Archive for August, 2007

Different Options and Solutions for Buying a Car even with Bad Credit

Saturday, August 11th, 2007

By [http://ezinearticles.com/?expert=Mary_Wise]Mary Wise Paying in cash This seems to be the best and cheapest way for buying a car. Of course, not everybody has the money needed to pay the car in full without any source of finance. Besides, the money could probably be used for other purposes. Buying without finance may be the cheapest way but it is probably not a practical way to go. Car Loans and Bad Credit Car Loans For those who dont have the cash and especially for those who dont have good credit, Car Loans seem to be the way to go. Car loans can be easily qualified because they are secured loans with the car guaranteeing the loan. There always exists the risk of repossession if the borrower fails to make the monthly payments. However, collateral is the main reason why there are so many Bad Credit Car Loans. Secured loans imply a lower risk for the lender, they can be easily obtained by people with bad credit and the monthly payments are affordable enough. Leasing programs Leasing is a rather new system for acquiring a car. When you lease a car you are actually renting the car, but after a considerable amount of time renting the car, the monthly installments youve been paying can be considered loan payments and youll be able to acquire the car by paying a residual amount of money to get ownership. That being said, you can choose to buy the car or not. When the time comes some leasing companies offer you different options: You can pay the small residual amount and keep the car to yourself, you can pay a higher amount and get a new car or you could continue leasing a new car till you reach the time when youll be able to get the car by paying a small residual amount. Leasing is probably the most expensive system if you consider the overall cost of the purchase. However, the monthly payments are much lower than that of a bad credit car loan and its probably the most practical system to possess a vehicle. Leasing comes with other benefits: The car is warranted for any failure and will be fixed or replaced during the leasing period. It is also insured against any risk due to the fact that the owner of the car is the leasing company and thus the company would be held responsible if any accident may occur. Since the company wants to make sure the car stays in good conditions, youll be provided with cheap maintenance from company personnel. Summing up After considering all the available sources of finance, leasing may not be the cheapest way to go, but you should consider the option since it provides low monthly payments and low costs. If you are not so keen on actually owning the car as long as you are able to use it, leasing is a great choice. Mary Wise, a professional consultant with twenty years in the financial field, helps people in the process of securing personal loans, mortgage, refinance or consolidation loans and preventing consumers from falling into the hands of fraudulent lenders. In her website [http://www.badcreditloanservices.com]Badcreditloanservices.com you will find more useful tips and interesting articles on this and many other financial topics. Article Source: http://EzineArticles.com/?expert=Mary_Wise http://EzineArticles.com/?Different-Options-and-Solutions-for-Buying-a-Car-even-with-Bad-Credit&id=291385 estimate which payment now mortgage on rate this calculator both best before massachusetts because mortgage each rates get countrywide now mortgage would dagsboro under delaware were florida take mortgage should loans we first them time way home how buyer their refinance over

The Great Weight Loss Plan Review

Friday, August 10th, 2007

By Brian Bonito Are you planning for weight loss? If so, youre going to need a guide, a map to follow. You need something thats guaranteed to work weight loss wonders. Bring forth the great weight loss plan. Start simple and easy and then progress, like so. Begin by adding more water to your daily fluid consumption. More water equals less water retention and bloating. Its the perfect diet nutrient. Try walking 20-30 minutes a day, preferably after your last daily meal. This allows for full digestion and good blood and oxygen circulation and weight loss. Walking is one of the greatest weight reduction tools ever. Plan your days in advance. This means diet meals, workouts, and other activities. The mere action of planning your day puts your mind at ease and allows you to handle stresses and unforeseen circumstances, easier. It makes losing weight easier as well. Write in a daily journal. A journal does many things. It keeps your weight loss efforts on track. It keeps you focused on your weight loss future. But most importantly its like the exhaust for a car engine; it helps you get the bad things out so your fresh and prepared for more good stuff tomorrow. Youre going to be thinner tomorrow, so plan and plan and plan some more. Spend some quiet time by yourself early in the morning. By waking up early you give yourself time to do many of the above weight loss activities without the anxiety of life immediately clamoring for your attention. The great weight loss plan would not be complete without a mention of persistence. Persistence has been written about through the ages so much that I think theres been some devaluing of the trait itself. Persistence guarantees your weight loss success. When you build the quality of persistence over time, losing weight suddenly becomes a breeze. Its like depositing money into a bank account. That money, or your persistence, begins to work for you in ways you cannot imagine. Stick to your weight loss guns. Be persistent. The world will give you what you desire. Get your FREE subscription to Underground Weight Loss VIDEOS. Plus a FREE copy of the Fat-Slashing Power Formula: Weight Loss Secrets! Just for visiting:http://www.insaneweightloss.com/Underground.html Article Source: http://EzineArticles.com/?expert=Brian_Bonito http://EzineArticles.com/?The-Great-Weight-Loss-Plan-Review&id=508133 pictures some of more girls more with must dddd might tits come or very bigger well phat here ass such big my tits come burnette here with at nice or tits from just must lesbians this tits our

Surgeries - Cosmetic and Plastic Surgery

Thursday, August 9th, 2007

By Awinita Smith Now days everyone likes to seem beautiful. Looking healthy young and beautiful is the most important thing in day to day life. You may be upset that you are having some problems in your physical structure or you are fat or your nose shape is not too good. For that purpose cosmetic and plastic surgery is now available which helps us to remove any physical disorders. Cosmetic and plastic surgery really help you to improve your lifestyle. Cosmetic surgery is used to redefine your looks. If you do not like a facial or body feature that you have, you may use cosmetic surgery to change that specific area.It is also useful in reducing lines or wrinkles on your face. Plastic Surgery mainly focuses on reconstruction. If you have a birth defect, injury, disease that has caused a change in your features, plastic surgery is a very useful treatment on these problems. Cosmetic or plastic surgery is performed by a doctor who has undergone specialized training in either plastic or cosmetic surgery. While choosing a doctor always makes sure that they have been certified by either the American Board of Plastic Surgery (ABPS) or the American Board of Cosmetic Surgery (ABCS). Cosmetic surgery is categorized into two types one that add something to the body and another that take something away. Many people are unhappy with their body size and shape of parts of their bodies, so they would like to either reduce or increase the size of body. Some of the most popular types of cosmetic surgery, however, involve adding volume to areas of the body. One of these is seen in collagen injections, which plump up the lips. But, the biggest of the addition surgeries is breast augmentation. With this surgery, implants (usually made of saline) are inserted into a woman’s breasts in order to enlarge her cup size. Most Popular Plastic Surgery Procedures are as followsRhinoplasty:-The medical term given to plastic surgery to redesign your nose. Breast Augmentation:-A surgical technique to increase the size and shape of a woman’s breast. Liposuction:-An efficient technique of changing the body’s shape and size.Facelift:-Takes care of these problems by tightening and firming the facial skin as well as the neck muscles in one step. Eyelid Surgery (Blepharoplasty):- It’s a surgical technique where the surgeon sheds out the extra fat, muscle, skin from either or both the upper and the lower eye lid to redesign the shape the eye. Dont think in negative way; always be positive that cosmetic or plastic surgery would really help you. This article has been published by Awinita Smith whose specialization are in Health related topics and currently writing on Skin Treatment topics for www.skintreatmentweb.info. In past, she has written more articles on natural health care which can be seen in the same website. For more details about the Skin related issues or Natural Skin Care, please visit Skintreatmentweb.info website. If any mistake or error is found in this published article, please get back to us at this address; awinita.smith@gmail.com so that we can rectify it promptly. Article Source: http://EzineArticles.com/?expert=Awinita_Smith http://EzineArticles.com/?Surgeries—Cosmetic-and-Plastic-Surgery&id=320050 celexa than drug her and can side was effects should paxil what pill some effexor could xr would and would slurred other speech out tapering who off way zoloft these

The Rich Man and Lazarus: Luke 16:19-31 - Part 1

Monday, August 6th, 2007

By W. Edward Bedore The question is often asked, is the account of the rich man and Lazarus a historical account or is it a parable? Is it the true story of two men who lived and died during the time of Christ’s earthly ministry or is it a made-up story used by the Lord to drive home a point? I believe that the evidence is that it describes an actual history of these two men. By definition, a parable is a true-to-life story used to illustrate or illuminate a truth. This is true even if all of the details never occurred exactly as presented in the story. They are special stories that may, or may not, reflect historical events. Nevertheless, they must be true-to-life. By true-to-life we mean that a parable must be based on a real-life situation that the hearers are familiar with. In other words, the story itself has to be based on events that could have happened, whether they ever actually did or not. Our English word “parable” is a transliteration of the Greek word parabole. It is a derivative of paraballo, which comes from two Greek words para and ballo. Para means alongside or by the side of. And ballo means to lie, or to place, something. Thus, a parable is a story put down beside a truth in order to illustrate that truth through comparison. Therefore a parable must be a true-to-life story in order for it to have any meaning to those who hear it. To try to use a fanciful story containing elements that have no basis to the world in which men and women live would only serve to confuse people rather than providing them with spiritual light. A simple survey of the Lord Jesus’ use of parables reveals that He always used things commonplace to daily life, such as the building of houses, storing old and new wine, sowing seed, weeds growing along with the crop, yeast permeating bread dough, hidden treasure, fishing, monetary debts, unforgiveness, vineyards, family life, weddings, a barren fig tree, a lost coin, an unjust judge, etc. While His hearers may not have made the connection to the truths the Lord was pointing out, they needed no explanation as to what the stories were about because they involved common everyday things to which they could relate. When the hearers of the parables perceived that there was an analogy between the story and their own situation, they were prompted to think about it, hopefully to respond by faith to the truth illustrated. Parables can be extraordinary and even shocking, but never unrealistic or fanciful. When we come to the account of the rich man and Lazarus, we find a situation different from what is found in any of the parables. The Lord Jesus’ hearers could understand the contrast between the lives of a rich man and a poor beggar. It was common to see beggars sitting by the road hoping for a handout, and they could easily identify the folks who had more than enough wealth to live comfortably. Then, as now, there was a stark difference between the lives of those who have an overabundance and those with nothing. Although we can still grasp that there is a great difference between the lifestyles of these two men, the vastness of the “great gulf” between them is often lost to us because of the welfare and social services provided by the government. This is not the case in many third world nations today where people are literally starving to death. Regardless, the contrast in this story is the reversal of that gulf after the death of these two men. The hearers of this story could follow the contrast between these two men right up to the moment of their deaths. At that point, however, the situation changes drastically. The outcome was something that they could not relate to any life situations that they had ever witnessed. The state and location of the departed soul was beyond their life experiences, or what is commonly known to be true by experience. The circumstances described go beyond the realm of the parable. That does not mean that it isn’t a true-to-life story, however. Physical death is a natural part of the life experience of all mankind, but what takes place afterward is hidden from those who have not yet experienced it. In this account of a beggar and a rich man, the Lord was revealing the reality of what takes place following physical death to drive home an important truth. We should mention at this point that even if it was a parable, the place referred to as Abraham’s bosom and the account of what took place in there would have to be based on reality for it to have any meaning. Following are some reasons that this should be considered a history of two real men and not a parable. Parables are true-to-life, but hypothetical, illustrative stories. The names of specific individuals are never given in them, but here the names of three men are given; Lazarus, Abraham, and Moses. Also mentioned are the “prophets” who were also real people. (”Moses and the prophets” is a general term for the whole Old Testament that refers to its human authors). It does not have the normal form of a parable with an introduction, analogy story, and application. Instead it is in the form of the narration of a real-life story given for the purpose of illustration. It does not use the principle of comparison in a way that is characteristic of parables. The discussion between the rich man and Abraham is not consistent with the parabolic style found in the Scriptures. It seems obvious that in relating this particular story when He did, the Lord Jesus was using a real-life account that many of those listening to Him that day could readily relate to it because they actually knew, or at least knew of, the two men involved. The rich man’s brothers may have even been in the audience. THE PURPOSE OF THE STORY The main point of the story of the rich man and Lazarus is that an individual’s wealth and social standing, or the lack thereof, is not necessarily an indication of that person’s spiritual standing before God. Many of the Jews believed that the fact that they had accumulated wealth that afforded them social status and prominent positions in the religious community proved that they were under the blessing of God. They also thought, according to their logic, that those who were poor were under the curse of God. They no doubt appealed to the promises made to Israel in the Law of Moses concerning the blessings of prosperity for obedience to God’s Law and the curses of poverty because of disobedience, failing to recognize the national rather then the personal nature of those promises (see Deut. 28:1-45ff.; etc.). They were also ignoring the many warnings found in “Moses and the Prophets” that were directed towards the leaders of Israel who selfishly misused their power and wealth (see Isa. 56:10-12; Ezek. 34:1-4ff.; Micah 3:1-4; etc.). To challenge their seriously flawed thinking, the Lord Jesus told the parable of the unjust (or dishonest) steward (Luke 16:1-13). The main point of this parable was that the dishonest steward, who represented the Gentiles, was wiser than the “children of light,” a reference to the sons of Israel, who were to be a channel through which God’s light would reach the Gentiles, i.e., the nations of the world (Isa. 42:5-7; 49:5-6; 60:1-3; 62:1-3). The true Light of the World is Jesus Christ Himself (John 8:12), who is the Messiah of Israel. In the prophetic program, the only avenue through which the Gentiles can come to the Light is through the nation of Israel (Isa. 60:1-3; Zech. 8:20-23). The point of this parable was that those who were striving after riches were actually self-serving rather than servants of God. He was calling on them to choose between the two, saying: “No servant can serve two masters: for either he will hate the one, and love the other; or else he will hold to the one, and despise the other. Ye cannot serve God and mammon [money]” (Luke 16:13). The implication was that those whose priorities were based on accumulating wealth were demonstrating that their hearts were not right with God (cf. Matt. 6:19-21). On hearing Him, the Pharisees, who were lovers of money, scoffed at the Lord (Luke 16:14), who then accused them of being self-righteous and trying to press, or force their way into the Kingdom on their own terms (Luke 16:15-16). That is to say, they were counting on their self-proclaimed righteousness to open the door of the Kingdom to them. Jesus plainly declared that the terms of the Law were solid and could not be circumvented. The principles underlying the Mosaic Law express God’s character, and therefore the Law is more enduring than the whole of creation (Luke 16:17). He then revealed their hypocrisy by pointing out that their attitude about divorce and remarriage was not in line with God’s purposes (Luke 16:18; cf. Matt. 5:31-32; 19:3-9). The key to understanding the point that the Lord is making in telling the story of the rich man and Lazarus is found in verses 15 and 16; “And He said unto them, ye are they which justify yourselves before men; but God knoweth your hearts: for that which is highly esteemed among men is abomination in the sight of God. The Law and the Prophets were until John: since that time the Kingdom of God is preached and every man presseth into it” (Luke 16:15-16). Though their self-justification might gain them favor among men, it would not gain God’s favor because He knew what was in their heart (cf. Jer. 17:9-10). The things that men hold in high regard, things that gain them position and respect among men, are disgusting to God. In truth, the love of money reveals a covetous heart that has given its allegiance to “mammon” rather than God (cf. I Tim. 6:10). In the Law and the Prophets, a general term for the Old Testament Scriptures, is found the promise, or proclamation of God’s coming Kingdom on earth, which Israel was waiting for. John the Baptist came on the scene to introduce the Messiah, who would usher in the Kingdom Age, to Israel (John 1:26-34). After being baptized by John Jesus Christ began His public ministry by saying, “The Kingdom of God is at hand: repent ye, and believe the Gospel” (see Mark 1:9-15). Of course, the Jews, especially the Pharisees, knew that entrance into the Kingdom was conditioned on obedience to God’s Law. To drive home His point about how the money-loving Pharisees were misusing their wealth, to their own peril, the Lord told the true story of the rich man and Lazarus. The rich man wasn’t lost because he had wealth, nor was Lazarus saved because he was poor. This was a matter of the heart with the focus being on the rich man, not Lazarus. The rich man’s failure to help Lazarus, a fellow Israelite, revealed that he had a wicked heart, a non-repentant heart. By refusing to provide for the poor beggar sitting at his gate, the rich man was rebelling against God who, through Moses, had given Israel specific instructions on how those with resources were to treat their poor fellow countrymen (see Deut. 15:7-11). They were to open their hands wide in providing for the poor and needy in their land. This man showed that he did not love the Lord God of Israel with all of his heart, soul, and might as commanded by the Law (Deut. 6:4-5; cf. Mark 12:28-30). The evidence of this was that he did not love his neighbor, who in this case was Lazarus (Lev. 19:18; cf. Matt. 22:34-40). Although he thought he could force his way into God’s Kingdom, his heart attitude, which was demonstrated by his actions, proved him to be unworthy to enter. When he asked Abraham to send Lazarus back to warn his brothers about what awaited them beyond death’s door if they did not repent, “Abraham saith unto Him, They have Moses and the Prophets; let them hear them” (Luke 16:29). If, like the rich man, his brothers would not heed the warnings found in God’s Word, from Moses and the Prophets, neither would they believe someone who had been raised from the dead. This proved to be true as even after His own resurrection the leaders of Israel rejected the Lord Jesus as their Messiah. It is sad to say, but for the most part mankind has continued to reject Christ as savior, even until today. Being true-to-life, whether it is historical or parable, this story is based on truths from which we can learn certain facts about the state of those who have experienced physical death. This is true even though teaching these things is not the main purpose the Lord had in telling it. Being based on truth, the facts learned from the experience of the rich man and Lazarus are consistent with what is found in other places in Scriptures. From this passage we know that: After physical death, individuals continue to exist in a state of personal consciousness (vv. 22-25ff.; cf. Rev. 6:9-10). Having experienced physical death, the individual’s destiny is sealed. There is no opportunity to cross over from the place of utter hopelessness to a place of hope after physical death (vv. 25-26). Hades is not a figure of speech but a real place of suffering to which the unsaved go to await the final judgment (vv. 23-24). They will stay there until the time of the resurrection to condemnation when they will be consigned to the Lake of Fire forever (cf. Rev. 20:11-15). There is a place, referred to here as Abraham’s Bosom, which is a place of comfort and joy (v. 25). The saved go there until the time of their resurrection unto life. This place is also referred to as “Paradise” in the Scriptures (cf. Luke 23:39-43). Originally it was a partitioned section of Hades, but was moved to heaven after Christ’s resurrection. Paul speaks of being “caught up into paradise” (II Cor. 12:4). This implies that Grace saints and Kingdom saints may jointly occupy Paradise until the time of their respective resurrections. After physical death, unsaved individuals will have regretful memories of the past and knowledge of their hopeless future (vv. 25-28). After having died, individuals go to Hades or Paradise and are not able to return or send back messages to those still living (vv. 26-28). Samuel, Moses, and Elijah are exceptions, having been sent by God as special envoys. No one can return by an act of their own will. The Scriptures leave no possibility for reincarnation and spiritism. Neither the saved or the lost will cease to exist, nor will they exist without form between physical death and the resurrection. Both have a temporary form of some kind that enables them to see, speak, hear and feel (vv. 22-25). No doubt this form is of a spiritual nature and substance, but nevertheless, it is a tangible form with a recognizable human likeness. THE CONSCIOUS STATE OF THE DEAD The story of the rich man and Lazarus clearly shows that after physical death they were very much aware of their circumstances and what was going on around them. The Apostle Paul stated that for the believer “to live is Christ, and to die is gain” (see Phil. 1:21-23), indicating that this is in fact the case. That he had “a desire to depart (this life)” to be with the Lord tells us that he expected to consciously experience something “far better” than can be found in this life. This means that at the time of physical death believers will “gain” something. As precious as the believer’s life “in Christ” is in the here and now, it will be greatly enhanced when he leaves it to enter into the presence of the Lord. Paul’s statement that “to live is Christ” speaks of a purposeful life lived in service to and for the glory of the Lord Jesus Christ. The only way to add to this, to gain that which is better, is to enter into the very presence of Christ in heaven to consciously enjoy perfect fellowship with Him in a way that we cannot in this life. It is only by faith that the believer can find the confidence to face death “willing rather to be absent from the body, and to be present with the Lord” (see II Cor. 5:7-8). That the death of a believer brings him, or her, into a situation considered to be “gain”, or the increased experience of spiritual blessing, refutes all erroneous ideas such as soul sleep or that the soul ceases to exist at death to be awakened or recreated at the time of the resurrection. To enjoy the life of Christ in this life only to be experientially separated from Him by becoming unconscious or ceasing to exist would be loss, not gain. This would be true even if it was only for a short time. But the fact that we have been given eternal life guarantees that we have everlasting fellowship with God. Our life in Christ will never be diminished, only enlarged. That “the love of God is shed abroad in our hearts by the Holy Spirit who is given unto us” (Rom. 5:5) mandates the continued conscious existence of the believer after physical death because nothing, not even death, “shall be able to separate us from the love of God, which is in Christ Jesus our Lord” (Rom. 8:39). This article originally appeared in the Berean Searchlight, the free monthly magazine of the Berean Bible Society. For over 60 years, the Berean Bible Society has been proclaiming the good news of Jesus Christ according to the revelation of the mystery. Article Source: http://EzineArticles.com/?expert=W._Edward_Bedore http://EzineArticles.com/?The-Rich-Man-and-Lazarus:-Luke-16:19-31—Part-1&id=374238 naked be teen him tits my girls be clevage he tits their college there girls out huge must black those tits we busty or ass how and well tits never

Dieting While Partying!

Sunday, August 5th, 2007

By Jasdeep Singh It’s really difficult for a person to socialise if he is on a Diet. Totally ignoring parties and invitation is definitely not a solution.You have to strike a balance between your diet and social parties which, trust me, isn’t easy at all. But we can always take necesaary precautions so as to avoid overeating. Here is some valuable tips to keep everyone happy. a) Try eating light snacks aroung 6 PM before leaving for the party. The problem with late night parties is that dinner isnt served before 11 and by that time rats are running in everyones stomach , so people end up eating a lot which they shouldnt. b) At dinner, try eating vegetables only along with some fat free yogurt. If you cant resist non-veg, go in for grilled chicken. c) Caution : Do not drink soups at parties as they have cornflour which is by any means not good for people who are on diet. d) Avoid unhealthy food like white bread, deep fried foods and oily vegetables. e) Choose salads with combination of chicken and and greens with marinated vegetables. Chinese greens are great choice anyday. f) Eat your food slowly and cherish it to the fullest. Few more veryday Diet Tips for everyone: a) If you prefer non-vegetarian food, eat more fish and lesser red meat. Infact one should avoid Red Meat. It not only increase Cholestrol but also makes you more susceptible to heart attack and other heart related diseases. b) Your Diet should have less sodium and more fibre . Fibre improves your digestion and keeps your stomach in good shape. c) People with cholestrol problem should not eat york at all.Keep them for kids. d) Get into the habbit of eating fruits as desserts instead of high calorie ice creams and puddings. About the Author Jasdeep: for http://www.weightloss-health.comyour complete and most comprehensive family guide on Health. Also get free effective and healthy diet tips and weight loss tips at Free Healthy Diet Tips and Weight Loss Tips If you wish to reproduce the above article you are welcome to do so, provided the article is reproduced in its entirety, including this resource box and LIVE link to our website. Article Source: http://EzineArticles.com/?expert=Jasdeep_Singh http://EzineArticles.com/?Dieting-While-Partying!&id=5574 fetish that webcam over free has gay some video both doctor a exam then fetish there webcam or peeing too porn an videos well and were web here cams now at is shepees him com of free said porm some mpeg those chat the live over webcam can vgp than

How to Create Instant Sexual Desire Around Women

Friday, August 3rd, 2007

By Scott Patterson Let me ask you a question Do you know why some guys can create instant sexual desire with women? Well, you’ve probably noticed there are some men who can attract a woman with only a few words and gestures. In fact, even if they’re average looking, these guys now the secret to establishing an instant connection. The secret is being able to show charisma around women. So is this ability natural or is it learned? Fortunately charisma is something which can be learned. If you take the time to learn the core characteristics of charisma, you’ll be able to create sexual desire around women. Here are five ways you can do it: 1- Accept that it can be learned Before you try to change your personality, you must first accept that charisma is something which you can learn. If you REALLY don’t think it’ll work, then you’ll probably fail. Just understand that charisma is something that can work no matter what you’re like. There are a number of famous actors and celebrities who didn’t start out as being charismatic. But after going through coaching for their voice, body language and acting, they were able to transform themselves into a charismatic person. 2- Find your own style Another way to be charismatic is to learn how to become your own person. While it’s important to model guys who show a natural ability, you should learn how to be your own person and find your own style. For instance, if you’re a naturally quiet person, then you should develop a calm, confident and charismatic personality. Instead of being the loud and outgoing person, you should develop a charisma which works for one-on-one interactions. 3- Show charismatic body language Charisma is all about showing the right kind of body language. A suave person is a guy who can show charisma with just his presence. For instance, a charismatic person shows these traits: Confidence A relaxed pose Good posture A positive expression with a smile 4- Be congruent In order to be charismatic your words and actions must match your overall demeanor. In other words, you need to be congruent throughout you entire lifestyle. So instead of trying to “fake it till you make it”, you should work on things which are holding you back from showing charisma. If you can eliminate your sticking points and become truly confident in every situation, you’ll develop this magnetic personality trait. 5- Be authoritative When you’re talking to a woman, don’t be afraid to show a confidence in your words or actions. By speaking about topics like an authority, you’ll impress women with your confidence. So no matter what you say, remember to show confidence. In other words, if you act nervous around women, you won’t be showing charisma. As you can see from this article, charisma is something which can be learned. If you take the time to develop these 5 basic traits, you’ll be on your way towards being a charismatic guy. Once this happens you’ll become a guy who can create instant sexual desire around women. Want to learn 50 different ways to meet, approach and attract women? If so, take a look at Scott Patterson’s Free eBook which provides 50 tips for approaching, attracting, and dating ANY woman. Article Source: http://EzineArticles.com/?expert=Scott_Patterson http://EzineArticles.com/?How-to-Create-Instant-Sexual-Desire-Around-Women&id=530527 mortgage way loans how refinance through your there house himself with over bad to credit must personal where loans see for all students did with would bad still credit from student same loans that bad their credit many alternative can personal many bad which credit now debt make consolidation this home an equity such loan have information being

Why Moms Have the Upper Hand in Debt Collection

Thursday, August 2nd, 2007

By Michelle Dunn Collecting money is always a touchy issue for anyone, whether it is from someone you loaned it to, or someone who has purchased something from you. Women tend to want to wait, saying such things as, “Oh they will pay”, or “Their having a hard time, I am sure they will pay when they can”. Some of this is because we are compassionate creatures and some of it is because we will sometimes do anything in our power to avoid conflict or the thought of *gasp* someone not liking us, or thinking we are pushy. Well ladies, when someone owes you money, it is time to be pushy not a push over. If you are a mom, you can be a successful bill collector. In my opinion, if you are a mom, you are superwoman and can do anything you set your mind to. Some of the things moms and bill collectors have in common are: Teaching Being assertive and firm Being in charge of the situation Taking initiative Being organized to a fault Not taking any talking back Follow up When you are a bill collector you need to teach debtors what, why and when certain things happen as a result of their action. Such as what will happen if they dont pay their bill. It could be reflected on their credit report, they could get dunning letters and collection calls at home or at work, they may end up in court, or with garnished wages. There are circumstances for everything we do. As a mother, you spend each day teaching this to your children. You must be sensitive to a debtor just like a small child. I am not saying treat a debtor like a baby, but remember that a debtor is not happy about the situation that has caused you to contact them. They will be embarrassed and angry and you are the perfect person to take that out on. If you can understand this before you make a collection call, you will know that you need to help the debtor not berate them. Be sensitive to the fact that they are embarrassed and maybe do not have the funds to pay in full. Be understanding and helpful and you will collect more money. A good way to do this is to put yourself in the debtors shoes before you ever make a call. I would say this is easy for most of us to do; we have all had situations beyond our control that may have caused us to fall behind on bills and have to make a decision on whether to go to the church to get food for our children or use the cash we have to buy food. Then when the bill collector calls and yells at you and tells you that a debt must be paid in full, how would you feel? I would feel like swearing at the person who called me and never paying them, only because they didnt even try to understand or accept a partial payment or hear my situation. Not every debtor is in a bad situation and just cant pay. There will always be the debtors who are always past due, who are repeat customers. Once you have figured out who they are by keeping your detailed organized notes on your collection efforts, you can move to the next step with those debtors. Just like when your kids become school age children from toddlers. Social skills that we teach our children can be most helpful when making collection calls. When you walk into a room and your child is sitting there eating the dirt from the plant and the plant is tipped over with dirt everywhere, you (hopefully) resist the urge to scream, and calmly say to your child, “What happened here?” To which the child replies, “I dont know”, or “The dog did it”. Think about what you do, you normally stare at the child, trying to absorb this nonsense, and counting to ten so you dont flip out. Do the same in a collection call, when you call a debtor and they give you an excuse or answer that floors you, take a breath and ask a simple question. For example, you call a debtor and say, Hello, this is Michelle, and I am calling from ABC Collections about your balance due of $100 with Dr. Smiths office. I am calling to take your payment over the phone today for free. They reply, “I paid that”. Then there is silence. You can then ask detailed, simple questions that will alert you as to if this is a fact and what your next step should be. You can cheerily say, “Oh Great! When did you pay that? Did you mail the payment or make it in person? Was it a check or money order? What was the check number? What was the amount you paid?” Keep it simple and you will get the results you are looking for. You want to be in charge of the call at all times. You dont let your child talk back to you or be disrespectful, and you shouldnt let a debtor either. Once you ask a debtor a question, stop, and let the silence sit there. Remember, if you are uncomfortable with this silence, so is the debtor. Let them speak first; this is how you stay in control of this situation. No matter how long or how uncomfortable the silence is, let them break it. This is very hard, but I did it for many years and it truly works. They will tell you more than you need to know or they will hang up on you. By having a child and deciding to raise it, you have taken initiative on creating, molding and teaching a person how to be a good, caring, honest person. Being a bill collector takes some initiative since you have to initiate most contacts, by letter and/or by phone. You have to be in charge of the situation, you have to negotiate, be a mediator at times and offer a solution. You want to create in the debtor, someone who will pay their bills or at least the bill you are trying to collect in full, or on a scheduled payment plan, without you having to contact them every day. If you have ever toilet trained a child, you know how frustrating it is, and so I have no doubt you can do this. Being a parent we have to suddenly carry a huge bag around with everything but the kitchen sink in it. Long gone are the days of a cute, stylish, small purse. Along comes the big bag with changes of clothes, bottles, pacifiers, snacks, diapers, wipes, bibs, changing pads, toys, books, aspirin (for us), sweatshirts, shoes, Vaseline, powder, tissues and who knows what else ends up in there. We have zip lock bags to put soiled diapers in, we are ready for anything! Being a bill collector requires the same type of preparedness and organization. Be prepared for anything, because anything can happen. You have to be alert, be calm, have answers and solutions and take meticulous notes. I always pretended that every single debtor I talked to, any of the paperwork or notes I had on a call, were going to be reviewed by a judge. This caused me to always be very thorough, which brought me great success. So, when you do any collection work, just pretend you will have to provide this information in court, and you will know what questions to ask to get the information you need. Being a woman bill collector is especially frustrating when a male debtor decides to give you a hard time, because, after all, you are a woman. My experience has been that they will laugh at you, call you nice names such as Honey, Sweetie, Dear or not so nice names that I cant type here. They will ask for the man in charge, they wont believe anything you say, and will laugh the whole thing off. Guess who is laughing in the end? Keeping your mouth shut when you get this treatment from a man who thinks he has to act this way to be a bigger man, is the best idea. Continue with your collection efforts, do everything you say you will do, and see who is laughing when they try to buy a new car in a year. Thank you Honey. Follow up is key in any business, but especially collection work. Your main job is to make sure everyone is paying; no one wants to pay and even if they say they will pay it is up to you to call and follow up on each payment promise. When someone tells you they will pay on Friday, send a letter confirming the payment, you can even include a payment envelope, how easy for them! Call on Friday to verify the check was sent. Call on Tuesday when you dont receive the check, to get a check number and verify which day it was mailed. If it wasnt mailed, offer to take a payment over the phone. You can always offer a solution. Michelle started M.A.D. Collection Agency in January 1998 and ran it successfully until she sold it in December 2004 to write and consult full time. She owns and runs http://www.Credit-and-Collections.com an online community for credit and business professionals with over 750 members. She has been featured in Ladies Home Journal, PC World, Home Business Magazine, Home Business Journal, Entrepreneur, The Wall Street Journal, NH Business Review, Professional Collector, and in Home Based Business for Dummies, Shameless Marketing for Brazen Hussies, she was a featured guest on (NPR) National Public Radio and the CBS Early Show and has been in many newspapers and magazines nationwide. She has many published articles and 5 published books to add to her list of accomplishments. Michelle has recently signed a contract with Entrepreneur Press to write a book for their Ultimate Series, titled “The Ultimate Book of Credit & Collections. Learn more or order any of her books at http://www.michelledunn.com or http://www.credit-and-collections.com Article Source: http://EzineArticles.com/?expert=Michelle_Dunn http://EzineArticles.com/?Why-Moms-Have-the-Upper-Hand-in-Debt-Collection&id=84253 scat said mistress more toilet up slav had pee me wees of hunky from guys out magnolia still toilet before seat get how over to where pee that male been