In Burma the bloody repression by the dictatorial military junta, began the same day of the full-moon in Libra. During the day of the full-moon high energies are released as well as destructive ones.

We are confronted in this historical upraising with a deep, strong challenge between loving-kindness versus violence and ignorance.

Monks, nuns, students, and peaceful crowds, fighting for democracy and freedom , were beaten and shot dead, and the fighting is not over yet.

It has happened before: there was a bloody upraising in 1988 in Burma, but with a different scenario, it was almost unseen. Today, thanks to the Media and Internet, thanks to the bloggers, photographers, video makers, the bloody suppression of the protesters was seen across the globe . In spite of the military junta which blacked out the Internet connections, there will be always some brave individual who will get the news out, sending abroad photos, e-mails or videos.

We can recognize, now, that we are witnessing an historical moment:Spirit versus Matter at its lowest level.

This explosion of independence, mysticism and the powerful mass response has to do with Uranus in the sign of Pisces as well as Neptune in Aquarius. This, in Astrology, is called a Mutual Reception, meaning that these planets are in each-others sign and, they strongly interact one another.

The unexpected joining by the nuns in this scenario, put much emphasis on Aquarius and Uranus and on equal human rights. Brothers and Sisters acting together.

The subtle power of Neptune has penetrated minds and hearts of the whole world and the colour bronze, has flooded the international media. This situation is impressing a new sensibility on peoples consciousness, taking everybody by surprise and involving everybody.

This mystic-political upraising has happened suddenly (Uranus in Pisces). \r With the help of the international net-work of the media, each of us has been catapulted into a far distant country (Pluto still in Sagittarius). Bringing us into the protest, and we grow in compassion and awareness.

Very recently attitudes have changed to spiritual and religious persecution. Where was the outrage when Mahatma Gandhi was fasting, or later, when the Tibetan monks were being persecuted. Today attitudes have changed today the wall between politics and the spiritual world has fallen. This is a huge step towards a greater level of social consciousness, throughout the societies of the world.

The news is now showing the entire world how interrelated we all are. The combination of Uranus, Pluto, and Neptune, is driving this collective power: politics (Pluto/Uranus) and spirituality (Neptune).

Monks and nuns are responding, with an unexpected determination, to the effects of the Uranus in Pisces, which is able to synthesise the two Pisces (Spirit and Matter) in a totally new formula.

The effects of the planets go with the evolution and growth of the entire world. They are able to give birth to new forms of spirituality, improving the collective human conditions. They are releasing an immense inner power and strength, breaking old ways of living spirituality in the masses, and putting it to work in daily events. The uprising in Burma will be an inspiring and motivating movement towards freedom. Joy, courage and strength are involved.

This mutual-reception between planets and signs, occurs when a status-quo has suddenly broken.

Thousands monks are already in prison, beaten and tortured, but they say: We are happy because the Light is coming! The torch of impersonal Love, represented by Neptune in Aquarius, embodied by monks and nuns, is able to be anchored in a political and social protest. This is totally a new approach which dawns the Aquarian Age.

Leni provides a large variety of astrological services, workshops, readings and is an accomplished lecturer and writer, in both English and Italian. She has appear on television and radio, and is much in demand for the both traditional and soul centered astrology.

Leni Sibilio
\r http://astrominds.com
\r leni@astrominds.com

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The Chinese Zodiac used to be a way of counting the years. After development of thousands of years, the Chinese Zodiac becomes a kind of astrology. Chinese astrology is based on a twelve-year lunar cycle. Each of the 12 years is presented by an animal. Which animal you belong to is determined by the year in which you were born. To be accurate about your born year, you must use a Chinese calendar. Each sign is ascribed a set of attributes the Chinese believe comprise the nature of each particular animal.

Some scholars believe that the origin of Chinese Astrology is from the zootheism. The 12 animals in Chinese Zodiac are all related closely to human life. Half of the 12 Chinese Zodiac animals live with human: ox, sheep, horse, pig, dog and Rooster. Five of them are related closely to human life: tiger, rabbit, monkey, rat and snake. And the last one-the symbol of the spirit of China- the dragon.

The Chinese believe that the world is made of five elements: Wood, Fire, Earth, Metal and Water. These are modifiers and affect the characteristics of each of the 12 animal signs. Thus, each of the 12 animals is governed by an element plus a Yin Yang Direction.

If a Chinese ask you: \”what do you belong to?\” It means which animal sign you belong to in the 12 Chinese Zodiacs. In China, this is a polite way to ask how old you are.

2008 is the year of Earth Rat, the beginning of the 12-year cycle in Chinese Astrology. We provide free yearly horoscope for every sign. But first, you have to find out which zodiac sign you belong to.

Resource: http://www.chinesezodiacs.org/

http://www.chinesezodiacs.org/Introduction_To_Chinese_Zodiac.html

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Borrow More Money!

Small businesses can improve their credit rating by borrowing more money. You heard me right! Borrow money even when your business does not need it and pay it back on time or better still clear the loan early. Bizarrely, if you have never applied for a loan before then this will negatively impact on your credit score.

The clever way to improve your credit score is by taking advantage of offers that charge you zero percent interest if you pay by a certain date. Why pay the bank interest on a loan when you have money in the bank?

Some lenders offer some very low interest rate loans for asset purchases. Use their loans to buy cars, office equipment or machinery.

Use your cash in your bank to negotiate early payment discounts with your suppliers. Many suppliers with poor cash flow will even offer up to 2% extra discount if you pay their invoices within 7 days.

Lenders base your credit score on your payment history and the amounts of debts outstanding. If you have taken out many small loans and paid them back on time then this will stand you in good stead for when larger sums of monies are required.

Ask for a Quotation First

When applying for credit make sure you get a quotation first before actually applying for the loan. Lenders will not do a credit search to give you a quotation. They will contact one or more credit reference agencies when you apply for a loan.

Every time you apply for a loan the search gets recorded. You want to keep this \”credit footprint\” as small as possible.

Do not Move House

Changing your house address can be disruptive to your credit score. Lenders like to see stability and moving house can add minus points to your credit score. If you are planning on moving house apply for your business loans before you move.

Know Your Credit Score

Lenders base their lending criteria based on reports from credit agencies and your businesses trading history. Sometimes credit agencies can get it wrong or still record a debt outstanding that was cleared years ago. For a small fee they will happily send you your businesses credit report. Make sure you examine it for errors and highlight them. They are obliged to change the report if you can prove that sums outstanding have been cleared.

You should check your credit score with the credit agencies at least every couple of years to make sure that there are no errors.

Do not Close Unused Accounts

If you have credit cards that you no longer need, destroy them every time a new one arrives. You credit scores benefits if you have credit facilities from many different lending institutions. Some lenders charge you a set annual fee for a credit card so make sure you cancel these.

Clean up Your Balance Sheet

Get rid of slow selling stock. Dispose of unwanted machinery. This will improve you balance sheet and enhance your credit score.

Boosting your credit score will not only improve your standing with the banks. Suppliers also check your credit score and some even offer better deals to companies that are less of a credit risk.

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Taking a mortgage on your home is the largest and the longest debt that you will take in your life. However, investing in a house is a necessity, so you must be smart and try to see how you can save by paying more on your monthly mortgage payments. Your mortgage statement should show the amount repaid towards principal and interest. Calculate how much extra you can afford to add to your monthly installment based on your income and expenditure.

Why should you want to know about savings on your mortgage payments?

Its really as simple as controlling the future of your finances and saving thousands of dollars towards interest payments every year. You may never have enough finances to pay off the mortgage right away, or enough equity in your home to opt for a refinance. But you can make additional payments to reduce the accruing interest on your mortgage. This is important because interest payments over the life of the mortgage amount to nearly twice the value of the home. You must realize that the mortgage accrues interest every day and your lender has a vested interest in a long-term mortgage. So you be wiser and add just $50, $100 or $500 depending on your monthly budget, towards paying off the principal amount of your mortgage.

How can a mortgage calculator help you calculate the savings on your monthly mortgage payments?

You will usually take a 15 year or a 30 year mortgage. Manually calculating the savings every month of this long tenure is tiring and you are bound to make errors. Instead it is better to use an additional payment mortgage calculator available at several financial websites for the same.

Example

For example, for a loan amount of $120,000 with a 30 year mortgage, the monthly mortgage repayment at 9% works out to be $733.76. If you simply add $100 to this monthly payment, you can repay the mortgage in 20 years and nine months with a huge saving of $82,000 in interest. This is because your additional amount goes towards repayment of the principal. The $100 you pay in the first month would actually be $270 with interest. The next month you save $268 and so on. So you save about ten years and more than eighty thousand dollars in interest by just making an additional payment of $1200 a year.

Additional points to consider when increasing the monthly mortgage repayment amount.

\r
• Ensure that the additional amount goes towards repayment of the principal amount. Your lender is quite likely to add it to the interest amount due for the next monthly installment.

\r

• The lender may apply only a small amount as repayment of principal and deduct the rest as service charge. To avoid any such mistakes send a separate check with precise instructions stating that the additional amount is repayment of the principal.

\r

• Check to see that the lender has no penalties for early repayment.

\r

• Enquire if you can make bi-weekly payments instead of a lumpsum monthly payment. Ignore this option in case the processing fee is high.

\r

How not knowing about this saving can hurt you

The mortgage calculator helps you automatically calculate the interest savings in pre-paying the mortgage. You simply enter the additional payment you will make each month and the time from which you will do so. The calculator will give you a comparison of the savings in interest instantly. Moreover, you can start by just adding $100 to your monthly installment and still benefit. However, ignorance of this fact means that you carry the interest burden for a longer time and waste money that can be better used elsewhere.

\r =====================================================================\r
\r John Lester is CEO and owner of the acclaimed online mortgage resource
site http://www.refinance-refinance.net.

Join the thousands who use our FREE Mortgage Calculators everyday to find
the answers to questions such as:\r

\r \”Should I pay discount points on my mortgage loan?\”\r
\r \”How long will it take to recoup the costs of refinancing my home mortgage?\”\r
\r \”How much will my home mortgage will save me in taxes?\”\r
\r \”how much time and money will I save paying off my loan on a bi-weekly payment plan?\”\r
\r \”What would my monthly savings be from an interest-only payment plan?\”\r

\r … and many others.\r

\r We have loan calculators for practically any mortgage related question you can imagine.\r
\r =====================================================================

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Most people, when they are on a budget, believe that pain and suffering is the result of being on a budget. That is so far from the truth. The pain and suffering is due to the fact that you dont live by your budget and the money problems start coming.

We all know that you can only live so long if you are spending more money each month than your income. You can live on your credit cards or other personal loans for so long until they finally catch up with you. Then you not only not have the extra money you have been spending each month, but now you have to start paying back what you have already spent.

So, living on a budget is a smart thing to do. We should all agree to that by now. But why should you have fun while on a budget? If you dont build some fun into your budget, you will not live on it very long. Without recreation and excitement in our lives, we will start to crave something to do or something to buy or somewhere to go, and that usually involves spending money we dont have. Someone will invite you out to dinner, or you really feel you deserve a vacation, or that new entertainment system is just the thing you need right now. You look at yourself and how much work you have been doing and talk yourself into spending that money because you deserve it.

Well, there goes the budget. You fell right back into the same rut that you were trying to get out of when you started your budget. Then the guilt falls on you and you just give up trying.

Dont let this happen to you. Build some fun money into your budget to take the edge off of your desires. Even if you have to scrape by on another category, you need to have some money for fun. It will do you and your family a great service. And, dont feel guilty about it either, you do deserve some extra things in your life, just make sure you plan for them in advance.

You will be glad you did when the end of the month comes and you have stayed on your budget. Just remind yourself that things will get better when the old debts are paid off and you can start enjoying the extra money you have worked so hard to get.

Greg Walding has gathered lots of information about personal finances at his website at http://www.extremepersonalfinance.com Come to see what you can learn here.

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When you see that interest rates are dropping, you may find that by refinancing your home equity loan you will be able to save money. This is especially true if you dont have the best credit and you are already paying a high interest rate. By refinancing your home equity loan, you may be able to drop that high interest rate, which means that your monthly payment should drop as well.

Closing Costs and Fees - Before you begin to refinance you will need to be aware that refinancing your home equity loan will require you to pay closing costs and other fees. This may affect your monthly payments so you need to compare how much you will be saving. You will also want to determine how long it will take you to breakeven. For example, if your refinancing costs you $2,000 and your payments are $100 lower each month then it will take you 20 months to break even after closing costs.

Can You Get Better Terms? - There are several reasons that you may want to refinance your loan if you have bad credit. Refinancing can allow you to lower your loans interest rate. You will also have the opportunity convert a portion of your loan into a fixed-rate installment loan or an adjustable rate loan. Shortening your loan term through refinancing will also allow you to build new equity more quickly. You are also able to avoid a balloon payment by refinancing your loan.

While you see that interest rates are dropping you will still want to be certain to shop around for the best rates on a refinance. You will also want to ensure that interest rates fall a point or more before you get your new interest rate locked in.

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Lowest Interest Rate Mortgage Refinance Loans - 3 Ways to Get a Low Rate RefinanceThe lower your interest rate on your refinance mortgage, the more money you will save. But not all refinance loans are crea...

Second Mortgage LoansA second mortgage is a loan that is subordinate to another loan taken against the same property. They are called subordinate ...

Home Equity Loan? Mortgage Refinancing Could be a More Affordable OptionIf you are considering a home equity line of credit or second mortgage loan, refinancing your mortgage with cash back could s...

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Refinancing First and Second Mortgage into a Single LoanIf you have a home loan, perhaps you have considered refinancing your loan. Homeowners may refinance their home loan to cas...

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Everyone loves to visit the tropics and what better way to escape throughout the year than by throwing a Luau party?

One great component to a luau party is that decorations are not just limited to the party supply section. You may be surprised to find that hard plastic cups in the luau or other seasonal theme may be more inexpensive than disposable party cups. Serving bowls, plates and matching silverware may also be more budget friendly in the house wares section as opposed to party supplies. These can be used over and over again and will not only save money on this party but for parties in the future.

Since the typical luau party is thrown in the summer, dont think of it as off limits in the winter. If you havent settled on a theme and go to a closeout or party supply outlet you may find that luau themes are on sale and clearance. Thats when its great to use those items as your theme for the luau party. While you may have preferred to have something a little more classic, a luau can be a fun theme for any time of year, it shouldnt be reserved solely for summer.

Dont forget as hosts of the party that you should dress up as well for the luau party. Make sure to wear a Hawaiian shirt and grass skirt. Terrific party favors to hand out as the guests walk in are plastic leis and those can also be found just about anywhere.

Mrs. Party… Gail Leino takes a common sense approach to planning and organizing events, celebrations and holiday parties with unique ideas for luau party supplies and fun party games. She explains proper etiquette and living a healthy life while also teaching organizational skills and fun facts. The Party Supplies Hut has lots of party ideas with hundreds of free holiday printable games and free birthday party activities. Over 100 adorable Themes including Party Supplies to fit your birthday celebration, holiday event, or \”just because\” parties. Party themes include cartoon characters, sports, movie, TV shows, luau, western, holidays, and unique crazy fun theme ideas.

Napkins Make Your Party the Lap of LuxuryNo matter which kind of party you choose to throw, certain elements like napkins are a necessity at every party. Just like i...

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Memorial Day Party Games to Honor the OccasionWhy not mark Memorial Day with a party? Games can really make the occasion lots of fun, with the two listed below being a goo...

Anniversary Banners Make Great Additions To Your Anniversary Party!Each year people celebrate all types of anniversaries, for a multitude of various occasions, in a myriad of ways, and it is g...

Plan A Luau Party For Your Special Guests To Create A Hawaiian EnvironmentLuau Party is organized for special occasions to give your family and friends a special moment in their lives. The organizat...

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Dinosaur Party Games - Have a Roaring Good Time With These IdeasWhether you can hear the ruckus of a herd of dinosaurs, or just archaeologists getting ready for their next dig, dinosaur par...

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Easter Party Games - Making Your Easter Party MemorableEaster is a great time for celebrating and spending time with friends and loved ones. If youre planning to have an Easter Par...

25th Birthday Themed Homemade CraftsEven if your friend or family member isnt planning on celebrating their 25th birthday with a party, you can still make the da...

Add a Table Cloth to Dress up Your Next PartyNo matter what kind of gathering you choose to throw, make sure to throw a table cloth on all tables. These are a necessity ...

Party Decoration Is A Very Creative Process And Must Be A True Representation Of Your TasteParty Decorations is a very creative process and for this reason one should be clearheaded as to what kind of an environment ...

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A home mortgage is a long-term loan, usually taken for a house or a property, for a large amount. The interest rate and the borrowers financial capability are the two major factors that should be considered before choosing home mortgages. California home mortgage lenders provide several loan schemes and options. Most of these feature different estimates and interest rates.

California home mortgages are similar to mortgages anywhere else in the country. Depending on the real estate market value, home mortgage rates vary frequently in California. When a scheme offers very low interest rate, then it would be a great benefit to the customers, as the repayment option would be quite feasible. California home mortgage lenders usually offer two types of home mortgage interest rates, namely, fixed rate mortgage and adjustable rate mortgage.

Eligibility for applying for California loans varies from lender to lender. The only mandatory criterion is that the applicant must be a permanent resident of the state. One can use the service of licensed mortgage brokers to get the applications from loan mortgage companies. Applications are also available online.

A California home mortgage loan agreement contains certain terms and conditions which rule the loan during its tenure. Mortgage lenders give loans for a definite period during which the mortgagee is expected to repay the amount. If the mortgagee fails, the lender can begin legal actions to regain the money. California laws also allow the lender to auction the property to recover the residual debt.

Acquiring a home mortgage loan in California is a simple and easy process. You just need to take into account your economic situation and what you can afford before signing the contract. Online mortgage calculators make these processes simple. Many banks, private lenders, and property sellers offer mortgages on homes. To select a good home mortgage option in California, discuss with a broker and collect a list of current mortgage interest rates. Moreover, check whether the rates already quoted are the lowest for that day or week.

California Mortgage Loans provides detailed information on California Mortgage Loans, California Home Mortgage Loans, California Jumbo Mortgage Loans, California Mortgage Refinance Loans and more. California Mortgage Loans is affiliated with California Home Equity Loans.

California Mortgage LoansCalifornia mortgage loans help home buyers and home owners residing in California raise cash for their personal, business or ...

California Mortgage Refinance LoansA California mortgage refinance loan is a good solution for those individuals in California who cannot meet their monthly mor...

California Jumbo Mortgage LoansCalifornia jumbo mortgage loans are very large commercial or residential mortgage loans offered by many financial institution...

California Interest Only Home Mortgage LoansMortgage loans generally come with a repayment term of 15 to 30 years. However, mortgage loans can also be extended to a term...

California Home Mortgage LoansMortgage has become one of the most important elements in modern day living and a key concept that might help one to fetch th...

How To Use The California Current Mortgage Rate Mortgage Loan CalculatorThe California current mortgage rate mortgage loan calculator is software that is designed to give people current mortgage ra...

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Just Go For A California Home Mortgage Loan Without Any DoubtMany people who dont own a home but would like to can find a loan with a lot of knowledge and experience to help them. Califo...

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California Mortgage Loan Company What are Your Mortgage Options?Many new home loan programs make it possible for anybody to getapproved for a mortgage regardless of credit or income. Becaus...

California Mortgage Loan OptionsIt has been difficult to keep tabs on the mortgage loan California market. The past few years have witnessed great fluctuatio...

California Bad Credit Mortgage Loans How Credit Ratings Affects ApprovalApplying and getting approved for home loans with bad credit is doable. r Unfortunately, those who accept a bad credit loan m...

Refinancing Your Home Loan with a Mortgage Broker in CaliforniaIf you are considering refinancing your home with a mortgage broker in California, there are several things you need to know ...

Los Angeles Mortgage Refinancing - Why You Should Avoid Bank LoansHome homeowners choose a loan from their bank when its time to refinancing their Los Angeles mortgage. While bank mortgage l...

California Mortgage Refinancing - Three Reasons to Get a New Home LoanThere are a variety of reasons for reasons for refinancing your California mortgage. If you are considering refinancing your...

California Mortgage Refinance: Find the Best Mortgage Loan When Refinancing in CaliforniaAre you a homeowner refinancing your mortgage in the State of California? It is extremely important to do your homework and ...

Jumbo Home Mortgage Loans - What They Are and Where To Get Jumbo Loan FinancingA jumbo mortgage is different than a conforming loan. A jumbo loan amount exceeds that limit set by FNMA. That limit can ch...

California Home Loan Mortgage Broker Is Offering Well-Accepted Services All Over The NationwideCalifornia continues to be a popular choice of location for many homeowners today. Between the warm climate, beautiful scener...

Bus and Transportation Companies often get a bad rap from the public and one which is not deserved, people see the soot come out the back and they are often cut off by buses in traffic. Once I saw a sign, which said; Sorry if I cut you off, I have to maintain my schedule? What on Earth is this about, that is the excuse? Give me a break. And yet in a way they are right. But what can bus companies do to improve their image and community goodwill?

Well for years our company cleaned buses, BusWashGuys.com and we had always noted the cool public service announcements on the sides. You know the ones do not smoke and crime does not pay and such. Well why not take this public relations campaign to a whole new level. Why not have Bus Companies participate in the Neighborhood Business Mobile Watch Programs? You see;

BUS COMPANY: Bus companies working with the city are also under a little bit of pressure to promote the public good. You can use this to your advantage. They often have team meetings with their drivers. This is a good time to have the police community relations officer come in and give a talk. Even if they are reluctant to put the signs on the buses, they can still be a great driving force to the success of you local program. Contact them and ask for their participation.

There needs to be a way for Bus Companies to maintain their strong public image in a way that makes sense. Helping the community take a bite out of crime is one great way to do just that. Lets think outside the box and be innovative and creative with public relations strategies. Consider all this in 2006.

\”Lance Winslow\” - Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance; http://www.WorldThinkTank.net/. Lance is a guest writer for Our Spokane Magazine in Spokane, Washington

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Congratulations!

Youre a sales manager now, responsible for the productivity and careers of others.

How does it feel?

Probably a little strange if youve been kicked upstairs after being a top seller, yourself.

But youll get used to it. In fact, youll get so used to it that you may not do any selling yourself, after a while.

Your job will be selling your salespeople on selling more.

And youll have mixed emotions about that, being tied down to a desk, filing reports, doing administrative work.

But an insidious process will also be underway that youll be unaware of.

The longer youre out of the day-to-day selling game the more youll come to doubt your ability to open and to close deals. And your once legendary performance as a seller might be wiped out of the corporate memory, and even your own.

Along come your new salespeople, and they do fairly well, and some are exceptionally effective.

Theyll look at you with derision, and possibly contempt, while lionizing their own efforts as being the heavy lifting of the company.

You, the benchwarmer, will seem wimpy. Ill bet he wasnt so hot, theyll think and possibly whisper to each other.

Ive faced this situation as a sales manager and as a consultant. You run headlong into the credibility buster: Winners DO, while the losers TEACH.

I like to counter that perception, directly, by strutting my stuff, on occasion.

Ive been known to get on the phones and to make cold calls right next to my salespeople and trainees.

They hear me practicing exactly what I preach, and I get a chance to encounter exactly the forces theyve been telling me theyre facing.

Invariably, we gain respect for each other, but we also make more sales, because literally, everybody is PITCHING-IN.

When I get a sale, I hand it to someone who is struggling, to prime the pump.

And often, they match it quickly with one of their own.

Aristotle, I believe, said when youre instructing others, Example is more efficacious than precept.

And that means people will get you and respect you when you put theory aside and actually show them you can roll up your sleeves and do the job, yourself!

Best-selling author of 12 books and more than 800 articles, Dr. Gary S. Goodman is considered a foremost expert in telephone effectiveness, customer service, and sales development. A top-rated speaker, seminar leader, and consultant, his clients extend across the organizational spectrum, from the Fortune 1000 to small businesses. He can be reached at: gary@customersatisfaction.com

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