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TIP: Use Positive Affirmations | The Simple Self-Improvement Blog

by joannalyns on October 5, 2011

Amplify?d?from ? www.greatist.com

In the literal sense, the brain has no eyes or ears. Instead, it only reacts to the stimuli that it is given and a person?s mental chatter continually affirms his or her personal beliefs. But how can we?maintain or affect these sets of beliefs? One way is?super-simple daily statements called positive affirmations? short, positive assertions that target specific,?subconscious,?self-reflective beliefs. Think of positive affirmations as a kind of DIY positivity brainwashing, but without the scary cult-like associations.

Do The Hokey Pokey and Turn It All Around ? The Takeaway

Affirmations can be the key to redirecting the body?s energy?both in positive and negative ways [1].

So how can a few simple phrases make all the difference? By promoting positive self-image and outlook, of course. But don?t hold on to specific affirmations for too long? out-of-date statements can result in negative effects [2]. Because everyone?s ?inner truths? change over time, it?s important to alter affirmations as personal goals and issues change. And don?t worry if saying new positive affirmations feels like a blatant lie. In the beginning, it?s normal to question new statements and beliefs? in fact, that means the positive affirmations are challenging the subconscious. Keep on keepin on, because it will take some time to change those negative beliefs.

Need some help getting started? Here are a few techniques:

  1. Put it in print: write out a list of 5 to 7 affirmations and put them somewhere that is visible every day.
  2. Try to put it in present-tense only! Phrase affirmations as though they already exist (for example: ?I am happy? instead of ?I will be happy.?)
  3. Always stay positive. Say ?I am intelligent? rather than ?I am not stupid,? for another example.
  4. Use short and simple phrases? and don?t sweat the details (too much).
  5. Keep it believable. Don?t say ?I?m happy with my job? if it?s not true. Say, ?I am working my way up to a better position.?
  6. Finally, look in the mirror while repeating affirmations. Get in your face.

TIP

Success comes in cans, failure comes in can?ts, so ditch the negative, and make way for the positive by using positive affirmations every day.

Read more at www.greatist.com

Technorati Tags: Affirmation, Belief, Happiness, Health, Law of Attraction, Mental Health, self help, Subconscious

Source: http://www.simple-self-improvementblog.com/1409/tip-use-positive-affirmations/

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Watch Out For The Silent Killer-Hypertension! - Fitness and Health

[unable to retrieve full-text content]Everyone talks about hypertension. Many individuals, groups, communities, illness Organizations as good as alternative bodies have shown regard as good as even created about Hypertension. Statistics shows which we ...

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Tomas Holmstrom misses Tuesday's practice ... - Fantasy Sports

Tomas Holmstrom didn't take part in Tuesday's practice due to a knee injury.

Click to continue reading this fantasy sports article at Rotoworld Hockey.

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The Home Equity Loan Versus Line Of Credit Debate | Article Coral

There are a number of factors that actually relate to the subject of home equity loan versus line of credit that should be properly considered in order to make the right choice. For one, before getting involved with the relative merits and demerits of the home equity loan versus line of credit debate you should first find out who benefits the most in either case. This means that you should find out which needs each kind of credit addresses the best and then form the right opinion regarding home equity loan versus line of credit.

When it comes to you doing a home equity conversion and figuring out a way to tap your home equity wisely, there are a few things that you are going to want to keep in mind, a few tips that are really going to help you out here.On the other hand, line of credit suits those who simply need financing for one time.Next, in regard to home equity loan versus line of credit you need to know what makes either credit plan a great option. So, for a person that requires an option in which they get to receive all their cash in one go and who also require flexibility to use their credit anytime and also for any kind of expense, home equity certainly seems the better option.

If you are not able to understand the loan types that are available here and you end up not able to make your payments on time, then you are at risk of losing your home, which is obviously a huge issue.Thirdly, when it concerns home equity loan versus line of credit you will also need to see which kind of interest rates are charged and which option is better for different kinds of interest rates. In the case of home equity, people that need variable rates of interest or fixed rates of interest on the entire or part of their balance this is the better option. On the other hand if all you need is fixed rate of interest then you would be better served in choosing line of credit.

The only people that should worry about a home equity conversion and about going through with any home equity loan at all are those people who have enough free money each month now that they know they are going to be able to easily afford paying another loan on top of the bills that they are already have.
To be sure that you understand what is involved in regard to home equity loan versus line of credit it pays to check with leading banks including Bank of America where you can find some very useful information that makes deciding the home equity loan versus line of credit debate a lot easier.

Talking to a financial advisor will really be the best thing that you can do here, along with doing your own research.It is in fact a loan in which you borrow a certain amount of money within a specific time period and is different to standard loans and even to reverse mortgage since you will not get the entire borrowed sum at the outset. Instead, you can make use of a line of credit which allows you to borrow any amount that is not in excess of the agree-to amount.

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Source: http://articlecoral.com/finance/the-home-equity-loan-versus-line-of-credit-debate

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Drunk Driver Slams Into LeAnn Rimes? Property

Drunk Driver Slams Into LeAnn Rimes’ Property

LeAnn Rimes’ fence was badly damaged after a 20-year-old alleged drunk driver plowed into her property yesterday. The man, who was also driving with a [...]

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Somali militants vow to up attacks after bombing (AP)

MOGADISHU, Somalia ? Al-Qaida-linked militants threatened more terror attacks that will "increase day by day" after a suicide bomber killed 70 people. Mourners transported coffins atop cars Wednesday to funerals for those who perished in al-Shabab's deadliest bomb attack in Somalia.

A truck loaded with drums of fuel exploded Tuesday at the gate of building housing several government ministries in a busy street in the war-ravaged capital. The attack came more than a month after most al-Shabab fighters melted away from Mogadishu amid a pro-government offensive, and showed that the insurgents remain a severe threat.

Al-Shabab spokesman Ali Mohamud Rage identified the suicide bomber as Somali student Bashar Abdullahi Nur. He said the attack was a warning to those who thought the group had left Mogadishu for good in August.

"We wish to inform the Muslim people that the campaign against infidels will be back-to-back and by God's grace will increase day by day and will increase in the coming hours," Rage said. "I will give a good tiding to the infidels: You will face big and broad blows."

Tuesday's thunderous blast covered the city in dust more than a half-mile (800 meters) away and left blackened corpses sprawled amid burning vehicles and dozens wounded. The attack triggered outrage and grief.

"May Allah put them in hell," one Somali woman sobbed as a young man tried to comfort her. She then collapsed near the coffin of her dead son that was placed by a sandy grave.

Sadiya Omar, who lost her husband in Tuesday's bombing, left the scene of the funeral before he was interred, saying it was more than she could bear.

"The world will get no peace while killers like al-Shabab are still here," she cried, her tears dripping through her black veil.

President Sheik Sharif Sheik Ahmed declared three days of mourning and vowed late Tuesday that his government would put in place security measures to avert future bombings. His government is supported by some 9,000 African Union peacekeepers who control only the capital.

"I'm sure the crime they committed against the Somali people will not go unpunished," Ahmed said of the al-Shabab militants. "God will punish them and the government will take appropriate measures to save the Somali people from those dangers."

The bomb exploded outside the Ministry of Education, where students and their parents were registering for scholarships offered by the Turkish government.

"It shows their barbarism and how hell-bent they're to hit the public where it hearts most," he said. "We can certainly say their ideology is directed at annihilating Somali people. What they're targeting is the education."

Maj. Gen. Fred Mugisha, the commander of the African Union Mission to Somalia force, known as AMISOM, said the attack targeted several Somali government institutions.

The suicide bomber detonated the explosives after the vehicle rammed a checkpoint outside a compound housing several government ministries, Mugisha said.

Al-Shabab said it was striking government officials and foreigners ? referring to AU peacekeeping troops.

The U.N. Security Council called the attack a "heinous crime." In Washington, White House press secretary Jay Carney said it was a "despicable and cowardly act."

Although the Islamic fighters made what they called a "tactical withdrawal" from their bases in Mogadishu they had vowed to carry out devastating suicide attacks.

___

Associated Press writer Malkhadir M. Muhumed in Nairobi, Kenya and Anita Snow at the United Nations contributed to this report.

Source: http://us.rd.yahoo.com/dailynews/rss/terrorism/*http%3A//news.yahoo.com/s/ap/20111005/ap_on_re_af/af_somalia_explosion

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France, Belgium rush to aid of ailing Dexia (Reuters)

BRUSSELS/PARIS (Reuters) ? France and Belgium rushed to the aid of Dexia SA (DEXI.BR) on Tuesday, in what will be the first state rescue of a European bank in the euro zone sovereign debt crisis.

The lender to hundreds of French and Belgian towns, which also needed propping up after the 2008 financial crisis, will see its French municipal finance arm broken off and put under the ownership of French state banks.

The rescue plan also looks likely to involve a broader break-up, with the sale of healthier operations, such as its Belgian and Turkish banking businesses, as well as the creation of a state-guaranteed pool of toxic assets.

"We have to put all the dangerous parts outside of the bank. It is here where the state guarantee will come into play, it's what's called a 'bad bank'," Belgian Finance Minister Didier Reynders said after a joint Franco-Belgian government statement pledging support.

Laid low in recent weeks by its heavy exposure to Greece and problems accessing wholesale funds, Dexia saw its shares drop as much as 38 percent to an all-time low on Tuesday as confidence in the group collapsed.

"Basically, what we're getting toward here is backdoor nationalization," said one London-based analyst speaking on condition of anonymity. "Everything that's happening now is just a case of how you split up the pie but really the pie is all going toward the state, effectively."

ING chief euro zone economist Peter Vanden Houte said if intervention was just guarantees, rather than cash injections, then French and Belgian finances should not be hit too hard.

Dexia shareholder France was working to break off Dexia's French local lending arm and combine it with French state bank Caisse des Depots and Banque Postale, a senator from French President Nicolas Sarkozy's center-right party told Reuters.

The plan would effectively unwind the 1996 merger that brought together a French and a Belgian bank that both focused on lending to local public authorities.

A Belgian union said about 150 out of 400 jobs were at risk over plans to dissolve the bank holding company.

Yves Leterme, the caretaker prime minister of fellow Dexia shareholder Belgium, summoned core cabinet members to an emergency evening meeting to discuss the bank's problems.

Reynders told reporters after the meeting that Belgium wanted Dexia to remain operating as a bank there.

Belgium's central bank said people with savings with Dexia in Belgium had no reason to withdraw their money.

Investors took little solace in the public reassurances. Dexia shares closed down 22.5 percent at 1.080 euros, having slumped 38 percent to an all-time low of 0.81 euros earlier in the day.

The closing price valued its equity at just under 2 billion euros ($2.7 billion) according to Reuters data -- in contrast with a holding of 3.8 billion euros of Greek sovereign bonds and the bank's total credit risk exposure to the country of 4.8 billion euros, one of the largest among non-Greek lenders.

Dexia has already taken a 338 million euro loss to cover a 21 percent Greek debt discount agreed by private investors.

However, it stands to lose more if European finance ministers decide to make banks take bigger losses on Greek debt than they have already agreed to accept, as was being discussed by ministers.

Apart from Greece, Dexia is also suffering from a mismatch between short-term borrowing to finance long-term lending to public authorities, which prompted a 6 billion euro bailout in 2008. Bank-to-bank lending was once again under pressure on Tuesday with rates at their highest in more than a month.

Dexia's overall credit risk exposure is 512 billion euros, of which 60 billion is in North America. So its lingering exposure to the multi-trillion-dollar U.S. municipal debt market could reverberate across the Atlantic too.

ASSET SALES

A French government source confirmed that asset sales were at the center of the rescue proposal, with no plans for capital injections.

Dexia's controlling stake in Turkish lender Denizbank (DENIZ.IS) is seen as its most saleable asset, while its custody joint venture with Royal Bank of Canada (RY.TO) and its asset management unit could also attract buyers, analysts said.

The spread between Belgian 10-year bonds and equivalent German bunds, a sign of the perceived risk of Belgium debt, pushed above 2 percent on Tuesday to a three-week high.

Data from Markit showed the cost of buying protection against a French sovereign default nudged historic highs, rising by 9.5 basis points to 199 basis points, against an all-time record of 200.5 bps set on September 22. Belgium's sovereign credit default swaps were trading 20.75 bps wider at 292.5 bps, just 6 bps off their own record.

Dexia is not the only European bank facing a need for capital as regulations become tougher, profits sag and lenders face losses on sovereign bonds if the euro zone crisis is not resolved.

Banks face a 148 billion euro capital shortfall under a base case and a 227 billion shortfall under a stressed scenario, according to analysts at JPMorgan, who say Unicredit (CRDI.MI), Deutsche Bank (DBKGn.DE), Lloyds Banking Group (LLOY.L), Societe Generale (SOGN.PA) and Barclays (BARC.L) each face a deficit of over 7 billion euros under its stress assessment.

If banks are unable to raise the capital privately, government ownership of the sector could jump to 22 percent from 7 percent now, JPMorgan analyst Kian Abouhossein said in a note.

European bank stocks (.SX7P) ended down 4.0 percent, with Dexia the weakest in the sector.

(Additional reporting by Philip Blenkinsop, Robert-Jan Bartunek, Julien Ponthus, Christian Plumb and Andrew Perrin at IFR; Editing by Gary Hill)

Source: http://us.rd.yahoo.com/dailynews/rss/eurobiz/*http%3A//news.yahoo.com/s/nm/20111004/bs_nm/us_dexia

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