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    The Other Side of IQ [Part 1 of 2]
    I have a story to tell.One day, a young professor went sailing. On his journey, he proudly introduced himself as professor and was happily chattering away with his newly found friends. He met some farmers and sailors. The professor was relaying about his school days and how he managed to qualify for his doctorate. He was a little carried away when he boasted about his capabilities as a professor. He laughed at his fellow mates that none of them were as qualified as him. Halfway, a storm was brewing. The wind was too big to control and soon they were in trouble. The ship was sinking but the professor didn't know how to swim. Now was the turn for all of them to laugh at him. 'What was the use of your thick certificates, you couldn't even swim!' Luckily the prof
    hall be added unto you.” I also pondered the spiritual law of attraction, which says the universe will supply all the wants and needs in your life, if you just ask and believe…

    But in these troubled times, seeking anything spiritual is sometimes a task, as we try to cope with the world’s massive losses of the past few years, form incidents like 9/11 the Tsunami and hurricane Katrina. Not to mention where do we find the extra wallet full of money to fill our gas tanks to get the kids to school and drive back and fourth to work.

    The essence of the beautiful day escaped my grasp, as these thoughts clouded my head. Finally, we arrived at the trailhead. I

    100% Loans - Are They Gone For Good?
    With recent news of sub prime lenders such as New Century Title closing its division triggered scare among many other lenders. All major lenders in sub prime market or anyone who has a bad credit, credit score (FICO) below 600 will not be able to apply for 100% loans anymore. Today, you will have to show at least 5% down payment.Almost all of us heard the news on TV, radio, Internet about foreclosures rising to unexpected high levels. People who got these loans, that are in default, got 2-5 year adjustable loans. What this means is that your $1,000 monthly mortgage payment may have gone up to $2,500 a month. Not many people can afford such huge payment and start to default and loose their properties.But what if you can refinance your home and pay off your mortgag
    Yesterday was a great day. It was one of those ‘once in a while’ days when you feel totally connected with Heaven and Earth. I existed totally in the moment, and completely detached from all past and present stresses. I felt as if I were floating on a cloud. But that is not what made the day so special. No, you see, yesterday I spent the entire day with my 4 ? year old son, and he showed me something that we all sometimes forget—that love, in it’s pure form, is the power of the universe, and that no matter what is happening in your life, love can make it all better.

    The day started out as many do. I woke early and wrote for a while. I let our dog out and refreshed her food and water bowl. I straightened the living room and did last night’s dinner dishes. Everything was all so normal. I finally heard the bouncing up and down on the bed from the second floor of the house. I knew my little buddy was up, so I brought him a drink of milk. We exchanged our mooring hellos and hugs. He asked if he could play in his room for a while, and I agreed.

    The day was shaping up nicely. It was eight o’clock and not a cloud in the sky. It was about 65 degrees, and the heat of the sun was quickly warming the earth. It was going to be beautiful. I sat at my desk and connected to the internet, as I do most mornings. I checked to see if I had any email; I didn’t. I then went to view the morning’s news headlines. The Katrina aftermath and the price of gas topped the headlines, once again. Sadness swept over me, and I became a bit worried about the state of our great country and all the people living with loss and sadness. So many struggles, so much loss, so much pain. I sat in quite contemplation for a while, until the silence was broken… “Can we go for a hike in the woods, Daddy?” my son asked with a huge smile on his face. “Sure, buddy,” I replied, and after a good breakfast, I packed him and our Aussie into the truck and off we went.

    Gazing at the gas prices, as I drove towards our hiking destination, I had a sinking feeling in my stomach. How could many Americans on fixed budgets deal with this rising cost. I started to worry about my ability to sustain my household. As the fear of the unknown crept into my mind’s thoughts, I slowed down—to conserve gas, of course. This is crazy I thought, and I thanked God for everything I had in my life. I remembered the long conversations I had with my good friend Mark, who went off to Seminary to become a Pastor. We talked about verses like (John 16:15) “All things that the Father hath are mine,” and (Matthew 6:33) “But seek ye first the kingdom of God, and his righteousness; and all these things shall be added unto you.” I also pondered the spiritual law of attraction, which says the universe will supply all the wants and needs in your life, if you just ask and believe…

    But in these troubled times, seeking anything spiritual is sometimes a task, as we try to cope with the world’s massive losses of the past few years, form incidents like 9/11 the Tsunami and hurricane Katrina. Not to mention where do we find the extra wallet full of money to fill our gas tanks to get the kids to school and drive back and fourth to work.

    The essence of the beautiful day escaped my grasp, as these thoughts clouded my head. Finally, we arrived at the trailhead. I l

    Ex-employees Making It Big From Home!
    You might have read the title above and thought, what is wrong with an employee mindset? The simple answer is: You are limiting your ability to be successfulAllow me to explain.Ok now I am going to assume that your are here because your looking to start a business. You are searching the internet having a look around at whats out there. You 'may' be currently employed and looking to create some extra income for yourself by starting a home business. You have looked through the search engines and have been bombarded by business opportunities and ebooks showing you many ways of making extra money online.This is great! Your Looking - Your already ahead of the game A key point to understand is: EMPLOYEE'S LOOK FOR SECURITYEmployee's hold on to the fee
    freshed her food and water bowl. I straightened the living room and did last night’s dinner dishes. Everything was all so normal. I finally heard the bouncing up and down on the bed from the second floor of the house. I knew my little buddy was up, so I brought him a drink of milk. We exchanged our mooring hellos and hugs. He asked if he could play in his room for a while, and I agreed.

    The day was shaping up nicely. It was eight o’clock and not a cloud in the sky. It was about 65 degrees, and the heat of the sun was quickly warming the earth. It was going to be beautiful. I sat at my desk and connected to the internet, as I do most mornings. I checked to see if I had any email; I didn’t. I then went to view the morning’s news headlines. The Katrina aftermath and the price of gas topped the headlines, once again. Sadness swept over me, and I became a bit worried about the state of our great country and all the people living with loss and sadness. So many struggles, so much loss, so much pain. I sat in quite contemplation for a while, until the silence was broken… “Can we go for a hike in the woods, Daddy?” my son asked with a huge smile on his face. “Sure, buddy,” I replied, and after a good breakfast, I packed him and our Aussie into the truck and off we went.

    Gazing at the gas prices, as I drove towards our hiking destination, I had a sinking feeling in my stomach. How could many Americans on fixed budgets deal with this rising cost. I started to worry about my ability to sustain my household. As the fear of the unknown crept into my mind’s thoughts, I slowed down—to conserve gas, of course. This is crazy I thought, and I thanked God for everything I had in my life. I remembered the long conversations I had with my good friend Mark, who went off to Seminary to become a Pastor. We talked about verses like (John 16:15) “All things that the Father hath are mine,” and (Matthew 6:33) “But seek ye first the kingdom of God, and his righteousness; and all these things shall be added unto you.” I also pondered the spiritual law of attraction, which says the universe will supply all the wants and needs in your life, if you just ask and believe…

    But in these troubled times, seeking anything spiritual is sometimes a task, as we try to cope with the world’s massive losses of the past few years, form incidents like 9/11 the Tsunami and hurricane Katrina. Not to mention where do we find the extra wallet full of money to fill our gas tanks to get the kids to school and drive back and fourth to work.

    The essence of the beautiful day escaped my grasp, as these thoughts clouded my head. Finally, we arrived at the trailhead. I

    How To Create Wealth Using Forex
    Forex? What is it, anyway?The marketThe currency trading (FOREX) market is the biggest and the fastest growing market on earth. Its daily turnover is more than 2.5 trillion dollars, which is 100 times greater than the NASDAQ daily turnover. (click here to read full market background by Easy-Forex™).Markets are places to trade goods. The same goes with FOREX. The Forex goods (or merchandise) are the currencies of various countries. You buy Euro, paying with US dollars, or you sell Japanese Yens for Canadian dollars. That's all.How does one profit in Forex?Very simple and obvious: buy cheap and sell for more! The profit is generated from the fluctuations (changes) in the currency exchange market.The nice thing about the FOREX market, is
    o see if I had any email; I didn’t. I then went to view the morning’s news headlines. The Katrina aftermath and the price of gas topped the headlines, once again. Sadness swept over me, and I became a bit worried about the state of our great country and all the people living with loss and sadness. So many struggles, so much loss, so much pain. I sat in quite contemplation for a while, until the silence was broken… “Can we go for a hike in the woods, Daddy?” my son asked with a huge smile on his face. “Sure, buddy,” I replied, and after a good breakfast, I packed him and our Aussie into the truck and off we went.

    Gazing at the gas prices, as I drove towards our hiking destination, I had a sinking feeling in my stomach. How could many Americans on fixed budgets deal with this rising cost. I started to worry about my ability to sustain my household. As the fear of the unknown crept into my mind’s thoughts, I slowed down—to conserve gas, of course. This is crazy I thought, and I thanked God for everything I had in my life. I remembered the long conversations I had with my good friend Mark, who went off to Seminary to become a Pastor. We talked about verses like (John 16:15) “All things that the Father hath are mine,” and (Matthew 6:33) “But seek ye first the kingdom of God, and his righteousness; and all these things shall be added unto you.” I also pondered the spiritual law of attraction, which says the universe will supply all the wants and needs in your life, if you just ask and believe…

    But in these troubled times, seeking anything spiritual is sometimes a task, as we try to cope with the world’s massive losses of the past few years, form incidents like 9/11 the Tsunami and hurricane Katrina. Not to mention where do we find the extra wallet full of money to fill our gas tanks to get the kids to school and drive back and fourth to work.

    The essence of the beautiful day escaped my grasp, as these thoughts clouded my head. Finally, we arrived at the trailhead. I

    Will Wisconsin's Patents Block Embryonic Stem Cell Research?
    The stem cell article by Jennifer Washburn in the April 12, 2006 issue of the Los Angeles Times mentioned Jeanne Loring, an embryologist at the Burnham Institute in La Jolla: In 1999, Loring tried to launch a company to work with stem cells, but the firm quickly collapsed when it couldn't raise the $100,000 in upfront fees the Wisconsin foundation [WARF] charged.Washburn's article did not mention an earlier article by Loring and co-author Cathryn Campbell, entitled "Intellectual Property and Human Embryonic Stem Cell Research," which appeared in 311 Science 1716 on March 24, 2006. Therein, Loring and Campbell mentioned the changing royalty fees charged by WARF in response to a "memo of understanding" (MOU) with the federal funding agency. Loring/Campbell menti
    ur hiking destination, I had a sinking feeling in my stomach. How could many Americans on fixed budgets deal with this rising cost. I started to worry about my ability to sustain my household. As the fear of the unknown crept into my mind’s thoughts, I slowed down—to conserve gas, of course. This is crazy I thought, and I thanked God for everything I had in my life. I remembered the long conversations I had with my good friend Mark, who went off to Seminary to become a Pastor. We talked about verses like (John 16:15) “All things that the Father hath are mine,” and (Matthew 6:33) “But seek ye first the kingdom of God, and his righteousness; and all these things shall be added unto you.” I also pondered the spiritual law of attraction, which says the universe will supply all the wants and needs in your life, if you just ask and believe…

    But in these troubled times, seeking anything spiritual is sometimes a task, as we try to cope with the world’s massive losses of the past few years, form incidents like 9/11 the Tsunami and hurricane Katrina. Not to mention where do we find the extra wallet full of money to fill our gas tanks to get the kids to school and drive back and fourth to work.

    The essence of the beautiful day escaped my grasp, as these thoughts clouded my head. Finally, we arrived at the trailhead. I

    What Your Customers Say About YOUR Site! Part 1
    The following is a list of patterns that many visitors follow, and you can use these suggestions to better your site.1. Your visitors often stay for less than 30 seconds. This is a very bad sign! There are a multitude of solutions for this. Often when a visitor leaves that fast, it's because something almost "forced" her (the average e-consumer is in fact a woman!) to leave. Frequent causes of this are ugly sites! I use the term ugly because many ugly sites are bringing in more money than you can imagine, but truley ugly sites, or ones with very hard to read / obnoxious text will force a visitor away.Your site may load far too slow! If your site loads slower than 20 seconds, you are literally driving away a third of your traffic. By the time the rest of the traff
    hall be added unto you.” I also pondered the spiritual law of attraction, which says the universe will supply all the wants and needs in your life, if you just ask and believe…

    But in these troubled times, seeking anything spiritual is sometimes a task, as we try to cope with the world’s massive losses of the past few years, form incidents like 9/11 the Tsunami and hurricane Katrina. Not to mention where do we find the extra wallet full of money to fill our gas tanks to get the kids to school and drive back and fourth to work.

    The essence of the beautiful day escaped my grasp, as these thoughts clouded my head. Finally, we arrived at the trailhead. I love being in nature and so does my son. We hit the trail, with our Aussie leading the way. I was silent and slightly detached as I thought about the state of the world, but my son, however, was quite the opposite. ‘Chatter Box’, is the best way to describe him. He was rambling on and on and on, about nothing really. Talking about frogs and salamanders, and the squirrels in the trees. He was asking me question after question about our woodsy surroundings. I started talking with him, answering all his questions, as we made our way to the summit.

    My mood lightened a bit, as I enjoyed this time with my boy. I love being with him. He’s so eager and innocent and ready to explore the wonders of the world. Wide-eyed and smiling all the time, I can’t help but be in a good mood when he is around. As we made our way up the steep section of this particular trail, he had some troubles. I let him figure out the path on his own, only briefly suggesting where he should put his feet and hands. As we came to the top of the small rock ledge, he said; “I think we are lost, Daddy,” Then excitedly exclaimed; “Look, a blue line on the tree. “This way, Daddy. This way—come on—come on!” I told him what a great hiker he is and thanked him for finding the way… Then it happened.

    There was a brief silence as he walked towards the tree with the painted blue trail marker on it. I was happy, but still in the back of my mind was worry and unease. Then, at that moment, my 4-? year old son turned to me, out of the blue, and said; “I love you, Daddy!” He rushed to my side and gave me a huge hug and kissed my cheek. My heart suddenly melted and I started to cry. “I love you Daddy,” rang through my mind and suddenly the stresses of the world did not affect me any longer. I was elated, and felt as if I ascended instantly to the lands of Heaven. “I love you Daddy,” with those simple words, life, with all of its pitfalls, horrors, plights and dangers was magnificent! Love really is the answer, for no matter what would of or could of happened to me at that moment, I was basking in the light of love, and everything was okay. John 4:12 says “No man hath seen God at any time. If we love one another, God dwelleth in us, and his love is perfected in us.” I, at that moment, felt the perfection of God’s love within me. And it all seems so clear. Love God, love yourself, love one another, love the earth and everything will be okay…

    So today I wake and give thanks for everything I have and the love, which is in my life. The headlines are still filled with sullen words of Katrina and the death toll. Gas seems to have stabilized, for the moment, and the sun again w

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