Top 2 Tips for Getting that Perfect Gift

Filed under:Helpful Information — posted on December 7, 2007 @ 11:40 pm

Top 2 Tips for Getting that Perfect Gift!

So there you are, it’s that time again. It’s another occasion
where you need get a gift for someone that already has
everything. You know, like how many candles can I get her? Or
how many times can I keep giving them a bottle of wine? We all
have been there and beat our heads against the wall to try and
figure out what do I give this time. Whether it’s the dreaded
baby shower, or house warming, or the even usual birthday
celebration, you are stuck with the daunted task of giving a
gift that will show them what you meant to them.

Sometimes it can be quite annoying and frustrating. We all go
through the same routine. Where do we head first? We head to the
mall and walk around aimlessly hoping that the perfect gift will
just pop out and hit us on the head. Sadly, this never happens
and we come home with a card and some hokey gift package.

Gives me chills just thinking about it. Then we start thinking
of excuses of why we cannot attend the event. Let’s not even get
into that, it can get quite amusing of the things we can come up
with.

Well, I hope the following tips can help you get through this
situation and allow you to enjoy all celebrations of life and
not have to worry about what to get.

Thoughtfulness

Number one thing to do is know what the person likes. If you can
figure this out, you are home free. Whether its golf, cooking,
or even some TV show, you are set. This will show the person you
know them well and have put some great care and thoughtfulness
in picking out their gift.

Uniqueness

So you figured out what they like. Great, now you need to be
unique. Yes, uniqueness is the key to that perfect gift. Well
what makes a gift unique? The answer if personalization! Yes,
you can take any normal gift and make it unique by personalizing
it. The person could have many picture frames, but do they have
one with a special photo that you have of them? Or do they have
a frame that has inscribed on it their name? You get what I
mean? You can pretty much take a simple gift and take it to the
next level just by adding that extra touch. There are many
places now that sell common gifts and can personalize them to
your needs.

So the next time you’re thinking “I just don’t know what to get
him/her”, go for a thoughtful and unique gift and make it
personalized!

What Is Sarbanes Oxley?

Filed under:The Lawyers Way — posted on @ 2:52 pm

When the Enron and MCI scandals broke, it became clear to the US
government as well as everyone else that something needed to be
done to prevent financial abuses from harming the public. A
bipartisan team of legislators led by Senator Paul Sarbanes and
Representative Michael G. Oxley put together the Sarbanes Oxley
Act, also titled the Public Company Accounting Reform and
Investor Protection Act of 2002, and more manageably called SOX
for short. It was overwhelmingly passed by the House of
Representatives, and the Senate voted unanimously to pass the
Sarbanes Oxley bill.

The Sarbanes Oxley Act was signed into federal law on July 30,
2002. Its primary purpose is to protect investors by making
corporate information released about accounting and finance more
accurate and reliable. It addresses issues like the
establishment of a public company, creation of an accounting
oversight board, auditor independence, corporate responsibility,
and enhanced financial disclosure.

According to President Bush, Sarbanes Oxley includes “the most
far-reaching reforms of American business practices since the
time of Franklin Delano Roosevelt.”

That may be true, but it’s also one of the most complex and
difficult to understand reforms ever passed. It covers topics
such as:

* Personal loans by the company to executive officers or
directors * Financial report certification * More timely insider
trading reporting * Strong limitations on insider trades *
Public reporting of top executive real compensation and company
profits * Auditing independence * Personal accountability by the
chief officers of the company, backed up by criminal and civil
penalties including serious jail time and financial penalties on
individuals who misstate financial statements and commit
securities violations

You can see how a bill covering so many different topics might
be seen as discouragingly complex

Understanding Sarbanes Oxley

There are a few things you can do to learn how Sarbanes Oxley
works. First, read reviews and synopses of the Sarbanes Oxley
Act on the SEC website; they give an excellent overview of what
the law is about. Second, you can get training focused in
several different ways on the part of Sarbanes Oxley you need to
understand.

The main thing to understand about Sarbanes Oxley, though, is
that it primarily affects how you do your accounting, and thus
how you run your IT services. Electronic controls must properly
manage your financial information, so that you have clear,
easy-to-access real-time information on your company’s finances.
Corporate finances must be kept separate from executive
finances, payroll, and other moneys. Auditing for accountability
is crucial, so that if errors or misinformation enter the data
stream you will be able to determine the source.

With Sarbanes Oxley, even if you were ignorant of what was going
on in your accounting, if you are a major executive you will be
both civilly and criminally liable for any errors released to
the public, or the failure to release certain information in a
timely manner. You must learn about Sarbanes Oxley, not just to
comply with more government regulations, but to protect your
personal life.

The Monkey And The Spreadsheet

Filed under:World Of Technology — posted on @ 1:53 pm

When the mind was fidgety, like a monkey

When you felt restless, it helped to understand drives. The mind perceived, recognized and interpreted. It set goals and acted. Those five faculties were managed by sovereign intelligences. Out of these, it was the fourth intelligence, which set goals, by translating feelings into drives. A feeling of fear dictated an escape drive, whose purpose was to achieve safety. That demanded instant responses, varying across species. A deer bounded away. A bird took flight. A fish swam off. While the activities of running, flying and swimming differed, it was the the drive, which achieved the objective of escaping. Drives often made you restless.

Intuition managed drives

Drives have been described in the book, The Intuitive Algorithm. Intuition, a pattern recognition algorithm, enabled the mind to respond, from input to output, within just 20 milliseconds. The incredible speed of this process depended on massive combinatorial memories in nerve cells and this elimination algorithm. These vast memories enabled nerve cells to remember and trigger drive sequences, with infinite contextual finesse. Drives enabled birds to build nests, selecting secure locations and suitable materials. The wracking sobs of sorrow, or the relaxing movements of a belly laugh were both drives responding to emotions. Such drives were the inherited responses of nerve channels to varying feelings and emotions.

Search components of drives

Not all drives produced motor outputs. To achieve their objectives, drives also demanded an intelligent evaluation of the environment. If the objective was to escape, that goal was hardly possible by heading into the predator. Increasing the distance from danger demanded evaluation of many escape routes. That goal could even be achieved by slipping into a safe sanctuary, inaccessible to the predator. Like the underside of a rock.. Drives involved a search of multiple contexts to discover the right answer. When a person sat down to write a shopping list, drives evaluated the stock in the larder, the likely menus, the stock of toiletries, and cleaning needs. Drives delivered item lists to the working memory, to be jotted down. By contextually searching the mind, drives played a valuable, creative role.

The “Aha” experience of drives

Such drives, searching across varied contexts, were not limited to humans. Konrad Lorenz described a chimpanzee in a room which contained a banana suspended from the ceiling just out of reach, and a box elsewhere in the room. “The matter gave him no peace, and he returned to it again. Then, suddenly - and there is no other way to describe it - his previously gloomy face ‘lit up’. His eyes now moved from the banana to the empty space beneath it on the ground, from this to the box, then back to the space, and from there to the banana. The next moment he gave a cry of joy, and somersaulted over to the box in sheer high spirits. Completely assured of his success, he pushed the box below the banana. No man watching him could doubt the existence of a genuine ‘Aha’ experience in anthropoid apes”. Even monkeys inherited creative drives. And restlessness.

The burden of responsibility

The need for a solution had given the animal “no peace.” This dilemma was not limited to animals or just ordinary people. It was a problem at the highest levels of professional life. Mathen had retired as director of a major medical college and hospital, where he had gracefully managed the myriad problems faced by the institution. He mentioned that, when he rose from bed the morning after retirement, he felt as if a heavy burden had been lifted off his shoulders. His subconscious drives, seeking solutions to a barrage of issues, had become inhibited. He felt unburdened. A multitude of such drives operated in your mind. Some of those could discover no solutions. Which caused restlessness. Understanding those drives and acting to manage them could be a step to peace of mind.

Many conflicting goals

Life was a creative process, facing a train of baffling problems. The options were to fight, compromise, or retreat. Each context triggered distinct emotions. Anger, friendship, or fear triggered competing drives. Intuition provided a narrow focus to each drive, by eliminating concerns that did not fit its own feeling. For the drive supported by anger, amicable memories were eliminated. Each drive held a partisan view. As evidence built up, the emotional strengths of the drives varied. Opposing emotions competed for control. Intuition acted in the limbic system to establish the most powerful emotion as the current feeling. The current feeling triggered its own drive. Competing drives, which opposed the feeling were inhibited and became unavailable to consciousness.

Clashing drives

You were conscious of the dominant drive. But, other divergent drives continued as subconscious search processes. Many sought to achieve opposing objectives. More often than not, these furtive emotions perturbed you. For some, this process created massive internal conflicts. How could the conflicting viewpoints of the mind be integrated? How could a multitude of clashing drives be focused on the problems of coping with life in a harsh and unforgiving world? Across the ages, many solutions were offered to focus the mind and still conflicts. Over time, meditation, chanting and breathing routines were found to be beneficial. But, that treated the symptom, not the problem. The long term solution was to broaden the narrow focus of the competing drives. An integrated approach to life would empower consciousness.

Which was the real you?

But, where was consciousness? Which was the real you? Nature had a mechanism, which isolated the truth. When an animal sensed danger, it sniffed the air to investigate. It was a process which generally stilled neural activity. Survival, in a perilous world, demanded a responsive approach, free of distorted views. An inquiring mind was the most open. And, it was not as if an investigation needed to be about life threatening concerns. Even when you wrote a shopping list, that very inquiry stilled background thoughts. In the end, that curious personality was the true you. The superior consciousness. The most powerful intelligence in nature. That questioning drive was devoid of emotions. Open to recognize the new. All other drives had fractional views. Views, which were distorted, or bending to the whims and fancies of anger and fear, or love and compassion.

The spreadsheet list

For worrying issues, you did not need costly counseling. You could begin you own investigation. Just an exercise on a spread sheet assisted this process. Just as in a shopping list, a search process was set in motion. This routine began by listing, line by line, any aspect of a vexing problem, as it came to mind. A short line would be entered, in a single cell of the spread sheet. Like a shopping list. It could just begin with, say, “Downsizing” and go on down. Many conflicting emotions surged in the background. Each line would be a thought, which could point to pages of reports, or be just a hunch. It represented a particular feeling. The curiosity drive was powerful. It would bring in differing viewpoints. Each viewpoint was noted down. These views would arrive in conspicuous sequence.

Emptied mind

When you noted them down, you brought them into consciousness - into the view of isolated and competing drives. The more outraged drives, including four letter references to corporate stupidity, became conscious of opposing viewpoints. Raging emotions could have eliminated those muffled, crucial insights. The average issue would fill about 60 or more cells. All your views about those uneasy rumours in the office. It was a process which emptied your mind concerning the subject. By the time the list was over, the mind would have thrown up many rival positions. Opposing viewpoints usually brought the needed balance.

Organized thoughts

Once the list was over, a label was entered for each thought in an adjacent cell on the spreadsheet. From a calmer perspective, labelling an entry became easier. The slimming down of the corporation was not the end of the world. There could be promotional opportunities. Even possible career improvements. Solutions were bound to emerge. So an entry in a cell could be labelled as an “opportunity.” Each such label would fit several more entries. Gently, the picture cleared. Subsurface drives which triggered anxieties came out into the open. Things at the back of the mind, which went thud, in the dark. The process ended with sixty thoughts in a dozen labeled categories. A “sort” of the labels column would arrange similar ones together, in alphabetic order. Listing similarly labeled ideas together would bring clarity. They became groups of consistent, allied thoughts.

Creativity from a stilled mind

Isolated drives came out into the open. A dispassionate consciousness viewed the tumult and made sense. Unlikely worries seen together distilled reality. Purged anxieties. The less likely outcomes could be ignored. The inevitable ones had to be accepted. That left you with the actions you could take. Invariably, the things you could do never took all that much time. The rest of the stuff just climbed off your chest. Acted on, ignored, or accepted. Another threatening issue would have been acknowledged, accepted and foreseen. Over the years many such concerns raised their heads. Each time, the spreadsheet evaluation balanced the mind and stilled its hidden anxieties. When major concerns in life were sorted out, the creative forces of the mind converged. Anger and fear, love and altruism cooperated to search for solutions which met all the concerns of the mind. An integrated mind was the most creative force in the world.

About the Author

Abraham Thomas is the author of The Intuitive Algorithm, a book, which suggests that intuition is a pattern recognition algorithm. The ebook version is available at www.intuition.co.in. The book may be purchased only in India. The website, provides a free movie and a walk through to explain the ideas.

Structured Settlement as an Investment Vehicle

Filed under:Managing Credit — posted on @ 12:33 pm

You always hear people talking about the latest investment vehicle they’re using. It’s water cooler talk, dinner table talk, phone talk, it’s everywhere talk. People are always looking for a way to invest their money that might be a little ‘different’ from what others are doing. Buying a structured settlement is one of those options.

A structured settlement is where one party is awarded an amount of money that is to be paid out over a certain period of time. It is commonly the result of an insurance settlement or a life settlement where the insurance company is required by a judge to pay the victims an amount of money over time. The person who is awarded the settlement then knows they can count on $X.XX per month over the next Y years.

However, often people who are awarded structured settlements don’t want to receive the money over Y period of time. They want the money NOW. And why not? Often they can make better use of the money now than they could over 30 years, or sometimes they could better their personal finances right now and forever if they had a lump sum of cash right now for their structured settlement payments.

In comes the investor. As an investor, an alternative vehicle would be to buy someones structured settlement payments. That’s right, pay cash for structured settlement payments. For example, Joe is awarded a $500,000 settlement from the insurance company for an auto accident he was involved in. The company is going to pay the $500,000 over the next 10 years, $50,000 each year. However, Joe would be better off if he could just get $150,000 now and let someone else receive the payments over the next 10 years. As an investor, you could do this. Of course, in this case you would have to have $150,000 in cash to buy the payments, but then over the next 10 years you would make 333% return on your initial investment of $150,000. Not bad!

I’m not saying it is an easy process to buy someone’s structured settlement payments. The process involves lawyers, insurance companies, and judges, three things people tend to dislike. However, there are companies that can help you. They’ll help you find all the resources you need to make a successful investment.

Good Luck

EzineArticles Expert Author John Jonas

John Jonas
CashStructuredSettlements.com can help you pay cash for structured settlement payments.

Increase Your Creativity: Identify Its Number One Enemy

Filed under:House Of Self Improvement — posted on @ 11:12 am

When we think how to improve or increase our creativity, often we tend to look at the things we COULD DO.

But what if we think about this from a different perspective?

Instead of looking at the things we could add to our lives to enable us to be the creative people we want to be, consider what we could take away, the things that stop us from being creative.

Put simply, what are the enemies of your creativity?

And following on from this, what is the NUMBER ONE ENEMY OF YOUR CREATIVITY, the one single thing that prevents you from being as creative as you want to be and have the potential to be?

As you’ll discover, this can be any one of a number of different things.

Maybe it’s a repeating habit or behaviour you have that you feel continually prevents you from being more creative?

Maybe you don’t ever feel you have the time to devote to your creative pursuits? You feel if only you had an extra hour each day, then your creativity would flow freely and abundantly?

Maybe you feel it’s an issue of space and environment? You don’t have a room or area that is just yours, somewhere you can go to and feel comfortable in, and be inspired, relaxed, energised, whatever it is you need to help you get in the right frame of mind to be at your creative best?

Or does it actually come down to a single limiting belief? The one thing that stops you from unlocking the true creative potential within you is simply that you don’t believe you ever WILL unlock it.

Or maybe, deep down, you don’t actually believe that you can be as creative as you want to be anyway. Or you don’t believe you can be as creative as you used to be, so you hold back to spare yourself from disappointment?

Whichever of these resonate with you, don’t be too hard on yourself, we all have these kind of obstacles!

The aim of this is to look at how we can begin to remove the blockages, not to blame, criticise or punish ourselves for not being more creative.

So, being completely honest with yourself, sit down with a pen and some paper and write out all the things that you feel limit your creativity, however large or small they seem.

Once you’ve done this, again being totally honest with yourself, identify the biggest single factor that hinders your creativity, the NUMBER ONE ENEMY OF YOUR CREATIVITY.

Now comes the part where you can really begin to see how much it is holding you back, and what it’s costing you. Write in as much depth as you can your thoughts on the following -

What would you be without the number one enemy of your creativity? What would happen if it simply could not exist, it was totally eliminated? What kind of person would you be? How would your creative output be different? How would your life be different?

Write out every detail possible. Now compare this to your life currently. Don’t you think it’s worth beginning to take steps to reduce the negative impact of your number one enemy?

Just identifying and writing down the things that hold us back is often the most difficult part. Once we can see what we’re dealing with - written down on the page in simple words - their impact is already reduced.

It’s the equivalent of seeing our enemy out in the open with a huge spotlight beaming down. Without any camouflage or disguise, we can see what we’re really dealing with. And, reassuringly, we usually realise that once out in the open, it’s actually far less daunting than when darting elusively around in the shadows of our thoughts…

So, what is the first thing YOU could do, the first step you could take in reducing the restrictive effect the number one enemy of your creativity has?

The sooner you begin putting this in place, the sooner your creative life can be how you want to be. Take this action TODAY and move a little closer to fulfilling your creative potential…

© Copyright 2006 Dan Goodwin.

Dan Goodwin - EzineArticles Expert Author

Creativity Coach Dan Goodwin is the author of “Create Create!”, a FREE twice monthly ezine for people who want simple and powerful articles, tips and exercises to help them unleash their creative talents. Sign up right now and get your FREE “Explode Your Creativity!” Action Workbook, at http://www.CoachCreative.com