. And this process must be done in a correct sequence. Without desire, and goal setting, then action and attraction can’t happen.

Achieving that coveted 100% success rate is not going to be easy. There will be a need to keep learning, keep applying, and ultimately keep tweaking your formula for success.

Over time, as you achieve, you will go onto bigger and better goals. As you do, you will find that it becomes easier, and you can figure out how to increase the chances for success.…

personal

How to Keep Your Dog from Digging Under the Fence

It’s a problem that makes you want to pull your hair out. You spend so much time manicuring your lawn, taking the time to mow and water it.

You put forth all this effort just to find out that your dog has been digging under the fence the moment you let your gaze drop from him.

Having a dog that digs under the fence or around the lawn in general is a common problem that makes dog owners go wild with frustration. I should know. I’ve been there myself many times before.

The question runs through your mind every time you glance over a new hole in your yard or near the fence…

“How do i stop my dog from digging?”

It’s an expensive problem as well. If you care about your lawn, you probably take the time to repair some of the digging damage. Not long after, you discover your little buddy has torn up a new hole for his amusement.

Here, I’ll be showing you how you how to stop a dog from digging out and give you some peace of mind.

Afterall, you can’t be expected to watch your dog 24 hours of every single day.

Obviously, you will eventually need to take a shower, cook dinner, put your baby to bed or do some other task that requires your own personal time. So these tips will show you dog training to stop digging behavior as well as build trust between you and your pet.

Why Your Dog Is Digging

There are many reasons your dog is digging under the fence. Firstly, let’s be honest. He’s a dog and just doesn’t know any better. But there are 3 fundamental reasons for his digging.

Once you know the root cause of his digging obsession, you can take the right steps to stop your dog from digging out your lawn.

Here, I’ll be showing you the corresponding training response to the associated root cause of your dog digging under the fence.

  1. Escape

Your dog may have the urge to escape in order to get to something, explore or go somewhere in his field of vision.

It’s a very common scenario.

The biggest hint that your dog is digging to escape is when he digs along the fence line or under the fence.

Here are Some Recommendations…

Install Chickenwire:
Lining the bottom of the fench with chicken wire that lays about 2 feet from the fence line will stop his digging in no time.

Your dog will be deterred by the feeling of the chicken wire on his paws and stop before any damage is done. Initially setting this up will take a few hours, but think of all the time you’ll save on future groundskeeping.

Ensure that the sharp edges of the wire are facing the opposite side of the fence. Your dog won’t hurt himself on the other side so lay it carefully.

Bury Rocks Along the Baseline:
If setting up a chickenwire barrier sounds like too …

business, finance, personal

Restaurant Career

Studies on the United States’ restaurant and food services sector have shown that the industry is one of the fastest growing, with the number of food managers touted to rise by around 45,000 annually starting the year 2014.

In fact, data from the National Restaurant Association attest to the fact that plenty of job opportunities are available for people both from within and outside the industry. It is for this reason that more and more people are getting interested and increasing their investment on restaurant and food services training and education.

What the Industry is About

The foodservice and restaurant sector covers areas such as catering, casual family diners, fine dining, chef-owned bistros, resorts and casinos, motels and hotels, cruise ships, fast food chains, theme parks, schools, company cafeterias, hospitals and just about wherever the preparation and selling of foodstuff is present.

To date, there are about twelve million jobs in this sector alone. It is one of the most widespread because food is a basic necessity. That’s why many entrepreneurs say you can never go wrong when you enter the food business. Food services exist in every city, state and country, from the most metropolitan of environments to the most quait and far-flung locations. Due to such, employment opportunities in the restaurant industry is always high.

A career in the restaurant and foodservices industry does not mean simply asking the customer if he wants a side of coleslaw to go with his chicken. It is more than that. You will also have to hone your people skills in order to properly interact with the customer, as well as practice stellar hygiene and good grooming. A restaurant that does not demand so from its employees is no good.

In fact, even without the restaurant owner telling you how to conduct yourself on the job, it is your personal responsibility to make sure that customers all satisfied, happy and very much keen on coming back.

What Sort of Training Do You Need?

Most hole in the wall restaurants start from scratch. That is, without the formal education and training to set up and operate such a business. Some of the older and pioneering institutions began from owners’ very own kitchens, without so much as a bachelor’s degree to their names and, still, their restaurants continue to grow and thrive with the times.

However, the industry is growing at around 12% each year and the demands of the customer are getting more and more cosmopolitan. While zero training can be offset by pure dedication and interest in the restaurant and foodservices business, there also are strong arguments in favor of acquiring the right education and formal training needed for the job.

Education is useful given the changing times. With globalization at an all-time high, it is important for those engaged in the food business to keep themselves up to date and knowledgeable with the latest trends. With travel and communications booming at an alarming rate, the restaurant sector has the responsibility to …

business, finance, money, personal

Horoscope of Libra 2012

Libra
Some basic qualities of people born under this sign are:

Well-built intelligence of integrity, extremely good-looking, very much loving brain, ornate mood, flexible talent, terrific research, massive wealth and prosperity, outstanding elder sibling, authority of thought, most excellent respiratory system, So , we can assume here from that people born under this sign are on the whole, romantic, job oriented and probably the top lover than the people born under other Zodiac signs. Librans normally shine in romantic literature, law and judiciary, commerce and far-off projects, trip and journey and so on.

2012 forecast of Libra horoscope is given below.

Libra Moon Sign Horoscope: (2012)
2012 seems much better year than the previous year in all respects. Slowly you will feel rational peace resolutions to different problems. You may face health problems during this year and medical expenditure may increase. Planet Jupiter, symbol of luck and success will aspect your sign almost throughout the year, you should not hesitate to stand up for your privileges.

2012 Love/Family Horoscope (Libra)
This year,Librans will be trying to resolve a difficult and may be impenetrable circumstances in personal and love relationships. Aspect of the Jupiter makes you more brave, stubborn and sovereign that will have an effect on relationships with your spouse. A new love is possible to come in your life and that can have an effect on your presented relations, so a disintegrate will be most expected. Divorced couples will start struggle for joint assets and the future of children in 2nd half of 2012. A romantic encounter is most expected in the month of february, June or 2nd half of August, that can change the entire life indubitably.

2012 Health Horoscope (Libra)
The 1st half of 2012 is looking quite satisfactory regarding health of Librans and no serious diseases are likely to occur but in the 2nd half, however, presented diseases will expose themselves, or latest ones will rapidly become visible. These people are suggested to be more considerate and lessen the danger of distress and mishaps. Progress in family life and familial synchronization is portended. Sleep apnea, gastric problems, arthritis and mental stress designated till the month of July. Remaining year will be affirmative regarding health.

2012 career/ profession/ Horoscope (Libra)
After July, money troubles get resolved and growth in career obviously expected. Promotions and attainments of comfort goods will be there. The tediousness that you have been practicing for the last whole year will be eradicated.

2012 business Horoscope (Libra)
2012 indicates motivating and successful professional life. Beginning of a new project is looking possible . Correspondence with associates from other cities or countries is fairly victorious .Some Librans will think of buying business properties and will be able to put new projects in 2nd half of 2012.Last quarter of January, February, June, 2nd half of August and the month of October are the most successful months of the year. Sadistic disagreements will break out in the 2nd half of 2012 & the month of November will …

money, personal

Air Cleaners Eliminate Many Indoor Air Pollution Sources

Indoor Air Pollution is a Huge Health Risk

According to the Environmental Protection Agency (EPA), Indoor Air Pollution is One of the Largest Health Risks facing Americans today. There are many sources of poor indoor air quality in any home.

Indoor air pollution sources in a home can be as diverse as mothballs, deteriorated asbestos-containing insulation, products for household cleaning and maintenance, personal care, or hobbies; central heating and cooling systems. The importance of any single source depends on how much pollutant it emits and how hazardous they are. Sources such as building materials, furnishings, and household products like air fresheners, release pollutants more or less continuously.

Air Cleaners Remove Pollutants & Promotes Healthy Living

To learn how to effectively remove hazardous air pollutants from your home and improve your indoor air quality, visit www.sanibulb.com today for a simple bright idea. They’ve made cleaning your air as easy as changing your lights with the SaniBulb™ Air Cleaner CFL Bulb. Simply switch over to SaniBulb™ Air Cleaner to provide quality lighting and kill harmful germs without toxic chemicals. SaniBulb™ Air Cleaner uses advanced nano technology and light to destroy lethal germs and air pollutants. SaniBulb™ also deodorizes air while reducing energy costs and saving you money. SaniBulb™ is the new EcoSmart, EnergySmart and HealthSmart Air Cleaners Solution

Air Cleaners can be Used Practically Anywhere

SaniBulb™ Air Cleaners can be used in many commercial and consumer applications to help sanitize the air by simply changing your light bulbs:

Consumer:Homes, boats, RVs, basements, garages, closets, pet areas…

Retail: Pet stores, salons, supermarkets, bathrooms…

Educational: Schools, universities, colleges, dorms…

Commercial: Offices, gyms, day cares, labs, drycleaners, warehouses, manufacturing

Hospitality: Hotels, motels, resorts, cruise ships, restaurants, bars, spas…

Medical: Hospitals, nursing homes, medical offices, morgues, funeral homes…

Air Cleaners are beneficial to your Health & Safety

Using high quality air cleaners in your home and workplace on a daily basis will keep you safer and healthier. By continually destroying germs and chemical pollutants, an air cleaner improves your indoor air quality by sanitizing it and prevents both short and long term harmful effects of chemical and biological contaminant exposure. According to the Harvard School of Public Health and Brigham University medical researchers, the cleaner the air you breathe, the longer you will live.…