Monday, April 30, 2012

My most memorable Mother's Day... a tenacious memory that tugs at my heart and may touch yours.

by  Dr. Jeffrey Lant

Author's program note. My mother is dead now. But I want you to know that hardly a day goes by when I don't think of her... not in some idealized fashion either. For she was a vibrant, beautiful creature whose reality, for me, even if flawed, was more compelling than any fairy tale I might make up. And as for charm, why she was a by-word for that; I knew that before I even knew what charm could lead to. Some say that along with her penetrating eyes I inherited my full measure of that charm too. I leave that to you to find out.

This article is being written because it gives me the perfect opportunity to remember her... not just vaguely... but as she was and remains in my mind's eye, a real woman, my much loved and often argued with mother. Here I am able to indulge myself in the most profound memories, certain that I am writing this article for you... not just for myself. And because the woman is important and the day I am recalling here one of the handful of truly special days of her life (so she often told me afterwards), I savor every word as I think it, write it, consider it, review it -- and if not perfect and exactly so, change it. For there is not a word here or even a comma that I can accept in any other way. For you see, this was one of the handful of truly special days of my life... and I want you to share it and know why.

Thomas Gray, treasured poet.

Where did my mother's love affair with England and her poets begin? I cannot say, but I can recall that wherever we lived its premises were littered with the lyric beauty of the English language... where words mattered, where understanding them mattered, where using them to maximum effect mattered, and where a word was never an obstacle but a friend not yet known well enough, but welcome for all that. As such, books, rarely closed, always open with makeshift book marks were found in every room. We read as effortlessly as we breathed... and the splendor of language surrounded us, shaped us, sustained us... and no one more than my mother for whom poets were accounted special beings well deserving of the veneration they received from her... and in due course from me. And so the profound love between a mother and her first-born son was made manifest in the poems we discovered and shared, the readings of such poems to each other, and the meanings we strove to find... especially for me when she was gone before. Then these bonds mattered most of all.

Thomas Gray, 26 December 1716 - 30 July 1771, just 54 years old.

Thomas Gray was born in Cornhill, London, the son of an exchange broker and a milliner. He was the fifth of 12 children... 11 of whom died in infancy.  he smell of death permeated his young world... a constant visitor to his home, a constant reality where birth and mourning seemed inextricably linked and inevitable. And so he grew up wondering whether his own expected demise was nigh, accelerated by his abusive father. This recurring thought shaped his life, his outlook, and his poems. Later in life Gray became known as one of the "Graveyard poets" of the late 18th century, along with Oliver Goldsmith, William Cowper, and Christopher Smart. But for Gray this was not a pose; he had been to the graveyard too often too early for that. Death and Gray were on intimate terms from the start.

His sense of humor.

For all that Gray's life was turbulent and difficult, it had moments of unalloyed joy, not least because he had the valued knack of seeing the humorous side of even the most oppressive subjects. It is good to see he skewered the masters of Peterhouse at Cambridge University as "mad with Pride" and the Fellows of this College as "sleepy, drunken, dull, illiterate Things."  It was the kind of thing I wrote to my college friends, too, and I knew the joy of such characterizations.

My mother knew I wrote these kinds of acid word pictures; I sent them to her, and she carefully tied them with ribbons adding her own often equally acid responses. These, too, bonded us; we laughed together. Too, there were other traits which may have made her see me in Gray: he spent his time indoors, voracious reader, avoiding athletics and exercise of any kind. But when the companionship of his friends was offered, he was a crowd pleaser with the apt, devastating mot at the ready. Gray and I might have been siblings; surely Kindred Spirits... she must have seen this... and if so have approved.

"Elegy Written in a Country Churchyard".

Thus, my mother traveled to England where I was then working on my first book and asked me to accompany her to the setting of one of her favorite poems, the "Elegy" written slowly, painstakingly between 1742 and 1750. She had waited a lifetime for this excursion... and so she and I on Mother's Day went hand-in-hand to the ancient village of Stoke Poges, to the churchyard of the Church of England parish church of St. Giles. There great Gray's remains repose for the numberless ages, his monument weathered, tilted, too much too illegible, special torment for this man of perfect wording.

We had come hence to see, to learn, to venerate.... and in the graveyard to read the "Elegy", together, in turn, lyrically, each word a pledge to love each other now and forever, though I didn't know its purpose then.

She had her tattered, well thumbed Gray in hand, so did I.

So we commenced the reading, the first stanza hers by right to intone:

"The curfew tolls the knell of parting day/ The lowing herd wind slowly o'er the lea/ The ploughman homeward plods his weary way/ And leaves the world to darkness  and to me."

We are borne on these words to the place we most want to be with the person in this sublime moment we both wish most to be with.

Thus we walked and read together from the celebrated words which British General James Wolfe read to his officers September 12, 1759 the day before he was killed in battle, saying "Gentlemen, I would rather have written that poem than take Quebec tomorrow." It was an admission made by thousands of those who have thrilled to these sonorous words and their eternal relevance to struggling mankind.

'Far from the madding crowd's ignoble strife"

Now my mother has gone the way of all flesh, the way we all must trod in time. We know such an end is natural but that does not assuage the bitter grief and finality of the matter, particularly when the dear departed is one's mother.  This loss is bitter indeed at whatever age it occurs.

Thomas Gray knew all this and in his beloved "Elegy", popular from the moment of publication, popular still, he gave us all the words we need to cope, find hope and resignation -- and the words of remembrance and above all of love.

Thus whenever I miss her and want her near me in all her humanity and that dazzling smile I can never forget, I take down from the clutter of my library her copy of Gray's "Elegy" and read it aloud, as we did that memorable Mother's Day so very long ago. Whenever possible I go to any search engine and play Domenico Scarlatti's Sonata in D minor (published 1738). It was one of Gray's favorites and perfect accompaniment to his surgically precise words.

"The boast of heraldry, the pomp of power/ And all that beauty, all that wealth e'er gave/ Awaits alike the inevitable hour/ The paths of glory lead but to the grave."

But not, with God's help and with Thomas Gray's, to the dark void of forgetfulness and oblivion. They have given us the joys of memory and the words we need to summon it --and our loved ones -- at will and thus they live again in us.




 About the Author

Harvard-educated Dr. Jeffrey Lant is CEO of Worldprofit, Inc., providing a wide range of online services for small and-home based businesses. Services include home business training, affiliate marketing training, earn-at-home programs, traffic tools, advertising, webcasting, hosting, design, WordPress Blogs and more. Find out why Worldprofit is considered the # 1 online Home Business Training program by getting a free Associate Membership today. Republished with author's permission by Ruthsella Corasol  http://WorkingAtHome101.com

Sunday, April 29, 2012

The cost of Liberty! An appreciation for the life of Romanian patriot GabrielTepelea, dead at 95. April 12, 2012. What Romania must always remember... and what we must never forget.

by  Dr. Jeffrey Lant

Author's program note. All of a sudden it is very cold. I sense there are intruders in the house, intruders running rapidly through the rooms, looking for something, for someone. I hear a piece of crockery fall to the floor and shatter. I hear a scream... it is my sister... in a thick muffled voice I hardly recognize as hers she is saying over and over again, "Don't touch me! Don't hurt me!"

Then I see men, leering men, who bayonet the portrait in the hall, my grandfather, its slashed elegance crashing to the floor.

Then the men, Red Army men, see me. I am afraid... and colder than I have ever been....

I wake up, sharply, sweating despite the rush of frigid air from an overnight storm, the window left open. I am shaking but home. In Cambridge. Pulling down the sash solves the problem. My dream is just that...

... but for Gabriel Tepelea, cultivated man, magnificent linguist, my nightmare was his ever present reality; my reality what he never ceased to dream of -- and strive for.

Remember!

This is why we must remember him, his oppressions, his advocacies, his penuries, debasements, indignations, losses, struggles, humiliations and above all his services to the nation he loved so well and in so many ways -- Romania! The land of unparalleled beauty... and tragedy.

To set the mood, I give you the famous "Sanie cu zurgalai" folk song. It is Romanian to its core, brilliant, soaring, sophisticated, ardent, sensual. It is about a young man in love with a beautiful  girl and the sleigh which he stylishly decks out to fetch her. Every Romanian loves this song, because it reminds them of the impetuosity of youth, their youth, and its fast-passing joy. Go to any search engine to find it. I recommend the bravura performance of Angela Gheorghiu and hope someday someone will sing this to me... with only a bottle of fine Tokay between us... and nothing more, except the history we are about to make -- and remember.

Why you know nothing about Romania. A clue from  Neville Chamberlain.

On 3 July 1938 British prime minister Neville Chamberlain gave a speech at Kettering which showed in an instant why a nation like Romania was an irritant, unworthy of even a moment's notice by Western nations. "How horrible, fantastic, incredible it is that we should be digging trenches and trying on gas-masks here because of a quarrel in a far away country between people of whom we know nothing."

The uncomprehending Chamberlain specifically meant Czechoslovakia; he would have been even more contemptuous and disbelieving about even more far away and even less important Romania. Thus was Romania, for all that it was the fourth largest nation in Europe, for all that its language was Romance and the habits and inclinations of its haute bourgeoisie Parisian, forced to make its way as best it could between the great menaces of Nazi Germany and Stalin's Russia. Here was a Gordian knot unsolvable by mere mortals. Certainly no statesman then living, Romanian or other. This was a business better left to the gypsy fortune-tellers of the land and their opaque predictions.

And so in 1947 the last king of Romania, courageous Prince Michael (born 1921) was forced to abdicate, whilst total Soviet domination ensured the destruction of everything and everyone who opposed them now or might ever oppose them. This was the bleak, unimaginable, little understood and less reported world of Gabriel Tepelea. And while hundreds of thousands of his countrymen died horrible deaths, Tepelea was forced to find the uncertain, perilous path to life and freedom. That he did so without sacrificing his honor, his soul or the essence of his humanity is his genius and the reason for celebrating the man. For he survived as a thinking man... and that under the circumstances of his difficult life was a triumph indeed.

His early life.

Born in the western Romanian city of Oradea, Tepelea joined the center-right Peasant Party in 1933 and was a strenuous advocate of democracy and particularly of the farmers who constituted ninety per-cent of the population. The work was arduous, strenuous, and necessary. He learned that the only way for Romania, or any other nation to advance, individual people must advance. And so he worked for the structural changes to ensure they would, his particular project being the amelioration of the harsh lives and conditions of the farmers of Transylvania. Thus, he adamantly opposed the transfer of Romanian Transylvania to Hungary during World War II. It was important work, but not yet his finest. That was to begin in 1945... the year my nightmare in Cambridge became Romania's bitter destiny and Tepelea's daily life.

The Soviets seize control.

Using its unrivaled regional military power, deceit, trickery, chicanery and bold faced lies, the USSR invaded Romania in 1945 and simply refused to leave. Instead they did everything to sublimate, eviscerate, destroy and humiliate a nation that was at that moment in its turbulent history actually allied to Russia. By now a nationally known politician, Tepelea was amongst the first to feel the bite of the lash. It cut deep.

All power to the soviet.

Soviet domination came swift, fast, catastrophically. Tepelea was arrested,  imprisoned, his assets confiscated. And so for ten wearing years he endured the black place which took many and gave up few. What helped him endure was words. For Tepelea was a gifted author, linguist and communicator. Words strengthened him, sustained him, enlightened and comforted him... and so language and its uses kept him alive until he was released in 1955, consigned to do unskilled labor and the petty miseries of enforced drudgery and poverty. But he had survived...... and he intended that Romania would survive, too.

Thus, he set about doing the two necessary tasks essential for achieving the objective: continuing his long deferred work with the Peasant Party... and making sure today's privileged youth understand the necessary cost of freedom and liberty -- never-ending vigilance being a prime ingredient.

So did Gabriel Tepelea spend the gift of his lengthy years in service to the nation and to its youth. He was a lawmaker for the Peasant Party for 10 years until 2000, serving as deputy leader of the party. And he pursued his career in education, both teaching and becoming dean of the Philology Faculty in the western city of Timisoara in the early 1970s. He specialized in Romanian and French -- and in truth. He was an expert in each.

Tepelea's eternal relevance.

His message was clear, unmistakable, more relevant and necessary to impart as the severe realities distinguishing his life grew murky and indistinct. Liberty, he intoned, must never be taken for granted; freedom comes only to those who value it above all and are willing to do its work, no matter how arduous, how difficult, how inconvenient. 

Now the man is dust... but his message, found in his over 20 books and many articles, goes on... and must go on until the world understands not merely the benefits of liberty and freedom... but its unceasing, inexorable, insistent cost.... a cost Tepelea paid in full and gladly... but which you may not yet have paid at all. Will you do so when your time comes?

As for you, Gabriel Tepelea, go to your rest enveloped in this quintessential sound of the Romania you have served, none better:

"More beautiful is my lover/ Tonight I will go to her/ Sledge with little bells." Godspeed you to this blissful rendezvous well earned and forever .


 About the Author

Harvard-educated Dr. Jeffrey Lant is CEO of Worldprofit, Inc., providing a wide range of online services for small and-home based businesses. Services include home business training, affiliate marketing training, earn-at-home programs, traffic tools, advertising, webcasting, hosting, design, WordPress Blogs and more. Find out why Worldprofit is considered the # 1 online Home Business Training program by getting a free Associate Membership today. Republished with author's permission by Ruthsella Corasol http://WorkingAtHome101.com

Boost Your Profits With Forum Marketing

Forum marketing is a way of using forums to gain traffic to your website. Also when you use a forum to market your site, it will result in more sales of either your product or service. This however will depend on the type of website that you are trying to promote.

When you use forums to market your product, it should be done quietly without raising eyes. More and more forum owners in today?s internet world are keeping an eye out for spammers and if you are caught spamming you will be banned. You need to use just your signature line to promote your product and use the content to answer questions or offer ideas. If you follow this idea, you will have a less chance of your post being deleted or worse like getting banned from that particular forum.

You need to be aware though some forums will require that you make a certain amount of posts before you create a signature line. This will allow you the chance to build your reputation before you start to promote your product. If you are just beginning though you need to avoid these forums because you need to get your name out quickly. But be aware though even if you do have a forum that allows you to create a signature line right away you will still need to build up your reputation before pushing your product. If you carefully execute your forum marketing, it can be an effective marketing tool for you.

Forum marketing is effective because for one reason they usually contain a high volume of users that are interested in the same topic. If your site is related to the topic of the forum, it opens up the doors for you to a network of potential customers. Another reason why they are so effective is that you are able to get information on problems that the community might be having. When you have collected this information, you can use it to create new products to introduce to the forum community.

You need to execute your forum marketing campaign with extreme care. You should post at a minimum of 50 times before you even attempt to promote your product. This is even true if you belong to a forum that allows you to create a signature line with less than 50 posts. You need to establish your reputation as an expert on the subject first otherwise you will have a great chance of failing. Also, you need to make sure all of your posts are of the highest quality. Do not make your posts either too short or too long. Your aim in your posts should also be toward helping other fellow forum users with a certain problem or issue. You should begin your posts with just simple answers to people?s ideas or problems. After you feel comfortable, you can issue your own set of ideas and issues.

When you are creating your signature line it should be interesting and appeal to the reader instead of just being a sales pitch. Try and arouse the reader?s curiosity by stating that there is a secret that can only be revealed on your website. You can also offer a free-book that relates to your business if the visitor clicks on the link. These are great ways to get visitors to your site and when they do they will most likely sign up as a visitor as well.

You have the chance to have great website traffic when you advertise through forums if they are done correctly. It can add to more sales, newsletters, and sign ups among others which is something that you cannot get from any other site without spending a lot in advertising dollars.

Ruthsella Corasol is the Owner of  http://WorkingAtHome101.com. Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

Thursday, April 26, 2012

by  Dr. Jeffrey Lant

Author's program note. All of a sudden it is very cold. I sense there are intruders in the house, intruders running rapidly through the rooms, looking for something, for someone. I hear a piece of crockery fall to the floor and shatter. I hear a scream... it is my sister... in a thick muffled voice I hardly recognize as hers she is saying over and over again, "Don't touch me! Don't hurt me!"

Then I see men, leering men, who bayonet the portrait in the hall, my grandfather, its slashed elegance crashing to the floor.

Then the men, Red Army men, see me. I am afraid... and colder than I have ever been....

I wake up, sharply, sweating despite the rush of frigid air from an overnight storm, the window left open. I am shaking but home. In Cambridge. Pulling down the sash solves the problem. My dream is just that...

... but for Gabriel Tepelea, cultivated man, magnificent linguist, my nightmare was his ever present reality; my reality what he never ceased to dream of -- and strive for.

Remember!

This is why we must remember him, his oppressions, his advocacies, his penuries, debasements, indignations, losses, struggles, humiliations and above all his services to the nation he loved so well and in so many ways -- Romania! The land of unparalleled beauty... and tragedy.

To set the mood, I give you the famous "Sanie cu zurgalai" folk song. It is Romanian to its core, brilliant, soaring, sophisticated, ardent, sensual. It is about a young man in love with a beautiful  girl and the sleigh which he stylishly decks out to fetch her. Every Romanian loves this song, because it reminds them of the impetuosity of youth, their youth, and its fast-passing joy. Go to any search engine to find it. I recommend the bravura performance of Angela Gheorghiu and hope someday someone will sing this to me... with only a bottle of fine Tokay between us... and nothing more, except the history we are about to make -- and remember.

Why you know nothing about Romania. A clue from  Neville Chamberlain.

On 3 July 1938 British prime minister Neville Chamberlain gave a speech at Kettering which showed in an instant why a nation like Romania was an irritant, unworthy of even a moment's notice by Western nations. "How horrible, fantastic, incredible it is that we should be digging trenches and trying on gas-masks here because of a quarrel in a far away country between people of whom we know nothing."

The uncomprehending Chamberlain specifically meant Czechoslovakia; he would have been even more contemptuous and disbelieving about even more far away and even less important Romania. Thus was Romania, for all that it was the fourth largest nation in Europe, for all that its language was Romance and the habits and inclinations of its haute bourgeoisie Parisian, forced to make its way as best it could between the great menaces of Nazi Germany and Stalin's Russia. Here was a Gordian knot unsolvable by mere mortals. Certainly no statesman then living, Romanian or other. This was a business better left to the gypsy fortune-tellers of the land and their opaque predictions.

And so in 1947 the last king of Romania, courageous Prince Michael (born 1921) was forced to abdicate, whilst total Soviet domination ensured the destruction of everything and everyone who opposed them now or might ever oppose them. This was the bleak, unimaginable, little understood and less reported world of Gabriel Tepelea. And while hundreds of thousands of his countrymen died horrible deaths, Tepelea was forced to find the uncertain, perilous path to life and freedom. That he did so without sacrificing his honor, his soul or the essence of his humanity is his genius and the reason for celebrating the man. For he survived as a thinking man... and that under the circumstances of his difficult life was a triumph indeed.

His early life.

Born in the western Romanian city of Oradea, Tepelea joined the center-right Peasant Party in 1933 and was a strenuous advocate of democracy and particularly of the farmers who constituted ninety per-cent of the population. The work was arduous, strenuous, and necessary. He learned that the only way for Romania, or any other nation to advance, individual people must advance. And so he worked for the structural changes to ensure they would, his particular project being the amelioration of the harsh lives and conditions of the farmers of Transylvania. Thus, he adamantly opposed the transfer of Romanian Transylvania to Hungary during World War II. It was important work, but not yet his finest. That was to begin in 1945... the year my nightmare in Cambridge became Romania's bitter destiny and Tepelea's daily life.

The Soviets seize control.

Using its unrivaled regional military power, deceit, trickery, chicanery and bold faced lies, the USSR invaded Romania in 1945 and simply refused to leave. Instead they did everything to sublimate, eviscerate, destroy and humiliate a nation that was at that moment in its turbulent history actually allied to Russia. By now a nationally known politician, Tepelea was amongst the first to feel the bite of the lash. It cut deep.

All power to the soviet.

Soviet domination came swift, fast, catastrophically. Tepelea was arrested,  imprisoned, his assets confiscated. And so for ten wearing years he endured the black place which took many and gave up few. What helped him endure was words. For Tepelea was a gifted author, linguist and communicator. Words strengthened him, sustained him, enlightened and comforted him... and so language and its uses kept him alive until he was released in 1955, consigned to do unskilled labor and the petty miseries of enforced drudgery and poverty. But he had survived...... and he intended that Romania would survive, too.

Thus, he set about doing the two necessary tasks essential for achieving the objective: continuing his long deferred work with the Peasant Party... and making sure today's privileged youth understand the necessary cost of freedom and liberty -- never-ending vigilance being a prime ingredient.

So did Gabriel Tepelea spend the gift of his lengthy years in service to the nation and to its youth. He was a lawmaker for the Peasant Party for 10 years until 2000, serving as deputy leader of the party. And he pursued his career in education, both teaching and becoming dean of the Philology Faculty in the western city of Timisoara in the early 1970s. He specialized in Romanian and French -- and in truth. He was an expert in each.

Tepelea's eternal relevance.

His message was clear, unmistakable, more relevant and necessary to impart as the severe realities distinguishing his life grew murky and indistinct. Liberty, he intoned, must never be taken for granted; freedom comes only to those who value it above all and are willing to do its work, no matter how arduous, how difficult, how inconvenient. 

Now the man is dust... but his message, found in his over 20 books and many articles, goes on... and must go on until the world understands not merely the benefits of liberty and freedom... but its unceasing, inexorable, insistent cost.... a cost Tepelea paid in full and gladly... but which you may not yet have paid at all. Will you do so when your time comes?

As for you, Gabriel Tepelea, go to your rest enveloped in this quintessential sound of the Romania you have served, none better:

"More beautiful is my lover/ Tonight I will go to her/ Sledge with little bells." Godspeed you to this blissful rendezvous well earned and forever .



 About the Author

Harvard-educated Dr. Jeffrey Lant is CEO of Worldprofit, Inc., providing a wide range of online services for small and-home based businesses. Services include home business training, affiliate marketing training, earn-at-home programs, traffic tools, advertising, webcasting, hosting, design, WordPress Blogs and more. Find out why Worldprofit is considered the # 1 online Home Business Training program by getting a free Associate Membership today. Republished with author's permission by Ruthsella Corasol http://WorkingAtHome101.com

Wednesday, April 25, 2012

Best Interest Rates

A lot of people are taking stock today to make sure that the investments they have are the right choices for their long term goals.  If anything good comes out of this current economic downturn it will be the fact that people are becoming more proactive with their money and investments.  That new attitude will help everyone get closer to achieving their long term financial goals.  One of the first things you will want to do when reevaluating your investments is to make sure you are getting the  best interest rates. 

If you have a savings account you can check various banks, online and off, to see who is offering the best rates. Before you decide to change banks, though, make sure you fully understand what other rules the bank has.  Even if you could earn a higher interest rate you may find that you have to maintain a higher minimum balance, or the bank might charge more or higher fees.  Just remember to find out all the details before you make a decision.

Generally speaking, when investing in certificates of deposit,  the longer term your investment and the larger the amount invested, the higher the interest rate you will earn.  That's because the bank wants to use your money to lend to others.  That's how the system works.  The longer you agree to let them use your money the more money they can make.  In order to encourage you to leave your money invested longer they will agree to pay you more in interest. 

One the downsides, though, is the fact that if you want to withdraw your money early you will lose a significant amount of interest as a penalty.  CD's can be a good investment for many people since they are government insured so they are less risky, yet they will still provide an attractive interest rate. 

Remember that a high rate is only one element.  There are other factors you will need to consider before opening an account.  Here is a list of some things you need to be on the lookout for:

1.  Make sure you always, always, read and understand that fine print. Many people think that since they are dealing with a reputable bank they don't have to read the fine print since there's no way this huge bank would rip them off.  And that's probably true, but, you do need to make sure you understand how much interest you will earn, how to access your money, what fees the bank charges and for what, and if you're investing in a CD you will need to know if the interest rate is fixed or variable, how it will be paid out, what the maturity date is, etc. 

2. How much money will you need to open an account, or buy a CD?  Some banks offer more choices than others.  Not everyone has an extra $100,000 sitting around to invest, and not everyone wants their money tied up in a CD for 10 years.  These are things you need to know ahead of time, and don't just take someones word for it, get it in writing.

3.  Don't make the mistake of just going with whatever bank has the highest interest rate.  Remember, the interest rate is important but there are other factors that you will have to take into consideration before you open an account or invest.

When it comes to finding the  best interest rates you can use a service like Bankrate.com.  Make sure to only use rate information as a starting point.  Once you've narrowed it down to several banks make sure you ask all the questions I've listed above so that your money will not only be working hard for you, it will also be easy for you to get to.

Ruthsella Corasol is the Owner of  http://WorkingAtHome101.com . Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

Tuesday, April 24, 2012

The angel in my house, the alluring Catherine Stephens, countess of Essex,painted by Sir Martin Archer Shee, PRA.

by  Dr. Jeffrey Lant

Author's program note. Do you believe in fate? Do you believe that there are people on this planet we are meant to meet? That we will meet... no matter how unlikely that seems at this moment? When I contemplate the matter objectively as my training as a social scientist demands, I come to the obvious, the expected, the empirical conclusion that the idea of fate is superstitious hokus-pokus... then a chance encounter with Catherine Stephens occurs and challenges my logic, for surely this is kismet indeed.

Some background.

I am that most uncomfortable and difficult of beings, a connoisseur; that is a person who is engaged in the strenuous, never-ending search for rapture; a state which occurs whenever I see a thing and know that thing must be mine, cannot go anywhere but to me... for my well-being, the very completion of myself depends on my acquiring it.

Every connoisseur knows this unsettled state for each of us goes through it, especially (it seems) when money is in short supply, possibly due to having only recently been so touched and agitated... by something else.

But there's the rub. Whenever one enters this condition, it is as if for the very first time, so intense, so unsettling are the pangs. And this can happen anywhere at anytime. Be warned.

In the matter of Catherine Stephens they occurred as I perused the pages of the Dorotheum auction catalog for The Prince Kinski Sale, February 28, 2012. Lot 96. Given my interest in the nobility and royal families of Europe, it was inevitable I should consult this catalog... and perhaps find something; but by no means inevitable that thing would be a portrait of a lovely actress and singer elevated into the highest echelon of the English aristocracy. Yet just as Catherine Stephens captivated and in 1838 married the octogenarian fifth earl of the ninth creation of Essex, the Right Honorable George Capell-Coningsby (1757-1839) ... so she captivated me... and so (I warn you) she will captivate you, too. 

Some facts about Miss Stephens.

Catherine Stephens (1794-1882) was the daughter of Edward Stephens, a carver and gilder in Park Street, Grosvenor Square, London. Theirs was a musical family... and her musical talent was encouraged. Thus, on 23 September 1813 she appeared at Covent Garden as Mandane in the opera "Artaxerxes" by Thomas Arne (1710-1778) . He was the celebrated composer who wrote "Rule, Britannia!" and even a version of "God Save The King", which became the British national anthem. She was in very good company indeed...

... and (I warned you) she enchanted them all. The aria that launched her career was  "The soldier tir'd of war's alarms", and it was theater magic.

You'll want to hear it. And you can. Go to any search engine where you can hear Joan Sutherland's 1960 performance. Now imagine the lovely very young Catherine's candlelit debut and the dulcet tones which made each member of the restive audience believe -- no, not just believe but know -- she was singing just for them. That was always to be her secret...

That quality was instantly apparent in this circa 1838 portrait by Sir Martin Archer Shee (1769-1850). This was the most sympathetic face I had ever seen. And it was instantly clear that he, too, for all that he was consummate master of his craft, knight of the realm and President of the Royal Academy (PRA) had felt the power of her serene radiance.  Thus perforce did I stop to regard.

Most pictures of grand ladies, particularly titled ladies, say, "Look at me and be honored to do so. For I am worth the viewing." Such pictures may awe and dazzle... but they do not warm or beckon us. They are about the subject, not the viewer. But Shee's inviting portrait makes you feel certain about your reception, certain she wants to meet you and will be good to you. Above all that she will be good to you.... for that is what we all need.  And if that quality is immediately apparent in the sitter it is not just because Shee is a master, supremely confident in his skill, but because it was there for all the world to see in the lady herself.

Hard times for the Kinskis. Hard times for the painting.

To understand the fate of this picture you must understand something of the noble families of Mitteleuropa, families which were the foundation of the Austro- Hungarian empire. When it fell in 1918 families like the Kinskis lost the fruits of their hundreds of years of advancement. Their lives ceased to be glamorous but rather one lawsuit after another, largely futile attempts to regain property -- and self-esteem. Throughout the declension of their lives and fortunes, the princes Kinski kept this picture. And it was in the old prince's drawing room when he died. It was, remember, always comforting.... even when its condition was dire... as it was when I saw it and asked Simon Gillespie to give me his opinion.

Miss Stephens charms Mr. Gillespie of Cleveland Street.

London England-based Simon is my chosen conservator, the man who has restored over 30 of my pictures and upon whose informed opinion I rely, picture after superbly restored picture. As much a master of his craft as Arne and Shee in theirs, he, like them, felt the enduring charm of Catherine Stephens and wanted to restore the picture as much for her sake as for mine.

Thus he and his talented staff set to their important work, removing the dirt of time and poor maintenance, old varnishes and over paint applied by less careful and discerning hands. When this was finished, the now pristine canvass yielded a considerable secret using radiology, namely that Shee had originally positioned the sitter quite differently, for a full frontal pose with both shoulders visible. But as Shee painted he came to see his subject better and divine the source of her undeniable allure. And so he started again, his flamboyant technique very apparent in the repositioned result that captivates ... and makes such an entrancing vision and desirable painting.

This is the image not just of one particular woman but of what the Victorians wanted from Woman in general, kindness, courtesy, sweetness of face and of manner, a willing ear, sympathetic at all times, generous of spirit -- in short the celestial ideal advanced by Coventry Patmore (1823-1896) in his important poem "The Angel in the House" written in stages from 1854-1862.  It was an image that swept the world..

"Now she was there! Within her face/Humility and dignity/ Were met in a most sweet embrace/She seem'd expressly sent below/ To teach our erring minds to see/ The rhythmic change of life's swift flow/ As part of still eternity."

This is why this portrait of a lady and exalted countess is so important. You see, it makes clear what Woman may choose to be and of her profound significance in our often sore afflicted and troubled lives. I know, for when in my own life such troubles emerge, as troubles can do, I look up at this soothing, welcoming image now here before me in Cambridge and find comfort, peace and the kindness we all need.


 About the Author

Harvard-educated Dr. Jeffrey Lant is CEO of Worldprofit, Inc., providing a wide range of online services for small and-home based businesses. Services include home business training, affiliate marketing training, earn-at-home programs, traffic tools, advertising, webcasting, hosting, design, WordPress Blogs and more. Find out why Worldprofit is considered the # 1 online Home Business Training program by getting a free Associate Membership today. Republished with author's permission by Ruthsella Corasol http://WorkingAtHome101.com



Monday, April 23, 2012

Benefits Of Article Advertising Or Article Marketing

Article advertising or article marketing can be the key to not only making money but having a successful business. If you have a product or service that you are trying to promote then one of the best and most cost effective ways is by using article advertising.

Article advertising is a type of marketing effort in which you write short articles, about 400-600 words, related to the product or service you wish to promote. If they are well written they will, after getting distributed to various online article directories that will be easily found on search engines and read by people interested in what you have to offer.

In article advertising, well written article will be constructed in such a way that it has strategic placements of keywords and keyword phrases used by those who are searching for what you have to offer. This will make your article easily found by search engines and can help get you noticed earlier by future consumers.

Some of the benefits of article advertising are:
1)    It is a great way to gain respect in the niche you are trying to reach. If they see your well written and informative article they will see you as an authority. The more that you have written about a certain area, the more trusted you will be and the more likely they will be to buy what you offer.
2)    It is very cost effective. If you write the article yourself it will only cost you the amount of time and energy you put into researching and writing the subject. If you can't write well, you can easily find those who are able to write for you who are affordable and will let you put your name on it, aka, ghostwriters. These are many times very affordable, though you need to make sure that they are able to give you unique content and are native speakers in the language you are trying to market in.
3)    Links are also a great benefit to article advertising. Your well written article will have a link back to your website and will also have a resource box with a strong call to action. This will invite those reading the article to go to your site to find out more about what you have to offer. This will also help your search engine ranking.
4)    It helps you reach a much larger target audience than you otherwise would have. Those who are really interested in what you are offering will be the ones who read your article. You won't be putting your marketing efforts in front of people who may or may not care about what you have to offer. It will be read by people who are truly interested in what you are doing and are also very likely to buy what you are selling.


Article marketing or article advertising is a great way to get attention to your products or services, if it is used correctly. Take some time to learn how to do it the right way or find a good ghost writer to do the work for you and you will find customers who are not only willing to buy from you, but trust that you are going to meet their needs and may come back to you for other purchases. Done correctly, article advertising can help you climb to the top and make you a success.


 Ruthsella Corasol is the Owner of http://WorkingAtHome101.com. Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

Friday, April 20, 2012

On the education of adults, being candid thoughts about the most mulish,obstinate, and uncooperative student on earth -- you!

by  Dr. Jeffrey Lant

Author's program note.  In "Vanity Fair", the inimitable and always intelligent classic novel written by English author William Makepeace Thackery in 1847- 1848, there is a telling vignette, one of those gems that distinguishes the master of human insight and prose from any pedestrian practitioner of the writer's craft.

This one is of the "do as I say, not as I do" variety that makes clear how too many adults approach the business of education when they are out of the classroom and they have children of their own. They extol it to the skies... without any attempt to do the necessary for themselves. Thus, this notable scene...

Captain Rawdon Crawley, once the most dashing officer in His Majesty's forces is by now worn down into the hapless lapdog of his aptly named lady Becky Sharp. Captain Rawdon one day tells his young son and heir young Rawdon to keep to his Latin and master it. "Nothing like it," Crawley pere tells Crawley fils. "Keep it up, m'lad, keep it up". But young Rawdon is already wise to the ways of adults, who say a thing but do not themselves do that thing... and so the problem of the fathers becomes the problem of the sons; world without end forever and ever. And that is problem indeed.

To see what I can do to help solve this immemorial problem, as old as Eden,  I have called upon the wild tempi and leaping, pulsating sounds of Frantz Liszt (1811-1886), particularly the four waltzes that comprise "The Mephisto Waltzes" written in stages between 1859-1885. The music is enthralling and motivating, the title is inspired... for Mephistopheles ("Mephisto") is an archetypal German folk character, some say a demon noted for his unflagging energy, limitless imagination and the games he plays with humans when he is bent on mayhem. Go now to any search engine and select the version you like of this dazzling brilliance. I prefer the one by Vladimir Horowitz. (1903-1989).

To play these games, improve his abilities and always to perfect himself, is his true goal. And he is indefatigable in pursuit of this perfection. Thus, Mephistopheles is always at work learning, gathering useful information, applying it, making it work for him... whether for mere mischief or greater ill. He turns ignorance into knowledge... knowledge into action... action into control... and control into mastery. And he never stops... for as long as there is a single thing he does not know, use, and control, he cannot rest... he must know... to grow... and so he does, one millennium after another.

What chance have we mere humans against such a one as this never sleeping Mephisto?

Just this. Mephistopheles works alone... and is condemned to be all alone for eternity. But we humans, imperfect though each of us is, with a life length that is trivial compared to his yet can learn more, combat Mephisto, and gain victory.... IF... (and this is the biggest if ever) we will continue our own learning and share what we learn with each other, for each over. Thus will we puny mortals be more than enough for the greatest of demons who knows that we together, with every flaw known, are greater than he is though he brings centuries of erudition and connivance to this great matter.

But Mephisto, too, knows another thing of import... that we humans are easy to seduce from the ways which improve our lives and extend our dominion... for we are too often distinguished not by what we do... but what we have left undone. For we are lazy, slothful, procrastinating, easy to distract from what must be done... focusing on the insignificant and useless...whilst all around us tasks which must be done go undone... for lack of initiative, focus, care and efficient system.

And so Mephistopheles turns the immensity of human flaws into the engine that enables him to compete against our multitudes and thus thwart us, block us, and keep us from our great works and inspirations.

What must be done to gain the victory for humanity and not the imp of chaos and evil?

Simply this. We must master two vital tasks which we have so far conspicuously failed to do: educate ourselves, then use what we have learned to work together to achieve our objectives and rout Mephisto.

Thus, we must embrace the goal of learning, not just of studying a subject in school, but embracing it far beyond the classroom, right up to our very last day on Earth.

We must stop talking about the importance of learning but instead do it daily. Sadly, all too many people consider their education finished when they graduate ...this is the view Mephisto wishes us to adopt, for such an opinion turns every such believer into guaranteed obsolescence and superfluity. Remember, you are what you know... so Mephisto is delighted that what you know is outmoded and often just plain wrong. Thus...

Mephisto wants you to talk about the value of education to young people but do nothing but talk about it. This is part of his grand scheme for the extent to which such young people see you as a hypocrite, saying one thing, doing quite another, is to his benefit.

Mephisto wants you to bungle, mangle, twist, torture and blunder through your language, the more mistakes you make the better. You see, words (as no one knows better than he) are power. The more words you know, the more words you use, the more power you have. As a result, Mephisto wishes you to see words as the enemy and therefore to regard them as unbearable impositions, burdens, oppressions... rather than the empowering tools they most assuredly are -- a truth Mephisto will do everything in his considerable power to ensure you never learn and profit from.

Thus, he exults in every linguistic error you make, for such mistakes, whether picayune or significant diminish you as a human.  When the means of improving your language uses are at hand but are unused by you, what's a youngster to think -- and do? And so your characteristic language misuses are passed to the next generation which assumes your many such errors are acceptable. After all, since you engage in them regularly, without doing anything to improve, why shouldn't they? Score another bull's eye for -- Mephisto.

Thus doth Mephisto fly over his wide domain, where he grins triumphantly when he hears adults making pronunciation error after pronunciation error.... each of which could so easily be corrected... and would be except for the fact those making such errors make no effort to improve. Why should they? Aren't they good enough imperfect as they are? Why should any attempt to improve be made.? Saying they should improve should surely be enough. So does shrewd Mephisto ensure that humans place themselves in fetters and accept their diminution.

Texting, the demise of our majestic language and all it has enabled us to achieve.

Not too long ago Mephisto took counsel with himself -- and thrilled. For he put all his erudition to work creating a device that would ensure his power forever. It was to be a device what would seduce the world, particularly the young people designated to carry on the necessary work of humanity. Mephisto offered them a machine that would give them instant access to each other... but eviscerate, diminish and destroy the ability to provide maximum understanding. Communication would be instantaneous but at the cost of meaning. Thus the young people you see texting constitute the biggest success in history for Mephisto. And, as he immediately points out, we have done this of our own free will.

No wonder Mephisto's grin is expansive... as he leans back enjoying the mayhem which is his life's work... and which has grown with the unwitting support of his luckless victims.... us.

 About the Author

Harvard-educated Dr. Jeffrey Lant is CEO of Worldprofit, Inc., providing a wide range of online services for small and-home based businesses. Services include home business training, affiliate marketing training, earn-at-home programs, traffic tools, advertising, webcasting, hosting, design, WordPress Blogs and more. Find out why Worldprofit is considered the # 1 online Home Business Training program by getting a free Associate Membership today. Republished with author's permission by Ruthsella Corasol http://www.workingathome101.com

Thursday, April 19, 2012

Beat Credit Card Debt In 3 Easy Steps

WOW, what ever happened to our economy? It seems like all of a sudden things went right down the tubes. Suddenly we are all swimming, and drowning, in debt. Now what? How do we fix our financial mess? How do we beat credit card debt once and for all? Easy, I'll show you... Unlike our parents generation when using credit was considered embarrassing and a sign of poverty, our society today encourages debt. No one thinks it's wrong to use credit as a way to live way beyond our means. It's even become something of a status symbol to have a lot of credit cards. Unfortunately, that financial philosophy is proving to not be such a great idea after all. So many of us were living at the very brink of our financial limits and one tiny little push was all it took to send us teetering over the cliff. We can't go back and change the decisions we made yesterday but we can change what we do today so that we can be more secure tomorrow. There are several things you can start doing today that can help you find a much more stable financial footing and can keep you on balance for the rest of your life, no matter what the economy decides it's going to do. To tame your credit card debt use these simple tips: 1) Consolidate your debt. This means that instead of paying $50 a month on 10 credit cards ($500/month) you combine all your debt into one loan and pay one smaller fee ($300/ month, for example) Most consolidation loans accrue interest differently than a credit card so you will be paying more in principle with every payment. If you are only paying the minimum fee on your credit card bill you are paying only interest. You are not even touching the principle. You will have a very hard time ever paying your card down that way. There are many debt consolidation services available today. Start by asking your local bank who they recommend. 2) Do it yourself. Even if you can't increase your income you can still pay off your debt yourself. It will take time and discipline but it has worked for thousands of people. This method simply requires you to pay the minimum payments on all of your credit cards every month, focusing on the smallest debt and adding any extra money to that card every month. Remember that adding even a few extra dollars a month to your minimum payment will go directly to the principle. After a while you will have the smallest debt paid off. When you reach that point you will take the money you were using to pay on that card and apply it to the next smallest debt. And so on, and so on, until all your credit card debt is paid off. Getting yourself out of debt isn't going to be easy. It's always tough to change habits. But if you beat credit card debt once and for all you will have a much more secure financial future and it doesn't matter what the economy does, you'll be set! Ruthsella Corasol is the Owner of http://WorkingAtHome101.com. Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

After Hours Trading Quotes

Many investors understand the after hours trading quotes can provide them with a pricing indicator for the next day?s trading activity. After hours trading quotes can also offer some insight into the trading activity of international markets that open for trade after the US market has stopped trading for the day. Remember, these are just insights. They aren?t a true representation of how that stock?s price will react the following trading day, but many investors are still able to glean information and develop stock analysis figures from the after hours prices and movements regardless. The New York Stock Exchange and the NASDAQ are open for trading between 9.30am and 4.00pm Eastern Time. Originally, only high net worth investors and institutional investors were given the opportunity to trade after hours. The introduction of ECN, or Electronic Communications Networks, in 1999 allowed smaller investors to trade after hours. Many investors saw this as a major advantage, as the ability to trade directly with other investors via registered ECN brokerage firms allowed them to reduce the cost of transactions and also to lock in any pricing changes that occurred outside of regular trading hours. However, there are some risks involved with trading after hours. Receiving after hours trading quotes can sometimes offer beneficial pricing advantages, but it?s important to remember that there are less buyers and sellers trading the after hours market as compared to the regular trading hours. This lower volume might mean less liquidity, or more difficulty in selling your stocks when you want to or at the price you intended. You?re also unable to see prices from other sources. During regular trading hours, brokers are able to access pricing from multiple sources and then allow you to buy or sell at favorable prices based on several quotes. With after hours trading quotes, the source for brokers is generally limited to the one price. The pricing of stocks traded after hours also tends to have a higher level of volatility compared to during regular trading hours. You may find that the prices are not always as current as they could be and are regularly shown with a 15 minute delay, so always double check your trade order before processing it for execution. Placing a trade during regular trading hours usually means you?re able to set a limit order on your trades. Many ECN brokerage houses don?t allow after hours trades to have a limit order placed, which can often mean your order won?t be matched or fulfilled. Finding after hours trading quotes is relatively simple. The majority of brokerage houses offer quotes for trading during extended trading hours. You can also find plenty of information on the NASDAQ website for stocks that are trading after hours. While the after hours trading market offers a greater amount of flexibility and convenience, newer traders should spend some time learning about trading stocks and developing trading strategies during regular trading hours. Ruthsella Corasol is the Owner of http://WorkingAtHome101.com. Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

Beneficiary Of Your Retirement-Tips To Keep In Mind

One thing you may, or may not, have known is that you will be required to name a beneficiary of your retirement account. When you are trying to decide who you should name as the Beneficiary of your retirement account, there are some tips to keep in mind. In this article I will give you some ideas of where to start, but please remember that every one is different and there are even different laws from one state to the next, so you need to consult a professional in your state for more exact advice. One of the most important factors you need to consider are the tax consequences of any choice you make. Many people will just name their trust as the beneficiary but the problem with that is that whoever is also on the trust will have to pay taxes on the retirement proceeds. Again, make sure you talk to a professional first to decide the best way to go to avoid as many taxes as you legally can. Wealth preservation should be your number one consideration. There is no point in leaving a lot of money to your spouse or children if most of it will be eaten up with taxes. Find the best alternatives to minimize the tax obligations. It is also important to note that if you want to name your kids as your beneficiaries they should be over 18. Minors will not be able to directly control a retirement account so some other provision needs to be made if your kids are still minors. You may be able to set up a trustee or allow whoever the legal guardian will be for the kids as the person who will have control of the account. In some states your spouse will automatically be entitled to half of your retirement account. Check with a local tax attorney to find out for sure if that applies to your state. You should also get in the habit of revisiting all your legal documents annually. Too many people set up their retirement plans early on and then just forget about them. It's important you change things as your circumstances and situations change. One good example of this may be someone who set up a trust for their kids when they were minors. The trust may have been set up to be handled by a trustee. But, now your kids are grown and you don't want that trustee in place anymore. That is why it is important to keep up to date with these types of decisions. You can also choose to leave some, or all, of your retirement account to your favorite charity. All in all, setting up who you want to leave all your assets to, not just your retirement account, is a very important decision. Make sure you take some time to sit down with a qualified professional to make the best decisions so your heirs don't end up with nothing after Uncle Sam comes calling. Figuring out who the beneficiary of your retirement account should be might be an easy decision. Just make sure it is set up the right way. Ruthsella Corasol is the Owner of http://WorkingAtHome101.com. Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

Bank Accounts Online

There are many reasons why opening bank accounts online is a good idea. Some people have credit problems and find it difficult to open an account at their local bank. Others prefer the convenience of an online account, and still others prefer the higher interest rates you can typically get with an online account. Whatever your situation is or your reason for opening an account online just remember that you have to be just as diligent about which bank you choose to partner with as you would if opening an account at the bank down the street. Actually, you may need to be even more careful. For the purpose of this article, when I talk about an online bank I'm referring only to those banks that do all their transactions online. I'm not referring to a bank that has a traditional brick and mortar location but also have online banks as well. Since online banks have a lot fewer expenses they are able to pass those savings on to their customers in the form of higher interest rates. But interest rates are only one aspect of your overall banking experience. Here are some things you need to know before you choose which bank to open an account with: 1. What is their interest rate? This is usually the number 1 thing people look at when comparing banks. 2. How accessible is your money? Can you get to it virtually anywhere 24/7? Are there fees associated with depositing or withdrawing your money? Are you restricted to only using certain ATM's and if so, do you have a lot of those in your area? What fees will you pay when you use an ATM? 3. Can you set up several accounts, such as a savings and a checking and transfer money back and forth between them all with a click of your mouse? This can be a great way to manage your money. If you're like me, you'll find it easier to keep most of your disposable money in a savings account. If I keep it in my checking account I find I spend it more frivolously, but if it's kept in my savings account I'm very reluctant to pull it out. With a linked account I can keep all my disposable income safe, from me, but I still have the option of easily transferring it if I need it in just a few seconds. Using this method has actually allowed me to save more than I did before. 4. Does your online bank offer other services such as mortgages, online bill pay, or CD's? Today the internet offers more options, in every aspect of life, than ever before. Having bank accounts online is just one of those options. There are a lot of good reasons for opening an account online, just make sure that you know what you're getting into. Don't be afraid to take a little time and compare all the benefits and features of several banks before making your choice. After all, it's your money, you have the right to make sure it's working as hard for you as it can. Ruthsella Corasol is the Owner of http://WorkingAtHome101.com. Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

An Easy Way To Beat Credit Cards Debt

Credit cards debt is something a lot of people all across the globe struggle with, and all of them want to know how to escape their debt. In today's society it can be nearly impossible to pay for everything with cash, and that's where credit cards come in. But then the bills comes in and you don't have the money to cover it, and you suddenly find yourself swimming in debt. It doesn't take much to trigger this debt spiral either, a single missed payment can rapidly turn into a raging sea of debt. You may have simply forgotten to make a payment and were charged a late fee, or maybe an emergency came up that took up the money you had set aside for the credit card payment. Accidents happen and you shouldn't be condemned to a life of debt because of them. There are many options to get out of debt, from debt consolidation to debt counseling. Many people get to the point where they even consider bankruptcy. But before you decide to do anything that drastic, take a step back and try to solve this yourself. Bankruptcy is an absolute last resort, and some of the other debt relief programs cost money or just don't work. As the saying goes, "if you want something done right, do it yourself". Below is an easy and simple way that can help you get out of debt...permanently. It's not a quick fix, and it will take time and discipline, but it's a tried and true system that will help you get out of debt. 1) First of all you need to make a comprehensive list of you debt. Include everything, even the smallest of debts. The list should have all of your monthly expenses such as, house payments, utility payments, insurance payments and anything else that you have to pay for monthly. In one of the columns put all your credit card debt, in another column list all of your ongoing monthly bills. 2) You have to give yourself a strict monthly budget to follow. Give yourself enough so you are able to pay the minimum payments on all of your debt. 3) From the list you made choose the smallest debt to go after. Pay as much as you can toward that single debt, while still paying the minimum payments on all of your other debt. Eventually you'll have paid off that debt and when you do, take the money you applied to that debt and put it towards the second smallest debt. If you keep doing this over and over again you will find yourself getting out of debt and with this method you won't even need to bring extra money into the household. This method has been proven to work, it just takes time and discipline. You will have to make some sacrifices if you want to get yourself out of debt. That means no new TVs or going out to eat, but you will beat credit cards debt, and finally be free of that burden. Ruthsella Corasol is the Owner of http://WorkingAtHome101.com. Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

Basics Of The Stock Market

Many new investors jump into the stock market based on hearing the hype of how it?s possible to make great money investing this way. They may have heard of a friend who made a bundle with day trading or a colleague who has a hot stock tip and so they figure they?ll jump into the market too. Before you begin investing, it?s important that you understand at least the basics of the stock market. While investing in stocks can help you to build a great investment portfolio, if you?re not careful about your strategies, you could also find it can be a great way to lose a lot of money too. There are two sections to the stock market. The primary market is where shares are created by companies and generally offered to the public via an IPO (Initial Public Offering). The secondary market is where established stocks are exchanged and traded among investors without the involvement of the company issuing the stocks. When people think about investing on the stock market, they tend to be talking about the secondary market. Basics of Stock Market Shares Shares, or stocks, are individual pieces of ownership of much larger companies. When companies need to raise capital, then sell off little portions of the company so that investors may become partial owners of that company. Each time you buy a stock, it represents a share of ownership in a publicly listed company. You become a shareholder. As you increase the number of stocks you have in one particular company, you increase the percentage of ownership you have. As a shareholder, you are entitled to your share of the company?s earnings. These are usually paid as dividends, although not all companies offer dividend payments. You?re also entitled to exercise any of the voting rights that might be attached to that stock, however you don?t have a say in the daily operational running of that business. Basics of Stock Market Pricing There are several factors that can affect the price of stocks and you might notice that the price of stocks changes every day. While the price can be partially dictated by supply and demand, there are also other factors that can affect the overall price too. Economic changes, unemployment or bad management in the company are all individual factors that can also affect the pricing. The price you see listed on any particular stock is based on the perceived profitability of the company and not the value of the company. This means the stock can often be priced based on what investors believe the stocks are worth. The value of the company is called the market capitalization. When you see on the news that the market rose or fell by a number of points, it?s important to understand that not every single stock listed on the exchange followed the same movements. The index you see reported is a representation of a number of stocks and presented as a single figure to give a general idea of the market movements as a whole. However, there will always be individual companies that move contrarily to the main market sentiment. It?s this contrary movement that day traders watch for, trying to find the next stock pick that will rise in value and gain profits for them. Basics of Stock Market Investing There are several types of stock market investment strategies. Day trading is growing in popularity as a way to smaller investors to begin building capital. The basis behind day trading is to buy a stock in the early part of the trading day and hopefully sell it again at a profit before trading closes. Long term investors tend to purchase many different stocks in a diversified range of companies in various sectors to spread their risk. These investors tend to hold stocks for longer periods of time, allowing the value of their stocks to appreciate. They also receive dividend payments, either in the form of a check or as a dividend reinvestment plan, where the company issues stocks to the value of the dividend payments to the shareholder to add to his portfolio. Ruthsella Corasol is the Owner of http://WorkingAtHome101.com. Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

Wednesday, April 18, 2012

How to help your CEO help you -- and the company. Candid thoughts, observations and a much needed venting by One Who Knows.

by Dr. Jeffrey Lant

Author's Program Note. In the 1980 film "9 to 5", Dolly Parton sings the title song. Of course it is an attack on "the boss" in memorable lines like this:

"Nine to five, for service and devotion You would think that I Would deserve a fair promotion Want to move ahead But the boss won't let me I swear sometimes that man is out to get me."

When I saw the film the head of every Sally and Sam in the audience was rhythmically nodding in unbreakable solidarity... the boss was a schmuck... and that was that.

Pity the poor CEO.

If these are the sentiments directed at every boss in every business on this planet, then you can be sure these sentiments may be multiplied by many times when directed at the Chief Executive Officer, THE Boss, the biggest cheese. El Jefe Maximo, a person universally known as fake, incompetent, probably immoral, certainly amoral, a disaster for the company, vastly overpaid and already richer than Croesus by squeezing the last drop of blood and service out of every employee, especially those whose ideas he steals with alacrity, impunity, and a demented grin for the credit and enhanced compensation such Machiavellian dexterity always delivers.

Thus CEO, the culprit of the enterprise, a personage causing universal grief, outrage, embarrassment, and of course, secret envy from aggrieved personnel who would assume the toxic burden and every affronting characteristic, criticism and derogatory comment without thinking twice, even if it involved garroting their own mother.

It is in defence of this sitting target that I, CEO for over 18 years and counting, rise and must speak, for although there is much grandeur in his lofty position and the luxurious lifestyle many millions a year can deliver, there is no one who knows the true value and significance of CEOs than one who is one himself. He knows! And must therefore speak out of experience augmented by joy at the opportunity to sustain and laud his corporate peers, since so much said about them is inaccurate, mean-spirited, venomous, petty, painful, hurtful, distorted, unhelpful, biased, malicious, erroneous, mischievous, balderdash and complete rubbish... but you get the picture.

Insight one for CEOs of every age, temperament, disposition, and success.

Each and every one of your employees, directors, agents, representatives, et al knows (not just supposes) that he could run the company better than you, the sitting duck with the mahogany desk and assured parking place, even if blind folded, one hand tied behind his back, and baboons as department heads. Oh, yes, and double profits, increase salaries and circle corporate headquarters with a riot of Christian Dior roses. So there!

Exhibit Number One, Your Honor.

There is a reason I am writing this article today rather than wasting my limitless corporate subsidized time on the golf course, which is universally known as a den of the most expensive and rare executive iniquities. That is a stinker of a letter I received the other day from one of my company's representatives. Now the contents and commentaries found at their most prolix profusion were in no way new , viz. the author of the letter summed me up as a bumbler, stupid, arrogant, supercilious, out of touch, brain dead... and that was just for openers. The rest of the condemnatory barrage was unprintable, even in these lax days.

No, I'd heard that all before. Even the misspellings were unoriginal and pedestrian. No, what made this epistolary stink bomb so notable was the time I received it... the very day I was receiving special recognition upon the completion and implementation of an innovative system for the assistance of individuals, organizations,enterprises, companies, and corporations which needed timely, professional copy for their blog sites. Much time, energy, imagination and intelligence had gone into creating what was acknowledged by experts to be brilliant.

And because of the project's importance to our company and world, there was to be special recognition for me, the lead sled dog. Thus gathered the poobahs of our organization in gay regalia in good voice and good temper to sing hallelujah... all but the individual who chose this moment, of all moments, to expostulate about my many defects, on the day one of the signal achievements of my life was acknowledged.

Deliberately hurtful, or just bad luck?

There is a question here I would like an answer to, but shall probably never get: Why was this punishing letter deliberately sent at that specific time to blot a grandly festive day... or was the delivery time accidental, a coincidence? This is a factor in evaluating the matter... but does not, of course, fundamentally change it. No matter. What does matter is the following list of crucial things you must know and do, things which the sender of the badly conceived e-mail letter needs to know -- and begin implementing at once:

1) Even if you are as "mad as hell", and especially if you are master of a slashing prose style, leave anything you write to your CEO for your tempered evaluation 24 hours after writing. You'll most likely be glad you did. A stitch in time, saves nine!

2) Whatever communications you sent to your CEO should be respectful of tone, brief, put as positively as possible and as professionally as possible. Every purplish prose patch must be deleted at once and completely. Remember, this is your CEO you're contacting. Unless you have a death wish, tread warily and conservatively.

3) Couch all communications as problems to be solved, not voluble attacks to hurt and inflame. Problem solvers get promoted. Attackers get no such consideration.

4) Consider whether raising the issue now is the best possible time for progress and resolution. Timing is everything.

5) NEVER make the issue personal. That is always the worst possible way to secure CEO attention, CEO action, CEO assistance. And remember this, a pearl of wisdom from Niccolo Machiavelli (1469-1527), when you attack the prince, you must kill the prince, or the prince will kill you. A CEO saying "me recordo" (I remember) may not be a prince available to assist you when you need his services, for the prince is human... very human indeed. Thus, to my final and most important reflection: the CEO is the designated leader of your company. He has a right to expect your respect, your support, your courtesy, your wisdom and your help, as he leads you to the promised land -- "Waitin' for the day your ship'll come in/And the tide's gonna turn/ And it's all gonna roll your way."

About the Author

Harvard-educated Dr. Jeffrey Lant is CEO of Worldprofit, Inc., providing a wide range of online services for small and-home based businesses. Services include home business training, affiliate marketing training, earn-at-home programs, traffic tools, advertising, webcasting, hosting, design, WordPress Blogs and more. Find out why Worldprofit is considered the # 1 online Home Business Training program by getting a free Associate Membership today. Republished with author's permission by Ruthsella Corasol http://WorkingAtHome101.com.


Tuesday, April 17, 2012

Accelerated Debt Reduction - Save Money - Do It Yourself

Accelerated debt reduction is usually advertised by debt settlement companies wanting you to believe that the only way to get rid of debt quickly is to negotiate with your creditors to accept a reduced amount of money as payment for what you owe them.

The truth is there really are ways to create an accelerated debt reduction plan on your own that could see you become debt free as well as teaching you important lessons about financial responsibility at the same time.

Before You Begin

Perhaps the best way to begin working on an accelerated debt reduction plan is to take a good look at your current budget and spending habits. Create a quick budget or write out a list of income and expenses so you know how much you?re spending. If you can see any areas at all where you might be able to cut back your spending, then work on this now.

Reduce Costs

Many people believe that trying to save 50 cents on a grocery bill is the right thing to do when they?re trying to reduce debt. Instead of worrying about your living expenses, take a look at how much your consumer debts are costing you. If you didn?t have to pay those every month, how much of your income would you have left over for yourself?

Work on finding ways to reduce the amount of interest you pay each month. This could mean catching up any delinquent payments to stop those penalty fees from accumulating. It could also mean consolidating some of the more expensive debts into a lower interest option.

If you have the option, then consider transferring the balance of a high interest credit card over to a low or no interest option. Once your interest costs have been reduced, take advantage of that introductory period to pay down as much of that balance as possible before normal interest rate charges start again.

Raise Income

While it?s not possible for everyone to walk into the boss and demand a pay rise, there are other things you can do to raise some extra cash to get rid of those debts. Millions of dollars worth of regular items are sold every day on eBay. Take a look around your home and put anything you don?t use any more on eBay.

If this doesn?t appeal to you, hold a yard sale and see if you can raise a little cash this way. Not only will you be un-cluttering your home, you?ll be un-cluttering your debts at the same time. Whatever money you raise, put this immediately towards paying down your debt balances. This will give you a huge head start and keep your motivation high.

Discipline

If you?ve managed to reduce your monthly repayment costs, then the best accelerated debt reduction method is to have the discipline to allocate those savings towards making extra payments on your debts.

Whenever you receive a pay rise or a bonus or a little extra cash from any source, put it straight off the balance of your debts. Many people hate this part of the discipline stage, preferring to spend bonuses on treats.

Having the discipline to pay extra money off your debts now and go without those treats temporarily will mean you should have far more money to enjoy every month once those debts and the expensive repayments are gone for good.

Good luck with your accelerated debt reduction journey.

Ruthsella Corasol is the Owner of http://WorkingAtHome101.com. Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.



5 Tips That Allow You To Be Debt Free

Picking yourself up out of debt can be difficult and tiring. This process requires hard work and focus, as you must learn to change your spending habits. It can be difficult for anyone to follow these changes and become debt free. If you want to be debt free, you need to follow a set plan. These 5 tips will help you to create, and stick to, that plan.

Assess your Debt

The first thing that you need to do is to assess your current debt situation. You need to understand how much debt you have. You need to understand how much interest that debt is incurring. These numbers will help you to set your goals. If you want to be free of all debt, you need to fully understand that debt.

Make More than the Monthly Payment

Many attempt to be freed from their debt by paying the minimum monthly payment on their credit cards. This method will not remove debt from your life. In some cases, the debt can still rise. You need to make an extra effort to pay more than the minimum amount each month. The more you can afford to pay a month, the better off your finances will be.

Budget Your Paycheck

If you want to be free of debt, you need to budget out your paycheck. You need to budget for payments such as rent payments, car payments, and insurance payments. You should also budget out a specific amount for gas and groceries. After you have budgeted these needs, you can budget in the amount of money that you want to pay on your debt. This will help to keep your current finances secure.

Start Saving

If you are looking to be free of debt, you need to start saving money. A solid savings account can help prevent you from going into unmanageable debt in the first place. While you may not be able to contribute a lot to your savings per paycheck, the account will eventually grow into a stable and reliable account.

Take Something Out of your Routine

Most people have a habitual spending habit that will drain them of a decent amount of money per month. Think about a specific spending habit that you have. Some people go out to fast food on specific days. Others need their cup of coffee from their favorite coffee house every day before work. Taking these extra expenses out will help you to reallocate that money to a savings account or debt payment.

It is important for you to assess your debt before you create your plan. This will allow you to understand your situation fully. When you understand the situation, you can plan for monthly payments. This plan will also help you budget for your life, and budget for a savings account. These components all add up, helping you to be debt free as quickly as possible.

Ruthsella Corasol is the Owner of http://WorkingAtHome101.com. Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.



5 Tips On How To Hire Personal Bankruptcy Attorney

If you are like so many millions of people who have run into financial troubles during this rough economy and you feel that the only solution is to file for bankruptcy you will need to hire a personal bankruptcy attorney. One of the biggest mistakes that people make is to try and save money by learning how to file for bankruptcy and trying to handle it all themselves. The problem is that the legal system is very complex and the laws can vary greatly from one state to the next so it's virtually impossible for you to learn everything you need to know to take care of your own bankruptcy.

When it comes to hiring a lawyer to help you through this legal maze, here are some tips you should keep in mind:

1. The first thing you need to remember is that you will be working closely with your attorney for weeks or months to come and you want to find someone who you are going to trust and feel comfortable working closely with.

2. Make sure you interview several attorneys before you hire one. Most will offer a free initial consultation so you can afford to do this. When you sit down to talk to them ask them what their fee schedule is as well as how many associates will be working on your case. In most cases the attorney will actually spend very little time on your case, most of the paperwork will be done by paralegals and clerks.

3. Ask the attorney how many personal bankruptcies they typically handle per month, or year. A personal bankruptcy will be much different from a corporate bankruptcy and you want a lawyer who is experienced in the type of bankruptcy you are filing. Just because they say they handle a lot of bankruptcies a year may not mean much to you if they handle almost all corporate bankruptcies and not personal.

4. When you decide on a certain attorney, make sure that you bring all the necessary paperwork to your meeting. Your attorney should give you a list of the specific things you need to bring, but if they don't, ask them.

For the most part you'll need any loan documents for both secured and unsecured loans, all medical and credit card bills, and all checking and savings account information. Your attorney will need to be able to determine not only how much debt you have but also how many assets. Do yourself a favor and resist the urge to lie. If you lie about your assets and that lie comes to light there can be serious legal ramifications, it's just not worth it.

5. To a large degree what state you live in will determine whether or not you can keep your home. A lawyer will let you know the various types of bankruptcies available for your situation and which option is best for you.

Going through a bankruptcy is a nerve racking experience. To make it somewhat easier it's important that you have an advocate on your site. Make sure you find a good personal bankruptcy attorney that you trust and like so that you can make this process less painful.

Ruthsella Corasol is the Owner of http://WorkingAtHome101.com. Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.




Active Vs Passive Investing

When it comes to comparing active vs. passive investing and determining which investment method is best, the answer isn?t as clearly cut as you might imagine.

Everyone has very different risk tolerance levels, so it?s important to understand your own preferences and investing goals before you choose between active and passive investing choices.

Active vs. Passive Investing Definitions

Actively managed investments, such as mutual funds, try to beat the market performance of a benchmark index, such as the S&P 500, by choosing the best 100 or so performing stocks based on a likelihood of receiving good returns.

A passively managed investment will simply accept that market performance is what it is and invest in all 500 stocks on the index.

Which is Better ? Active or Passive?

Many investors wonder what the better option is for their own investing goals. Once again, it does come down to the individual investor?s personal levels of risk tolerance.

The level of risk you?re willing to take with your hard-earned money can often determine how you?re willing to spend and invest. After all, higher risks can often yield higher returns. Unfortunately higher risks can also compound losses too.

Low risk might equate to lower returns, but it?s commonly believed that a low guaranteed gain is far better than a risky bet on a higher risk return that may not eventuate.

Active Investing

An active investor understands that not all stock pricings move at the same rate or even in the same direction as the entire market as a whole. They will actively try to single out individual stocks that have the likelihood of out-performing the index.

In most cases, actively managed mutual funds carry higher costs. This is partly associated with the higher trading costs, time costs involved with researching likely stock picks and management costs.

For those investors who wish to take on their active investing activities themselves rather than trust their money to a fund manager, then day trading on the stock market is a very similar tactic. You spend the time researching stocks that are likely to outperform the index and you manage your portfolio personally, buying and selling as you try to capture profits and minimize losses.

Passive Investing

A passive investor will understand that as the market index moves up or down, then having a passively managed fund that is broadly diversified across almost all the available stocks on that index is likely to return average returns that are somewhat in line with the returns shown by that index.

Passively managed funds often carry lower fees and may tend to offer lower returns. However, those lower returns are often favored by investors who believe that receiving a low return is better than risking the chance of receiving no return at all.

For investors who once again don?t wish to trust their money to a fund manager, then your passive investing option is to develop a broadly diversified stock portfolio that you hold for the long term. You have the choice of allowing your stocks to simply sit in your portfolio and collecting the dividend or you can reinvest your dividend earnings back into your portfolio to acquire further stocks.

Ruthsella Corasol is the Owner of http://WorkingAtHome101.com. Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.



About Money Market Investing - Is It For You

Money market investing is depositing money with a bank or financial institution that keeps its cash in financial obligations that span a short term. This is done to provide low risk money market investing that yields modest returns. Money market investing is not for the individual who wants to get rich quick. The short-term debt strategies held in money market investing are usually made in highly rated companies and government agencies.

Money market investing yields an average of 2% to %5 per year. You can, theoretically, lose money in a money market investment, but it is highly unlikely. The FDIC does not insure money market investments. You can lose all of your investment if the company holding it goes bankrupt.

Money market investing is beneficial because of its low risk. Many investors hold their money in a money market account when they are not investing in a more aggressive strategy. This gives the money a place to rest where it can still earn moderately, at low risk. Because of this procedure, money market investing represents one of the most widely held securities in finance.

Investors often deposit profits from bonds, stocks, and mutual funds into money market accounts. Dividend and interest proceeds from more aggressive investments are generally deposited directly into money market accounts.

Initially, you must deposit higher sums of money into money market investments than into bank accounts. Money market investing generally requires deposits of at least $100 to $5000 at the onset. The per share price of money market investments is usually one dollar. Proceeds from money market investing are paid in shares. Check writing services are provided as a part of most money market investing.

Money market investing is not one-size-fits all. Money market investing firms put their money in dissimilar securities. Because of this, they pay different interest rates. You can deposit your money into a money market savings account that will yield a low interest rate, but is somewhat higher in interest than a standard bank account, or you can do your money market investing in a mutual fund.

A mutual fund pools the resources of many money market investors. The mutual fund?s manager buys money market securities for the mutual fund.

Money market investing is generally open-ended, which means that the investors can deposit or withdraw monies at any time without risking penalties. Most money market accounts and funds require that a minimum balance be maintained.

Interest rates from money market accounts are usually based on risk. The money market accounts and mutual funds paying the highest interest are, thereby, likely to run the highest financial risk. This is where the money market investor needs to weigh the security of their monies against the promise of return.

Different money market accounts make varying demands on the investor. Some will maintain a higher minimum balance, while others will limit the number of allowable withdrawals, some might do both.

It is important to be aware of the restrictions and obligations placed upon your money market investing before you decide where and how to make your investments.

Ruthsella Corasol is the Owner of http://WorkingAtHome101.com. Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.


5 Tips On Credit Card Consolidation

Here are some great tips on credit card consolidation to help you manage your debts more effectively.

1) Draw up a financial budget. Yes I know it is boring but you will never be able to get out of debt until you know exactly how much you earn and what you spend your money on. In order to get a true picture you need to keep a spending diary for a month. Write down every cent that you spend. This is the only way you will be able to find those holes in your spending that need to be plugged. It will also highlight areas that you could cut back on in order to release money to pay towards reducing your debts.

2) You need to make a list of all of your creditors stating their name, your account number, the total amount you owe, the minimum monthly payment and the interest rate you currently pay.

3) Now you have your financial budget and the list of your debts, you can see how much extra a month you can afford to start paying to eliminate your debt. While you are completing this exercise you should keep your minimum monthly payments going.

4) If your accounts are up to date and you have an excellent record with these credit card companies, ring them up and ask them if they can do you a special deal on the interest rate you are paying. You may be pleasantly surprised when they say yes. The lower the interest rate, the more of your money will go to reducing your debts. They may ask you to move your other debts to their card in return for a great deal. This may be the best way to achieve credit card consolidation but don't jump into anything just yet.

Ask them to confirm the deal in writing making sure that they confirm the charges and the percentage minimum monthly payment you will be expected to make. You can then review these offers and pick the best one for you. Don't always go for the lowest interest rate. 0% over 6 months is great but 2% over 24 months is better if your financial budget has indicated this is how long it will take to clear your debts.

5) If your current creditors won't help, don't be tempted to take out a loan secured on your property to repay these debts. This is one of the last solutions you want to do as effectively you are giving your creditors more protection and yourself less. The best bet before you enter into any form of consolidation is to speak to a qualified advisor first. Don't pay for this advice as plenty of charities will provide it for free. Remember you are on a mission to cut your spending in order to get out of debt.

I hope that these 5 tips on credit card consolidation will help you to repay your debts faster.

Ruthsella Corasol is the Owner of http://WorkingAtHome101.com. Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.