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TeleSeminar Secret Tip - Recession-Proof Your Business With Your Phone, Mouth and Message

2008-07-18T07:18:00.001-07:00

I learn my pupils that teleseminars are the best manner to recession cogent evidence your concern faster, easier, and with less over all human effort.

Whether you believe there is a recession in the United States or not, the perceptual experience is there in the head of many concern owners, and they are acting on that perception.

Many concern proprietors take actions during this type of economic system that injury their concern more than help. Slashing terms is all too common during these sort of economical times.

The best action to take

I believe the best action to take during these modern modern times is to get doing teleseminars. If you are already doing a few, make more. Stop dabbling and acquire making this a important portion of your concern as it is mine.

You will necessitate three things to get started. The good news is you probably already have got them on hand. You will necessitate your phone, your voice, and your message.

That's just one of the great things about teleseminars - you don't necessitate to purchase a batch new equipment to acquire started. Another great advantage is with a span line, you can attain all over the human race without traveling, and without your hearer having to travel. No packing, no airplane fare, no travel.

When you attain all over the human race by phone, from the privateness of your place or office, you have got greatly extended your range for no further cost. This definitely takes the old telephone company motto of "reach out and touching someone" to a whole new level, makes it not?

Horoscopes - An Astrological Scam

2008-03-12T18:41:00.001-07:00

Feeling mildly heartsick over a recent 1 lb gain, after meticulously following my diet to a tee, I happened to come up across the astrological prognosis subdivision of a local newspaper. Not being a true truster in these futuristic predictions, I thought maybe this spot of information (for amusement intents only) might convey me out of my morose condition.

I looked through the column until I establish the subdivision for Lion and read: "You will undergo an unexpected addition today." "Uncanny," I thought. How could this astrologist accurately foretell that I had gained a lb on my diet? My belief in this fine art word form became positive. Instantly, I became addicted to these predictions.

Assuming that astrological anticipations are based on planetary arrangements and lunar observations, it seemed only natural they would all be very similar. Similar, that is, until I picked up a transcript of the television Guide.

As I was skimming through the dorsum of the magazine, I noticed that they had a page dedicated to foretelling the future. Thinking that I would see another reference about my gain, I read on. However, instead of a gain, it stated that I was going to take on the character of Aluminum Bundy and that a Pisces The Fishes would be an built-in portion of my life. Since my girlfriend is a Pisces, I quickly looked up the Pisces The Fishes The Fishes prediction. It said that she would take on the character of Peg Bundy. She jokingly commented, "Hey, it could have got said Teddy Boy Bundy."

My beliefs in these prognoses began to diminish. I needed something to verify the first column I read. Person else had to foretell the same thing.

I looked through a Cosmopolitan that was on the java table. I turned to the astrological subdivision and became even more than depressed. It said, "Romance would come in my life" and I would "fall for an exceedingly fine-looking love interest." This wasn't anywhere fold to the other two predictions. My girlfriend tried to smoothen me over with the account that Cosmo was geared primarily to women and that its prognoses were probably aimed toward women under that sign. "Bouillabaisse," I screamed. My girlfriend couldn't believe I would utilize such as linguistic communication in presence of the dog. But, I was upset.

Using her women's theory about the Cosmo predictions, I went to the shop and bought a men's magazine. I went past the centrefold and turned to my horoscope. It said that the moon was in the Seventh House and Jupiter had aligned with Red Planet and I would probably look bare in a Great White Way play.

I became despairing and drove to the supermarket. As I went through the checkout, I picked up a transcript of the Inquirer with the headline, "Woman Denies Alien Being Are Father of Her Green, Two-Headed Baby." I turned to their zodiacal forecast, but all it said was that I would undergo an Elvis sighting at a Weight Watchers meeting in Key Biscayne.

No 1 could confirm the very first anticipation that I read. In fact, cipher could claim verification on anyone else's guesses. The closest I came is when I called a 900 figure I saw on T.V. advertisement an honest-to-goodness-astrologer. After being on clasp for 15 minutes, "Madame Louisa" told me that I would undergo an unexpected loss. This was true - a twenty-seven dollar complaint was tagged to my telephone bill!

Feeling like I had just learned that there was no Santa Claus, my girlfriend took me out for a quiet dinner at the Shanghai Gardens. I moped through my full meal, until the end, when the server brought over a plate of luck cookies. I took one and broke it open. The small faux pas of paper read: "You will undergo an unexpected addition today." I smiled as I got up to go forth the eating house and the place of my trousers split.

TeleSeminars - 7 Most Common Mistakes Made During a TeleSeminar and What to Do Instead

2008-02-14T13:10:00.001-08:00

1. Cordless or mobile telephone - The danger are static, low batteries and low recording quality. The unity of the audio quality isn't good. A cordless telephone at place have static, especially if it's approach your computer. A mobile telephone that's on and is adjacent to your computing machine or near a corded telephone causes unchanging as well.

2. Start "content" too soon - If you begin your content right away, many of the people just coming on volition be lost. Many of your hearers will not be on the phone call until five or 10 after. Start your content 10 proceedings after you get the call.

3. No "Call to Action" web site - You desire to have got a web land land site you can direct your hearers to so they can take the adjacent measure you desire them to take. Otherwise you are doing all the work yourself. Let the Call to Action web land site make some of the work for you.

4. Missing "Actionizer" - What is an Actionizer? An Actionizer is an inducement to acquire your hearers to take action you desire them to take. An illustration would be a personal confer with with you for each individual that brands a purchase from the call.

5. Action Usher not followed - This is a immense mistake. If you don't follow the action usher it'll mistake and irritate people. Let me state you, the baffled head never buys, and the irritated head absolutely never buys.

6. Promoting only at the end of a phone phone call - When you advance only at the end of a call, you are leaving money on the table. Studies show that the top figure of hearers are present on an hr long name between 10 and 50 proceedings after the phone call starts.

7. Failing to enter the phone phone call - One of the worst feelings in the human race - I cognize because I have got got done this - it to have a call travel great, you are on and the thoughts are flowing, and you did not capture it. Record all your teleseminars.

TeleSeminar Mistake #1 - Failing to Record Every Single One of Your TeleSeminars

2008-02-12T16:48:00.001-08:00

You must enter every single 1 of your teleseminars.

Even if it is your first teleseminar. Even if you cognize there are only going to be 3 people on the phone call and you are one of them.

Even a free teleseminar should be recorded because you never cognize when you're going to have got gems come up out of your mouth. You can transcribe those gems and bend them into articles, blog posts, eBooks, physical books, how-to courses, eCourses or some

other sort of learning material.

It doesn't substance if you're a tooth doctor or if you carve wooden bears - I've had pupils who have got done both. It doesn't substance if you sell existent estate or life insurance. It doesn't substance whether you're an author, manager or consultant. No substance what you do, you can still have got a

teleseminar and record the call, which gives you repurposed content.

The stairway here are so easy to do, yet so many sellers do them easy to bury too. Behavior the teleseminar, have got got it recorded and then have it transcribed. Just as one example, you can take a 60 to 70 minute teleseminar transcript, and with about 30 proceedings of editing, have got an ebook that is ready to go.

The worst possible result would be not recording a phone call and giving one of your best teleseminars, full of great aureate nuggets of information, and you did not capture. I know, because I have got got done this.

Not only make you necessitate to enter each teleseminar, you necessitate to have a dorsum up recording as well.

Are YOU Psychic? Check This To See

2008-01-18T07:15:00.001-08:00

How make you cognize if you're psychic? Most people are, to some degree, even if they don't mention to themselves that way. Most people have got some sense of what's coming, even if they don't quite trust it. In fact, one of the chief grounds people name me is to validate feelings that they have got themselves, and I'm happy to make that. So over the years, I've talked with too many other psychics (though they may not believe of themselves that way) to count. And we all have got a few major issues:

First, we're all incredibly impatient! We anticipate what we "see" (or "hear" or "feel" or "know" or dream, henceforth all referred to as "see") to go on immediately. I mean, if we "see" it as true, then why isn't it here now? As I remind people constantly, in physical reality, things take time. Yes, in the Negro spiritual world, things go on as fast as we can see or conceive of them, but in the physical world, existent people and things have got to be in existent topographic points for an event to happen, and it takes clip to travel those to the appropriate positions. And most of us are bad at knowing how long it will take for the world we "see" to demo up.

I surmise that most of us have got got peculiar clip signatures for certain types of events, though those signatures can change over clip (I cognize mine have gotten faster). What is a clip signature? It's the length of clip between when I take to make something, and "see" it, and when it actually happens. I have got two types of signatures. My clip signature for things looks to be a few days. That is, when I take for a thing to demo up, such as as a plaything handbasket or a beach chair, they be given to be in my way within a few years - I don't travel looking for them, they just demo up. But larger items, like my hubby or a speculation group, be given to take longer - 9 months, in fact.

Second, we're all very attached to what we "see", so that if we don't "see" something, or acquire it wrong, we then invalidate everything else we've ever "seen". That's just not so! No psychical is right 100% of the time. A good 1 is right 80-85% of the time. So why invalidate what is right because not all of it is? And I have got definitely seen some psychics travel into personal identity crises because they've been wrong. No 1 anticipates a stock chooser to be right 100% of the time, and in a way, they're in the same business. Why should you anticipate more than of yourself?

Third, we presume that everyone else is like us. Now to some extent, everyone is psychic. I really make believe that we're all born with an innate connexion to all that is, and so we can access this information. But if you be given to see where things are going, and/or how other people experience or will act, you be given to presume you're normal (what is 'normal', anyway?) and that everyone else makes this, too. They don't. At least, not to the grade that you do. And so we be given to be impatient with others for not seeing what we see.

Childhood Influences On The Subconscious Mind

2008-01-16T06:59:00.001-08:00

Incoming information into the subconscious head mind have the ability to modify, wipe out or replace existent information. This agency that beliefs formed during childhood can future be altered in your grownup old age of life.

However it is often much harder to reprogram a head when you are older, because information have got already been stored into it which the head now utilizes to compare against new incoming information.

The Consequence Of Childhood Influences

For example, if as a kid you were constantly told that you volition never amount to much in life, you would mostly likely turn up with mediocre ego regard and deficiency a belief that you are capable of success.

Essentially your head was programmed not to accomplish success, and it will move out this limiting belief in your hereafter actions, preventing you from achieving any success you travel after.

Subconscious Beliefs And Self Sabotage

The most common manner this happens is by ego sabotage, whereby you unconsciously undermine your opportunities of success or happiness, usually just before they occur.

Although consciously you may not like to fail, subconsciously, because your head have been programmed to fail, that is what your head believes is best for you.

Modifying The Mind

However we are not all doomed by our limiting beliefs in the subconscious, because new information have the ability to change these limiting beliefs into beliefs that will better and enrich your life.

So for example, if you were constantly set down by your parents as a child, but in your later old age of life people kept telling you how fantastic and great you are, your subconscious head head head is forced to reexamine its former beliefs, and eventually will follow the new belief that you now rate success and happiness.

Unfortunately most people are not told how fantastic and great they are by the people they meet, and so in order to reprogram the mind they must make it themselves.

This is typically a slow procedure as you are trying to change or take beliefs that have existed for many years, and which are therefore deeply engrained into the mind. However there are techniques to rush up the charge per unit at which beliefs can be changed. You can happen out about these assorted techniques by visiting the website listed below.

Solutions to ADHD

2007-08-14T12:28:00.001-07:00

It wasn't a surprise to happen out that Attention Deficit Hyperactive Disorder (ADHD) have ranked as one of the most frequent neurological damages all over United States as it mostly hits on children. The upset have affected more than or less five percentage or in figs it is roughly 2 million of the full population. As a justification, experts have got hypothesized that in every American schoolroom you could expect to happen a kid agony from ADHD.

Contrary to the common impression that it was a certain acquisition incapacity, attending deficit disorder blockade the attention and heed of the kid therefore leading the kid to execute poorly at school and in dealing with states of affairs involving other people. attention deficit upset have been deemed as a incomprehensible and a dissatisfactory incapacity because of the world that specializers weren't able to find the definite evidence of the disorder. Yet solutions to attention deficit disorder have got got got now been devised so as to help the households of the agony patient.

In a conference conducted by National Institutes of Health Consensus Development together with the American Academy of Pediatrics in the twelvemonth 2000, they have reported that attention deficit disorder have no identified familial basis.

A well-known neurologist asserted that attention deficit disorder may have been a thousand distinct scenarios which are known for the same name. There's also another brain doctor who said that attention deficit upset may ensue to an umbrella term for numerous linked disorder that is why it is important to happen a solution for ADHD. Due to the fact that different specializers offering assorted solutions to attention deficit upset as well as with varying averments regarding the disorder that consequences to a cloud of confusion for the parents and the patients themselves.

The American Psychiatric Association formulated 14 marks and symptoms which if ever eight symptoms might be present the patient could then be classified as ADD/ADHD.

The first mark would be the twitching of the custody and the feet, or wriggling while they are seated. Often modern times they are experiencing obscureness to stay seated when mandated to make so. One possible job that demands solution in attention deficit disorder is their inclination to be diverted by off the point stimulus. They are basically impatient in most activities they are venturing in like when they are playing games, more than often than not waiting for their bend is the least thing that they could do.

In school activities, they uncover the replies prior to the completion of the question. Experts must also explicate a solution to the attention deficit disorder patients' problem in getting on with instruction manual and with their problem to play quietly resulting to them talking extremely. They also have got this inclination to interfere with another person.

More often than not they don't listen to what other people were saying and that they be given to bury the important duties which are given to them. Perhaps, one of the most alarming things that an attention deficit disorder patient makes is when they prosecute in unsafe activities without thought of the possible consequence of their action.

Solutions to ADHD

With these symptoms laid down, experts have got now formulated solutions to attention deficit disorder which would be utile for the parents and the pedagogues of the attention deficit disorder patients that they would no longer experience embroiled with their situation.

According to the specializers the being of stimulation drugs as a solution to attention deficit disorder were only giving short-range benefits, with a dependability from around 60 to 80% that it could decrease the hyperactivity, distractedness and impulsivity of the child.

The long-term problems weren't really solved by these medicines such as as academic achievements and their rebellious actions. An illustration of the attention deficit disorder medicine was the Ritalin.

Another solution to attention deficit disorder was guidance and therapy with the patient and with their several families. This enactment additional places the other emotional problems which would then take to the aid of the kid to form and to analyze his skills. What the experts and the parents oftentimes overlook was the fact that it shouldn't only be the physiological facet of the individual that should undergo a treatment but as their mental aspect.

Some other people take as solution to attention deficit disorder the natural or option treatments while the others prefer the speculation method wherein they wash up the mind's capacity to be flexible in order to revize their interior thoughts. At any charge per unit this section of the attention deficit disorder necessitates additional research to be able to give a better and more than effectual word form of treatment.

Common Misconceptions About Psychotherapy

2007-08-10T08:09:00.001-07:00

Some thoughts about therapy show up so often in fiction I happen myself wondering how many authors are using them deliberately and how many just don't recognize they're inaccurate. Here are six of the most common, along with some information on more than criterion current practice.

1. You lie on a couch

Reality: Therapy clients don't lie on a couch; some therapists' business offices don't even have got couches.

So where did this come up from? Sigmund Sigmund Freud had his patients lie on a sofa so he could sit down in a chair behind their heads. Why? No deep psychological ground -- he just didn't like people looking at him.

There are a batch of grounds modern therapy clients wouldn't be happy with this. Imagine telling person about hard or awkward experiences and not only not being able to see them, but having them respond with silence. Why on Earth would you desire to travel back?

The ideal curative setup, and they actually learn this in alumnus school, is to have got both chairs turned inward at about a 20 grade angle(give or take about 10 degrees), usually with 8 or 10 feet between them. Often the healer and the client end up facing each other because they turn toward each other in their chairs, but with this apparatus the client doesn't experience like s/he's being confronted.

Even if there is a sofa in the room, the therapist's chair will almost invariably be turned at an angle to it.

2. Therapists analyse everyone

Reality: Therapists don't analyse people any more than than the norm person, and sometimes less often.

Ironically, only people trained in Freud's make-the-patient-lie-on-the-couch-and-free-associate-about-Mother attack (aka psychoanalysis) are taught to analyse at all. All other healers are taught to understand why people make things, but it takes a batch of energy to calculate people out. And to be very frank, while healers are usually protective folks who desire to assist their clients, in day-to-day life they're dealing with their ain issues and don't necessarily have got the clip or space to care about everyone else's jobs or behaviors.

And the last thing most healers desire to hear about in their trim clip is strangers' problems. Therapists acquire paid to cover with other people's jobs for a reason!

3. Therapists have got got sexual activity with their clients

Reality: Therapists never, ever, ever have sexual activity with their clients, or the friends or household members of clients, if they desire to maintain their licenses.

That includes sexual activity therapists. Sexual Activity healers don't watch their clients have got sex, or inquire them to experimentation in the office. Sexual Activity therapy is often about educating and addressing human relationship problems, since those are two of the most common grounds people have got got sexual problems.

Therapists aren't supposed to have sexual activity with former clients, either. The regulation is that if two old age have got got passed and the former client and healer tally into each other and somehow hit it off (ie this wasn't planned), the healer won't be thrown out of professional organisations and have licences revoked. But in most lawsuits other healers will still see them as suspect.

The logical thinking behind this is simple -- healers are to listen and assist without involving their ain issues or needs, which makes a powerfulness derived function that's hard to overcome.

And truth be told, the functions healers play in their business offices are only aspects of who they really are. Therapists focusing all of their attending on clients without ever complaining about their ain concerns or insecurities.

When people believe they desire to be friends, they usually desire to be friends with the therapist, not the person, and a true friendly relationship affects sharing power, and flaws, and taking attention of each other to some extent. Getting to cognize a healer as a existent individual can be disenchanting, because now they desire to speak about themselves and their ain issues!

4. It's all about your female parent (or childhood, or past...)

Reality: One subdivision of psychotherapeutic theory focuses on childhood and the unconscious. The remainder don't.

Psychodynamic theory kept Freud's psychoanalytical belief that early childhood and unconscious chemical mechanisms are of import to later problems, but most modern practicians cognize that we're exposed to a batch of influences in day-to-day life that are just as important.

Some healers will flat-out state you your past isn't of import if it's not directly relevant to the current problem. Some believe extended treatment of the past is an effort to get away duty (Gestalt therapy) or maintain from actively working to change (some types of cognitive-behavioral theory). Some believe that the societal and cultural environments we dwell in today are what do jobs (systems, feminist, and multicultural therapies).

5. electroconvulsive therapy is painful and used to penalize bad patients

Reality: Electro-convulsive treatment (in the past, called electro-shock treatment) is a rare, last-resort treatment for clients who have got got been in and out of the infirmary for suicidality, and for whom more than traditional treatments, like medications, haven't worked. In some cases, the client is so down she can't make the work to acquire better until her encephalon chemical science is working more than effectively.

By the clip electroconvulsive therapy is a consideration, some clients are eager to seek it. They've tried everything else and just desire to experience better. When decease experiences like your lone other option, having person tally a painless current through your encephalon while you're asleep doesn't sound like such as a bad idea.

ECT is not painful, nor make you jitter or shake. Patients are given a musculus relaxant, and because it's frightening to experience paralyzed, they're also briefly placed under general anesthesia. Electrodes are usually attached to only one side of the head, and the current is introduced in short pulses, causing a expansive mal seizure. Doctors supervise the electrical activity on a screen.

The ictus do the encephalon green goods and usage serotonin, norepinephrine, and dopamine, all encephalon chemicals that are low when person is depressed. Some people aftermath up feeling like a miracle have occurred. Respective Sessions are usually required to keep the changes, and then the individual tin be switched to antidepressant drugs and/or other medications.

ECT is no more than unsafe than any other process administered under general anesthesia, and many of the possible side personal effects (confusion, memory disturbance, nausea) may be as much a consequence of the anaesthesia as the treatment itself.

6. "Schizophrenia" is the same thing as having "multiple personalities"

Reality: Schizophrenia is a biological upset with a familial basis. It usually do hallucinations and/or psychotic beliefs (strong thoughts that spell against cultural norms and are not supported by reality), along with a impairment in normal day-to-day functioning. Some people with schizophrenic disorder go periodically catatonic, have got paranoid thoughts, or act in a disorganized manner. They may talk strangely, becoming digressive (wandering verbally, often in a manner that doesn't do sense to the listener) using nelogisms (made up words), clangor associations (rhyming) or, in utmost cases, producing word salads (sentences that sound like a clump of jumbled words and may or may not be grammatically correct).

Dissociative Identity Disorder (formerly multiple personality disorder) is caused by trauma. In some insulting situations, the normal defence chemical mechanism of dissociation may be used to "split off" memories of trauma. In DID, the split also includes the portion of the "core" personality attached to that memory or series of memories. The dissociated personal identity often have its ain name, traits, and quirks; and may or may not age at the same charge per unit as the remainder of the personality (or personalities), if it ages at all.

Therefore, referring to oneself as "schizo" or "schizoid" or "schizophrenic" when one intends one have an change egotism or contradictory personality traits do no sense (and is guaranteed to do the psychologically savvy wince)!

Fundamentals of Cognitive Psychology

2007-07-31T13:10:00.001-07:00

This article will discourse research and grounds in support of a unitary memory shop and in support of a dichotomous approach. A unitary shop connotes that a single system for short-term and long-term memory bes and that they happen along a continuum. They are able to interact and happen within each other, for example, long-term learning can happen within short-term memory tasks. A dichotomous attack positions short-term and long-term memory supplies as being separate components. They are independent of each other and, although they are able to share information, for example, short-term memories are transferred to long-term memory, they make not happen across a continuum. Studies by Chester A. Arthur Melton (1963), Donald Hebb (1961, cited in Melton, A. 1963) and Publius Ovidius Naso Tzeng (1973), described in this article, supply support in favor of the unitary memory store. Experimental grounds from Glanzer and Cunitz (1966, cited in Baddeley, 1997) and Glanzer (1972, cited in Baddeley, 1997) support the attack to divide supplies of memory. Studies by Milner (1966, cited in Baddeley, 1997) and Shallice and Warrington (1970) of patients with memory loss owed to encephalon harm have got provided information that throws with the suggestion that separate supplies exist.

Short-term memory (STM) is a shop that holds a limited amount of information for a limited amount of time, usually a few seconds. The short-term memory can hive away information that have recently been provided, information that have been retrieved from long-term memory or information that have been recently processed. Long-term memory (LTM) supplies information that have meaning and can throw it for any amount of time, from 30 secs to decades. Rehearsal can shift information from the short-term to long-term memory store, as long as dry run happens before the information have been forgotten.

Many intervention theorists, such as as Chester A. Arthur Melton (1963) claim that short-term memory and long-term memory are portion of a single continuum, or unitary store. Intervention is the procedure of a memory follow being disrupted by another and therefore forgetting or, maybe just alterations, of the disrupted memory follow happens (Baddeley, A. 1997). Melton (1963) used the Peterson undertaking devised by Peterson and Peterson (1859, cited in Melton, A. 1963) to demo that when an physical object is presented a figure of times, i.e. dry run is possible, the degree of keeping is increased. Donald Hebb (1961, cited in Melton, A. 1963) had devised a presentation that Melton integrated into his ain survey to demo grounds of long-term learning in STM. In Hebb's study, participants were given figure sequences, just above the short-term memory span, and asked to immediately remember them. Every 3rd sequence was a perennial sequence, unknown to the participant.

It was establish that the degree of recollection of this sequence increased with the figure of trials, showing long-term learning. Melton (1963) used 80 tests, during which the perennial 9-digit sequence would be intervened by 3, 4, 5 or 8 sequences. His determinations were that as repeat increased so did the mean value figure of figures right in recall. These were used to back up Hebb's determinations and to add support to the theory of a continuum of memory stores. Because repeat lessenings as the figure of intervening Numbers increases, retroactive intervention is increased in the intervening gap. Retroactive intervention happens when a memory is disrupted owed to learning more than information during a keeping period. Up until this clip period of time, intervention theory had been used to explicate forgetting in LTM. Melton argued that the ability to utilize intervention theory to explicate reduced keeping in short-term memory was grounds that long-term memory and short-term memory should be focussed on as a unitary, uninterrupted store. However, if more than than one implicit in system of memory is identified with peculiar tasks, the supplies are not necessarily unitary. If the first 10 letters of the alphabet are recalled correctly, as would be expected, short-term capacity have not suddenly increased as recollection would be owed to former long-term knowledge of the alphabet.

Ovid Tzeng (1973) studied the consequence of recentness in delayed free recall. Four listings of 10 words were used to prove free recall. In the 1st condition, the 'initial recall' group, the listing was given, the participant counted backwards from 20 then wrote the words from the listing in any order. In status 2, the 'final recall' group, the participants counted back from 20 after each word was given then recalled the words at the end of the list. The recentness consequence was establish in both groups. When the series place of the words was compared with the per centum recollection score, the curved shapes for both groupings gave almost indistinguishable trends. Initial recollection should have got had a higher recentness consequence as words should still be available in short-term memory and not transferred to LTM. Counting backwards in the concluding recollection grouping should have got transferred the words to long-term memory and produced small recency. These curved shapes could be used to reason that 'the recentness effects…could be attributed to the same long-term processes' (Tzeng, 1973). Hence, short-term memory and long-term memory can be viewed as a unitary store.

It have since been argued that implicit in systems bring forth the difference in consequences in different public presentation tasks. Evelyn Waugh and Jessye Norman (1965, cited in Baddeley, A. 1997) used the term primary election memory and secondary memory to mention to short-term and long-term memory systems, respectively. Primary and secondary memories are different to short-term memory and long-term memory because they mention to the storage of information, rather than the supplies themselves that clasp the information.

Melton's survey have got provided of import grounds into a unitary memory store, but many surveys since have provided grounds for separate memory stores. Glanzer and Cunitz (1966, cited in Baddeley, 1997) showed, using free recall, that points from the beginning and end of a listing are recalled better than those in the middle. This is called the primacy-recency consequence and can be simply explained by the first words being transferred to the long-term memory and easily retrieved from there during recall. The end words are still available from the short-term memory and so are recalled easily. When the listing is followed by a little filled delay, the recentness consequence cannot be seen. This is because the filled hold have resulted in words in short-term storage being not able to be rehearsed. They cannot be transferred to long-term memory and so they decay. Glanzer (1972, cited in Baddeley, 1997) showed that recentness consequence is unaffected by many variables including acquaintance and presentation charge per unit of the word, the age of the participant or the ability to execute other undertakings at the same time. These variables have got instead been shown to impact primacy effect.

Some of the strongest grounds in support of separate memory supplies come ups from memory loss patients. Milner (1966, cited in Baddeley, 1997) studied a patient called H.M World Health Organization had suffered encephalon harm after surgery to handle epilepsy. H.M could retrieve events from early on in his life, but he had terrible troubles with recent memories and new information. He was able to retrieve events and experience from early life, such as as as how to cut down a lawn, but could not larn in progress experience or retrieve recent events, such as where he left the lawnmower. Although he was severely impaired in learning new information, his short-term memory span was intact. This proposes a combination of a faulty secondary shop and a normal primary store. If memory was unitary, both supplies would be faulty and there would not be a difference between the long-term memory memories of early life and in progress experience. It have been suggested that a seemingly normal short-term memory and faulty long-term memory may be a consequence of short-term memory diagnostic diagnostic tests being easier than long-term memory tests. Therefore, the short-term memory would be less disrupted than LTM.

Shallice and Warrington (1970) studied a patient, K.F., suffering with lesions on his brain. The Peterson task, free recollection and a proactive intervention diagnostic test were used to measure short-term capacity and establish this was greatly reduced. The free recollection showed primacy consequence but no recentness effect. Probe acknowledgment and lacking scan establish that retrieval failure was not the cause of this. K.F.'s public presentation on long-term memory related undertakings showed normal LTM. The suggestion that easiness of short-term memory and long-term memory undertakings impacts the consequences in amnesiac patients cannot business relationship for these results, as the short-term memory undertakings were harder for K.F. than H.M. Type A double-dissociation is presented between these consequences and H.M.'s results. Contrasting disagreements in short-term memory and long-term memory on public presentation undertakings impart strong grounds in support of two separate memory systems.

During the 1960's and 1970's much research was conducted to make up one's mind whether memory bes along a continuum or as two separate stores. Although Melton and Tzeng provided grounds in support for a unitary system that was widely accepted by intervention theoreticians at the time, it have since been assumed that there are two separate stores. Amnesic patients have got provided outstanding supportive grounds that a duplex house house bes and, owed to a bigger measure and quality of support for this theory, the thought of a duplex is now largely accepted as the right attack to memory stores.

Facilitated Communication - Possibility of Third Party Influence

2007-07-02T13:18:00.001-07:00

The article I read was entitled: "Facilitated Communication Since 1995: A Review of Published Studies." (Mostert, 2001) This review examined FC studies that were published since previous reviews by Jacobson, Mulick, and Schwartz (1995). The results of the review support and confirm the conclusions reached by previous reviewers of empirical FMC literature. Studies using tight control procedures did not support FC.

Studies providing less stringent control offered mixed results. The only two studies that purported to have positive results, Cardinal et al. and Weiss et al. (as cited by Mostert, 2001) were challenged. The review felt positive results were probably due to methodological controls. Cardinal et al. (as cited by Mostert 2001) claimed that: (a) "under controlled conditions, some facilitated communication users can pass accurate information," and (b) "measurement of facilitated communication under test conditions may be significantly benefited by extensive practice of test protocol." Cardinal's protocol (as cited by Mostert) was as follows:

The recorder asked the facilitator to come into the room.

The student was shown a word on a flash card by a "recorder"

The facilitator said the letters aloud as the student typed them and the

recorder wrote those letters on the data sheet exactly as said.

The student was always given the same positive comment regardless of a

correct or incorrect response; the facilitator left the room and the

recorder repeated the process.

There were 43 subjects ranging from ages 11 to 22, exhibiting a range of disabling conditions such as autism, mental retardation, cerebral palsy and developmental delays. All were identified as having severe communication disorders. Results showed that 75% of the students were able to pass information to a "blind" facilitator to a greater degree than they were able to without FC. Fifty-three percent were able to pass messages in at least 2 out of 5 trials by the end of six weeks.

Mostert felt the study had methodological problems. Possible errors in data collection, degree of possible guessing, inconsistency of researcher presence, prior knowledge, and preconceived assumptions that may have led to a desired study effect were mentioned as problems that could have affected outcomes.

It is important to note that the 27 recorders Cardinal used were teachers and other school personnel who were involved with the subjects in similar educational activities prior to the study. Here is a list of main points:

Like others, Mostert " did not "comprehend" — the possibility of "recorder" influence.

The recorder knew the words that were to be typed.

The recorders had previous relationships with the students as teachers and paraprofessionals.

The students had been using FC for sometime. (Cardinal, 95)

The teachers and paraprofessionals provided a supportive environment. I hypothesize, the "recorders" may have been sending out the image telepathically. They may have also sub-vocalized.

Weiss et al., (as cited by Mostert, 2001) studied a single subject. Study participants were the subject, an experienced "naive" facilitator and Weiss as the experimenter. With the naive facilitator absent, a short story was read to the subject by the experimenter. While the facilitator was out of the room, the experimenter asked the subject questions about the story. The subject answered with the experimenter acting as the facilitator. When the naive facilitator returned, he asked the subject the same questions about the story. Accurate responses were received on trials 1 and 3 but not on trial 2. Trials 1 and 3 occurred in the classroom and trial 2 occurred in the home. Based on the result, Weiss et al. made two claims: (a) Story information elicited by the questions emanated from the subject, not the facilitator, and (b) The subject was unexpectedly able to use inferential and abstract reasoning.

Mostert contends that this also had a problematic methodological approach. Concerns included: 1} possible experimenter influence, 2} the consolidation phase matched the test phase, 3} the experimenters did not explain why in trial 2, the questions asked of the subject were markedly different from the experimenter versus the naive facilitator, 4) a referee was only present for the third trial, and 5) inferential material passed was predictable to the story.

Based on my experiences, I further hypothesis that it is possible the subject was receiving the information from "the experimenter," who was privy to the questions. Answers may have been transferred via "mental prompts." This also helps to explain the unexplained failure in trial 2, when the questions asked of the subject were markedly from the experimenter versus the facilitator.

Mostert does not address the obvious. He suggests the possibility of physical cueing, but steers clear of the communicative relationship that occurs between sender and receiver. Based on years of personal experience, I postulate that it is possible that neither Cardinal's subjects or Weiss's subject would have achieved positive results if the third party influence were not there. I suggest the influence is not necessarily coming from the person who is providing physical support.

Mary Ann Harrington

Reference:

Cardinal D. N. (1995) Presentation of results of a validation study regarding facilitated communication . January 30, 1995 Chapman University, Orange, CA.

Mostert, M.P.(2001) Facilitated Communication since 1995: A Review of Published Studies Journal of Autism and Developmental Disorders, 31, 287-313.

since 1995: A Review of Published Studies Journal of Autism and Developmental Disorders, 31, 287-313.

What Make You - Well You

2007-06-14T13:39:00.001-07:00

How did Ted Kacyzynsk become Ted Kacyaynsk, how did Alice Walker become Alice Walker and how did you become you. Ted became well known as the convicted unibomber and Alice won the Pulitzer prize for writing her book The Color Purple. Ted graduated from high school at the age of 16 he was a loner, with no social interactions. Alice spent most of her days fighting racism and after a tragic accident that left her blind she went on to be a great essayist and a poet. So how much of an impact does our childhood and daily encounters help form what we will become in the future.

Growth and and aging, that starts at time of conception and continues throughout our life is know as development. Development is looked upon as happening in two different ways. First development, starting at conception and continuing throughout life is known as life span approach. A more traditional approach is thought to start at conception and continue only through adolescent. Development is studied from time of conception throughout the life span. The average life span based on the oldest documented age is 122.

There are many aspects in the life span approach of development. Development is said to continue throughout life and change can occur at any point in life. In this thought no age period dominates development. Development is also thought to involve many components such as intelegance, biological and cognitive. Within these dimensions and components some are strengthened and some become weaker. Throughout development these dimensions are thought to have the ability to change and development involves change. Development is a wide study that includes many disciplines. Psychologists, Sociologist, Neuroscientist along with medical researchers all share a interest in unlocking the mysteries of development throughout the life span. Development states that individuals are constantly changing in a world that is also changing. Lastly, it is though that development involves growth, maintenance and regulation.

Although development is a huge subject that is studied widely, many things are explained with this study. In this study we can understand change and see the impact it has on us as individuals. Many things can be explained, such as how parenting styles, differences in children and how education has changed. Education continues to change to fit the needs of our children. Health care is another area that changes frequently and we must adapt to those changes throughout our life.

The study of development is a very interesting subject to explore and I will use it through out my nursing career as well as other aspects in my life.

Disturbing Secrets - Bill English and Project Blue Book Report 13

2007-06-02T13:11:00.001-07:00

After many phone conversations with Bill English during the late 1980s and early 1990s, I came to the conclusion that he was the real deal. That's a rare find in a field filled with people that imagine themselves to be former Directors of MJ-12, Alien Saviors and Pleadian Royalty. Apart from his attention to detail and willingness to produce credentials, Bill had much more to lose than gain by coming forward with the story of Blue Book Report 13. Considering the controversies that grew out of the MJ-12 documents, who would want that kind of negative attention?

Project Bluebook (1949-1969) was the official U.S. Government investigation into UFOs that replaced Projects Grudge (1949-1951) and Sign (1947-1949). Headquartered at Wright-Patterson AFB, the investigations were handled by the U.S. Air Force. Without going into a lot of detail that would distract from the subject, there were thirteen reports prepared from the raw information gathered by those investigations. The reports were numbered 1-12 and 14.

Report 14 contradicted conclusions reached by the others. 1-12 left wiggle room for attacking the credibility of UFO Witnesses. 14 pointed out that less than 10% of the UFO sightings or encounters reported to Bluebook could be attributed to unstable or unreliable witnesses. That made everyone wonder if there was a Report 13 and what it had to say. If there was and it was filled with secrets, why skip a number? Why not give it a different designation and lock it away in some forgotten file drawer? The answer to those questions has to do with the military and bureaucratic mindset. They would rather spend millions of dollars trying to deny or discredit a Report 13, instead of just changing the number.

Enter Bill English, the son of an Arizona State Legislator and a former Captain in the U.S. Army Green Berets. Bill was honorably discharged while overseas in 1973. He remained in Germany with his wife until she was transferred to RAF Chicksands' Department of Defense Schools. Bill's wife was a GS-9 (Teacher). After the couple arrived at Chicksands, English says he ran into a former Commanding Officer working for the NSA. He offered Bill a job at a listening post known as the 'elephant cage.' English accepted the position and remained there until July of 1976.

Bill describes his duties at the listening post:

"It was my job to analyze the translated transcripts of radio transmissions that had been received from Soviet bloc nations through the listening post at Chicksands. We monitored military frequencies mostly. I had to assign what we called a probability rating to the material and create a possible scenario that might result from the transmission or might have resulted in the transmission. Say, for example, if we received information that so-and-so was on vacation somewhere, and then we heard a phone call made from a certain location, we'd compare the two and get an indication whether or not this gentleman really was on vacation or not."

Near the end of June, 1976, English received a 625 page report to examine and evaluate. He identifies it as Grudge/Blue Book Report 13. After examining everything, Bill leaves us with the impression that he assigned a high probability rating to the report which indicated that UFOs were of extraterrestrial origin. He says that decision was influenced by the inclusion of photos associated with a classified military mission that occurred around May of 1970. That mission involved English.

Bill English was a member of Special Forces serving in Vietnam when his team was dispatched to a B-52 crash site in Laos. On arrival, he found the aircraft intact with little visible damage and hatches sealed. After blasting their way in, the team found the crew dead. They were still in their seats and harnesses, but 'horribly mutilated.' Despite the damage to their bodies, there was very little blood present on the floor of the aircraft. After photographing the scene and collecting items on their retrieval list, the Special Forces team set off charges causing bombs still on board the aircraft to explode and incinerate the bodies inside.

Apart from the inclusion of photos taken by the Special Forces Team in Laos, the report contained some very upsetting and disturbing information. The human mutilation case of Sergeant Lovette is a good example. In March of 1956, Air Force Sergeant Jonathan P. Lovette was with Major William Cunningham of the United States Air Force Missile Command. The two were at White Sands Missile Range looking for debris from a missile test. Sergeant Lovette was separated from Major Cunningham for a brief period of time when Cunningham heard him scream.

Cunningham ran over a dune and saw Lovette being dragged aboard a disc-shaped object by a snake-like device wrapped around his legs. Cunningham ran back to his vehicle and radioed news of the incident to Mission Control. Search parties were dispatched to find Lovette. After Cunningham was debriefed, he was admitted to the White Sands Base Dispensary for observation. Three days into the search, Lovette's nude body was located ten miles downrange.

English later commented on the condition of Lovette's body on audio cassette (abridged):

"The body had been mutilated; the tongue had been removed from the lower portion of the jaw. An incision had been made just under the tip of the chin and extended all the way back to the esophagus and larynx. He had been emasculated and his eyes had been removed… (Censored for disturbing content)… There was no sign of blood within the system. The initial autopsy report confirmed that the system had been completely drained of blood and that there was no vascular collapse due to death by bleeding… When the body was found there were a number of dead predatory type birds within the area who apparently had died after trying to partake of the sergeant's body."

Less than a month after he first received the Grudge/Blue Book Report 13, English reported to work only to find himself being escorted to the Base Commander's Office by security personnel. Colonel Robert Black informed him that his services were no longer needed and that he was being immediately expelled from the UK. English was placed on an aircraft at RAF Lakenheath and flown back to the USA without the opportunity to contact his wife or anyone else. Once home, he was given a plane ticket back to Arizona. Bill's wife was left with the impression that he had simply abandoned her.

Two years later, Colonel Black and his Operations Sergeant appeared at Bill's place of business in Tucson, AZ. Black told English that they had also been given the boot by the military because of Grudge/Blue Book Report 13 and that he had a plan to get even with them. Black claimed to have information about an enormous alien craft that was buried at the White Sands Missile Range in New Mexico. He wanted English to help him and his former Operations Sergeant find it and expose the Government Cover-Up. Bill agreed to help, sold his business and threw his money in with theirs.

English describes what happened during the hunt for the huge flying saucer:

"We purchased a van, which we outfitted with desert tires, marine radar, listening devices, magnetometers and some pretty flaky video cameras of the time. We rendezvoused and traveled along the perimeter of WSMR, and in certain areas we would cross into the test range and look around. Ultimately we wound up in White Sands National Park. From there we drove onto the range. Toward sunset, I was walking on the range about 1,000 yards in front of the vehicle. Black and his sergeant were both in it at the time. I heard a rather familiar sound, and screamed 'Incoming!' and went face first into the dirt. The next thing I know, the van is blowing up. I think they fired a rocket. Then there are helicopters all over the place, and I am running for my life, literally. I made it back to Tucson on foot."

After a series of quickly calculated steps and help from friends, English went into hiding. By the time he contacted me in the late 1980s, there had been several serious attempts on his life. To his credit, English began telling his story to most any serious UFO Researcher that would listen. This got his name out before the public and made the possibility of any additional assassination attempts unlikely. However, English still had one extremely dangerous adversary…himself.

Bill English was cautious when it came to revealing certain facts, but those instances were too few and far between. He came across to me as a guy that was recounting his experiences from memory without concern for what anyone thought about it. Most criticisms of English or claimed contradictions count on the 'official version' from government sources and tend to be cancelled out by an equal amount of verifications. In the end, it's what Bill English read about in Grudge/Blue Book Report 13 that tips the scales in his favor.

Apart from any revelations by Bill English, it just made sense that a classified version of the Project Blue Book Report would exist in one form or another. After all, intelligence data is only as good as someone's ability to interpret it. Some sort of reference material would have to be available for that purpose. In such a case, no points would be given for political correctness or watered-down information. While some of the assertions made by English and included in the report may be disturbing, they are the kind of 'in your face' facts that would be found in a classified reference work. They are also not exclusive. Stories of this type exist within the files of many UFO investigators.

I recall being castigated by the UFO research community in New York during the 1980s after revealing that a number of already deceased bodies in local morgues and funeral homes were being strangely mutilated in parts of New York City and Westchester County. The incidents were too widespread and numerous to be the work of a few twisted individuals or some local cult and coincided with multiple UFO sightings. While looking into that, I discovered that a larger than usual number of missing children cases were popping up in the same areas in conjunction with UFO Sightings. That coincides with another case mentioned in Grudge/Blue Book Report 13.

English recounts the Darlington Farm Case as mentioned in Report 13 on audio cassette (abridged):

"October 1953. Man, wife and 13 year old son were sitting down at dinner table. As they sat there the lights in the farm house began to dim. Dogs and animals raised ruckus on outside. 13 year old boy got up from dinner table to see what was going on. Called his mother and father to come look at the funny light in the sky. Father and mother went out onto the porch. When they got out on the porch one of the dogs broke loose from leash beside house and came running around front. Boy began chasing it into the open field."

"As mother and father watched the light come down from the sky, they described it as a round ball of fire and it began to hover over the field where the boy and dog had run to. As they stood and watched, the mother and father heard the boy start screaming for help whereupon the father grabbed his shotgun which was right next to the door and began to run out into the field with the mother following. When the father got to the field he saw his son being carried away by what looked like little men, into this huge fiery looking object. As it took off the father fired several rounds at the object, to no avail. They found the dog; its head had been crushed but no sign of the boy or any other footprints of the little men who apparently carried him off."

"Father called the Darlington police and they immediately came out to investigate. The official report read that the boy had run off and was lost in the forest which bordered the farm. Within 48 hours the Air Force made the determination that the family was to be relocated. The mother and father were picked up by Air Force (personnel) and all personal belongings and possessions were loaded into U.S. Air Force trucks and moved to a northwestern relocation site. The mother was in shock and had to go through a great deal of psychotherapy and deprogramming as did father. One interesting aspect about this case was classification under Air Force report which read it was a genuine CE 3 and that for the good of national security the mother and father had been relocated to relocation zones Z21-14. Not sure whether this indicated map grid coordinates or latitude longitude."

The one thing that most critics and skeptics miss when they randomly attack UFO Witnesses and Cases is the commonality factor. That factor plays a big part in my belief that Grudge/Blue Book Report 13 is real and that English had access to it. The experiences and revelations of Bill English are disturbing on many levels, but that doesn't make them untrue. The truth remains the truth whether we are intellectually able to accept it or not.

An Encounter

2007-05-25T17:37:00.001-07:00

I live away from home since I was working in the city. I stayed in a boardinghouse, just simple and ten minutes from my workplace. The place before was burned two years ago but now reconstructed. It was a two storey house, the boarders are situated in the upper storey made of wood and the owner stayed in the lower part made of concrete facade. It has seven rooms.

My room was located in the far right end just overlooking a terrace. My first stay was unusual. I sensed something strange. Usually at night, I could hear the tapping of shoes in the center aisle and the steps of footprints just near my door at the hallway and then vanished. Not only that, I could hear the scratching of the wall and even the roof.

I usually out from work at dawn around 3:00 o'clock. My beau was with me. As we were about to go upstairs, someone was following us behind our back, a filthy old woman carrying a basket. We moved fast, she moved hastily with a sad looking face intruding our place and went upstairs to the bathroom.

One Saturday night, I stayed in the boardinghouse to wash away my clothes. It was about past twelve midnight when I was finished. I was alone in the comfort room, as I opened the door, only to find out that old woman again standing right behind the door. My heart beat faster; I felt shocked and moved directly to the terrace to hang my clothes. That old woman was not there anymore so I went to the kitchen to brush my teeth. I felt strange in my back as if someone was watching me.

I heard someone is approaching, I could hear the footsteps in my back….my nerves was cracking. I could feel the coldness in my neck; I looked back but found nothing. I held a small mirror just to glance my teeth…only to see a strange face, ugly as it could be in the mirror behind my back. I shouted with all my might and leaved everything there without turning back. Running to my room and locked it immediately. I felt shocked and unable to sleep. That was my greatest nightmare of all, my encounter, unknowingly terrified. Was it a ghost? A witch? An intruder? This questions lies in my memory and wanting for answer.

Overcoming Nerves at a Fencing Tournament

2007-05-24T11:19:00.001-07:00

"I always get really nervous before a tournament. I'm concerned about fencing people I've never fenced before. What do I do?"

Think back to your last tournament. You were probably standing in the venue, looking around at all of the new faces. Remember when the pool was called, and you and the rest of the fencers in the pool are at the strip waiting for the referee to arrive? I can recall how I felt at that moment. My heart would be racing and my chest would feel tight.

Why did my body react this way? Emotional reactions can create physiological responses. A physical response to immediate stress is called flight-or-fight syndrome. The body anticipates an impending struggle and as a defense mechanism, it increases blood flow to vital organs to prepare for survival. The heart beats faster and adrenaline shoots through your arteries. You may get sweaty palms, butterflies in the stomach, rapid heartbeat, or the urgency to use the bathroom.

These responses that you get from facing a brand new opponent are a normal part of fencing. In practice, it's usually not upsetting if you lose to someone you've never fenced before. In competition, however, fencing a new opponent is extremely common and losing to them has much more of an impact than in practice. Fencing anyone requires plenty of adjustment, patience, and focus, while maintaining your sense of timing and distance.

New styles, funky forms, and changing tempos can create a range of emotional and physical reactions both before and during the bout. You may experience self-doubt and lack confidence in your abilities to adjust to a new fencer. Luckily, it is completely normal for anyone to feel this way, no matter how long you have been fencing. It is a way that your body is telling you that it is ready for battle. Being nervous isn't a sign of being a bad fencer; it's a way of saying that you care about the result of the bout.

Turn fencing someone new from an obstacle to a valuable challenge. Follow the C.P.T steps through your training, and you can face new competitors with greater ease.

Control what you can. Going to practice as often as you can, working as hard as you can, and staying physically fit are all things you can control. Focus on your game by fortifying your weaknesses and using your strengths. You can't control the rating of your opponent. You can challenge them by giving it your all.
Plan for the tournament by being prepared in every way that you can be. Work hard in practice by training with your coach and teammates. Fence various types of people, ranging from beginners to elite competitors. Know the terminology, rules, and equipment. Watch other fencers as they warm-up, or even fence them as your own warm-up, to get a feel for their style and experience level. Get enough sleep the night before and eat breakfast that morning. Stay hydrated. These are all things that will enable you to be ready for competition.
Trust yourself!! You have rigorously trained to compete. There is no more training you can do up to the start of the tournament. Competition is no place for perfecting new moves. This is the time to apply what you know. Trusting that you can perform the skills necessary to succeed no matter who you face is a big part of developing confidence and gaining success. Know that you are able to bounce back from mistakes, fight for every touch, and don't stop fencing until the referee says, "Halt!"

If you are nervous about fencing someone new at a tournament, remember that this is a natural part of fencing. It will happen again and again, so learning to deal with it in a constructive manner will be advantageous to your game.

Keep in mind the steps of C.P.T. and you will be ready to face anyone.

Reasons of Juvenile Violence in United Kingdom

2007-05-21T07:46:00.001-07:00

Juvenile violence in United Kingdom is caused with a huge number of sources from which children learn about violence. Level of family relations might drop down after having any problems in family, unsteady control and disregardness of raising antisocial behavior of a child. In cases of earlier displays of violence public places like educational institutions usually become places where teenagers find respect and recognition through cruelty. ¾ of mothers in United Kingdom have admitted that if any kind of violent acts had place in their families kids observed them. It is very difficult to avoid continuation of spread of violence once it has begun. Results of emotional, physical or sexual abuse grow with time into violent attitude and the risk of its manifestation in critical situations increases.

Let's analyze what are the major reasons of growing juvenile violence in Great Britain. There are many reasons because of which youth may exhibit violent behavior but nature of the main one lies in erroneous attitude of their parents. There is very little time left for their kids after all day is usually spent at work. The situation gets worse because of a violence in society and its influence on youth. Nowadays children spend the biggest part of a free time watching different television programs where pictures of violence have a big place. What is being watched by children is controlled only by half of parents in United Kingdom. With all that the majority of all programs display rude behavior in real life and only a quarter of them shows what are the results of violence. Two major factors that cause violence among children are parent neglect and violence in community though there are many other dangerous causes of teenage criminality.

Atypical Teaching Strategies Using Mental Prompts for Individuals With Autism

2007-05-18T07:06:00.001-07:00

This page is devoted to my personal opinions and strategies for working with a subgroup of individuals — primarily with severe regressive autism — who are nonverbal and demonstrate significant motor and sensory impairments. I've also found some of these strategies effective with those with some verbal capability who have difficulty accessing their words.

What do I do when I encounter a child with these enormous gifts and obvious challenges? I establish trust. I tell them that I know of their competence and that I am willing to serve. I view myself as a bridge to help them understand and utilize our communication system. At the same time, I acknowledge them as my teachers. Most importantly, I try to keep my own energy, calm, peaceful, yet assertive to insure they feel safe and protected, as they appear to be very sensitive to my energy.

When teaching, I attempt to set a dominant rhythm, encourage the kids to stop self-stimulatory behaviors, and deliberately send mental prompts. I do this to limit the focus of the child and keep him on track. I feel it improves the student's ability to categorize, organize and access information. If the child is facing me, I send the mental prompt in mirror image. This is especially true when I am using word cards. I also say the answer sub-vocally. I speculate that a type of entrainment of brain wave frequency is occurring during my interactions. There is a sense of trust established. The children do not react to things that might normally bother them, but rather just go with the flow. I speculate that it is easier to entrain brain wave frequency when the discrepancy is not too great. I believe these children are vibrating at a high frequency. I speculate that those they are able to initially join with are vibrating higher than normal also. After initial entrainment occurs, I attempt to lower my own frequency by becoming present or aware, in hopes that they will lower their own frequency to match mine. Over time, I have noticed that the individual can respond to individuals he normally would not relate to. I speculate that this method is at least partially responsible for increased receptive language skills.

To see if a connection has been made, I might show the child two picture or word cards and see if he will choose the one I ask for. This may be a child who had not shown any prior ability to read, or even negligible receptive language skills. If so, and the connection was successful, I think of the word card I want and speak it sub-vocally. When facing students, remember that I visualize in mirror image. When possible, I prefer working with students from behind so I am moving in unison with them.

This is also true when I engage a child in facilitated writing or drawing, as we are moving in tandem using a typical right to left progression. Unlike hand over hand, I hold the writing or drawing utensil in my hand and instruct the child to copy or draw a particular shape or letter. When working, I often start the child at the top and stop when a switch in direction is needed. I often also stop him at the bottom, as many of the children obviously have difficulty starting, switching and stopping movement. If a variety of individuals are working on assisted writing or drawing, I would suggest they all use the same top to bottom, left to right progression, unless a student signals a different precedent.

I always say the letter, shape, or object at the same time I'm sending the image and/or sub-vocalizing. If I am facing the child, images are sent in mirror image. I like to remove mental prompts as receptive language skills improve, explaining to the individual what I am trying to do and why. This is tricky in a group setting where the students' needs for prompts vary.

I find that giving the student a limited choice of possible responses and then slowly expanding the field gives him a vehicle to demonstrate his competence. It puts him on track and increases his ability to filter, organize and categorize information on its own. Stimulus response-type instruction seems to increases the fluidity as opposed to inactive listening.

In direct contrast to teaching typical children or verbal, concrete-thinking autistic children, I tend to work with individuals with this type of autism starting with the abstract, moving to the representational and then to the concrete. I meet them in areas of abstract thought (words). Once they appear to be able to read a word by selecting it from a field of choices, I would then have them select the word when the function was given. (i.e. what do you color with?) Next I might ask them "who/what/where/when/why" questions and again have them select the correct word card — not only to check comprehension but also to narrow their focus and hopefully help them form mental categories. For example, if I ask a "who" question, hopefully they begin to process that I am looking for a person. If I ask a "where" question, then I am looking for a place. "What" would signal an object. "What" are they doing would signal a verb. If a child has difficulty labeling, then I often start with actions, because there are less of them and their meaning is potent: i.e. eat, drink, play, jump.

The word needs to be linked with a picture and the picture (representational) with the object (concrete). It has been my experience that students are often able to pick out the word "glue" or the picture of a bottle of glue before they can pick out the actual glue bottle from a field of choices. I wonder if this, too, can be explained by vibration frequency and/or image consistency. Does a two-dimensional image of the word "glue" vibrate at a higher frequency than its three-dimensional counterpart? Does the student perceive three-dimensional objects as we do? Is it possible that a three-dimensional object vibrates so slowly that it is not being perceived in the same way by sender and receiver? Or is it simply that actual objects vary so much in terms of attributes?

Words are constant, as are many communication pictures used in the classroom. Whatever the reason when teaching, I believe the individual should be encouraged to demonstrate concrete correlation and awareness. Integration, correlation, transfer, and backward chaining of underlying skills needs to occur. Although the lights (abstract) are on in the attic, the foundation (concrete) is often very weak. In contrast, when I am joining for them to give me information and increase my level of awareness of the spiritual side of life, I just let it flow, as they are the ones teaching me. I believe the two can coexist if everyone would be honest with the student, the parent, and the community.

I facilitate gross and fine motor movements in all areas and slowly remove prompts, using backward chaining — whether it be buttoning, tying a shoe, throwing a basketball, cutting food, selecting a correct response, drawing, writing or typing.

I am open and aware of the influence I can have over their communications. Either intentionally or not, I supplement this form of communication with PECS (Picture Exchange Communication System). PECS encourages spontaneity and is less dependent on a connection with me. PECS also serves as a preliminary step to augmentative communication devices and programs. Adept students do not need their partner to be within certain proximity to use it. However, PECS restricts the student's higher-level communications and astounding demonstrations of intelligence or access to it.

Often when using PECS, I have the child type the word on the picture and hand me the communication device. Once they have demonstrated that they understand that the word, picture and object are the same thing, I let them type their request on a voice output communication device. If they are not using a voice output device, I have them hand me the communicator. At this point, they may also switch to augmentative communication programs such as speaking dynamically. I have worked with a few who demonstrate this level of independent competence; with no agent present, they demonstrate similar language deficits as moderately functioning verbal individuals with autism. Though these particular students were nonverbal and had significant motor impairments, they appeared to have less difficulty initiating.

It has been said that individuals with autism use one sensory channel at a time. It has also been said that there is a delay between visual and auditory processing. I would like to add that I have noticed that some individuals demonstrate disconnected sensory channels. Often they will lose their accuracy in selecting a correct response if they have to get up and move. Giving a visual prompt, picture, sign or gesture usually remedies the problem, but it does not explain the break. Is it going from listening to moving that cause the thought disruption? Or is it because they have lost their connection with me?

Of course, then there was the nonverbal student who never looked at the table to scan the array of answers — not even a quick peripheral glance, yet, his selection of responses was invariably correct! It appeared as if he were seeing and controlling his body from outside himself.

Some of my more severely affected students were not be able to match an object presented visually with an object they could touch but not see. For example, I put a crayon, bottle of glue, scissors and a ball in a bag. Then I showed a student a crayon and asked him to reach in the bag and find the same. He appeared unable to do it. I then put one of the objects in his hand, and he had no difficulty reaching in the bag to find the same object. He was successful at tactile to tactile, but not visual to tactile. Other students who showed the same difficulty eventually picked it up with practice, but he continued to have difficulty.

When students are engaged in self-stimulation, such as hand flapping, I encourage them to stop when we are in the process of direct instruction and/or joining, because it appears to interfere with our connection. Tapping the child alternately on the right and left side of the body to establish a rhythm seems to calm the student down and cut down on his need to self-stimulate. When not involved in direct instruction, I let them re-engage in self-stimulatory activities if they are not dangerous. I attempt to replace dangerous ones rather than fade them.

Many of the children appear to lack an internal rhythm. I would suggest that parents keep babies and young children very close to them so the child can feel the heartbeat and rhythm of the mother. I have noticed that by alternately tapping the right and left hand, shoulder, or arm calms the kids down and lessens self- stimulatory behavior, as many appear to be used to provide self regulation or rhythm. I might also have them listen to ocean waves to help attune them them to the rhythm of the earth. As they matured, I would encourage them to participate in group meditation, holding hands with calm individuals with even breathing. Listening to binaural beats, and musical entrainment CD's, new age music, and nature sounds all seem to have a positive effect.

I allow ample time for spinning, swinging or jumping on a trampoline and have found that saturation lessens the need for vestibular input over time. Many of my students liked rhythmic pressure to the sides or front and back of their heads. It has been particularly helpful for students who are self-abusive, anxious, or exhibit auditory defensiveness. I believe that brushing, deep-pressure, massage, joint compressions, meditation, reiki and reflexology all have their place in helping the child feel more comfortable in his body.

To summarize:

Attitude:

1) Open your heart and join. Keep your emotions and energy calm, open, and loving.

Truly love them and feel blessed in their company.

2) Approach with respect. Assume competency. Acknowledge intelligence.

3) Make sure they are comfortable. Be aware of internal and external sensory irritants

and attempt to alleviate them. (lights, sounds, smells, erratic interfering thoughts)

4) Provide positive sensory experiences. (deep pressure, massage, spinning, swinging)

5) Realize that many self-stimulatory behaviors and movements are used to get their bodies, sensory systems,

and brains to function. Help them establish an internal rhythm.

6) Understand and organized body leads to an organized mind. learning appropriate and varied

movement patterns enhances all areas of function.

7) Let those who chose to use you as a tool. It is often a step along the way.

8) Understand some individuals with severe autism benefit from an agent with a strong rhythm to

maintain their attention and override other interfering stimuli. Use this strong rhythm to deter

interfering self -stimulatory behavior during direct instruction.

9) Accept the fact that a form of telepathy or joined or entangled energy is occurring.

10) Empower them! Promote independence with dignity! Accept the unexpected!

Strategies:

1) Meet each child at his level.

2) Provide visual strategies, motoring, and mental prompts as needed to insure errorless

teaching. Remove as needed using backward chaining techniques.

3) Teach through out the day. Include children in all conversations. Provide slow relaxed visual and

auditory input throughout all activities.

4) Narrow focus. Start with a field of two and broaden.

5) Use sentence closure techniques for non verbal or those with limited verbal capability.

6) Teach categories to help them develop an internal filing cabinet that limits choices.

7) Provide motivating activities specific to each child to increase initiations.

8) Make sure the child correlates the abstract (word, sign) representational (picture) concrete (object).

Remember, With severe students with a propensity toward hyperlexia and or telepathic prompts the word

may be learned first.

9) Teach simple understanding of parts of speech by having the children answer simple "wh" questions about a

sentence in hopes of internally limiting possible responses, thus promoting easier access.

10) Repetition is key, particularly if movement is involved. Yet, be willing to move on if the children indicate

the need.

Psychoanalytic Theory as a Background for Therapy

2007-05-15T09:50:00.001-07:00

Psychoanalytic is a wide conception which shows what changes are happening in human's brain when it is functioning. This theory has several underlying presumptions.

On the one hand, our brain needs some energy that is used to stimulate it for psychological activity such as memorizing, designing and emotional work. Eros and thanatos are the main channels of this energy. Eros is the one which is based on original instincts of a human – instinct to survive and to transmit genes into future generations and thanatos refers to death instinct. Brain activity has a certain amount of energy and it is used in a proper way when there is a concentration on fears.

On the other hand whatever work is happening in our mind is for some definite reason. All the disparities between our mind and our behavior can be easily resolved with concepts of psychoanalytic. People have natural instincts and sometimes they contradict our social values.

The third thing is that the structure of our mind is very complex. It can be described as a principal of building a house with three main parts: unconscious, pre-conscious and the main one which is hidden like a foundation – conscious one. Speaking about the structure of human's brain we can divide it into three basic parts which are Id, Ego and Superego. Id is an unreasonable mind, Ego is a wise part and Superego is an ethic part. The personality of a person is defined with his possibility to find a compromise between these three parts. An influence on a person is the strongest when his mind is not strong yet like in childhood that's why the first stages of forming the mind should be controlled the most. An influence of unconscious part on a wise part of it is displayed in dreams. Unwise energy has an influence on our actions even though it is usually not noticed. Analyzing these facts we can state that energy that is produced in human mind during negative events can be used very effectively to solve conflicts between three parts of our mind.

The last concept is that every human mind has its own mechanisms of defense which are used in critical situations to save psychology from any damage. It is possible to explain unreasonable and unpredictable behaviors of a person in such situations by some inner conflicts.

This psychoanalytic theory of human mind was an innovation in traditional psychology. To use the major principles a person needs to realize that they are not parts of a personality theory. But it was created to provide some help to resolve problems in human mind and to help providing therapy.

Is Too Much Information Negatively Affecting your Intuition?

2007-05-13T07:38:00.001-07:00

Many people are so overwhelmed by the modern information flows that it negatively affects their ability to think. Quite a few psychologists agree with this statement. Of course one can always over come the negative by how the information is taken in or if it is chosen to be committed to memory. Also, if information is power, as is often said too. Then more information is a good thing.

Just because you have too much information does not mean you have to "choose" to be over burdened by endless details, if you are overwhelmed with information you can never decide to do anything, too busy analyzing everything to death rather than using intuition. But if you have the information and fast processing and rely on intuition, also then you can come to decisions much faster and better.

Thus you can kill 1000 birds with one high-powered rifle by lining up the ducks in advance. Basically a chess champion thinking beyond 13 moves and taking his experiences, observations, knowledge and intuition to make the best guess. (non-linear thought). In my professional opinion, of course the psychologists warn us to be balanced and relax more - keep it simple if you will. A helpful psychologist might say - are you happy being bombarded with information?

I say to them: Yes, it is pleasing. But by switching to diverse subjects one can balance out the thinking. I never turn my brain off. I never do drugs, I don't drink. I solve problems when I sleep and wake up with the answer. Why not? If you want to be the best athlete you must train, condition, develop reflexes, watch what you eat, focus, etc. I see the mental issue the same. The brain is like a muscle, use it or lose it.

Indeed such a statement is intriguing to psychologists or so they say - such thinking like this fascinates them. That is fine, but they need to understand that the brain is a device used to process. It is "YOU" who asks the questions and chooses "WHAT" to think, who cares what device is used. Be efficient, keep it simple, do what works. If the organic brain works better for some things, then by all means use it, it is a fabulous device. But on the other hand if you can augment that with the use of a Texas Instrument Scientific Calculator, heck do it.

If you can be wired with a "Brain Port" to a Super Computer the size of a dime, well now we are talking. I can then reach my goal of solving all the World's problems and challenges. And luckily humans do so many stupid and linear things, that there will always be lots to do? Too heavy a subject for you, that is fine, turn off your brain and turn off your mind.

Download Your Brain and Save the Information After Physical Death of Body

2007-05-08T10:18:00.001-07:00

Each generation humans lose the hard earned knowledge of their predecessors and thus are doomed to repeat much of the same lessons over and over again. About the time they learn it all their lives are over and it starts all over again with the next generation. What if we could download your brain and save the information and keep it after your death?

Such technology has vast applications. Some fear it would be used to download to a clone after their brains were completely wiped clean. Of course we know human life is not for sale and the ethical implications of this are also known to be problematic at best.

Is it Possible to download and preserve the information in a human brain?

Brain Downloading could be done using Artificial Intelligent Software and 3D neural network firing tracking in a virtual 3D grid using a mind-mapping strategy and fMRI scans. Once the map was completed and routinely updated specific memories based on firing sequences could be captured.

Once this is done the individual with their specific mind map could have these memories, events downloaded into 1's and Zero's until they were re-imprinted thru visual input in a Virtual or Augmented reality chamber using Holographic Projection, Spectral Imaging, and frequency waves to relive the experiences.

These experiences could also be sold as "Experience Recordings" online to others to play in their virtual reality chambers. I speak to the buying and trading of experiences in these two eBooks attached, in specific chapter sub-headings.

My thoughts are if a couple were married 50 years and one dies the other could join them in the brain of the one surviving. Also this technology could be used for Scientists to get into the minds of people like Einstein and thus the knowledge is not lost. Alzheimer patients might download their brains prior to things getting too bad and then if cured later then can have their minds back.

We could erase horrible memories of soldiers for PTS and such as well, download, erase and replenish. Can you see the many killer applications of this technology? Perhaps we ought to make it so. What say you?

Conspiracies Theory - Mind Altering Drugs, Telepathic Powers, Government Agencies Recruiting Spies

2007-05-07T04:10:00.001-07:00

Some way out conspiracy theorists believe that there are government agencies recruiting certain individuals who have a genetic displacement which allows them to see glimpses of the future or enables them to do remote viewing. There have been many way out stories and conspiracy theorist books written on individuals with telepathic powers working for the United States government.

If they are that is a good thing and I'm glad they're working on our team rather than someone else's. Is this conspiracy theory real? Does the government recruit kids by giving them mind altering drugs to help them harness their telepathic powers to recruit them as spies? Is this storyline any good? Sure that is a good one. Here is why. Some people's brains run at faster RPMs. and if a kid had used a methanphetine (Sp?) then their brain waves might jump to 60-80 Hz and who knows what that might do?

Someone talking on a cell phone for an hour might have heated up their brains and caused rogue brain waves able to catch a glimpse of something else. Remember energy and electrical waves are everywhere, so all you would have to do is ride one to another, to another and read it.

If photons can store images and the brain works on light and the nerves of the body work on sound vibrations and the bio-system has various waves, then sure a mind altering drug could do something that would allow some sort of possibilities. Vanimer Bush and others had done studies in the 70's with these sorts of things. And we all know the story about Shaman theories and their miraculous abilities.

Since most of this is bathed in science-fiction fantasy and conspiracy theory probably there is nothing more to it than that, although many people want to believe it is all true? What do you believe? Is this all just more twilight zone episode's gone mad?

Dr Michael Wolf and The Gateway Treatment To Summon Aliens

2007-05-05T15:47:00.001-07:00

It's impossible to define or even try and explain the late Dr. Michael Wolf. I knew this less than five minutes after I first spoke with him on the phone almost twenty years ago. If I had to define Wolf in one statement, I would say that he was one of the most well-connected U.S. Government Insiders that I ever met.

My association with Wolf began after my friend and fellow paranormal researcher, Dick Criswell, told me about him and offered an introduction by phone in the late 1980s. Although I was initially skeptical of Wolf's claims regarding UFOs and his government insider status, those concerns vanished after our first conversation. I found him to be intelligent, knowledgeable and easily able to answer most any question that I threw his way.

If anything about Wolf frustrated me, it was trying to understand exactly what he did for the government. As the son of a retired Air Force Officer, I knew people that worked on the shady side of the government tree. These weren't black-ops types, but Something Else. Wolf easily qualified as Something Else. Trying to decode who he was and what he did for the government is like trying to explain the modern British Monarchy to someone who hasn't studied English History. It's there and it works, but no one knows how or why.

Michael Wolf had the ability to put you at ease. A phone conversation with him was always enjoyable and never boring. After a number long distance calls, I resigned myself to the fact that obtaining and understanding the information he offered was far more important than understanding him or where his information came from. That was something that tended to stop most UFO Researchers right in their tracks if they had a chance to speak with him. I wasn't going to let it stop me. As long as I could find other ways to verify his information, I wasn't going to look a gift horse in the mouth.

My biggest concern as a was passing on disinformation to the public. There were enough alleged UFO Researchers out there doing that already. With Wolf's permission, I recorded our calls and carefully dissected everything he told me as time permitted. Not being one for small talk, Wolf tended to compress what he said and present volumes of information every time we spoke. One of the most interesting things he told me about was JFK's UFO Sighting.

Wolf's late wife, Sara, was related to the Kennedy's. As a result, the couple occasionally stayed at the Kennedy Compound which covered six acres of waterfront property along Nantucket Sound in Massachusetts. During one of these visits, JFK and others on his boat (including Mrs. Wolf) saw a classic disc-shaped UFO which threw his Secret Service detail into a tizzy. Michael was in bed at the time with a cold or the flu. Although Kennedy asked his guests not to talk about the incident, Sara told Wolf about it as soon as she got back to the house.

I was told the Kennedy UFO story in the early 1990s. Knowing it wouldn't be easy to verify, I contacted a family friend. Her name is Beth Monahan. Beth and I attended the same School from Kindergarten to 6th Grade. Her parents and mine were close friends and we lived just a few blocks from each other in those days. We've stayed in touch over the years and she has proved to be an invaluable source of information when it comes to matters involving the Government.

Beth is an expert researcher on almost any subject, but her specialty is getting the goods on things that happen inside the U.S. Government. When it came to obtaining information about the Kennedy UFO Sighting, I really lucked out. Beth actually worked for Pierre Salinger, the former Kennedy White House Press Secretary, a few times over the years. I asked her if she might provide me with a way to contact him. I didn't want to place her in the delicate position of asking about the Kennedy UFO sighting.

Beth managed a mailing address for Salinger, so I wrote him a short, but very specific letter asking about the JFK UFO incident. Sometime later I received a reply which surprised me. Salinger wrote back and said that he was aware of the story, but had never actually had time to discuss it with the late President before he was assassinated. It was a polite way of saying he knew about it, but had no way to verify it. Plausible denial at its best!

Salinger indicated that even if it were true, that wasn't the kind of information that would have been made public if Kennedy had lived to serve out his term. He concluded by asking me how I knew Dr Wolf. I wrote back, answered his question and wondered if he knew anyone within the Kennedy Family that had personally discussed the sighting with JFK or had any knowledge about it. I received a polite, but very brief reply indicating that he had no more information about the matter in question and would not be able to obtain any. He suggested I go back to Wolf if I wanted more information. That situation, alone, easily represents the enigma that is Dr Michael Wolf.

As part of his work with the Government, Dr. Wolf pioneered an amazing mental technique known as THE GATEWAY TREATMENT. This technique had two purposes:

1. In Wolf's own words: "It opens up the brain. Gateway is a way to stimulate the neurons allowing billions of synapses to form and, therefore, allows the person that masters it to have use of a vastly increased mind."

2. To telepathically communicate with and summon positive Alien Entities.

As a person who prefers proof to proxy, I can say that listening to Wolf teach the gateway Treatment is one of the most amazing things that I have ever experienced. Not only does he teach it well and make it a snap to learn, but the difference in your ability to think, remember things and process information is almost instant.

Thanks to Dick Criswell, we have a perfect copy of Dr Wolf's Gateway Method on Audio CD. Prior to his death, this was a method reserved for a few very close and trusted friends and government insiders that used it with special permission. If you listen to Wolf teaching Gateway, you will quickly understand why. Visit http://wolf.UFOguy.com for more about Dr Michael Wolf and the Gateway Treatment. Gateway is now available on two audio CDs which can be ordered online.

Dr Wolf worked with the late Carl Sagan, served as a Scientific Consultant to Presidents, was a member of the Satellite Government, helped develop Zero Point Energy, served in the Air Force and was a member of the Alphacom Team. This was the amazing life of the late Dr Michael Wolf who continues to inspire, inform and teach us.

Overcoming Dyslexia - One of the Most Common Learning Disabilities

2007-05-02T12:45:00.001-07:00

Research studies suggest that as large as 9 per cent of school aged children in the United States alone are suffering from Dyslexia. Some researchers have suggested even 17 per cent. It is understood that problem could be much larger in Europe and non-European countries. It is reported that in countries like the US, Canada, New Zealand and UK, there is lack of proper support and interest in learning disabilities of children in public schools. And in most of the countries, children are struggling with phonics and developmental disorders.

Dyslexia is a neurological or brain based condition. With this condition, there is supposed to be poor communication between the left and right brain hemispheres. It is a specific learning disability whereby elementary school children have reading, writing and spelling difficulties.

The word "Dyslexia" is composed of two Greek words – "Dys" meaning impaired and "lexis" meaning word. Children suffering from dyslexia are called dyslexic or dyslectic.
A dyslexia child is not able to develop reading and writing skills despite normal teaching and sociological environment. Dyslexia is supposed to be both genetic and hereditary.

It is generally believed that dyslectic children are not in any way less intelligent or suffering from sensory problems like poor eyesight, though in some cases they have poor vision also. They could be having all the intellectual and physical abilities, but still be dyslectic. They are motivated, but they are not able to develop enough reading and writing skills as their other classmates.

Though dyslexia affects primarily reading and writing skills, they are also reported to be having speaking and other non-language difficulties. Boys are supposed to be more dyslectic than girls. Dyslexia can range from mild to severe conditions. Some experts are of the view that the term dyslexia should be applied more to children with acute learning problems of about 5 per cent of all dyslectic cases, and "Reading Disorder" or "Reading Disability" should generally be applied to most of the other cases.

While understanding dyslexia, it may, however, be noted that poor reading skills are not solely because of dyslexia. These could also be the result of poor teaching methods.

Dyslexia Symptoms

Dyslectic children can be spotted early. While still in their First, Second or Third grades, they may demonstrate speaking difficulties and mixed up sounds and pronunciations. They may not speak letters like R's, L's, M's or N's properly. In short they lack in speech. They may wrongly pronounce words like "red and green" as "wed and green" and the like. They could also be having listening problems.

It is but natural that children with speech and hearing problems can latter be having reading problems as well. They will be lacking awareness regarding smallest units in spoken language or phonetic awareness.

The existence or non-existence of dyslexia is determined by a qualified professional like a neurologist or an educational psychologist by following a proper dyslexia test. The evaluation is designed to test reading, writing, spelling and language skills. In addition, memory, intelligence, hearing and vision tests may also be conducted. Generally, dyslectic children are characterized with the following:

•Reading, writing and spelling deficiencies as compared to their peers, in spite of having normal intelligence and oral language. In some cases, there could also be oral language and talking difficulties:

•Despite having average, above average or excellent intelligence, they will fall short of academic achievement in areas like pronunciation, vocabulary, alphabets, concepts, poor handwriting etc. They may not be able to differentiate between letters and symbols:

•They could be having behavioral problems and can be lazy, dumb, careless, withdrawing, non-participative, non-caring and simply naïve:

•Dialectics can easily feel frustrated, angry, emotional and repulsive in the face of school or household chores:

•They may suffer from inferiority complex and will be lacking self-esteem. This may lead them to underachieve in academics and in society at large.

•They will try to indulge in other activities like sports, music, art, drama, machines, sales, business, community work etc. in order to hide their poor reading abilities. But all the time, they carry a negative image of their academics:

•They may be inattentive in schools, absentminded, lost, and incoherent and out of line with school curriculum in general. They may also indulge in anti social behavior. Reading and comprehension tests in schools may also cause problems. These problems can occur more because of visual impairment and

•They fail to follow directions.

Dyslexia Treatment

It is generally believed that there is no ultimate and permanent cure for dyslexia. Since their skills are vastly different than the majority of children, the primary responsibility for correcting their learning deficiencies rests on them. They have to apply themselves though conditions will have to be created for facilitating their tasks. They have to learn appropriate learning strategies.

Dyslexia can be considerably tackled with proper therapy, training and equipment. If dialectic disabilities are not tackled properly by age 12, those children may never obtain a positive self-image. They may completely drop out of school. Therefore, it is important that dyslectic conditions are recognized and addressed to at a very early childhood age.

Educational one to one tutoring is considered to be the most effective treatment for dyslexia. Here the stress should be on building phonetic decoding skills. This often involves breaking words into their basic sounds and rearranging these sounds to produce different words. This can improve their reading decoding skills.

Another treatment can be through molding tutorial lessons appropriately by developing modules and other software. In fact, there are lot of aids and software available in the market for correcting dyslectic conditions.

It is suggested that musical training can also aid in remedying dyslexia.

Though in severe cases of disruptive behavior from dyslectic children, medication is prescribed, it is the dyslectic or learning disabilities that need to be tackled in the first instance.

Following measures can also be undertaken in addition to the above:

•It should be tackled jointly by parents, teachers and experts:

•Experiences in different countries and schools should to be shared:

•It is extremely important that a dyslexia child is closely associated and his cooperation sufficiently obtained:

•Dialectics need a lot of psychological attention, understanding and guidance:

•Proper attention has to be paid to teaching, to make it structured, cumulative and systematic: and

•Extra reading will also help a child to fight dyslexia.

Many charitable organizations around the world have also come forward to lend support in tackling dyslexia by funding, training and equipment.

Lot of research has been done internationally on the subject. International Dyslexia Association has also been in the forefront of dyslexia treatment.

MoD Report says UFOs Do Not Exist in the UK- Some British Pilots and Military Members Might Disagree

2007-04-30T15:36:00.001-07:00

According to a once secret report released by the British Ministry of Defense in April of 2007, UFOs are not anything to get excited about. The MoD report claims that all the incidents they have investigated show the objects in question to be without mass, no danger to air traffic and not under intelligent control. Despite the four hundred pages of nay saying, not everyone agrees.

For almost two decades, a number of British Intelligence Analysts and former UK Military consultants working for the MoD have leaked documents which reveal that UFOs are intelligently-controlled vehicles of extra-terrestrial origin. The MoD leaks, recent reports that former Canadian Prime Minister Paul Martin saw a UFO from his aircraft in 2004 and statements from other Canadian officials which indicate UFOs are alien spacecraft may be the reason for this latest piece of disinformation.

While the MoD may believe that there is nothing to this whole UFO thing, they might have considered checking with at least two UK Commercial Airline Pilots that recent saw one. Captain Ray Bowyer, 50, of Aurigny Airlines, spotted a "bright-yellow light" 10 miles west of Alderney at about 3pm during a flight from Southampton while his aircraft was 30 miles from the island at 4,000 feet on Monday, April 23, 2007.

Captain Bowyer: "It was a very sharp, thin yellow object with a green area. It was 2,000ft up and stationary. I thought it was about 10 miles away, although I later realized it was approximately 40 miles from us. At first, I thought it was the size of a [Boeing] 737.
"But it must have been much bigger because of how far away it was. It could have been as much as a mile wide."

While on approach to Guernsey, Bowyer noticed a "second identical object further to the west". He said: "It was exactly the same but looked smaller because it was further away. It was closer to Guernsey. I can't explain it. At first, I thought it might have been a reflection from a vinery in Guernsey, but that would have disappeared quickly. This was clearly visual for about nine minutes. As I got closer to it, it became clear to me that it was tangible. I was in two minds about going towards it to have a closer look but decided against it because of the size of it. I had to think of the safety of the passengers first. I'm certainly not saying that it was something of another world. All I'm saying is that I have never seen anything like it before in all my years of flying."

Bowyer reported the incident to Paul Kelly, 31, an Air Traffic Controller on duty. Kelly indicated that nothing appeared on his radar. However, ATC Paul Kelly received a "similar report" from a Blue Islands pilot en route to Jersey at the same time. Kelly explained that as the pilot went past Sark he "described an object behind him to his left". Kelly continued: "The description was very similar to Captain Bowyer's and they described it as being in exactly the same place. But they were looking at it from opposite sides." The other pilot said that the UFO was 1,550 feet lower than his aircraft, which was at 3,500ft. "Both pilots placed it at the same altitude", Kelly added.

In 1987, I published a phone interview that I did with an official for the British Ministry of Defense in The New York UFO Report. The official was an assistant to a person involved with nuclear investigations. Because I knew the person which arranged the phone interview very well, there was no doubt that I was speaking with a very important source of insider information when it came to the MoD.

The official told me that there were numerous incursions into areas where nuclear weapons and other sensitive materials were stored. These incursions involved unidentified aircraft and physical beings of unknown origin. He refused to elaborate about the beings fearing that any further descriptions might help identify him. According to him, general stories about the creatures and crafts that made the incursions were common knowledge to many in the MoD. Recent statements by Nick Pope may have helped to validate those stories.

In November of 2006, Nick Pope (the former head of the MoD UFO research project) told the British Press that his Country was vulnerable to invasion or infiltration by extra-terrestrial forces. Pope felt that the shutting down of UFO research at the MoD Directorate of Defense Security has left his nation unprepared to defend against Aliens. As a result, he resigned his position with the Directorate. On previous occasions he has stated that the MoD wasn't hiding anything from the British Public. I wonder how he feels now?

My own source at the MoD said that the organization was of two minds when it came to UFOs. Many UK Military Officers feel there is ample evidence to believe that Aliens exist and are visiting the Earth without respect for national boundaries or security. That makes them a national security concern. Others at the MoD believe the entire matter is without merit and should be ignored.

Time either heals all wounds or wounds all heals. In this case, time has been a friend to my source. Over the past twenty years since that interview with him, I have watched the UK Government split hairs over UFOs. When the UFO incident took place near the Bentwaters Base and NATO Facility in 1980, it was confirmation that UFOs are making incursions into security sensitive UK military facilities. The aftermath also revealed a clear split among military members and their hierarchy when it came to the subject of UFOs.

Officially, it seemed that no one was really sure what happened at Bentwaters. Everything from Light House Beacons to reflective tree bark was rolled out to explain away the incident. But most of the people on the ground when it happened seemed convinced this wasn't an ordinary event involving a conventional explanation. As with Roswell and hundreds of other cases involving military bases, aircraft, ships and UFOs, you had the choice of believing those who were there or people writing reports about it later to suit there own political and philosophical needs.

Even if you have spent just a few minutes researching UFOs and have an open mind, will not be fooled by the MoD Report. As with other self-serving documents like the 1997 Air Force Report on the Roswell Crash and the recent UFO files released by France, these papers are designed to create doubt and mask any other information government agencies possess about UFOs and Aliens.

Emergence Personality Theory - What Are Needs? (What is Layer 7?)

2007-04-29T09:36:00.001-07:00

In Emergence Personality Theory, there are ten nested fractal layers of personality, from Layer one on the outside to Layer 10 at the center. Layer Seven is called the Layer of Needs. How is the word "need" defined?

As defined in Layer Seven, the word "need" refers to the urges babies feel from birth onward whenever they feel needy. Moreover, all these urges fall into just four fractal patterns of nested subsets; [1] the Four Character Types, [2] the Four Social Priorities, [3] the Four Decision Trees, and [4] the Four Gender Identities.

The inner most Need subset then, Character Type, defines a person's default sense of whether to give or receive or both. The next Need subset, a person's Social Priorities, defines the basic sense of what a person feels urges to give or receive. The third Need subset, a person's Decision Tree Order, determines the basic way in which peoples' minds process these urges to give or receive their Social Priorities. And the outer most Need subset, a person's Gender Identity, determines the degree of force with which this person feels urges to express this giving or receiving.

Expressed as a single sentence then with all four possible needs stated, we all need to give (or get), comfort (or neatness, or understanding, or freedom), precisely (or correctly, or comprehensively, or bluntly), with great (or little) physical force (and / or psychological force, and / or social force, and / or sexual force).

How then does does a person's Character Type affect his or her nature? My answer? All people feel internal urges to give or get or both. The thing is, people feel these urges only when they are experience the need to compete with someone else for these needs, a state known as being in a mutual need state. In these situations, people feel anxious about that both they and someone else have what they sense to be mutually exclusive needs. Mainly time wise, but sometimes need wise.

This means, when only one person feels needy, the other may give regardless of their Character Type. And when two people are connected, there Character Types cease to exist as they do not feel needy.

This said, there are four basic Character Types and two ways in which to refer to each of these four basic types; [1] by the number year of life in which this pattern naturally occurs ( as in, year One, Two, Three, and Four), and [2] by the direction in which people feel urges to meet these needs, in other words, to whom they feel urges to give to (to "Me," to "You," to "Me then You," and to "You then Me.")

Know too that people experience their normal Character Type only when they are in normal state of conscious. Thus when they are in shock, peoples' Character Type "inverts." This means there are also four "Inverted" Character Types, and people feel these four states more forcefully, as in they feel these urges to give or get under duress.

How does this affect the four normal Character Types? Normally a Character Type "One"; a "Me," feels it right and certain that people should give to them. They simply expect others to defer to them. However, when life throws them a curve and their Character Type inverts, they feel urges to demand they be given to and will sometimes do things to force others to give to them.

Conversely, when a Character Type "Two"; a "You," feels normal neediness, they feel gentle urges to give to others. Imagine? When they feel needy, they feel urges to give to others. However, when they experience the inverted "You" state, they feel compelled to give to others and will force these gifts on people. Not too comfortable for the other person.

Threes and Fours then feel similar things, only the order in which they feel urges to give or get reverses. Thus a normal Character Type "Three"; a "Me then You," when inverted, feels compelled to first give to others followed by demanding that others reciprocate, while an inverted Character Type "four"; a "You then Me"; feels urges to demand others meet their needs followed by urges to force others to receive from them.

Finally, here are the basic points to know and remember about Character Types:

Character Type is the first difference in human personality. This difference contrasts markedly from the one sameness we humans all share; the Birth Separation Moment.
The essence of this first difference is whether you feel urges to meet your own needs or the needs of others. Thus there are two basic Character States; State One, urges to get (the "Me" State), and State Two, urges to give (the "You" State). These two states then sort out into the four Character Types. In other words, all four Character Types derive from some combination of one or both of these two Character States, the "Me" State and the "You" State.
By the latest age four, all people will have developed a fixed Character Type. In other words, by age four, all people will have has a permanent Character Type emerge in them, a default state of giving or receiving which will remain unchanged in them across their whole lifetime.
Despite this permanence however, some people will emerge from childhood stuck in an in between Character Type, and this amounts to being lost in transition between their real Character Type and the previous type. Thus some Three's can look like inverted fours. And some Two's can live as "Self Centered Two's"; a cross between One's and Two's. This can change across a person's lifetime and is mostly affected by personal growth.
People can experience their Character Types in two ways, in a normal state of consciousness and in various states of shock. In states of shock, peoples' Character Type inverts, similar to how kayaks sometimes invert in rough water and put their rider under water. The feeling of having an inverted Character Type is then similar to what kayak riders feel when their kayak inverts. Strong feelings of urgency and a reversed directional focus.
All people experience relationships in only one of two ways; [1] as a Parent - Child relationship and [2] as a Friend - Friend relationship. All Parent - Child relationships exist between people whose Character Type begins in opposite Character States. A "Me" with a "You" and so one. All Friend - Friend relationships exists between people whose Character Type begins in the same place; a Me" with a "Me" or a "You" with a "You."
All normal pairs of parents contain one parent who starts in a "Me" state, and one who starts in a "You" state. Thus, all children, during their first four years of life, potentially switch roles which their two parents. Thus, all babies begin life as "One's." Thus the "Me" state parent with bond best with the child at this age. Then, if and when this child moves into the second years of life state; "the You" state, the parent he feels friendship toward and the parent whom he feels parented by will reverse. In some cases then, these two parental roles, as the "parent" parent and the " friend" parent, can reverse several times.
Ultimately all children develop a relationship with one parent in a parental role and one in a friend role. This difference then is the source of many parenting difficulties. And confusion in children. Knowing this makes sense of why parent to parent compromises can be difficult.
In adulthood, all lasting sexual attraction will occur between people with Character Types beginning in opposite states. One person whose Character Type begins in a "Me" state and one person whose Character Type beings in a "You" state. This is the most primal version of the saying "opposites attract." This also explains why people can see someone they find someone who is "perfect in every way and yet, not feel sexually attracted to that person. In other words, if your Character Type starts in the same place, trying to fit together romantically will be like trying to fit a plug into a plug or a socket into a socket. It just can't be done.
This said, people who meet under strong duress, such as during wars and major catastrophes, may fall out of love when the dust settles. Or they may end up more friends than lovers. This can also happen to people who fall in love with someone whose childhood left them with an Inverted Character Type. Thus, if this person goes to therapy, the attraction and thus, the relationship may end.
This same dissolving of the relationship can happen to people in friend relationships. Thus, if a person experiences their teens with an unfinished Character Type, the friendships they make in high school may end soon afterwards. Sometimes in college when the person comes into her own. And sometimes after a crisis wherein she emerges more her own woman.
Finally, all these ideas hold true regardless of a person's sexual orientation. gay, straight, or bi, all these concepts play out in the same fractal patterns. Except when people are in Layers 10 or 9 (connected), or in Layer 8 (disconnecting), in which case, Character Types cease to exist.

[To read the rest of this article, click here]

Flying Trucks of the Future

2007-04-27T18:45:00.001-07:00

Are flying trucks really possible? And if so what on Earth would they look like? Believe it or not there are folks that study anti-gravity concepts and manipulation of the forces of nature trying to figure out such things as trying to build a flying car such as the one depicted in the Famous Hollywood Movie Back to the Future.

Remember when the Flying Delorean with the "Flux Capacitor" flew around in the movie? And all the cars flew too, all thru the Back to The Future II. Well what if all the semi trucks could fly and then they would not be blocking traffic? They would simply take-off and fly to where ever they had to deliver too?

Believe it or not there are some type scientists working on all this right now and they are getting very close to a major breakthrough perhaps this year? One gentleman, Bill Butler of www.HoverTech.com and his team have been working on such theories and techniques for many years and come up with some plausible solutions to the challenge.

In fact, they have indeed built a few prototype models as well. In the eBook on page 34, from the Online Think Tank you will find some of the concepts that are potential feasible once science learns more: http://www.worldthinktank.net/pdfs/hoverboards.pdf .

What I am saying is that although right now this is all science fiction fantasy, it might not be for long. You can bet that a Flying Truck would be a hot ticket and a must have for any Commercial Trucking Company and just think, you would have to get a Pilot's License instead of a Commercial Driver's License to drive-fly one.

Can We Build an Aircraft with an Organic Wing?

2007-04-25T17:58:00.001-07:00

Not long ago an interesting email came in to the Online Think Tank by a gentleman serious about building an organic winged aircraft. But could it actually be done with current technologies? Indeed, I have been thinking on this organic aircraft skin idea and well here it goes;

Grow Cells in a dish and then in huge sheets and layers, similar to growing skin for burn victims. Paste them onto Carbon nano-tube sheets with copper atoms inside of the nano-tubes. Coat the carbon nano-tube sheets with graphene on the outside. The Carbon Nano-Tube will be 30 layers thick.

On the inside are layers of organic cell in sheets pasted with dried or evaporated blood like they use in plywood, next a layer of porous spongy substance that will be soaked in needed nutrients and oxygen to keep the cells at their organic peak and very happy.

We then configure the resonance of the copper atoms in the nano-tubes to bounce at near Earth Frequency, pleasing to the genetic displacement of the organic cells. We allow the friction from the movement of the aircraft (remember it will be incredibly light-weight) to trade electrons with the air-flow over the wings/body of the aircraft, use that static electricity to bounce the copper atoms for power and the conductivity of the aircraft and morphing of the body as needed for various speeds of flight or hover.

We will also increase the air over the wings-body thru "eddy vortex flows" strategies by way of aerodynamic design stemming from protruding leading edge devices. We will then use the cells to connect to an organic brain of some type? Eagle, Mouse, human, Dolphin, Chimpanzee, etc for basic decisions.

The cells will have energy from the vibrational frequency to run LED circuits and systems and interact with the brain and organic system to morph as needed for flight. The aircraft will not only have organic components as part of its super structure, but in essence it will be alive in a way.

Using material memory strategies as the craft picks up in speed the shape will morph due to more electrical stimulation from the static electricity. So that is the concept in a nut shell, of course it is a lot more complicated than that, but this is a short article and that's it.

Debris Found From 1947 Air Force Crash Adds To UFO Mystery

2007-04-24T05:15:00.001-07:00

Wreckage from the first crash of an Air Force Aircraft on August 1, 1947 seems like something that only the military might be interested in. Or maybe not. Much of the original wreckage was left to rust in the forest and no recent attempts have been made to relocate or recover it by any branch of the Military. Instead, civilians have been looking for pieces from the crashed B-25 for years. That's because the crash site near Kelso, Washington, may contain material that's simply out of this world.

After ten years of searching, Jim Greer located pieces from the B25 in a ravine near Goble Creek east of Kelso. He has turned some of the material over to the Museum of Mysteries in Seattle. Their interest is in the paranormal aspects of the crash. That's because the aircraft was carrying two Officers that participated in the investigation of a Washington UFO incident and material from that investigation.

1947 is a memorable year for UFO enthusiasts. The saucer sightings by Kenneth Arnold in the State of Washington and UFO crash or crashes in New Mexico tend to dominate our attention. It's easy to forget that over 850 sightings of a credible nature were reported by U.S. Newspapers. These include amazing events alleged to have occurred near Maury Island in Washington. Real or imagined, those events and their aftermath reveal a stunning cover-up that has never been fully investigated or explained.

Harold Dahl, his son Charles, the family dog and two crew members were on a patrol boat looking for salvage logs in the Puget Sound on June 21, 1947. They were just off Maury Island (today called Vashon Island) when the UFO incident began. The group witnessed six 'donut-shaped' craft above their position. Harold said that the objects were about one hundred feet in diameter and had a 'bright metallic' appearance.

Five of the crafts were circling a sixth which Dahl said was 'wobbling' and seemed to be in distress. After some sort of an explosion, the sixth craft discharged a large quantity of debris. The debris resembled cooled volcanic lava, had an aluminum-like appearance and fell in the form of large flakes. These flakes hit and damaged their boat, injured Charles and killed the family dog. Afterward, all the objects rose rapidly into the sky and took off in the direction of the ocean.

Dahl headed to Maury Island where he stopped to assess the damage to his boat and take photos. Finding more debris, he collected it and then proceeded to Tacoma. After taking his son to the emergency room, Dahl reported the entire incident to Fred Crisman, the harbor patrol supervisor. Crisman didn't believe him, so he returned to the area on Maury Island which Dahl described.

Crisman found what seemed like tons of the strange material along the shoreline. While picking up some of it, he said that an object appeared and dropped more. Meanwhile, Dahl was visited by a "man in a dark suit" the next day. The man told Dahl that he saw something he was not supposed to see and warned him not to discuss it.

Just three days after the Maury Island incident, Kenneth Arnold reported seeing a formation of strange looking objects traveling at incredible speeds near Mount Rainer, Washington. Because Arnold was a former military aviator and well-respected private pilot, the press jumped all over his sighting. Arnold was later contacted by Ray Palmer, editor of Amazing Stories. The two discussed his sighting, became friends and forged a working relationship.

United Airlines Captain E. J. Smith was a friend of Kenneth Arnold, but initially skeptical of his sighting until he had one of his own. During a flight from Boise, Idaho, to Tacoma, Washington on July 4, 1947, Smith noticed a formation of saucer-shaped objects near his aircraft. They first appeared just after 9pm, then vanished and reappeared several times for over forty-five minutes. Captain Smith, Co-Pilot Ralph Stevens and Stewardess Marty Morrow all saw them.

The importance of the Arnold and Smith sightings cannot be stressed enough. These witnesses were experienced pilots, not starry-eyed civilians looking at something in the sky that a trained observer might immediately recognize as commonplace. That would make any opinions they had about the Maury Island UFO incident all the more important.

Their involvement began with a letter to Ray Palmer from Fred Crisman. Palmer quickly contacted Arnold and asked him to investigate the Maury Island story. Arnold agreed, but asked Smith to help. He also contacted the military and requested that they send investigators to be present during the initial interviews.

Arnold and Smith arrived in Tacoma and met with Harold Dahl at the Winthrop Hotel on July 31, 1947. Also present were a Captain Davidson and 1st Lt. Frank Brown. Crisman showed up with cereal boxes filled with material from the Island which he presented to the Military Officers. In a hurry to return to Hamilton Field for Air Force Inauguration Day, Davidson and Brown left the hotel just after midnight. Air Force Inauguration Day was the day that the Air Force officially became a separate branch of the military.

After the session with Dahl was completed, Arnold returned to his hotel room. He almost immediately received a call from Ted Morello, a United Press reporter. Morello seemed to know everything that went on in the hotel room where the impromptu investigative had taken place and wanted a comment about it. Arnold was upset and suspected a hidden microphone had been used to obtain the information. That wasn't the only surprise Arnold was to experience during the next twenty-four hours.

According to witnesses, Captain Davidson and Lt Brown boarded a B-25 with a box of material from their investigation and took off from McChord Field with two other crew members. Shortly afterward, their left engine caught fire and the fire fighting system malfunctioned. After ordering the other crew members to bail out, Davidson and Brown were trapped when the aircraft began to collapse around them. Both perished in the crash.

This was the very first crash of an Air Force plane because it happened on the day that the Air Force officially separated from the Army. It's ironic that the crash may have been directly linked to the UFO phenomenon. An article in the Tacoma Times claimed that the B-25 was shot down by a 20mm canon or sabotaged to keep the material salvaged from the Maury Island event from being examined at Fort Hamilton.

After the B-25 crash and the Men in Black incident involving Dahl, the two witnesses became concerned for the safety of their families. When Arnold and Smith came to view the boat that Dahl said was damaged by the falling debris, Captain Smith expressed some doubts. He felt that repairs on the vessel were inconsistent with the kind of damage that was originally reported.

Rather than explain that whole sections were replaced, Dahl simply told Smith that he was no longer going to cooperate with the investigation and just wanted to be left alone. Some reports say that the two witnesses admitted it was all a hoax, but neither Dahl or Crisman ever admitted making such statements. Another report said that the material Dahl and Crisman presented to the investigators was just worthless slag from a local smelter.

Apart from the fact that there was nothing in it for Dahl or Crisman to create a hoax and both had more to lose than gain, there is some evidence to support their side of the story:
- FBI Teletype from J. Edgar Hoover, 8/14/47: "It would also appear that Dahl and Crisman did not admit the hoax to the army officers…"

- Return Teletype to Hoover from Special Agent George Wilcox: "Please be advised that Dahl did not admit that his story was a hoax but only stated that if questioned by authorities he was going to say it was a hoax because he did not want any further trouble over the matter."

- In the January 1950 edition of FATE Magazine, Fred Crisman called allegations that he admitted the case was a hoax a "bald-faced lie."

- Neither Ray Palmer or Kenneth Arnold ever said the case was a hoax.

Even stranger were the events that occurred after the investigation by Arnold, Smith, Davidson and Brown:

- The crash of the B25 is surrounded by allegations of sabotage or downing by friendly fire.

- The crash of Kenneth Arnold's airplane under mysterious circumstances on August 3, 1947. He was almost killed and later claimed his aircraft had been sabotaged.

- The untimely and mysterious death of Paul Lance, the Tacoma Times Reporter who claimed that the B25 might have been purposely brought down by government operatives. He died two weeks after the article appeared in print. No actual cause of death could be determined.

- The sudden death of Ted Morrello, the United Press reporter who called Arnold just after the Dahl Meeting claiming full knowledge of the proceedings.

- The closing of The Tacoma Times which went out of business shortly after the article about the B25 was published.

Unlike most hoaxes, the Maury Island UFO incident is not unique among sighting or physical evidence cases. The scene originally described by Dahl has been repeated many times. Several objects are seen together, one crashes or is in distress and others assist. Strange material is ejected, dropped or simply deposited. The material can be metallic, fibrous or even biological. There are many reasons for anyone interested in UFOs to take a second look at this case. Including the military response to the crash.

Robert Davenport of Kelso, Washington, was one of the first people to view the B-25 crash site. He said that small fires were still burning due to all the unused fuel when he and a few others found the wreckage. When the military arrived they expelled everyone, sealed 150 acres around the crash site and took over the area for about a week. They used part of Davenport's land as a base camp.

Despite combing through debris and moving some larger pieces to an open field for further inspection, the bulk of the crash material was left behind. This seems strange for an investigation involving the very first crash of an Air Force plane. It appeared that they were more interested in looking for something in the aircraft than trying to determine the cause of the crash.

It's doubtful that the validity of the Maury Island UFO incident will ever be resolved to anyone's satisfaction. It's also unlikely that any of the material from that event will ever be recovered from the B-25 crash site. However, it's important to remember that Maury Island occurred before the Arnold sighting, before Roswell and is certainly surrounded by unusual circumstances and unresolved issues. Whether the actual sighting occurred or never happened, you have to be amazed by the response of the government within a government.

Orbs, Plasma Spheres and Bindus

2007-04-17T18:31:00.001-07:00

The Physical-Etheric Nucleus

Each subtle body has a nucleus – which metaphysicists Charles Leadbeater and Annie Besant had described as a "permanent particle" almost a century ago. Leadbeater calls the nucleus of the higher etheric double a "physical-etheric atom". Information about the relevant subtle body is stored in this particle (its composition, frequency, structure and associative memories). In this way the experiences that the subtle body has gone through in this universe are stored or are linked to this nucleus – according to Leadbeater and Besant. The particle is analogous to DNA in the biomolecular body. DNA is referred to as a "bioparticle" in the medical literature and it stores or links vast amounts of information about a particular life-form. Hindu metaphysics describes these particles or nuclei as "bindus" and Tibetan yoga "drops".

The physical-etheric nucleus is transferred to higher energy bodies when the subtle body dies – serving the same purposes as a "black box" flight recorder in an airplane in preserving information about a particular life's experiences. This nucleus is also responsible for the life review in a near-death experience. According to Besant, the permanent particles are used to preserve within themselves as "powers of vibrations" (i.e. different frequencies and waveforms) the results of all experiences through which they have passed. By the end of one's life in the physical body, the permanent particle (or physical-etheric nucleus) would have stored up "innumerable powers of vibration" (i.e. a set of waveforms of different frequencies). The particle usually resides (probably in an electromagnetic well) around the heart region of the physical-biomolecular and lower physical-etheric body.

Plasma Spheres

Bohm, a leading expert in twentieth century plasma physics, observed in amazement that once electrons were in plasma, they stopped behaving like individuals and started behaving as if they were a part of a larger and interconnected whole. Although the individual movements of each electron appeared to be random, vast numbers of electrons were able to produce collective effects that were surprisingly well organized and appeared to behave like a life form. The plasma constantly regenerated itself and enclosed impurities in a wall in the same way that a biological organism, like the unicellular amoeba, might encase a foreign substance in a cyst. So amazed was Bohm by these life-like qualities that he later remarked that he frequently had the impression that the electron sea was "alive" and that plasma possesses some of the traits of living things.

David Cohen reported in the journal New Scientist that "plasma blobs" hint at a new form of life. In 2003 physicists, Erzilia lozneanu and Mircea Sanduloviciu, described in their research paper Minimal Cell System created in Laboratory by Self-Organization, how they created plasma spheres in the laboratory that can grow, replicate and communicate – fulfilling most of the traditional requirements for biological cells. They are convinced that these plasma spheres offer a radically new explanation of how life began and were precursors to biochemical evolution.

Each plasma sphere had a boundary made up of two layers – an outer layer of negatively charged electrons and an inner layer of positively charged ions. The researchers were quick to point out that a distinct boundary layer that confines and separates an object from its environment is an important characteristic of a living cell. Trapped inside the boundary was an inner nucleus of gas atoms – which was surrounded by a luminous sheet. An electric field was present between the boundary and nucleus, within which electrons are accelerated. The evolved sphere appears as a stable, self-confined, layered, luminous and nearly spherical body – much like the "orbs" described in the paranormal literature and discussed below.

Lozneanu and Sanduloviciu describe a rhythmic "inhalation" of the nucleus which mimics the breathing process of living systems and results in pulsations. The spheres could replicate by splitting into two. Under the right conditions they got bigger, taking up neutral argon atoms and splitting them into ions and electrons to replenish their boundary layers. Finally, they could communicate information by emitting electromagnetic energy, making the atoms within other spheres vibrate at a particular frequency. "This is no different from the vibrating diaphragm in a telephone which enables information to be communicated from one point to another," says Cohen. This gives plasma spheres an ability which would be described as telepathic if we did not know how electromagnetic waves worked.

According to Sanduloviciu, these plasma spheres were the first cells on Earth, arising within electric storms, and he believes that the emergence of such spheres is a prerequisite for the evolution of biochemical cells. He says that the cell-like spheres could be at the origin of other forms of life we have not yet considered. "There could be life out there, but not as we know it" he says. Indeed, according to plasma metaphysics, the subtle bodies and orbs (described in the metaphysical and paranormal literature) are plasma-based life forms. The plasma spheres resemble biological cells – with a nucleus, membrane and intelligent motion.

In 2004 (as reported in the Physical News Update by Phil Schewe and Ben Stein) an experiment was conducted where particles in a plasma crystal arranged themselves into neat concentric shells (or rings - from a two-dimensional perspective), to a total ball diameter of several millimeters. These orderly Coulomb balls, consisting of aligned, concentric shells of dust particles, survived for long periods. (Dark matter halos around galaxies also have similar structures.) This structure was described as an "onion-like architecture".

Orbs

Paranormal analyst, Allan Danelek (in his book The Case for Ghosts) says, "One could think of orbs as 'tiny ghosts' moving around a room, their essence being contained within a tiny sphere of pure energy, like air inside a bubble." This description could easily fit into the description of life-like plasma spheres generated in the laboratory by Lozneanu and Sanduloviciu. Furthermore the pulsating plasma spheres would also give readings of a fluctuating electromagnecitc field.

"Nine times out of ten, if a mysterious field is constant and stable, it's artificial; if it fluctuates erratically, it's paranormal." - Joshua Warren, Ghost Hunter

According to the paranormal literature "orbs" are light anomalies that appear on photographs and video as spherical balls of light but as flashes of light to the naked eye because of their rapid speed of motion. They exhibit intentional behavior – suggesting some consciousness or awareness of the environment. Orbs often travel in groups or clusters i.e. they exhibit swarm behavior – also a characteristic of particles in plasma – a characteristic observed by Bohm (see above). Orbs also can dart back and forth rapidly like amoebic life-forms in a Petri dish. The balls can be transparent, translucent or in a bright solid form. These are signature features of magnetic plasma which has the natural property of being able to change its degree of opacity when internal frequencies change. Magnetic plasma would also allow orbs to change their output of light or luminosity.

Looking at these balls in close-up reveals that they possess an onion-like layered structure i.e. they have concentric shells – a signature feature of plasma crystals. Danelek says, "…'true orbs' do not reflect light the same way a dust particle or flying insect does, but are instead generally more opaque and, in some cases, even appear to have rings within them." Experienced ghost hunter Joshua Warren (in his excellent book How to Hunt Ghosts) says, "Often, orbs appear to have a nucleus, just like a cell. The nucleus might be surrounded by 'bands' – concentric circles emerging from it. In fact, it might appear like an onion that's been chopped in half." All these characteristics are almost identical to plasma spheres and plasma crystals generated in the laboratory.

Some believe that an orb is a human soul or the life force of those that once inhabited a physical-dense body. Psychics claim to be able to communicate with them on a regular basis, and ghost hunters encounter them quite frequently in photographs and video. It is thought that they are conscious spirits that have stayed behind because they feel bound to their previous life or previous location for whatever reason – a typical characteristic of "Earth-bound" physical-etheric ghosts.

Interactions with Ordinary Matter

Orbs resemble plasma spheres in many ways. However, while plasma spheres generated in the laboratory are composed of standard particles (i.e. the particles described in the physicists' Standard Model currently), orbs are composed of super (i.e. supersymmetric) collisionless dark matter particles. This allows orbs to pass through objects and walls (just like ghosts).

Dark matter in the physical-etheric universe can only interact with ordinary matter if their energy levels temporarily fall and ordinary matter condenses around them. Warren believes that since ghosts have an electrostatic field, it makes sense that particles from the atmosphere would be trapped in the field. This would form a tiny clump of particles that betrays the presence of the ghost. He says that, based on readings on electromagnetic meters during paranormal investigations, paranormal orbs carry a charge of static electricity. Dr Michael Persinger, a lab-based parapsychologist, and his colleagues demonstrated a link between strong or varying electromagnetic fields and orb activity. Orbs are also said to travel along Birkeland currents (i.e. ley or energy lines). This is another characteristic of their electromagnetic nature – which suggests that they are composed of magnetic plasma which is a good generator of electromagnetic fields and a good radiator of electromagnetic waves.

According to Warren, orbs are most active in the deep infrared region. In 1983, physicist Pierre Sikivie proposed a technique to detect invisible dark matter particles called "axions". His technique called for a high "Q" microwave cavity, permeated by a strong static magnetic field. In the magnetic field, axions were expected to convert into microwave photons. Microwaves are in between the infrared region and radio waves in the electromagnetic spectrum. If ghosts are composed of dark matter particles, it can be hypothesized that they too would generate infrared radiation in the presence of a strong magnetic field and even radio waves which can be received by our radios.

Conclusion

According to plasma metaphysics, (genuine) orbs are the physical-etheric nuclei that are released from dying persons. Most of these nuclei exit-out of our universe through vortexes after the death of the higher physical-etheric body and are absorbed into the next higher energy body in the next universe – most frequently what metaphysicists describe as the "astral body" and the "astral plane or sphere". However, some stay behind because of unfinished business or some psychological attachment to the physical life that just ended. These are the (genuine) orbs that we see in photographs and videos. This conclusion is consistent with the theory of some paranormal investigators that spirits may find it easier to travel from one dimension to another in the form of orbs which can move more easily (than full-blown subtle bodies) through vortexes to another universe.

A number may also get reabsorbed into human embryos to start a new life in this physical-dense universe (i.e. they reincarnate in a physical-dense body). They grow with the embryo and facilitate the morphogenesis of the physical-dense and lower physical-etheric body. As they grow they absorb more energy and particles from the ionized (physical-etheric) environment and eventually become full-blown ovoids with "subtle bodies" inside. In this particular case, the subtle body will be the (higher) physical-etheric body or the "physical-double".

During death, the ovoid contracts into the physical-etheric nucleus (by dispersing its contents) and is released from the dying physical body after traveling through a meridian (which is associated with the lower physical-etheric body) and exits from the head to emerge as an orb with a bright nucleus. Details of this process can be found in the author's book Our Invisible Bodies.

Project Montauk - The Time Travel Chronicles

2007-04-15T08:14:00.001-07:00

If you live in the suburbs of the New York Metropolitan area on Long Island, you're constantly under the influence of historical places, legendary tales, paranormal hotspots and a huge Government Contractor presence. I lived in Nassau County which has more than its share of historical places, haunted houses, frightening legends and UFO sightings. But if you want lots more, just head out east to Suffolk.

It was during my first visit to the historic Montauk Lighthouse that I noticed the huge radar dish which immediately identifies the Montauk Base. I must have been about eight years old and remember asking my parents about the monstrous structure. My father said it was part of a system to detect incoming enemy aircraft or missiles. As a retired Air Force Officer, he would know about that. However, I'm certain that he had no idea what future (or past) events would give that base such an infamous reputation.

I had plenty of friends that worked in the Long Island technical community. During the days of the Cold War, those jobs were everywhere if you qualified. Part of qualifying sometimes meant having a parent or other relative already on the inside. David was a good example. His father worked for the government or government contractors since the days of the Second World War. That helped David put his engineering degree to good use for the same company where his dad worked until his death a few years back.

I thought I had a good working knowledge of the Philadelphia Experiment up until 1987. After years of researching it and speaking with second and third hand witnesses, I was about to get a bit closer. David asked me to come and give a lunchtime talk about UFOs for his coworkers. His company sponsored these midday events once a month for employees who cared to attend. It was all about lessening stress in a very stressful work environment.

After discussing UFO reports and sightings on Long Island for about fifty minutes, I asked if anyone had comments or questions. There were plenty. Most came from people that had seen UFOs themselves. For some reason, there weren't many skeptics in the room. One guy asked me about the Philadelphia Experiment. In turn, I asked if everyone in the room was interested enough in the subject for me to spend another twenty or thirty minutes talking about it? They were.

I gave the group a kind of thumbnail sketch about the infamous World War II Navy project, then proceeded to explain how a simple program to degauss battleships turned into a massive project to make ships invisible. I explained how there was credible evidence to believe that scientists and engineers working out of Princeton under Einstein had actually made a ship invisible and opened a sort of space time portal during a series of experiments.

The experiments took place in the Philadelphia Naval Shipyard and along the east coast of the United States. The trial and error process saw a test crew placed aboard a battleship escort vessel for sea trials of the new technology. A technology which didn't always work correctly costing lives and creating more questions than answers.

David called later that night to thank me for speaking at the lunchtime event. He said everyone that came to the event talked about it for the rest of the day and those that didn't attend, wish they had. I thanked him and admitted that I came away with as much information as I had imparted in terms of UFO sightings. After some friendly chatter, he invited me to his house on Saturday and said he had wanted to discuss something about my investigations. He asked if I would come alone and I agreed.

Saturday arrived and found me standing at David's door around two in the afternoon. He opened the door and invited me in. My friend looked spent. I sat down in his living room and waited while he ran down to the basement to get something. He reappeared moments later with a large lockbox, opened it and handed me an old photo album. I asked him if I could run my cassette player. Knowing I was terrible at taking notes, he agreed. I would have to turn it off when he told me. Then he dropped the bomb.

"I wanted to tell you about my father, ah, after he passed away. It was, ah, ___. I didn't know anything about it before that." David stated. "I was worried about getting both of us in trouble, you know? Now I want someone else to know, ah, somebody. I guess it's your lucky day." I began looking at the album. "My dad was at Princeton in 1940," he continued. "When you, ah, presented that information about the Philadelphia Experiment, I know he was involved with, ah, something at that time." He had my full attention.

"_____ (the family lawyer) gave me this lockbox. He didn't want any responsibility. He didn't have the key. It was at home hanging on a hook in the closet, you know? _____ instructed me to open the box at home."

I looked through the album while David spoke and noticed a number of photos of his Dad with Navy Officers. Before I could ask where they were taken, I recognized the Philadelphia Naval Yard Hospital in a couple of the pictures. By 1987, I visited that area a half dozen times.

"Ah, I opened the box and ___. There was a note on top of a photo album and journal. He didn't want anyone to know about all this. I think he would want you to know. I don't know. He was protecting me. I haven't told anyone, _____. If mom knew, she never said." David's mom passed away from cancer when he was just fifteen.

At that point he asked me to shut off the recorder and I complied. It was making him really nervous. David removed a small and very old leather bound journal from a fireproof lock box. While removing the cloth from around it, he told me to keep everything quiet. The idea was to point me in the right direction, but keep his father's information of the radar screen. I was fine with that and honored that agreement for as long as requested. He began to fill in the blanks.

His dad was a gifted engineer and had a knack for designing complicated machines and electronic devices. Radio and electronics were a hobby for him, but he was better at those things than most professionals. I assume both talents came in handy for the Philadelphia Experiment.

David asked me to listen while he read from the journal. It was a diary that his father kept during the early 1940s. He carefully chose sections that could be read, ignored others and explained that there were things he couldn't share with me. I understood and was grateful for what he was willing to reveal.

He read about ten hand-written pages. Although no names or specifics were mentioned, the diary did note that he was at Princeton working on a project special project during World War II. He was one of several young prodigies personally recommended by Albert Einstein and engaged by the Navy. They were developing a system of magnetic detection devices to protect our harbors against infiltration by ships and submarines. These would be part of a multi-faceted system which would include radar, hydrophones, magnetic detection devices and more. That was what they told him.

Everything changed when he arrived at the Philadelphia Naval Shipyard. The group from Princeton was told to develop a system which would demagnetize ships and make them radar invisible. David skipped over a lot. When he resumed reading, his father was in the middle of an experiment with one of the moored ships. There were no crew members on board, just several carefully chosen junior officers that acted as caretakers.

During the process of testing equipment, there was an accident. It looked as though one of the junior officers was electrocuted. He accidentally touched an open circuit while standing in the middle of an area filled with electronics and powerful magnetic fields. The power was shut down and he fell to the floor. When the technicians got to him, he had a pulse and didn't look burned. The young Officer was sent to the Naval Shipyard Hospital.

The junior officer was back with a clean bill of health a few hours later. David's father and another member of the team spotted him and headed over to see if he was alright. Before they could reach him, the young man entered a hatchway and vanished around a corner. The engineers didn't think much about it at the time because it was easy to lose sight of people inside a ship.

Several hours later, everyone was ready to call it day. The young officer was no where to be found. Despite a careful search through that ship and others in the area, he could not be located. The next day there was a more comprehensive search which turned up nothing. David's father and his associate were extensively questioned as were others that saw him enter the hatchway, but no blame was pointed in their direction. Those in charge already seemed to know what happened to him.

The Navy was satisfied that the junior officer didn't voluntarily vanish, was not a spy and probably fell overboard as a result of a belated reaction to the electrocution. That was the official position. It was more likely that the young man melted into the ship's superstructure or floated off into some ethereal realm. That situation was repeated on a larger scale during other attempts to test Philadelphia Experiment technologies.

David stopped reading and stared blankly at me. I didn't really know what to say. Sensing I was at a loss for words, he told me that this was the first and last time he would be able to share this information with me. I passed the photo album back to him; he placed the journal on top of it and carefully locked everything up in the box. I left with a million more questions than answers.

Sadly, David passed away a few years ago. His death was the tragic result of an auto accident and was completely unexpected. With no will or preparations in place, I asked his surviving relatives about any photo albums or a diary belonging to his father they might have found. They seemed genuinely surprised and said that no such items were found among David's possessions. I thought it wise not to pursue the matter. His death ended my agreement to keep the information he provided to myself.

A year after David's stunning revelation I met several people with similar stories. They are Al Bielek, Preston Nichols and Duncan Cameron. All three claimed involvement with projects once headquartered at the Montauk Air Force Station. These projects used technologies developed from the Philadelphia Experiment and involved invisibility, time travel, mind control, remote viewing and psychic war fare. After a lot of phone work, Bielek, Nichols and Cameron agreed to meet a small of group of people assembled to evaluate their claims and film their testimony.

Their revelations about the Montauk Air Force Station were stunning and their attention to detail was amazing. I listened to them for almost twelve hours and ended up with a good four hours of solid information non film. One of the people who came there with me was a technical writer with a great deal of government project experience. I asked him to evaluate the information and render an opinion. When the session was over, he went home and didn't call me for several days. When we finally touched base, he said that he was not able to sleep. He believed their story and it really troubled him. Without going in to detail, he said that it answered a lot of questions about strange things he came across over the years.

Stories of secret projects on Long Island didn't begin with Montauk. They go back over one hundred years and begin with tunnels allegedly built by Nicola Tesla. These underground passageways have been described as everything from tiny in certain areas to labyrinth-sized in others. They begin at Tesla's experimental Wardenclyffe facility (built in 1901) in the Shoreham area and extend outward. Officially, they are supposed to be just a few hundred feet long and a merely a foot wide. However, a number of people report exploring these tunnels when they were temporarily opened back in the 1960s.

The tunnel entrances and exits were being prepared for permanent closure and were sealed shortly afterward. According to those witnesses the underground passageways are huge and go on for miles in all directions. Tesla may have built these tunnels as energy collectors. Some contained huge copper wires connected to what looked like some sort of capacitors and ran in a wide circle to and from Wardenclyffe and other areas. Tunnels identical to these have been reported as far west as Middle Island, in a number of other areas and all the way to the south shore. Based on the way everything was set up, this was not an energy distribution system. If not, what kind of energy was Tesla trying to collect?

After Wardenclyffe, Tesla was suddenly interested in things like interplanetary communication and particle beam weapons. The special energies or power he appeared to seek on Long Island must have inspired him. These forces may still exist today and might be related to the time travel experiments at Montauk. I believe that the Philadelphia Experiment opened a time or energy portal that may extend back over a hundred years. That portal was created when the USS Eldridge became invisible and traveled through time and space.

Evidence of this comes in the form of an odd and modern looking warship that was spotted off the south shore of Long Island and in other places before and after World War I and during World War II. And there's more. If these energies exist, they would play havoc with the environment from a temporal standpoint. That may already be happening.

Montauk is a place where whole areas of trees just vanish. Others grow in a slanting position towards the direction of the base. Huge rocks and heavy objects appear to move from one place to another by themselves. UFOs and glowing lights are seen in the skies and just under the surface of the waters that surround it. The Montauk base always seems to be at the center of everything strange. Psychics and those sensitive to unseen forces claim to detect unusual energy fields.

When I first visited the allegedly deactivated Montauk Air Force Station in the late 1980s, there were clearly signs that the base was still very active. Office buildings had desks and chairs that seemed fairly new. The lights and phones worked. Heat flowed through above ground pipes and water was available to flush toilets in the restrooms. The smell of freshly prepared food emanated from vents that were originally designed to provide air for the gun emplacement bunkers. The former PX building looked like a modified cafeteria with hundreds of military-style meal trays carefully stored on racks inside.

The base was patrolled by men that were obviously Marines dressed as fisherman. I say Marines because I found Marine emblems displayed on the inside of buildings throughout the base. These very tall and fit guys wandered through the base. They walked up and down the beach and near the bluffs from the lighthouse to just west of the base. If you were spotted by them, they would politely suggest that you be would safer staying in the public areas of the lighthouse to the east. If you didn't leave, they would be less polite and summon the local or State Police.

Whether Montauk is still active remains to be seen. If it is, those in charge are unlikely to make the same mistakes that lead the witnesses like those which have contacted me to do so again. Anyone working in secret areas of the base nowadays will not be brainwashed techies or human test subjects previously exposed to secret technologies. They'll be dyed in the wool government operatives that are unlikely to come forward with any information.

Although there are a number of other facilities around the Country being used in a similar manner, Montauk seems to be the focal point for whatever has evolved from the original time travel, psychic warfare, remote viewing and mind control experiments. Today's Montauk Project would properly be very difficult to describe in everyday terms. That's why I felt a need to create a sequel to The Truth about the Philadelphia Experiment DVD Set.

As the person who filmed the original testimony of Preston Nichols, Al Bielek and Duncan Cameron, I felt obliged to provide more. That was not an easy thing to do. I wasn't just the first person to film these witnesses; I was also the first researcher to bring their story to the world. Let's face it; the original story is a hard act to follow and is just a sampling of the larger volume of information I have uncovered about secret technologies and their development. What pleases me most about the original information provided on VHS and DVD is that time has proven it to be true. I expect the same will happen with the new and more complete revelations.

A recent example of how correct those three original witnesses were involves their revelations about the planet Mars. They spoke about using the Montauk Project technology to visit underground areas on Mars and move about in secret caves. Their statements matched information presented during an episode of Science Report, a British Television Series that aired during the 1970s. That episode was titled, Alternative Three.

According to the critically-acclaimed Science Report, the U.S. Space Program was further along than people thought. The show revealed that landings on Mars had been a regular event since the 1960s. It also laid out the plan to transport important and innovation people with technical backgrounds to Mars. The excuse for all this was the coming environment chaos caused by pollution, over-population and industrial excess. However, I felt there was a less philanthropic force at work and the Montauk Survivor statements seem to back that up.

More than a few people laughed at the premise of Alternative Three and the statements by Al, Preston and Duncan about Mars. However, thanks to NASA probes and studies of Mars, they are not laughing as hard as they used to. Scientists now tell us that they have found evidence of entrances to huge underground caves on Mars. They also say that huge blocks of ice and perhaps even water exist just under the Martian surface. In short, just about everything needed to build a self sustaining underground environment for humans already exists on Mars.

Government manipulation of time and meddling with people's memories makes it difficult to draw a clear picture of what has happened and continues to happen through the Philadelphia Experiment and the Montauk Project. That information seems strange and convoluted to anyone unfamiliar with the world of secret government projects and technologies. However, that doesn't make it any less true.

For more, please visit http://Montauk.911ufo.com

The Science of Gayatri Yajnas - An Introduction

2007-04-11T12:32:00.001-07:00

All activities of the entire cosmos revolve around the axis of Yajnas. Great Rishis of yore proclaim: "Ayam Yajno Vishwasya Bhuvanasya Naabhihi" (Atharva Veda 9/15/14). It means Yajnas are the central focus of this cosmos. The divine singer of Bhagwad Geeta i.e. Lord Krishna too says: "Sahayajnaahaa prajaahaa purovaacha prajapatihi. Anaina prasavishvadhwamesha vostvishtakaamadhuka."(3/10). It means that at the beginning of this Kalpa (creation) Brahma after creating Yajnas, living beings etc advised them to propagate via the medium of Yajnas because these Yajnas will fulfill your material/spiritual needs. Yajnas are those extremely precious boons given to world humanity by Vedic Rishis of ancient India which is a foundation stone of material/spiritual bliss and maintaining a healthy ecosystem (especially today when world leaders are worried about environmental pollution and global warming).

Every word of the nectar like writings of HH Gurudeva Shriram Sharma Acharya throws light on the great foundation stones of Divine Culture viz. Yajnas and Science of Super Mantra Gayatri. He elucidates the miraculous results of divine energy emitted via Gayatri Mantra chanting and thus the vital energy of the Gayatri devotee becomes more potent by leaps and bounds. Our revered author-seer uprooted (symbolically and not literally) the erroneous concept of Yajnas which were based on mythological (Puranas) description and instead reinstated Super Mantra Gayatri Yajnas based on Vedic precepts. Such Gayatri Yajnas were 'hungrily' imbibed by thousands of devotees since their resultant benefits were incredible to say the least. This we can emphatically say is a revolutionary endeavor of this era. It is even greater in stature when compared to the revolution of post Yogiraj Gorakhnath's times wherein thousands were obstructed from misusing Tantra spiritual practices including Tantra based Yajnas. (During Gorakhnathji's life time Tantra was used most appropriately but it was after the great sage shed his mortal coil that rampant misuse of Tantra by ignoramuses set in). Today thanks to our revered Yuga Rishiji in so many pious households Gayatri Yajnas are being performed regularly so that an optimum sacred environment sets in to usher in a radiant world future in the 21st Century.

While giving us the true meaning of the sacred word 'Yajna' our revered author says that our life should it self become a Yajna both internally and externally. While throwing light on Bhagwad Geeta's verse viz. "Yajnaarthaat karmanonyatra lokoyam karmabandhanaha" he says a supremely great life involves executing actions based on the spirit of Yajnas. Other than these all actions bind us to this world and obstruct a living being from merging into God who is the cosmic being and eternal divine bliss manifest. The word 'Yajna' cannot be limited to the uttering 'Swaahaa' while carrying out fire sacrifices which offer sacred materials to the Yajna deity. Instead Yajna means purifying our personality from its very fount so that divinity oozes from the pore of man's entire being (this is true personality development). True worship of God encompasses respecting latent divine powers in the deep recesses of the soul and awakening them. Manu Smriti says: "Mahaayajnaishcha braahmeeyam kriyatay tanuhu". It means a supreme Yajna is one wherein man living a life of divine virtues constantly perseveres to sanctify his body, mind and soul from their very roots.

Yajna is a high stature endeavor executed for supreme material and spiritual gains. First the inner world imbibes divinity and then after offering Prana to Apan and vice versa Samidha (wood fuel of fire sacrifice) in the form of ones life is offered in the Yajna called world welfare. Thus know for sure that this indeed is the elucidation of a true Yajna. If our sentimental arena exudes greatness and translates the same in external social, professional and other activities indeed it becomes a true Yajna. Our revered author by giving such an extraordinary meaning of a Yajna has actually echoed the root meaning of Yajnas as per Vedic injunctions. In the Sanskrit language the word Yajna emerges from its root 'Yaja' which comnnotes worship of divinity, association with great saints, congregation of pious people and rendering the world powerful via international brotherhood and unity.

Amongst the 24 Avatars is included the Lord of Yajnas. Yajna is a worship icon in Indian culture and any action that does not include a Yajna basis cannot even be dreamt of. While describing the scientific aspect of Yajnas our revered author says it is a very important principle in keeping well managed all cosmic activities. Satiating divine elements means maintaining a healthy balance amongst all cosmic forces (material and spiritual) that manage this world. In today's modern day context you can say that Yajna is akin to a 'tax'. Just as if you do not pay taxes governmental tax authorities can punish you so too if you do not show gratefulness to nature (for giving you free air, water, light etc without billing you!) by offering materials (Ahuti) in Yajnas nature shows her wrath in the form of natural calamities like earthquakes, famines, floods, hurricanes, tsunamis etc. Thus the scientific basis of averting natural calamities is Yajna.

Middle Zone Standard Study Of Handwriting

2007-04-05T12:42:00.001-07:00

Introduction

There are 3 zones in English writing: Upper (l,h,t,b,etc.), Middle (a,m,n,o,u,e,i,s,v,c,r,w,x,z), and Lower (f,g,j,p,y). The middle zone dominates handwritten expression accounting for over 80 per cent of zonal space. It's the core of the personality expression. The "accepted" standard of 1/8th (.125) inch in some literature and 3 mm in other literature was questioned. A search carried out by the author found no supporting statistics to substantiate that concept. Therefore, a research study was initiated to assess an average (or standard) middle zone size, in general.

Methodology

Two studies were conducted twenty years apart. The information was taken from continuously measured MZ data (normally performed) over that period of time. In other words, all samples had MZ measurements taken for that 20 years with data stored or recorded.

The first study was performed during the years 1978-1979 and involved 500 handwriting specimens. These samples were selected from individuals of 19 years of age and older. There were 250 samples each of males and females. Specimens were not used if the handwriting reflected aging or infirmities. A calibrated, documented caliper capable of measuring in increments of .0005 inch, traceable to the United States national bureau of standards, NIST, was used in the measurement process along with a scientific calculator. Five measurements were made on each of the 500 samples. The measurements were made in the following manner: one from the top of the display, three from the middle of the display and a final one from the end of the display. These measurements were tediously taken at random and recorded. Measurements were made of the down strokes of Middle Zone letters including the slant - not just the vertical height. This must be done because the full length of the down stroke represents the writer and with a 30-degree slant vertical measurement would be erroneous by 100%. A total of 2,500 measurements were recorded.

The second study was performed during the years 1999-2000 and involved 231 handwriting specimens. These samples came from individuals located throughout the United States of America and were received by way of conducting handwriting analyses for either business or personal purposes. There was an approximately equal distribution of males and females. This time a digital, calibrated caliper, connected to a statistical mini-computer, was utilized. This enabled the author to increase ease of sampling in very accurate increments of .0005 inch and traceable to NIST with calibrated, documented instrumentation. This afforded quick and numerous measurements. Over 60 random measurements were made on each sample. Calculated as closely as possible, a total of 13,860 measurements were recorded.

Results

The results tend to be skewed significantly below the generally accepted standards of 1/8th of an inch or 3-mm. Table 1 gives the results from study one and Table 2 gives the results from the second study. The correlation (r) of the two studies is .936, which is extremely high and tends to suggest the consistency between both studies. In the first study, 86.2% of observations were below 1/8th (.125) inch and, in the second study, 78% were below 1/8th inch. Furthermore, the percent below 3-mm (.1182 inch) in both studies was 82% and 72.2%, time respective.

Other results:

- The medians were .100 inch and .094 inch. Again, tending well below 3 mm.

- The standard deviations were exactly the same to 4 places but not beyond. This seemed highly improbable but was checked.

- The modes were less than .100 inch with one exactly the same (.086 inch).

Table 1 1978-1979 Study Results

Intervals for Middle Zone Size in Inches (in) Frequency of Measurement in each Interval Percent of Frequency in each Interval

.039 or Less 0 0

.040-.049 5 1.0

.050-.059 17 3.4

.060-.069 27 5.4

.070-.079 66 13.2

.080-.089 92 18.4

.090-.099 86 17.2

.100-.109 63 12.6

.110-.119 57 11.4

.120-.129 35 7.0

.130-.139 20 4.0

.140-.149 13 2.6

.150-.159 8 1.6

.160-.169 2 .4

.170+ 9 1.8

500 100

Total Samples (N)

Average .098511

Standard Deviation .0264237

Variance .0006968

Median .094

Mode(s) (14 each) .086 & .094

Correlation to "99-'00 Study
(r) = .936

Number of measures 500 x 5 =
2500

Table 2 - 1999-2000 Study Results

Intervals for Middle Zone Size in Inches (in) Frequency in each Interval Percent in each Interval Standard Deviation
Array Frequency

% of each Standard Deviation

.039 or Less 0 0 .005 1 .416

.040-.049 1 .43 .006 0 0

.050-.059 3 1.29 .007 0 0

.060-.069 8 3.46 .008 3 1.250

.070-.079 23 9.95 .009 2 .833

.080-.089 38 16.45 .010 5 2.083

.090-.099 35 15.15 .011 6 2.500

.100-.109 37 16.01 .012 16 6.666

.110-.119 22 9.52 .013 15 6.250

.120-.129 23 9.95 .014 19 7.916

.130-.139 13 5.62 .015 18 7.500

.140-.149 9 3.89 .016 23 9.583

.150-.159 6 2.59 .017 11 4.583

.160-.169 6 2.59 .018 15 6.250

.170+ 7 3.03 .019 10 4.166

.020 14 5.833

Total smp (N) 231* 99.93 .021 16 6.666

Average .10451 .022 3 1.250

Standard Dev. .02644 .023 14 5.833

Median .100 .024 3 1.250

Mode (7) .086 .025 12 5.000

Correlate to .026 9 3.750

"78-"79 Study .027 3 1.250

(r) = .936 .028 3 1.250

Number meas. 231x60 = .029 0 0

13,860 .030 1 .416

.031 2 .833

.032 3 1.250

.033 4 1.666

.034 1 .416

.035 1 .416

.036 4 1.666

.037 0 0

.038 0 0

.039 1 .416

.040 1 .416

.050+ 1 .416

Totals 240* 99.989

Discussion and Conclusion

Although these studies were conducted 21 years apart they demonstrate a correlation to size distribution of (r) .936. Aside from the measurements documented in this report, over 600,000 individual MZ measurements were made by the author since 1977 as standard practice on all analyses. Those measurements continue to reflect the results of these studies.

The overall conclusion tends to indicate that the standard (or average MZ size) is significantly less than the arbitrary 3 mm. The author has used the .098511 inch standard as the "fulcrum" for assessing middle zone size relationships. The studies tend to indicate repeatability, which is the basis for scientific investigation. Similar studies in every country are encouraged to establish a world standard or individual national standards.

A further observation

Additionally, the author has been intrigued by the possibility (and, in the absence of any publication) of a polar-concept to handwriting/printing meaning that there are only two fundamental elements that create any handwriting/printing. We see this binary concept throughout the Universe. To this end, a conclusion has been determined: Pressure and Speed. These are the two essential elements constituting the creation of all writing/printing. Both range from a possible zero value to the capacity of the writer. Some basic explanations are warranted since questions are certain to arise.

A dot or period is the simplest form of speed (moving down) and pressure (against the resistance of the surface). If it is true for a dot then it is true for all writing. Space is the absence of pressure yet incorporates speed for spatial adjustment. Although there will be some controversy, it is the author's belief the conclusion has merit, however, other observations are welcome.

Observations on Study One of MZ Average Size Measurements

Individual Standard Deviations were not recorded in study number one.

1. More than 86% (86.2%) are less than the generally accepted "standard" of 1/8th of an inch (.125") or 3.1725 mm.

2. Only 7% are within the "standard" .120"-.130".

3. Correlation with a similar study ("98-'00) 21 years later is extremely high at r = .936.

4. Confidence limits at 1 SD range from .072" to .124". 66% confidence, results are in this range.

5. Confidence limits at 2 SD range from .045" to .151". 95% confidence, results are in this range.

6. Confidence limits at 3 SD range from .019" to .177". 99% confidence, results are in this range.

7. The average was calculated at .098511 inch well, below the 1/8th inch generally accepted "standard".

8. The standard deviation was calculated at .0264237 inch.

9. The median was .094 inch.

10. The mode(s) were (14 each) .086 inch and .094 inch

Observations on Study Two of MZ Average Size Measurements

1. More than 77% (77.9%) are less than the generally accepted "standard" of 1/8th of an inch (.125") or 3.1725 mm.

2. Only 9.9% within current accepted 'standard' .120"-.130".

3. Correlation with a similar study ("78-'79) 21 years later is extremely high at r =.936.

4. Confidence limits at 1 SD range from .0780" to .1309". 66% confidence results are in this range.

5. Confidence limits at 2 SD range from .0516" to .1573". 95% confidence results are in this range.

6. Confidence limits at 3 SD range from .0252" to .1838". 99% confidence results are in this range.

7. The average was calculated at .10451 inch. Well below the 1/8th inch generally accepted "standard".

8. The standard deviation was calculated at .02644 inch.

9. The median was .100 inch.

10. The mode was .086 inch (7 total)

11. * Recording errors account for differences but have
virtually no effect on results.

Bibliography

Writings, Instruction, Scoring, P Velasco, 1990, self published
Cluster Indicators of Handwriting Elements, J. Cammarata, 1984,
Self-Published

Experiments with Handwriting, Robert Saudek, 1929, William Morrow & Co., NY

The Psychology of Handwriting, Nadya Olyanova, 1960, Sterling Publishing, NY

Studies in Expressive Movement, GW Allport & PE Vernon, 1933, Macmillan, NY

Diagrams of the Unconscious, W Wolff, 1948, Grune & Stratton, NY

The Psychology of Handwriting, Robert Saudek, 1925, Allen & Unwin, London

*Handwriting: A Key to Personality, K Roman, 1975, Noonday Press, NY, page 147.

Thoughts and writings of D Anthony & F Anthony, self published

*Handwriting, An Analysis through Its Symbolism, R Hearns, Vantage, NY, page 36.

Handwriting and Character, D Lucas, 1923, McKay Company, Philadelphia, PA

The Science of Handwriting Analysis, B Rosen, 1965, Bonanza Books, NY

*Analysis of Handwriting, H Jacoby, 1939, Allen & Unwin, London

Handwriting Analysis, TS Lewinson & J Zubin, 1942, Kings Crown Press, NY

Personality in Handwriting, AO Mendel, 1947, Stephen Daye Press, NY

Handwriting Analysis, U Sonnemann, 1950, Allen & Unwin, London

Handwriting, A Key to Successful Living, HO Teltscher, 1942, GP Putnam, NY

*The Key to Handwriting Analysis, I Marcuse, 1962, Rolton House, NY, page 39.

Trattato…Scrittore, C Baldi, 1620, Bologna, Italy

Handschrift und Charakter, L Klages, 1940, Leipzig

Applied Graphology, I Marcuse, 1946, Macoy, NY

Handwriting, A Personality Projection, F Victor, 1945, Thomas, NY

*Graphology Handbook, C Casewit, 1980, Para Research, MA, page 39.

The Principle Trait Clusters for Describing Personality, R B Cattel, Psychological Bulletin, 42:129-161, 1945

*Handwriting Analysis, Thea Stein Lewinson, 1967, page 36, University Microfilms, Inc., Ann Arbor, MI.

*Handwriting & Personality, Ann Mahony, 1989, page 63.

*Write What's Wrong, Dr. Claude Santoy, 1992, page 12.

*Practical Character Analysis from Handwriting, Albert J. Smith, 1920, London, page11.

*What Handwriting Indicates, John Rexford, 1904, page 11.

*Handwriting Analysis, Dorothy Sara, 1967, page 98.

*The Elements of Graphology, Barry Branson, 1995, page 17.

*Handwriting as an Index to Character, very old book, no author or date of publication, London, page 3.

NOTE: An asterisk (*) denotes references stating either 1/8th inch or 3mm as the normal middle zone size or height.

Bigfoot - An Enigma with Many Possible Identities

2007-04-03T15:11:00.001-07:00

A few years ago, I received a video from my good friend and experienced paranormal investigator, Dick Criswell. It was filmed in Oakland, Oregon, and involved an amazing guy named Stan Johnson and his unique understanding of Bigfoot. Sasquatch, Bigfoot, Yeti, Abominable Snowman or Skunk Ape; call it what you will. Most people think of the legendary creature as some sort of missing link or unidentified primate. Stan has a different view and it has caused me to reexamine my own conclusions about these beings.

I have watched Dick's video, On Bigfoot Mountain, dozens of times and that surprises me. When it comes to Paranormal Research, I like to keep my focus on the subject at hand and not the 'noise' surrounding it. Theories, ideas, channeled data, cults and everything else you can imagine really blurs the big picture and removes objectivity. However, Stan's information gave me some new ideas about the behavior of Bigfoot.

Johnson describes the Sasquatch as a race of intelligent beings that easily communicate with him and travel using portals. He mentions at least three portals that exist on the mountain where he lives. The portals seem to be entrances and exits to and from our physical reality. Not surprisingly, Bigfoot is often seen in these areas by a diverse group of witnesses.

Apart from the physical sightings, Johnson seems able to communicate with these beings on a mental or spiritual level. During those times, the Sasquatch need not be physically present. This makes me wonder who or what they really are. It may be that the Native Peoples of North America have a better understanding of Bigfoot than the rest of us. They have great respect for these beings and feel they represent a border or bridge between human and animal consciousness.

The Sasquatch that speaks to Johnson and others seem to have an understanding of our physical reality that we have not yet grasped. For example, their use of portals and manipulation of time and space really fascinated me. Not only would it explain their ability to suddenly appear and disappear, but it might also explain why other paranormal events occur in the same areas and at the same times as many Bigfoot sightings. My first investigation of a Bigfoot event was a good example of that scenario.

I became acquainted with the Florida version of Bigfoot in 1973 at the age of seventeen. People in the Sunshine State generally refer to it as a Skunk Ape or Yeti. Either way, descriptions are identical to what some Bigfoot researchers call unknown primate sightings and encounters worldwide. Nevertheless, the event I was investigating didn't occur in the middle of some thick forest or on a road rarely traveled in the Everglades. This was the Jungle Prada area of Saint Petersburg surrounded by water and suburban neighborhoods.

It was early October and I was investigating ghost light sightings reported to my high school UFO club. The lights appeared in the area of Jungle Prada Park at Park Street N and Elbow Lane. They were centered over a section of Boca Ciega Bay that separates Saint Petersburg from Treasure Island. Most people think of it as a channel because all the boat traffic and marine markers.

I arrived at the Jungle Prada just before dark with two friends which agreed to assist me in the investigation. We parked close to the shoreline hoping to speak with regulars that fished that area and might have noticed the lights. As we were getting our equipment out of the car, I noticed three helicopters in the area. They were not military and didn't look like police or emergency medical transport choppers.

Before we could give the helicopters another thought, dozens of cars appeared out of nowhere. Most of the drivers were young people. I thought that maybe we had accidentally ended up in the middle of some kind of keg party or fraternity event. Seeing that we had some photography equipment, a tape recorder and note taking materials, one guy asked us, "Are you here looking for the Skunk Ape?"

We had no idea what he was talking about until we heard a couple of car radios that were blaring a local music station. Between songs, the DJ mentioned some listeners that called in to his studio earlier about seeing some sort of a large, hairy creature swimming in the bay near Jungle Prada. I asked my fellow investigators to snoop around while I located a payphone and called the radio station. I drove some distance to a gas station and made the call.

The DJ told me that listeners had been calling him for the past two hours. Most were frustrated when their calls to police or emergency numbers were largely ignored. The first few callers were people that were fishing along a pier when they saw the creature. Others were out in their boats at the time the creature was spotted. The best call came from a charter boat captain that regularly piloted his vessel through the area. The captain, crew and passengers all saw the creature. The captain contacted the Coast Guard.

Most of the witnesses that called were listening to the music station when the DJ asked people to call in with song requests and gave out the studio phone number. Instead, they called about the Skunk Ape. The DJ told me that he might have considered it all a prank, but this was a guy that listened to people call in for all sorts of reasons night after night. He had developed a knack for knowing when people were trying to pull a fast one on him.

Needless to say, I spent most of my time there trying to track down any witnesses to the event that might still be in the area. Thanks to some information from the DJ, I was able to narrow my search to the pier area and found two people that had called the station. After calling from a convenience store, they returned to the area to see if the creature had come back.

The Richardson's were a young couple that came out to enjoy the sunset by the water's edge. Along with some other people fishing and hanging out nearby, they said that a large creature suddenly appeared in the water. It was swimming toward the shoreline just north of where they were standing. The creature swam much like a human, but it was very large and hairy. Still in amazement over the event, the witnesses said that it came up on the shore and ran into the tree line like a person would. Not thinking, everyone ran up to that area and trampled over any footprints that might have been left behind.

The couple took me to that area along the shore and we searched through it with large flashlights, but too many people had already been there. There was no way to discern specific footprints in the sand or know if the creature or crowd had caused damage to small trees and other growths. A more thorough search the next day turned up nothing unusual.

Most people might consider it more than a bit strange that Bigfoot would share the spotlight with Ghost Lights in same area at the same time. However, Jungle Prada is the original paranormal exception to the rule. It is one of the oldest, most historic, haunted, troubled and mysterious parts of St Petersburg, Florida, or anywhere else for that matter.

The Tocobaga Indians built burial mounds and villages in the area as early as 900 AD and thrived right up until the arrival of the Spanish Conquistadors in 1528. They allegedly enslaved, killed and infected the Tocobaga with disease. Within one hundred years, the natives were extinct. However, remnants of their mounds remain and so do their ghosts.

It's not uncommon for visitors to the historic mounds to report a sickening feeling in their stomach. While most Floridians chalk that up to people from cold states spending too much time outdoors in the Florida heat and humidity, others have a stranger explanation. Some psychics and spiritualists insist that the illness comes from the Tocobaga ghosts or their residual psychic energy. It's a reminder of the stomach pains they felt while suffering from diseases and illnesses brought to their shores by the Conquistadors.

The Spanish were not the only ones who came to the Jungle Prada searching for wealth. In 1924 a man named Walter Fuller built a shopping center at what is now 1700 Park Street North. The complex was designed to serve guests who stayed at his nearby Country Club Hotel. That grand old building still exists and has been home to the Admiral Farragut Academy for many years. Parts of the shopping area have also survived to this day including a night club that was partially or fully owned by Al Capone.

Capone's Gangplank Club existed in Fuller's Shopping Center and featured some of the top names in entertainment including Count Basie and Duke Ellington. Anything but dry, the place had a regular supply of bootleg booze brought in through a secret tunnel that ran from the shoreline to the club courtesy of Capone.

Always one to keep a sharp eye on his investments, Capone built a house nearby at Venetian Blvd. N.E. and Bayou Grande N.E. on the shore of Grand Bayou. Trusted associates stayed there and watched over the night club to be sure the Boss got his cut of the profits. That house has a million weird stories associated with it. Possibly the weirdest involves some of Capone's regular house guests falling into bad company that might have actually been worse than their own.

Unsubstantiated stories tell a tale of people that secretly arranged and took part in occult ceremonies near the remnants of huge homes that once graced the shoreline in that area. Some of the fences that surrounded these mansions and a few ruins could still be seen in the early 1970s. Huge trees covered with Spanish Moss hid these residences from public view even in their heyday.

There is no way to know if any of these dark deeds took place at Capone's house or actually occurred at all. If they did, it's unlikely that Capone had any involvement since he was rarely there and showed no interest in such things. However, the Boss's home was a different story.

After years of building fences around it, installing lights to illuminate it at night and responding to endless calls of break-ins, odd noises, ghosts sightings and people suddenly acting in an irrational manner when near it, local authorities gave up. They ordered the house condemned and tore it down. The current house on that location has no association with the Capone residence.

Whether it was the stock market crash, end of prohibition or a curse sometimes associated with that area, Capone's Gangplank Club and most of the retail establishments in that area eventually closed down. The Jungle Prada was just too far off the beaten path to be profitable for anyone and it's been that way ever since. The closing of an airport used by Capone and Country Club Hotel guests also added to the Prada's economic demise. The Tyrone Square Mall is now on that location, but too far away to be of any economic benefit to the Prada.

Some say that the place is just unlucky, others blame the bad luck on a curse that allegedly exists on the land due to the mistreatment and murder of the Tocobaga Native People. Except for a housing boom in the 1950s and 1960s which ate up a large portion of land that was largely unused, the place hasn't had much in the way of good fortune or a legacy to brag about.

Even residents of nearby communities that were a part of the building boom haven't completed escaped the curse. Despite skyrocketing real estate prices, neighborhood associations are constantly at odds with town officials that seem bent on relocating facilities and services elsewhere to benefit other communities.

Jungle Prada can't seem to escape its unseemly reputation. Parks in the area offer popular activities to residents and feature spectacular natural beauty, but home owners have to share these town properties with others that come for very different reasons. Reasons that are a constant thorn in the side of people living near the Prada.

Ghost Tours are regularly lead through the Prada by entrepreneurial profiteers. Historic Markers constantly remind visitors of the extinct Tocobaga People. Tourists visit by the thousands each year to see the ancient burial mounds. Others want a look at Capone's Club where Babe Ruth was married. Mediums, Spiritualists and Ghost Hunters drop by to contact the dead. UFO Researchers search for Ghost Lights or unidentified underwater objects that are said to speed through the Bay in this alleged western section of the Bermuda Triangle. And don't forget about Bigfoot.

Thinking back to Stan Johnson's revelation about the intelligence of the Sasquatch and the portals through which they travel makes me wonder. Is it possible that there are inter-dimensional portals in the Jungle Prada? If there are, it may be that the Bigfoot creatures are not the only ones able to use them. That might explain all the paranormal activity and why a Bigfoot creature might occasionally be seen in that area.

Listening to Stan, I get the impression that the Sasquatch are concerned about our well-being and exist on a very high spiritual level. It may be that they help keep dark forces at bay or Aliens bent on invasion from coming through the portals. I guess you could almost describe them as some sort of inter-dimensional Peace Keepers. However, the degree of their success may also depend on our own efforts and it's obvious that we do not always act in our own best interest.

While interviewing some of the survivors of the Philadelphia Experiment and Montauk Project, I was told that a large hairy creature once appeared out of nowhere during one of the inter-dimensional time travel experiments at the Montauk Base. Looking exactly like a Bigfoot, it seemed bent on destroying the equipment and closing down the project. This makes me wonder if those in charge were accessing one of the portals reported to exist on or near the Base.

The Montauk Project was a government program designed to develop and take control of time and inter-dimensional travel, develop technologies to respond to the perceived Alien threat and perfect mind control and psychic weapons. Those goals would be at odds with the mission of the Sasquatch. That mission may be to keep all things equal, prevent conflicts between beings sharing the universe and bring humans closer to a higher spiritual existence. As a result, the Sasquatch might have tried to shut down the experiments at Montauk to save us from ourselves. Unfortunately, they failed.

Taking things a step further, I wonder why the physical aspects and overall behavior of the Sasquatch do not seem to match the intellect that Stan claims they possess. Is it possible that the hairy creatures we see are merely physical vessels housing some sort of spiritual or ascended beings? As wild as that sounds, it makes sense.

If you were visiting another world or dimension and faced a potential threat from the inhabitants or other beings visiting at the same time, you might take the form of something large and strong if you had the ability to do so. I believe that the Bigfoot creatures are unknown animals kept from extinction by inter-dimensional beings using them for protection. It's also possible that the inter-dimensional beings could have brought these creatures from another time, place or plain of existence. That might help explain why we can't seem to locate any small or large groups of the creatures, despite all the evidence for their existence.

If what Stan and others say is true and my own theory is correct, it would explain the duality of abilities and skills that these beings possess. At times they seem to hunt, feed and communicate in the most primitive way. On other occasions they demonstrate excellent communication skills and exhibit evidence of a society with an advanced social structure and communal sense of spiritual well-being. All this provides evidence that advanced beings are using Sasquatch as a walk-in whenever the need arises.

After all my theorizing, we still have to drop back to one, all-important question: Does Bigfoot exist at all? And despite all the skeptical Nay Sayers out there that think not, there is a substantial amount of evidence for the physical existence of Bigfoot. The evidence includes reliable eyewitness testimony, a continuing series of sightings over a long period of time, repeat sightings in various places, physical evidence, photographs, film, video and sound recordings.

Manitoba, Canada, is one of the areas where Bigfoot has made regular appearances since the 1800s. In 2005, a ferry boat operator named Bobby Clarke filmed a creature that might have been ten feet tall a few hundred miles north of Winnipeg. Clark, a First Nation Canadian, ferries people and cargo across the Nelson River. On the morning of April 16, 2005, he arrived at the docks around 6:30 in the morning. At first light he saw "a big black figure" on the opposite shore of the river, grabbed his camcorder and started filming.

His sister confirmed that Clarke rarely goes anywhere without his small camcorder. Maybe that's because another Ferry Operator named Hubert Folster saw the same thing almost a year before Clarke. Folster didn't have a camera with him, but watched for six minutes as very tall and dark figure moved along the waterfront on the opposite shoreline. Folster says of his experience, "It just wasn't right." He doesn't know exactly what he saw, dislikes discussing the event and obviously has no desire to repeat the experience. The sighting left Folster feeling very uneasy and didn't do much for Clarke's peace of mind either.

After watching and filming the creature for almost three minutes, Clarke dropped his camera when the dark figure turned and faced him. He draws a bit of a blank at that point and says that the entire episode left him upset. Clarke's sister says he was unable to work for several days afterward and that things do not usually affect him in that way. Clark has seen large bears and all sorts of wildlife, but nothing like this and nothing that has ever upset him this much.

Another video of Bigfoot was filmed in Canada this year (2007) by a man who calls himself Doug Thomas from Peguis, Manitoba. He describes the event:

"This footage was captured in Peguis, Manitoba, Canada. My son and I were going out to cut some wood as we came over the ridge we could see something crossing the road by time my boy got the camera out it this is what we captured.

I guess I should make this clear first I'm not claiming that its "Bigfoot or Sasquatch, I just don't know? There really isn't much more that I can say about the footage, my boy and I were heading out to the gravel pits to cut some firewood. On the way over a ridge we could see something crossing the road on the next ridge probably about 400 yards away.

I slowed down and told my boy to grab my camcorder from the back seat. By the time he had it going what ever we saw had already walked across the road behind a mound of rocks.

What you see in the video is clearer then what I actually saw because we were so far away. The "creature" quickly disappeared into the woods and what we seen the video is the last we saw of it.

We stopped and shouted, "who's there?" with no response. I remember looking at the tracks but don't recall anything abnormal about them, it just looked like where someone had walked through the snow. I should have videoed the tracks but didn't even think of it at the time."

Whether Bigfoot is merely an undiscovered primate, physical vessel used by higher forces or a group of peace-loving creatures with a structured society, it's all but certain that they exist in the physical world at least some of the time. More importantly, they do so with or without our ability to believe in them.

More free articles about paranormal subjects are available at http://www.ufoguy.com

4 Steps to Better Relationships Through The Enneagram

2007-03-26T12:20:00.001-07:00

One of the most powerful ways to use the Enneagram is for deepening your relationships with others. I believe that understanding others on a deeper level can help you to work, live, or love them better. The Enneagram will give you insight into what makes someone tick, and often gives perspective which can propel your relationship beyond most interpersonal issues. This information is held in such high esteem, it is currently being used by therapists, life coaches, and in business to create more dynamic and efficient teams. This is not your average typeing system or hocus pocus.

All of my relationships have changed since I began studying the Enneagram. Most have gotten much better, some of just changed, and some I've decided to end because they weren't serving the purpose they were meant to. Based on the experience I had with understanding others through the Enneagram, I'm going to show you the four steps you can use to understand friends, family, and colleagues better.

4 Steps to Better Relationships Through the Enneagram:

1. Determine your own type and the type of the person whom you wish to understand better.

It is my hope that you know your type already and at least have some understanding of the Enneagram. If not, I would suggest looking at an overview of the Enneagram and the nine types. You should get yourself acquainted with the nine types and your own type before you attempt to understand someone else better. As with most types of personal development… an ounce of self-understanding is a pound of understanding others.

If you are truly stumped with finding your own type, I would suggest trying a free Enneagram type test. These are not 100% perfect, but they can usually peg someone to one or two types and you can take it from there.

2. Look at the fears and desires & key motivations of the type you are hoping to understand more.

On Wikipedia, you can take a close look at the fears and desires of the type you are looking to understand more. For instance, if that person happened to be an Enneagram Type 7, their fears and desires would look like this:

"Basic Fear: Of being deprived and in pain

Basic Desire: To be satisfied and content—to have their needs fulfilled

Key Motivations: Want to maintain their freedom and happiness, to avoid missing out on worthwhile experiences, to keep themselves excited and occupied, to avoid and discharge pain."

Taking a close look at this will give you some insight into a problem you might be having or a way to avoid future problems. Enneagram Type 7's are infamous for being afraid they are going to be left out of the fun or stuck in a boring place without a way out. That may seem a little dramatic, of course, but it's true. So, if you are an office manager, it would be unlikely that your office's Enneagram Type 7 would be the best person to man the phones all day. The seven would be more suited to be out on sales calls or mowing the lawn. Think excitement, short attention span, not really an anchor. (Dear 7's, don't take this personally, I'm a 7 too…)

3. Look at your type compatibility.

The Enneagram Institute offers a great type compatibility chart. Google "Enneagram Institute Type Compatibility Chart" and head on over. You can select your own type and the type you are looking to understand better. To continue with our example from above: Let's assume that the office manager is a type 3 and the worker is still a type 7, here is a part of the compatibility report:

"This is a highly complementary pair: both types are self-assertive, have high energy, and are outgoing and capable of being around people with relative ease. Both types bring optimism, a future orientation, the sense of possibility and renewal to their relationships and to enterprises they become involved with. Threes can work alone more easily than Sevens, although both are stimulated by interacting with people and both can be excellent communicators of their ideas and values. Both are persuasive and articulate, often lively and attractive, making them sought after company. Both have a youthful orientation such that they feed off of each other's energy: no other couple is as vivacious or gregarious as the Three/Seven couple. This is probably the highest energy combination of types and they wholeheartedly engage in lots of activities, plans and projects, with the emphasis on attaining the good life. The focus is on sociability, going out, having adventures together and on realizing possibilities and on finding personal fulfillment. "

4. Use this for good only, not evil.

Once you get a grasp on all of this, you have a lot of inside information into people's motivations. You also get a lot of perspective on how you work with others. It's a lot of responsibility. Don't go abusing your power and manipulating situations. Be good, and the study of the Enneagram can bring a lot of clarity and peace to your relationships.

4 Steps to Better Relationships Through the Enneagram

Intuitive Pet Talk

2007-03-21T16:54:00.001-07:00

It isn't just pet psychics who can talk with our little animal companions, everyone can!

Aside from a fantastic telepathic skill, many different species are developed in body language signals and also the tone and frequency of voice. Those of us who share our lives, our homes, our cars and whatever else we have with our little animal friends understand how they intuit on everything that happens in our lives. They are aware of our emotions, whether we are sad, happy or anywhere in-between.

Telepathy is an easy communicative language of images and feelings. We all do it but when we work with our pets, it will help a great deal to be being selective in the images that we are sending. If we tell our dog not to chew our shoes, the picture we have in our mind at that moment is of the dog doing exactly that. Instead of sending that mental image, try sending the image of the dog happily chewing a chew stick or rawhide bone. Their perception of the image is immediate. Animals have excellent hearing so there is never any need to yell at your pet.

Intuitive pet talk with your beloved little friend means paying attention to what is going on in your pet's life on a daily basis and how it may be affecting them. What is their response to the food you provide for them, their snacks and their treats. Allow yourself to hear (sense/feel) what they are telling you.

As you set with your pet in quiet time, tell your pet how much you appreciate and love them. The more you relax and just be with your pet, the more you vibrate to the same frequency to receive their messages to you. Some people have had excellent results as they synchronize breathing with their pet for a deeper connection…they breath a little faster than us but as you experiment with this technique, you will begin to intuit their messages easier. This loving quiet time with your pet is wonderfully therapeutic to say the least.

Communicating with your pet in their own language truly adds to the abundance of nature's bountiful supply of riches. You may find your pet sharing humorous images that bring joy and laughter into your life. Other images may be more subtle and tender that you would otherwise miss out without your communicative connection.

Being in sync with your pet will also help you to take care of their health needs and perhaps even precisely identify any discomfort they may have. Your pet depends on you for good healthcare, nutrition, socialization and even grooming. With so many different choices of pet care products and services that are available, it can be overwhelming, unless of course you recognize the images and feelings that your pet prefers.

The love you and your pet share; you already know how to communicate with your pets. Taking this a step deeper is what pet psychics do to establish a rapport. You will too; as you begin to open your mind and heart to the animal kingdom in general. It is amazing how fast your ability to talk with animals develop as you simply reflect on the images and feelings your pet conveys to you.

Animals that live in the wild depend on communication for survival. They project sounds and colors with astute discerning frequency levels that reach hundreds of miles. There has been a great deal of study on animal communication over the years with fascinating results.

Pets love the sounds and information projected from wild life. Nature television shows and videos are an educational source you may wish to consider for you and your pet to enjoy. Kicking back and hanging out with your pet on movie night is a great way to expand your awareness and bond with your little one on his or her level.

The Nightmare Ghost My True Ghost Story

2007-03-20T10:43:00.001-07:00

When I was younger in age, about 10-13, I started having very troublesome nightmares. Even though I was a very normal kid, with a very normal family, each night I would be terrified to go to bed from fear. I would have vivid dreams of horrifying events such as my house burning down, with Satan himself looking into my room, laughing. Most of these nightmares had Satan in them, and I often woke up not knowing what to do, or what caused these nightmares.

After a while, I started noticing something very peculiar. Every morning, I was waking up at exactly 3 A.M.; not one minute more, not one minute less. Every morning, nightmare or not, I was beginning to awaken, and see the big red LED's glowing on my alarm clock telling me again, I had awoken at the same time. This in itself was very frightening, but I had always managed to get back to sleep. After around a week of noticing this, some very peculiar events began to happen.

One particular morning, I woke up with no nightmare at the prompt time of 3 A.M. I was trying to go back to sleep, when I heard some odd noises. I heard what sounded like a side door in my kitchen, 3 rooms away from me, slam shut. I thought this was very odd, as everyone in my house was asleep. My heartbeat quickened instantly, and sleep seemed very distant to me. I waited, trying to block out anything I might hear, and hid my head under the covers. A few minutes passed, and I heard a stranger sound- something that of dropping a penny on a metal surface. Again, this sound radiated from my kitchen. I closed my eyes, and tried to calm myself down so I could get to sleep and forget what was happening. Seconds later, I felt my feet getting extremely cold, and tucked them underneath my covers. The cold spread to my body- and I was frozen with fear. Two rooms away from mine, my living room, I heard the sliding of a chair on a tile surface. I found this very odd, as we have a carpeted living room.

Things were starting to get more active, and I was frozen with fear still. At the climax of things, I heard 5 loud stomps coming into the hallway outside of my room, and stopped right outside my door. My heart was beating almost outside of my chest, as I curled up into a ball and prayed that the experience stop. I couldn't sleep that morning, and waited two hours until my father got up to go to work. At this point, I felt comfortable enough to sleep, and did.

Since this incident, I have gotten increasingly better about nightmares. The following days, I still woke up at 3 A.M. in the morning for another week or so. Every now and then, I will still experience minor oddities. Recently, I was brushing my teeth and the bathroom door close shut all by itself. Things like this have made me believe in ghosts- even if I never caught a glimpse. In many cases hearing is believing- just as much as sight.

To this day, if I wake up in the early morning, I sometimes will turn the television on to keep my mind off of this particular incident, and sleep with it on. I'm not fond of repeating this occurrence to anyone, as it invokes old memories I wish to forget. I hope this is a bit of proof to the non believers that there is, in fact, something paranormal out there.

Emergence Personality Theory - How We Find Wounds

2007-03-18T13:37:00.001-07:00

What I am about to show you is the twelve categories of risky questions with which I find peoples' wounds. Straight to the heart, definitely risky, but powerfully charged questions. Know their power lies in the fact that the person can be symptom free and they still find wounds.

Now without further adieu (and setting aside for another time the theory which underlies these 12 categories), here they are. My twelve core strategies for locating wounds.

[ 1] Vivid Recall of a Painful Event: The First Category of Block Markers

[ 2] An Inability to Picture a Common Childhood Event: The Second Category of Block Markers

[ 3] Hating an Ordinary Life Event: The Third Category of Block Markers

[ 4] Under-reacting to a Loving Event: The Fourth Category of Block Markers

[ 5] Under-reacting to a Violent Event: The Fifth Category of Block Markers

[ 6] Having No Choice: The Sixth Category of Block Markers

[ 7] Feeling Urgency During Ordinary Life Events: The 7th Category of Block Markers

[ 8] Feeling Abandoned During Ordinary Life Events: The 8th Category of Block Markers

[ 9] Feeling Trapped During Nonviolent Life Events: The 9th Category of Block Markers

[10] Repeatedly Making the Same Painful Error: The 10th Category of Block Markers

[11] Feeling Markedly Older or Younger During Ordinary Life Events: The 11th Category of Block Markers

[12] Feeling Compelled to Do Ordinary Acts: The 12th Category of Block Markers

Let's start with the obvious; what is a Block Marker?

A Block Marker is a sort of mental pointer to a time during which you were once startled into blankness by a painful event. After which you have a sort of psychological hole in your ability to picture which functions a lot like a pot hole in a road. Literally, we all have these blank spots in our minds. Psychologically speaking, anyway. More important, these holes are the single most direct way to find our injuries.

Am I being too vague? Let me try an example. When I was a boy, two little girls in my class were standing in front of a store on a busy highway. A tractor trailer lost it's brakes and hit and killed one of them right in front of the other. No surprise that the little girl who was six at the time could not remember this happening. But because of what happened, she also had a blocked ability to picture tractor trailers. She literally could not bring one to mind ever when asked to make one up.

Of course, most of us will never have an event this terrible happen to us. Even so, we all have certain things we have lost the ability to visualize. Psychological pot holes in the roads in our minds so to speak. Moreover, this blocked ability to even imagine these things is the one thing all human wounds have in common. We cannot picture something about the event. Even if we know with certainty this thing happened to us. And even if we are asked to simply make this thing up.

Still confused? What I'm saying is, while human beings, by nature, prefer to use logic to explore their suffering, real healing lies not in logic but rather in exploring these visual blank spots. The places wherein we can no longer picture life even when asked to make it up. Ironically, we never notice the significance of this inability let alone that it is the single most important feature in all of talk therapy.

Know you can explore this visual paradox in depth by visiting my site at http://theemergencesite.com/Therapy/LearningAsATherapy-Wk070319.htm.

For now it is enough to know that these twelve categories of lost abilities to picture life exist. And that they are simply the best way to locate mental / emotional injuries.

Prison Dreams Can Help To Liberate the Dreamer

2007-03-14T19:48:00.001-07:00

Have you ever dreamed you were in prison? Then some part of you is imprisoned. There are many ways in which this metaphor can apply to our lives. We explored some of them in a recent prison dream that was discussed in a telephone group, "TeleDream." Here is how the dream began:

"I am in a prison(1). Inside, the grounds are like a university campus(2), with green lawns(3) and benches(4) next to old buildings(5). The whole place is surrounded by a thick-barred black metal fence(6). I have just arrived(7). We take turns going to get groceries(8) escorted by a prison guard(9)..."

Every dream speaks to anyone who investigates it, since dreams originate in the Universal realms of the Unconscious. The group exploring this dream discovered dozens of layers of meaning, some unique to each individual. See if any of the nine universal themes we found apply to you:

1. "I am in a prison." And so is everyone in some manner: To the degree that your job or family confines and restrains you, they imprison you. If your body is wounded, disowned, or a burden to you, your spirit may be imprisoned by the physical. If you long to follow some dream which is prohibited by others,

you may be imprisoned by society. If your dreams seem hopeless or ridiculous, you may be imprisoned by your own attitudes. Most of us are imprisoned by fears, by doubt, by ignorance.

2. "Inside, the grounds are like a university campus": Inside us the "ground" of our existence is the "Universe" itself. Our individual identity is alternately a prison and a portal: "Every man is a doorway through which the Infinite passes into the finite" (Emerson) The human personality consists of a spark of divinity imprisoned in materiality.

3. "green lawns": One group member noted that green is the color of growth and spring; to the extent that our growth and blossoming is restricted, we are in prison. Any "failure to thrive" imprisons some potential. Another dreamer mentioned that green is the color of the heart chakra; if our feelings, hopes and dreams were not imprisoned within us, would we need so many reminders to "follow our dreams" or to "know thyself." A third group member playfully commented that "the grass always looks greener on the other side of the razor-wire fence."

4. "Benches": are for waiting, for sitting it out and they can be a valuable respite or the symbol of failing to "take a stand." Being "put on the bench" in sports is to be taken out of the game. How are we "sitting on the bench" in our own lives, the dream invites us to ask.

5. The grass of the "green lawns" is part of nature, while the bench, the buildings and the fence are man-made. Often our natural tendencies are surrounded by that which has been built up by culture, family rules and traditions, religious beliefs and external authority. There are many built environments like schools and factories which educate and employ but simultaneously imprison. In the movie "Cousin Cousine" a character attends an outdoor wedding but skips the church reception that follows, saying "I don't trust God when you get him indoors."

6. The "whole place" might be that place within us all, in which we are whole. Every being carries the imprint of wholeness, like the oak tree implicit in the acorn. Each gender has within, the qualities of its opposite. Each child brings into this world a potential for full being and expression which is only rarely fulfilled. Whatever prevents our wholeness is the "black metal fence" of shadow and restriction and resistance. Poverty is a prison. Prejudice is a prison. Partiality is a prison; gated communities are the prison of privilege.

7. This dream came to a devoted student of dream work whose past efforts had activated and liberated parts of her psyche that had been stored in the "protective custody" of the unconscious since childhood. The release of fresh consciousness that has "just arrived" is the hallmark of ongoing growth. Dreams release unrealized potentials into the adult psyche whenever we are ready to do the work of reclamation. It is our own innocent consciousness that recognizes our over-adapted adult attitudes as a prison. This fresh energy is just what helps to release us from the prison of habit and limitation. Prisons are secure, and sometimes, security is a prison.

8. The dreamer noted that many of the important projects she began had to "take turns" and could not be consistently maintained. Thus there were cycles of meditation and phases of healthy exercise and periodic returns to creative writing. The dream shows these as activities that bring nourishment, the "groceries" that feed the soul. Such activities must often take turns when much of our psyche is imprisoned.

9. Not only do we all contain hopes and abilities that are imprisoned within, but we are all both the prisoner and the prison guard. Our own attitudes and habits imprison us. Our guardedness is our prison's guard. One becomes a prisoner only after being judged. Within the mind it may be our own judgemental views that bar us from authenticity and freedom, imprisoning us without just cause.

Is not each human ego is a prison of the spirit? Our every fear imprisons and limits our willingness to dare and our ability to love. Our current identity is always the prison of our future self and our full potential. How much "time do you have to do" before you earn your freedom? Prison dreams challenge us to discover how we are confined and how we could break out and be free.

Psychic: Extended Senses (E.S.P.)

2007-03-11T16:11:00.001-07:00

Extra Sensory Perception was well acknowledged in the past by the classical philosophers as Plato, who included them amongst the Gnostic powers beyond the regular importance of the 5 senses.

There have been times in classical history when these skills were revered and associated with the gods. But at times in later history to our shame, we remember that anyone who demonstrated sensory knowledge beyond the average range was likely to be burned at the stake by the ever zealous agents of the orthodox and most powerful religion of the time, Christianity.

Certainly there were periods in ancient history when the inherent skills of particular individuals were harnessed and they were trained as seers within the temples, as in ancient Egypt. The priests of this particular era were particularly well versed in matters of the spirit and those who were respected possessed exceptional wisdom, as we learn from records. The role of these psychics and visionaries was seen as a sacred duty. It was mostly young priestesses who were trained to serve the country in this way, just as most psychics today are female. In ancient Greece the Delphic Oracle was famous and her work aspired to help the people of her country.

In modern times our understanding of these faculties is limited. Psychic faculties are only just beginning to be seen for what they are; as specially extended senses. E.S.P has been a curiosity and somewhat of an embarrassment to people who value the material world and revere the observed material sciences as their gods.

Even the Church has had problems of various kinds, including explaining some of the exceptional powers displayed by individuals. One such perplexity being in cases of levitation. If a monk, nun or priest within the Church levitated whilst in intense state of prayer or meditation - and this did happen, although rarely, the presiding bishop was instructed to command the poor subject to 'come down!' It was judged that if their response was immediate, then they became subjects for possible sainthood. If they didn't obey immediately they were branded to be 'of the devil.' And no one seems to know what occurred when the poor person didn't know how to reverse the happening and remained stuck to the ceiling!

There has been and still remains considerable ignorance about the psychic and spiritual powers that manifest through people who are sometimes conscious instruments and sometimes completely unaware of what happens through their mediumship. However, in India and no doubt many other cultures, the individual ESP faculties generally known as Siddhis, are well recognized, each identified and prized as an exceptional talent to be used ideally for exceptional purposes in helping others.

Modern psychics who function as amateur explorers in areas that are sometimes of dubious nature and value are generally viewed rather sceptically by most of us. The casual visit to the 'gypsy' at the fair is usually seen as a lighthearted venture.

Dedicated professionals who have trained and wish to offer their skill and experience in service are a different matter. These include wonderful people who are employed, or who voluntarily offer, to assist people with personal issues and private consultation, or to aid in helping the community. Some have been successful in helping police investigation of missing persons as well as cases of criminal activity. Although not always publicly acknowledged, many people in public office or positions of responsibility also value the assistance of a psychic.

Some psychics better known to the public through some sensational issue are frequently those who have been accurate with prediction of various kinds. Each psychic usually has a faculty that is specially developed such as clairvoyance, clairaudience or talents as seer or visionary. Public fascination with the subject continues. So does the serious work of those psychics with integrity, who have come to terms with their unusual abilities and have found ways of utilizing them for the benefit of others.

What is required now is that we co-operate with psychologists who are attempting to understand the subtler realms and to extend their knowledge about the human psyche. This will assist us all by helping to establish the psychic abilities as natural extensions of our senses. It will also help to make us more confident in utilizing the human faculties, which we may already have become aware of within ourselves.

Education Online and Computer eLearning Tools for Special Kids

2007-03-09T04:39:00.001-08:00

Special Kids require more teachers and assistants per students to assist them in learning. This is a challenge for school budgets as even the regular classes are often bursting at the seams with regards to student/teacher ratios. Tough choices thus, are sometimes made by administrators as the parents of regular kids and of special kids battle it out at PTA Meetings.

"Hey wait a minute; can we have some order here? We are all on the same team! This is about the kids not us." - Superintendent of Public Instruction in a town near you

Why can't we rely more on eLearning, computer tools, virtual reality and online education to assist in crossing the challenges of the teacher/student ratios and maxed out school budgets? My question to educators is what are your thoughts on Self-Esteem and eLearning in special cases?

My thoughts I think are much about the use of Virtual Reality, Avatars -congratulating kids. Do you remember that cool little device "toy" called; Speak and Spell? It congratulated the students when they go the answer right; "you are correct!" and what does the kid do? He or she has a big smile and makes a gesture. Even looks around to see if anyone noticed! Right, sure they do.

Now then if no one is there the student things; who cares, but if a Virtual Reality Avatar says, "you are doing really good and getting a lot better" then someone is there and that becomes not only a bonding with the computer, which will be necessary for "trust" and future mutual reliance, but it also builds self esteem.

It seems we need to cross more than the digital divide in eLearning, we need to cross the self-esteem and self-confidence divide you see? I certainly hope this article is of interest and that is has propelled thought. The goal is simple; to help you in your quest to be the best in 2007. I thank you for reading my many articles on diverse subjects, which interest you.

Space Camp for Your Children!

2007-03-07T11:46:00.001-08:00

Many of us growing up wanted to go to the NASA Space Camp in Alabama and of course that would not be easy, as the competition was severely tough. Recently one of our Online Think Tank members from the UK notified us that he was building a VR or Virtual Reality, 3D, Surround a Sound model, simulator of the Space Shuttle, he is in Europe. Cool stuff.

Indeed as a space enthusiast myself, I have visited Alabama Space Camp in my travels as a tourist, it is a really neat place. Did you know that in Mesa AZ, The Boeing Company donated a simulator to the school district and that is excellent. I agree that Space Camp will be needed as we all head for the stars soon, in our lifetimes.

Of course being a thinker type, I am a big fan of Arthur C Clarke, Ben Bova, Issac Asimov and anything space. Satellites to future mining equipment and AI Android Robots too, lots of technology forth coming now. One gentleman told me that he too wanted to go to Space Camp as a kid, but he did not get to go. Now he hopes that his daughter might go.

Actually he hopes she might visit the moon one day too. It is totally possible and she needs to study math and science too of course and I am sure he know that as well. How about you? Are your children going to be the first colonists on Mars? Do you have a favorite Sci-Fi author? I certainly hope this article is of interest and that is has propelled thought. The goal is simple, to help you in your quest to be the best in 2007. I thank you for reading my many articles on diverse subjects, which interest you.

Top 3 Nursing Continuing Education Providers in America

2007-03-04T16:15:00.001-08:00

When you start looking into nursing continuing education you will find there are many providers to choose from. In fact, there are so many options for a nursing education that you may feel overwhelmed at the options. Fortunately, a review of the top three nursing continuing education providers in America will help you see what providers are best. This list will cut down on your research time significantly since the work has already been done for you! Keep in mind, however, that there are a lot of outstanding nursing continuing education programs out there, in addition to online nursing continuing education programs, for you to choose from. So if the three listed here aren't what you are looking for there are still a lot of great programs to choose from.

The University of North Carolina at Chapel Hill

If you are in North Carolina or nearby and are interested in nursing continuing education credits then you should definitely consider The University of North Carolina at Chapel Hill. These on site classes educate students and are enjoyable as well. The University of North Carolina at Chapel Hill is a leading university in the nursing field and offers state of the art technology as well as outstanding professors and teachers. Of all the nursing continuing education providers out there the UNC at Chapel Hill nursing skill is one of the best.

WWW.CEU4U.COM

For those nurses interested in an online nursing education then www.ceu4u.com is a great place to get it. There are many courses offered and technical support is offered 24 hours per day and seven days per week. Individuals are able to study for their continuing education classes at home and log in on their schedule. A list of the classes you have taken and all of the credits you have earned at www.ceu4u.com are available on the website for you to keep track of your progress. The great news is that all states accept the credits that are offered by this nursing continuing education provider.

University of Delaware

The University of Delaware offers an RN refresher program, which is a bit different from the offerings of the continuing education providers above. This course is designed to help RNs who have been out of the nursing environment for some time to help them upgrade their skills and renew their license so they can get back to work. This online program is perfect for all those RNs out there who are ready to get back to work and just need a little refresher.

As you can see there are all kinds of nursing continuing education providers out there. Nurses can achieve nursing continuing education credits by attending courses in person or studying online. Choose whichever of these methods works best for you, in addition to what you need to study, and before too long you will have all the nursing continuing education credits you need!

Education: Inspecting The Inspectors

2007-03-03T06:08:00.001-08:00

In the United Kingdom there is a well tried and tested system, it appears, for determining the quality of British schools. Ofsted is the organization which is charged with inspecting schools on a regular basis and providing reports both to the schools and to the public detailing the successes and failings and any recommendations to improve the school for the sake of the pupils and the community at large. It now appears that Ofsted itself is in need of inspection and regulation.

Recent reports have suggested that inspectors used by Ofsted have not always been present in some of the classes and classrooms that they have been reporting on. In this instance, therefore, they are reporting on something that haven't witnessed and that may be, at best, second hand knowledge. The Ofsted inspection, for most schools and school teachers, is an arduous and harrowing experience. Under normal circumstances, several days or even weeks of preparation are employed in ensuring that the Ofsted inspection is met with the best possible response.

This in itself may seem artificial – the school presentation is fitted to the inspection rather than being an inspection of what the school life is really like. Now added to this, we set that Ofsted itself cannot produce reports that can be classed as fully reliable, at least in some instances, and we now need to inspect the inspectors. The situation could hardly be more comical and frightening.

How long will it be before we need inspectors to inspect the inspectors that are inspecting the inspectors?

Credit Cards For Bad Credit

2007-02-28T19:09:00.000-08:00

With all the confusing offers directed towards consumers with credit problems, finding credit cards for bad credit can be a confusing task. One manner to begin is to see applying for a secured credit card. Often this tin be a good first measure towards getting the benefits of a credit card, while rebuilding your credit rating.

Visit www.easy-approval-credit-cards.com to learn more than about bad credit credit cards available for those who have got bad credit.

A secured credit card is a guaranteed VISA or MasterCard that have been secured by a sedimentation to the issuer's bank. Generally, you must lodge an amount, ranging from $300 to $5000, in a low-interest redemptive account or cadmium to secure the credit card.

You then have a credit line for up to 100 percent of your account balance. Each bank have its ain demands for how much you can lodge for your credit line. The bank issues you a credit card using your sedimentation as security.

Unlike many advertised credit cards for bad credit, you are almost guaranteed to have got a secured card unless you just have truly tragical credit. A major credit card, paid on clip over clip is the strongest credit mention you'll ever have. As a matter of fact, for edifice good credit, it's level better than a mortgage or car loan.

Note: This article may be freely reproduced as long as the writers bio paragraph at the underside of this article is included, the article is published “as is” (unedited) and all URL’s are made active hyperlinks with no syntax changes.

Chose a Credit Card Wisely

2007-02-26T19:14:00.000-08:00

When choosing do certain its 1 that suites your lifestyle and that it works with you not against you. Always attempt to pay off monthly if you can and this volition aid your finances and cash flow. If you look at credit in contrary and state well I could salvage state $50.00 a hebdomad then this volition give you a good usher on how much you could pay back on your credit card a month. Always travel for a low APR and expression for the best option for you. Some Credit Card's have got a Rewards program, you'll earn 5% Cash back Bonus others give you gift certificates. So maintain a acute oculus out for the different offers that lawsuit you. A antic new resources web land site called www.americancreditdirectory.com have got 100s of Credit Cards to chose from many with no annual fee's and presentation clip periods up to 12 months, Air Miles, and 0% presentation APR.

You must inquire yourself “ Bash Iodine Need a Credit Card” Here are some things to believe about…

For buying over the Internet is a existent must to have a Credit Card as most of the time you will be asked for one. With the ever increased security nowadays it is very safe to purchase online as long as its from a reputable company.

You habit have got to walk around with large sums of money of cash on you and take the hazards that come up with that. Taking a Credit Card on holiday or on business intends you will not have got to worry about exchange rates and getting local currency. Also for emergencies, cash backdowns and spreading the cost of a large payment or that unexpected out lay. Credit Cards can be a existent safety network if used correctly.

Some of the terminology used can be a spot confusing but here are a few pointers for you.

The APR or Annual Percentage Rate intends simply the rate of interest you will pay on the balance outstanding.

Balance transfer intends that if you have got another Credit Card you can do huge nest egg by transferring you balance to a new card. Some offer 0% for up to 12 calendar months as I mentioned earlier. So used correctly Credit Cards can be a great thing, especially if you can pay the balance off. I utilize mine all the clip and never utilize cash unless its for small things, then I pay it off as my wage travels into the bank, so I earn max interest on my Bank Account. If you have got a Mortgage that offsets the money in your account to what you owe then you can even pay your Mortgage off quicker economy even more than money.

Credit Card Offers - The Top 3 Benefits To Spot

2007-02-24T19:06:00.000-08:00

Hardly a twenty-four hours will travel by without you getting an offer to apply for a credit card, either by the traditional mail service or online. If this is something you are considering doing, there are respective key issues that you need to understand before you make up one's mind which credit card offer is right for you.

All credit card offers will offer benefits. Determination the 1 that tantrums your needs is the key!

Let's discourse a few of the things you should be aware of before you apply for any credit card offer.

1. What Make You Need The Card For?

This is the first and most of import inquiry you should inquire yourself. Your reply will assist to make up one's mind just what type of card and what inducements will work best for your needs.

For example, if it is for business use, expression for a card that offers a cash-back for business purchases or rank to a price reduction purchasing club. Most companies will offer a low introductory rate for a specified amount of clip but you need to cognize what it leaps to when that said clip have expired. It may work best for your business if you happen a long-term, more than moderate interest rate than be stuck changing cards every few calendar months to maintain your interest in check.

If the card is for personal use, make up one's mind why and for what make you really need it for. If you be after on using it instead of cash and checks throughout the calendar calendar month but program to pay it off each month, cognize what the card's saving grace time period is and what haps if you lose it.

Pick a card that offers reward points even if you don't carry a monthly balance. This tin be a great manner to rack up the frequent circular miles as long as you're disciplined enough to utilize it this way.

2. Know The Interest Rate

Many card companies will offer an initial interest rate that is quite low, sometimes even 0%, for a designated clip period of time. This rate usually uses to both transferred balances and new purchases.

What you need to cognize is what haps after the introductory form have ended. Volition the interest then skyrocket? Volition the interest rate be more than moderate as long as you have got a good payment history? Look for concealed costs such as as an annual fee or a cash advance fee. These are of import to cognize if you be after on using your card effectively.

3. Incentives

Many cards also offer a whole listing of inducements with their application request. Although many of these are nice, usually you have got to utilize your card a great deal to get them. This tin go a sort of trap. You know, purchase more than than to salvage more.

If you're going to utilize your card anyway, then you might as well have got something to demo for it. Look for cards that offer inducements that interest you and you would actually use.

Is An Instant Credit Report For You?

2007-02-22T19:05:00.000-08:00

So what exactly is the difference between a regular credit report and an instant credit report? I was funny about the reply since every clip I looked into obtaining my credit report, I establish certain websites enthusiastically offering an instant credit report. What I establish was that most credit reports actually are instant, so it doesn’t matter. Obviously, the difference is time. The clip is mostly determined by the word form in which you be after to have the credit report.
Your credit is tracked by three chief credit reporting agencies: Equifax, Experian, and Tans Union. By law, you are entitled to a free transcript of your credit report once every year. You can obtain the report through the federal government. Whether or not it is an instant credit report depends on how you order it and how you take to have it. Whether you desire a printed paper by mail or an electronic mail with the information will play a large function in whether or not your report will be quick, and therefore, instant.
If you take to get your credit report through on line intends and then have got it emailed to you, it will be an instant credit report. The information is available to the reporting agencies, and no matter which one you take to use, or if you take all three, the information is immediately available and can be tracked via your societal security number, name, and address. Once that information is given to the agency, their database can make it almost instantaneously. This means, then, that what you have got is an instant credit report.
Another manner to obtain your credit report from the agencies is to compose to the Federal Soldier Trade Commission. Perhaps you make not trust your information going over the internet. If that is the case, you can compose to the authorities and get your free annual credit report. The information will be processed and the report will then be mailed to you. The full procedure may take respective weeks, so what you have could not be considered an instant credit report. However, using the mail to bespeak your credit report may do you experience a small safer than the internet.
A 3rd manner to get your credit report would be by calling. You can name the Trade Committee or one of the agencies. Again, you are entitled to a free report every year, purchase how you travel about it is up to you. If you call, you will still need to submit your name, address, and societal security number to get a transcript of your report. By using the phone to put your order, it won’t take as long as authorship in for it, but it will still take clip as they will have got to mail it to you still. Therefore, it still wont be an instant credit report.
We dwell in a human race that is focused on instant gratification. When it come ups to getting your credit report, you can accomplish the instant gratification, but only if you take to make it online. Online, you can get your instant credit report by visiting the Federal Soldier Trade Committee website or, perhaps, the websites of one of the major reporting agencies.

The Best Credit Card - Shopping For A Credit Card

2007-02-20T19:43:00.000-08:00

Credit cards are just like any word form of credit, you should shop around to happen the best deal. Depending on your situation, you may desire to happen a card with low rates, a reward program, or a 0% APR for transfers. Brand certain you look at respective credit card companies to happen the best deal for you.

Comparing Programs

Credit card companies offer respective different types of inducements to lure you to open up an account with them. These rewards can salvage you money or earn you trips or cash back. If you be after on always paying off your monthly balance, then a reward program, such as as airline miles or cash back, may be for you.

If you be after on carrying a balance on your new credit card, then look for the lowest rate. You will desire a no falderal card with no annual fees. You can also take a card with a low introductory fee, usually permanent six calendar calendar months to a year, if you be after to pay off the balance soon.

For transfers, expression for offers of 0% APR. These offers typically last for six to twelve months, but they can salvage you a package on interest. However, be aware that rates on these cards can hit up after the saving grace period.

Finding Credit Card Companies

I’m certain you have got received respective credit card offers in the mail this week, but you can happen better deals online. The major funding companies offer particular reward bonuses and particular programs for students or small business owners.

Look at what each credit card company is offering along with their rates. You may also desire to take a card that you don’t already have. While American Express and Discover offer first-class rewards, they aren’t accepted by everyone. Plan on having at least two different types of cards.

Always Watch For Deals

Once you have got your credit card, go on to look at credit card offers. You may happen an especially low rate or a good rewards program. You can easily apply for the card, then fold an old credit card account. While having respective different types of credit lines are good for your credit history, too many unfastened credit card accounts can ache your score. To see our listing of most suggested credit card companies online, visit this
page: Recommended Credit
Card Lenders Online.

Finding the Best Credit Card

2007-02-18T19:28:00.000-08:00

When you begin your Hunt for the best credit card what you're really searching for is the best credit card for your peculiar state of affairs and needs. You may, for instance, be person whe travels a batch for business or pleasure. Travel credit card price reductions may be the best credit card option for you. You may be person who have bad credit. There are credit cards especially designed for folks like you - these would be the best credit card options for your circumstances.

If you are a shopaholic, for example, the best credit card for you might be one that gives rewards in the manner of inducements and percentages back on purchases. Of course, there are some things that do a card the best credit card for many, if not most, credit card users. These are the 1s with the lowest APR (annual percentage rate) and the lowest annual rate. Some cards - in fact, many - have got no annual rate at all. One such as card may turn out to be the best credit card for you, assuming that there aren't hidden fees that ultimately cost you more than than you've saved in lower APR or annual fee.

Keep in mind, though, that the better your credit history, the lower the APR you're going to happen on a credit card. If your credit is poor the best credit card you're going to find, unfortunately, is going to be one with a higher than average APR. That is, until you better your credit standing. There are alternate credit cards for this situation, too.

Other factors to see in determining the best credit card for you is whether you generally pay off your credit card debt each calendar month or whether you carry over a balance each time. The ground this is an of import factor in deciding the best credit card for you is that some credit cards offer a saving saving grace time period on this carryover - others make not, and, in fact, tack on brawny punishments for doing
so.

Fleet, AFB Industrial and Wachovia Bank all have got twenty twenty-four hours grace time periods on their credit cards - clearly the best credit card pick for those who don't pay the balance each month. All other factors being equal, of course.

Another best credit card factor to be considered is whether you typically utilize your credit card for cash advances. This rate can change considerably, and some even have got no fee attached to a cash advance request. This, like anything else, depends on credit rating. USAA's best credit card offer for cash advances, for example, is a free cash advance. It's highest percentage fee is nine percent. Fleet and Wachovia both charge four percent.

The other of import factor in determining your best credit card is how much traveling you do. If you're flying the friendly skies on a regular footing a credit card that allows you rack up credits for each flight you take may salvage you more than than opting for one that doesn't whose APR is lower, or the annual fee less costly.

Sound Advice For First Time Credit Card Users

2007-02-15T19:06:00.000-08:00

If you are just entering the human race of credit cards, there is of import information you will need to cognize in order to manage your credit and your finances effectively. Establishing good wonts and a good credit history now is the foundation for a solid financial future. Applying for a credit card in your ain name can assist you set up a sound credit history and will be a valuable plus in applying for a loan for a home, new car, or getting a new occupation or apartment. In addition, there is no safer manner to do purchases online or over the phone than with a credit card.

Along with the benefits of having credit cards, come ups added responsibility. If you abuse your credit cards or neglect to take duty for your disbursement habits, you could stop up in serious financial trouble. Learning how to take the credit card that is right for you is your first step. There are numerous credit card offers from which to choose, and it can be confusing to cognize which is the best one for you. Bash not take a credit card simply because of a low introductory rate or generous rewards. A low introductory rate will increase sharply when the introductory time period is over, and many modern times these types of cards have got annual fees and further costs that are not made clear in the initial offer.

Know the terms of your contract with the credit card company. Interest rates and late fees can cause your balance to lift considerably and making the minimum payments will not assist you pay off your credit card debt. If you do a batch of purchases with your credit card, it will be necessary for you to pay your full balance each calendar month if you desire to avoid further fees. Some credit cards raise your interest rate if your balance transcends a certain amount, and will charge you numerous late fees and other miscellaneous charges if you transcend your credit limit, even if the ground you are over your bounds is owed to fees and penalties.

You should cognize exactly when you will be billed each calendar month and set up to direct your payment in respective years before the owed date. Late payments will ensue in further fees and could reflect badly on your credit report. Even if you be after to make your payment online, program to do so at least 5 business years before your measure is owed to avoid any possibility of late payments. It is very alluring to utilize your credit card for cash advances. You should avoid cash advances except in the lawsuit of emergency. Cash advances generally come up with a higher interest rate than regular purchases and you will be charged an further fee for each cash advance. Even if your interest rate is relatively low, the rate you are charged for amounts resulting from cash advances can be significantly higher.

Be very careful about how and when you utilize your credit cards. Never loan your credit card to friends and do certain you protect your card at all times. Identity theft and credit card fraud are major problems. You will need to take the appropriate safety safeguards to avoid either of these situations. When your monthly statement arrives, do certain you have got kept all of your gross and check your gross against your bill. If you happen any errors, report them immediately to your credit card company. You can learn to manage your credit wisely by practicing good credit wonts now. Credit cards are almost a necessity in our society, but in obtaining credit you must learn good disbursement wonts and do smart financial decisions.

Poor Credit Credit Cards

2007-02-13T18:59:00.000-08:00

People who have got got bad credit have many more than credit card options today than they did just a few old age ago. Maybe this is contributed to the theory of supply and demand or maybe the credit card companies just realized how much more than money they can do by charging high interest rates to people with bad credit. I personally believe it may be a small of both.
But no matter what the ground why, there are many credit card companies willing to allow credit to people with bad credit these days. This is good intelligence to those with besmirched credit records. But people with bad credit should measure what actions got their credit into bad form in the first topographic point before applying for more than credit. For many people their bad credit is owed to uncontrollable fortune like the loss of a occupation or medical reasons. But for other people, their bad credit is owed to irresponsible financial decisions. If you have got bad credit and it was caused by the second reason, it is imperative that you change your credit habits. Otherwise you will never better your credit score and will always stop up paying high interest rates and fees. Higher interest rates are obviously the terms you have got got to pay in order to obtain a credit card if you have bad credit. Fortunately, if you are responsible with your bad credit credit card and do your monthly payments on time, over clip you can better your credit score and eventually get a lower interest rate. Brand certain that the bad credit credit card you are applying for frequently reports to the major credit bureaus. This volition see that your credit score will better as quickly as possible by having your positive payment activity reported.
There are credit card websites that have got got researched the best bad credit credit card deals available and have listed them in an easy to read format. Visit www.amex-visa-mastercard.com to look at the details. Many of the bad credit credit cards listed on this land site make monthly credit agency reporting.
We have got all tally into hard modern times and made errors with our credit activity. Thankfully there are bad credit credit card offers available that volition still give you the freedom of having a credit card along with giving you the opportunity to reconstruct your credit.

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Balance Transfer Credit Cards: Are They Right for You?

2007-02-11T19:15:00.000-08:00

If you are carrying a balance on one or more credit cards you already have, you may want to think seriously about applying for a new 0% balance transfer credit card offer.

Now you may be wondering how an issuer can possibly offer 0% balance transfers on credit cards, but it’s true. Many leading banks offer interest free balance transfers. That’s right, you can transfer balances from your current credit cards onto the new card that you apply for and pay 0% interest on the balance for up to 12 months. What’s more, some programs have absolutely NO fees to make the transfer, though you must qualify by having excellent credit. Other programs charge a 3% fee of the amount you transfer, but many banks commonly cap the fee at $75. That means that transferring more than $2500 will not cost you any additional fees.

Determining If a Balance Transfer Credit Card is Right for You

There may be a few cases when some consumers do not benefit by transferring to a zero interest rate card. For example, if you carry only a small balance from month to month and you intend to pay it off soon, it may be better to choose another credit card that offers a different benefit such as frequent flyer miles or bonus points good for merchandise, since the 0% interest savings are minimal for you.

But in most cases, taking advantage of a 0% credit card offer is a great deal. After all, why continue paying interest on your credit card balance with one bank when another bank is offering you 0% interest? There is no logical reason not to save yourself money.

The Benefits of a 0% Balance Transfer Credit Card

1. Paying 0% interest for 12 months can provide relief if you need to devote your cash to other expenses. With 0% interest, your monthly minimum payment is actually less than a credit card that charges interest, because more of your payment goes to paying off your principal each month rather than to paying the interest fees.

2. Alternatively, a 0% interest credit card allows you to pay down your debt more quickly because you might be able to increase your monthly payment since you no longer are paying interest for one year. For example, if you transfer $5000 to a 0% card, and your previous card had a 12% APR interest rate and a 3% minimum balance due payment, you would have spent $538 in interest fees over the year. But with the 0% card, you can choose to pay that extra $40 - $50 per month towards your principal, and thereby reduce a sizeable chunk of your debt.

3. Similarly, a 0% interest credit card might even allow you to pay off your balance with less each month if you chose to do this. For example, if you transferred $5000 and intended to pay if off over 1 year, you would need to pay $444 / month with a 12% interest card, but only $416/ month with a 0% interest card, a savings of $28 per month.

An Important Caveat

Please note that with any of the 0% balance transfer credit card offers, you must commit to making your payment on time each month. If you miss a payment or are late, you risk losing the 0% rate and you may find yourself paying a higher penalty interest rate on balances owed, so pay attention to your credit card statements and make your payments on time.

All in all, the savvy consumer should take advantage of the best 0% balance transfer credit card offer he or she can find. The best course of action is to look on the Internet for 0% card offers and assess the best choice for yourself, such as the Citibank Platinum Select Visa (with no transfer fees), or the Chase Platinum Visa, or HSBC Platinum MasterCard to name a few. It is recommended that you apply for the best card your credit history can qualify for and transfer as many balances as you can to take maximum advantage of these offers.

Credit Card

2007-02-10T19:00:00.000-08:00

A credit card offers just that -credit, the right to borrow finances from a lending institution. When you do a purchase or retreat cash (usually called a cash advance), finances are drawn from your "line of credit." You pay back the amount you borrowed or "charged" each month, or carry over to the adjacent calendar calendar month (revolve) a certain amount that was borrowed and you are assessed an interest charge.
You are then responsible to pay the interest charge as well. Credit cards carry a trade name logotype (e.g., Visa, MasterCard, American Express, etc.) and are accepted by participating merchants. When you utilize your credit card, the transaction necessitates a signature.
By contrast, standard atmosphere cards allow you retreat money from your account when you do a purchase. Secured credit cards are essentially a combination of the two. They look like a credit card, but you must first sedimentation money with the card company. The amount of money you sedimentation goes your credit limit.
Choosing the right credit card for you can be too easy. Unless you dwell in a cave without mail, Internet or phone service, you are probably on the receiving end of tons of credit card offers every year. Some of these offers may look like good deals but have got attributes hidden in the mulct black and white that do them a bad choice. That is why it is always of import to research the best credit card offers available for your situation. -------------------------
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Desperate For A Credit Card? How To Have Any Credit Card You Desire

2007-02-08T18:51:00.000-08:00

As discussed in my popular report, "How to obtain a first social class credit rating", starting with small more than than $500, it is possible to construct up your credit evaluations with banks to allow you to borrow considerable sums of money of money.

As long as you have got got always made payments by the agreed time, if not sooner, you can travel to yet another measure in the credit procurance programme.

Begin with a Visa or Mastercard from all the banks that you have borrowed from. After all, they have got seen that you are able to manage credit, and this volition be reflected in your credit rating. Then apply for credit cards from any other bank which supply cards.

You will detect that some credit cards offer a discriminatory rate of interest. This is because they wish to attract new customers, who will then consolidate their borrowing from respective beginnings into this new, lower interest credit card.

On applying to the bank issuing this lower rate card, the bank might presume that you are going to consolidate all your borrowing into this account, and with your first-class credit evaluation will publish a card with small fuss. Once you have got got received the new lower interest card, you are under no duty the cards you already have.

As mentioned in my other report, apply for and obtain as many cards as you get. Providing that you have got got kept to your repayment understandings on all loans and cards, there is no ground why you should be refused any cards for which you apply.

Once that all of import credit evaluation have been achieved, as we outlined in "How to obtain a first social class credit rating", credit card companies will see you as a good risk, and from their point of view, will be eager to have you as a card-holder. After all, they trust to do money out of you.

Once a first social social class credit evaluation have got got been achieved, from clip to time, credit card companies that have you assessed as a good risk, will sell your name and computer address to other card companies within the financial grouping to which they belong, or to others who are not directly in competition to them.

In other words, other credit card suppliers will be eager to take you on board because you are a good risk, and they in bend hope to do money out of you.

If you have ever been refused a credit card, this must be bothersome - so the sooner you get your programme of creating a first class credit rating, the sooner you can turn the tide of how banks and lenders rate you.

Chose a Credit Card Wisely

2007-02-07T19:01:00.000-08:00

When choosing make sure its one that suites your lifestyle and that it works with you not against you. Always try to pay off monthly if you can and this will help your finances and cash flow. If you look at credit in reverse and say well I could save say $50.00 a week then this will give you a good guide on how much you could pay back on your credit card a month. Always go for a low APR and look for the best option for you. Some Credit Card's have a Rewards program, you'll earn 5% Cash back Bonus others give you gift certificates. So keep a keen eye out for the different offers that suit you. A fantastic new resources web site called www.americancreditdirectory.com has hundreds of Credit Cards to chose from many with no annual fee's and intro periods up to 12 months, Air Miles, and 0% intro APR.

You must ask yourself “ Do I Need a Credit Card” Here are some things to think about…

For purchasing over the Internet is a real must to have a Credit Card as most of the time you will be asked for one. With the ever increased security nowadays it is very safe to purchase online as long as its from a reputable company.

You wont have to walk around with large sums of cash on you and take the risks that come with that. Taking a Credit Card on holiday or on business means you will not have to worry about exchange rates and getting local currency. Also for emergencies, cash withdrawals and spreading the cost of a large payment or that unexpected out lay. Credit Cards can be a real safety net if used correctly.

Some of the terminology used can be a bit confusing but here are a few pointers for you.

The APR or Annual Percentage Rate means simply the rate of interest you will pay on the balance outstanding.

Balance transfer means that if you have another Credit Card you can make huge savings by transferring you balance to a new card. Some offer 0% for up to 12 months as I mentioned earlier. So used correctly Credit Cards can be a great thing, especially if you can pay the balance off. I use mine all the time and never use cash unless its for small things, then I pay it off as my salary goes into the bank, so I earn max interest on my Bank Account. If you have a Mortgage that offsets the money in your account to what you owe then you can even pay your Mortgage off quicker saving even more money.

Credit Card Offers - The Top 3 Benefits To Spot

2007-02-06T18:48:00.000-08:00

Hardly a day will go by without you getting an offer to apply for a credit card, either by the traditional mail service or online. If this is something you are considering doing, there are several key issues that you need to understand before you decide which credit card offer is right for you.

All credit card offers will offer benefits. Finding the one that fits your needs is the key!

Let's discuss a few of the things you should be aware of before you apply for any credit card offer.

1. What Do You Need The Card For?

This is the first and most important question you should ask yourself. Your answer will help to decide just what type of card and what incentives will work best for your needs.

For example, if it is for business use, look for a card that offers a cash-back for business purchases or membership to a discount buying club. Most companies will offer a low introductory rate for a specified amount of time but you need to know what it jumps to when that said time has expired. It may work best for your business if you find a long-term, more moderate interest rate than be stuck changing cards every few months to keep your interest in check.

If the card is for personal use, decide why and for what do you really need it for. If you plan on using it instead of cash and checks throughout the month but plan to pay it off each month, know what the card's grace period is and what happens if you miss it.

Pick a card that offers reward points even if you don't carry a monthly balance. This can be a great way to rack up the frequent flyer miles as long as you're disciplined enough to use it this way.

2. Know The Interest Rate

Many card companies will offer an initial interest rate that is quite low, sometimes even 0%, for a designated period of time. This rate usually applies to both transferred balances and new purchases.

What you need to know is what happens after the introductory phase has ended. Will the interest then skyrocket? Will the interest rate be more moderate as long as you have a good payment history? Look for hidden costs such as an annual fee or a cash advance fee. These are important to know if you plan on using your card effectively.

3. Incentives

Many cards also offer a whole list of incentives with their application request. Although many of these are nice, usually you have to use your card a great deal to get them.
This can become a kind of trap. You know, buy more to save more.

If you're going to use your card anyway, then you might as well have something to show for it. Look for cards that offer incentives that interest you and you would actually use.

Eight Steps to Financial Freedom - Part One

2007-02-04T18:56:00.000-08:00

Imagine what you could do in your life if you had financial freedom. Perhaps you would never work again. Or you would work, only it would be what interested you. Perhaps you would get that house, or car, or boat you dreamed of. And the best part would be that you wouldn't have to worry about how you were going to afford these things.

Financial freedom is a great thing, it really is. But to get there it takes work, and if you aren't prepared to put in that effort, then there's no point in reading on. But if you do read on, you'll learn that although it takes hard work to get financial freedom, the steps to it aren't that many.

Step One - "Know thyself".

That's it in a nutshell. What it means is, you've got to take some time out to think about what you want out of life. What are your hopes and dreams? You also need to think about who you are and what it means to be you. What are your strengths, what are your limitations? Where do you want to improve, to grow? What are you interested in, what matters to you? What are you not interested in? And, of course, what does 'financial freedom' mean to you? Take a notepad or a journal and write your answers to these questions. Just write, without hesitation. Keep writing. Then take a break, come back to it later and add some more thoughts. The more you understand yourself, the more solid your foundation for success.

Step Two - "Show me the money!"

To paraphrase Charles Dickens, if your annual income is $20,000 and you're spending £20,001, that's misery; but if your annual income is $20,000 and you're spending $19,999, that's happiness. So you need to know what you are spending and what you are earning. Not just in the big picture, but in the detail. You need to know what you are spending on clothes, treats, meals out and yes, on debt. Either keep a daily notebook, use a computer worksheet, or invest in a package like Quicken, and track your spending and your income in all the gory detail. You'll probably surprise yourself at the way money is leaking out in all different directions. But until you know what's happening, you'll stay powerless to do anything about it.

Step Three - "Eliminate the Negative"

Now you know where your debt is, how much you are spending on it, and where else the money is leaking away from you it's time to start taking control. Take two steps to do this. First, reduce your spending. Do whatever it takes: cut up your store cards (and most of your credit cards); set yourself a weekly cash budget (don't carry checks and cards around with you) and when you run out of your weekly allowance that's it, no more; identify those things you can cut out (magazine and club subscriptions; take-outs; whatever, be ruthless). Second, put all your debts, where possible, into one place. Consolidate those five or six card debts either with a low interest loan or with a low or zero interest balance transfer credit card. Sometimes a balance transfer card can be better than a loan, provided you have the discipline to pay it off in good time or you remember to keep switching to new balance transfer deals.

Step Four - "Accentuate the Positive"

So you've started to take control. The next thing to do is place that control on firm foundations with some good planning. First, set up a spending budget that covers all your outgoings (easy with a program like Quicken) and stick to it. Second, if you have any debts to pay off, set up an automatic payment to come out of your pay check the day it goes into your account - that way you won't miss it. Third, set up a savings plan. That's right, even though things are tough and you're still in debt, set up a savings plan. Find the highest interest account available and start paying in (again set up an automatic payment). It doesn't matter if it's a dollar a week or $100 a week, the key is to save something. You might think it's best to use any spare cash to pay off your debts, but the point of saving something is not - at this stage - to build wealth. The point is to pay off your debts and feel positive about it. Saving just a dollar a week is a positive thing you can do; it's a way of telling yourself that you aren't a slave to your debts, that you are actually in control of your finances and you can stay in control of them.

When you have paid off your debts, that's when you are in a position to move on to building up your wealth so that you can have financial freedom. We'll explore strategies around that in the Steps to Financial Freedom Part Two

Timing is Everything

2007-02-02T18:53:00.000-08:00

As we travel closer and closer to the concluding execution of the Bankruptcy Reform Act, many United States citizens are making a huffy elan to their local attorney's office. Rightfully so, as the Bankruptcy Reform Act volition establish many changes that will ultimately do the declaration of bankruptcy a much more than hard task. But as you chew over the impression of a inundation of bankruptcy filings, also recognize that many of the major credit card issuers in the country are making changes to their guidelines that volition cause monthly payments to travel up and in many cases, almost double.

For old age minimum payments have got been put at roughly 2% - 2.5% of a people entire debt. So if you owed $10,000 you were paying roughly $200 per month. Now with guidelines changing a individual could be required to pay 4% Oregon more than each calendar month towards their credit card debt. Using the same illustration that would intend that the same $10,000 debt would necessitate a $400 payment each month.

Although it is not an astronomical change, for those people who are living minimum payment to minimum payment this could be a disabling blow to their wallets. Another thing to see is that most people are unaware of this approaching change, meaning that they may or may not be able to do that payment on time. As we all know, if you don't pay on time, you will pay the fine.

Realize as well, that being charged a late fee is almost always coupled with an interest rate hike. This 1-2 poke from credit card issuers have an eery timing about it. The authorities is going to do it more than hard for people to declare bankruptcy, and the banks are making changes that mightiness cause more people need bankruptcy. It isn't hard to see how these two changes together can, and most likely will, have got a dramatic impact on the remainder of the United States and our commerce. No matter what the result turns out to be, it is quite evident that timing is everything.

For more than information delight visit: solveyourcreditproblems.com

Credit Scores - Do They Really Matter?

2007-01-29T03:03:00.000-08:00

By Rich Ruzic

Well, like it or not the answer is Yes. Unfortunately they actually play a bigger role in our lives than most people realize. Not only are your credit scores factored in when looking for any type of financing, they also come into play in other areas such as insurance and employment.

In today’s technological world everything is centered on being as efficient and productive as possible, in other words, let the computers handle as much of the workload as possible. Since we all know that computers are not at the point of being able to reason or make decisions based on judgment, it stands to reason that computers must be fed a number of facts before a decision can be made. One of those primary facts is your credit score. This is a number between 450 and 850 made up of a number of complex factors (so many factors that even most credit company insiders cannot tell you the formula used) that basically predicts how well you will pay. The higher the number, the more likely you are to pay your bills.

Insurance companies are interested in this because they bill out most of their premiums. In other words, they become one of the many bills received every month and they want to know how likely you are to pay the bill. If your score is below a certain level one of two things could happen; you will be turned down for the insurance or you will be charged a higher premium to offset the risk that based on your score you may not pay the bill. As you can see neither of these option are preferable.

Employers like to see higher credit scores because to them it represents stability. This is especially important for climbing the corporate ladder into management positions and outside sales where a person may not be supervised at all times. If you will notice on almost any employment application these days you are authorizing the potential employer to check your credit, read the fine print.

These are just two examples outside of the loan process, which almost always will involve your credit scores, that shows how your scores can save or cost you money. So what does this mean? Know where you stand. Know what your scores are and learn how to keep them as high as possible. This could potentially save you thousands of dollars in fees, interest, premiums, etc...

Here is one little bit of information that will help your scores tremendously; keep your balances on your credit cards below 75% of the credit line. In other words, if you have a credit card with a $1,000 balance, keep your balance below $750.00. Credit cards can be very dangerous to a consumer and it is usually the first thing that does not get paid when someone is struggling financially. Because of this credit cards are weighted heavily in your credit score and higher balances usually indicate that someone is having to use the cards to survive or is spending out of control. Keep your balances low to avoid a major hit in your credit score. Use this and any knowledge you can get your hands on to keep your scores high and enjoy the savings.

Rich Ruzic has been in the mortgage business for 15 years and publishes articles on the subject for both individuals and corporations.

http://www.loaninfonline.com

Eliminate Debt Through Credit Cards with Low Interest Rates

2007-01-23T02:16:00.000-08:00

By Peter H. Wilson

Credit cards are great inventions, as long as they are properly used. If you can obtain a credit card with a low interest rate, you can really use it to your advantage. Even though you may have been working with the same credit card company for a long time, it may be worthwhile to shop around with new companies to see if you can obtain a lower interest rate.

It's not just Visa and Mastercard these days. There are so many credit card companies to choose from and so the competition is fierce. They have to offer all sorts of incentives in order to attract customers. With this kind of competition, you, as the consumer, are sure to find a credit card with a low interest rate. The rate you obtain will depend upon your credit rating. But you don't know how each company will view your rating. If you have a few marks against your credit, you may still obtain a rate that is better than the one you have, if a credit card company is anxious to get your business. The only way to know is to ask.

Most people who have credit cards carry a monthly balance on their cards. If you do too, you will be much better off with a lower interest rate to save money. Let's say you have decided to get out from under credit card debt, and so are paying off a bigger portion of the debt each month so you can pay it off completely. This will be accomplished much more quickly if you have a lower interest rate. You may even be able to obtain a zero percent interest credit card. These kinds of offers are made to induce you to transfer the balances you currently carry with another company. With an interest rate like that, you can very quickly pay down the debt.

If you are one of those people who make sure to pay off their credit card balance each month, you may feel that a lower interest rate is of no benefit to you, since you never pay interest anyway. But, you should always be prepared for the unexpected, and if you did have problem one month where you couldn't pay the whole balance, it would be better to carry that balance over at a low interest rate.

The offers of very low of zero interest rates are just incentives to get your account, so they are usually just for a six month or twelve month period. If you use the period to pay off all of the credit card principal, you will really save a lot of money, and plus be free of credit card debt. Watch out, though, once the introductory period is over, the rate will increase. The credit card company has to advice you when the rate is increasing, but if you are not watching out, you may be back into a high interest rate card.

If it is possible, it is best to pay off your whole credit card balance each month and have no interest to pay at all. You will save a lot of money on interest over the years. If you pay only the minimum on the balance, you must realize that you are extending the debt further and further and paying more and more interest. Imagine how much money you can save if you had a low interest rate credit card. If you have any questions about the rate on your credit card, or how interest is calculated, just contact your credit card company. This call may avoid problems in the future.

The technical writer Peter J. Wilson is specifically interested in questions about investing. His articles on how to eliminate credit card debt can be discovered on http://www.debtania.com .

Are Too Many Credit Applications Bad For Your Credit Rating

2007-01-14T22:37:00.000-08:00

By Alex Lowe

Even if you manage your money wisely, too many credit applications can have an adverse effect on your credit rating, especially if you are making these within a relatively short period of time. Many people do this as they are seduced by the many good offers which they perceive at any given time as all the card companies try to compete for additional business. However, applying for multiple cards within a short time span does impact negatively upon your credit rating so it’s wiser to do your homework on the comparison sites and stick to only making one or two (at most) applications in quick succession.

As a general guideline, wait a few months between applying for alternative sources of credit. This also includes mortgages, loans, store cards as well as credit cards an even a mobile phone application.

Whenever you make an application for any kind of credit, a ‘footprint’ is added to your file. This notification is then visible to the next provider that comes to look at your file as a result of another application for credit. They can then also view your credit history, see what other credit cards and financial obligations you have, what the limit of the credit is on each and what the balances are. They are also able to check on whether or not you pay off your cards in full each month or if you are simply making the minimum repayments. Therefore, if you are making applications for credit in rapid succession, they may deem that you’re becoming more of a higher risk and, therefore, you may not get offered the preferential rate you’d bargained for which they can offer to other customers who they deem pose less of a risk.

It is estimated that over 2 million people in the UK are at risk of damaging their credit rating by repeatedly making applications for a credit card after they’ve been turned down previously by the same lender. Having too much available credit indicates to lenders that you may be over-reaching your capacity to make the repayments on all your financial obligations.

So, there are a few golden rules to enable you to maintain a good credit rating in addition to avoiding making multiple applications for credit.

Firstly, try to pay off in full, or at least reduce, all of your outstanding balances each month if you can afford to. This is an indication to lenders that you are managing your money well and that you only borrow sums which you can afford to repay. This will have a positive impact upon your credit score.

Try to pay off in full any credit cards which have the highest rate of interest and then cut them up. Holding multiple credit cards with high balances on is an indication to lenders that you may be over-stretching yourself.

And, although this might seem painful, work out a budget and then stick to it!

There's no doubt that Alex Lowe has some great advice on managing a bad credit rating. You'll benefit by reading her bad credit guidance on the website http://www.completeconfidence.co.uk

How Can I Improve My Credit Rating

2007-01-09T01:06:00.000-08:00

By Ryan D.

How can I improve my credit rating is something that get's asked a lot, simply because many people are not very good at handling credit or maybe they weren't in the past or maybe it's just someone young looking to find out how they can make sure they have great credit for the rest of their lives, well, I am going to share with you, in this article, some tips on how to improve credit, I hope you finf them useful.

How can I improve my credit rating?

Here are some tips for you:

Make your payments on time - This is very simple to do yet is also very important to do, you need to make sure you make all the neccessary payments at the correct times, just keep up to date on what you need to pay out and make sure it is all taken care of when it is supposed to be, you can't make people wait for money or else it will be reflected badly in most cases.

Don't get new credit often - Many people belive they can sort of "fool" the system, they think they can get new credit with one account the first week then go and apply for a different account the next week and so on, well, this will only do you damage, you will end up with a lot of overdue payments and in debt and you won't have any chance of getting new credit for a long time, if ever.

Your history is important - This is one that will not neccessarily apply to the younger people at the minute, however, it will in the future, your history with credit will play a role in how you are considered for new credit, for example, if you have bad history (not meeting payments, etc) then you will have less chance of getting any more credit, you need to keep everything in order.

These are just a few tips to help answer your question, how can I improve my credit rating and I hope you found them helpful.

Discover The Credit Secrets For Success:

http://the-internet-marketer.com/ImproveYourCreditEasily

It's So Simple You Won't Believe It!

Steps To Eliminating Debt

2007-01-08T02:17:00.000-08:00

By Ken Barnes

Debt is easy to get into. We all buy things on credit, take loans out to get instant money or pay for goods on credit cards. Credit can take minutes to build up, but years to pay off. When debt builds up we end up paying regular monthly payments that simply increase every time we get more credit.

The first thing we all have to do to clear debt is stop getting into any more debt. If you never took out another loan and cut up your credit cards then after a while you will pay off all your debt (provided you are making regular monthly payments).

However, there are lots of clever ways to pay off debt quicker and help you to become debt free. Simply make a list of all the debt you have. This is everything that you pay to a creditor and includes any loans, credit cards, financed items such as the finance on your car or furniture and also the big one, your mortgage.

You should know:

1. How much the debt is for or the total amount

2. How much is left to pay off the debt

3. What you pay every month

4. How many months you have left to pay

5. AND the interest rate you are being charged

If you add the amount of debt (number 2 above) you have left on each one of your debts then this is how much you owe to creditors. If you then add up all the monthly payments (number 4 above) then this is what you have to pay every month. Once you have worked this out then you are in a good position to start working out the fastest and cheapest way to clear this debt.

Paying off the debt as quickly as possible:

There are several ways you can pay off debt quickly. Some will be better than others and it also depends on the type of debt you have.

The interest pay off – Targeting number 5 on the list above

If you have a credit card or mortgage then you should be charged interest monthly on the amount of credit you have left to pay. If you pay off larger amounts off this then amount you have to pay every month goes down. The more you pay off the less you have to pay in interest every month. If you take the credit card or loan that charges you the highest rate of interest, then paying this off earlier saves you the most amount of money every month. Once it is paid off, you move to the next credit with the biggest interest rate. Because mortgages usually have the lowest interest rate out of all your loans or credit cards and is secured debt you should leave this until last on your list.

For some loans, creditors can sometimes charge the entire interest on the full amount across the time you have to pay the loan so that if you decide to pay a loan off early, you may still end up paying the same amount as if you continue to pay the loan every month. In this case you are probably better off not paying that specific loan early and focusing your efforts on a different loan.

The minimum loan pay off – Targeting number 2 on the list above

If you take a look at all your loans and start paying extra on the smallest loan then this will be paid off the fastest. Once you pay this off, take the amount you were paying on that loan and use it towards paying off the next smallest loan. Eventually you will again end up with only your mortgage left which if you use all the money you used for your other loans this will also be paid off much faster.

The biggest payment pay off – Targeting number 3 (or 4) on the list above

This works best for small loans with fixed payments and is great for people who find themselves with lots of loans with money to pay off on all of them. Because you want to reduce the amount of time and money you have to use to pay off the loan you simply target the largest payment you have to make every month. This may be the loan with the highest interest or the one the one with the highest balance. Once you put everything you can into paying this off your monthly payments will suddenly drop.

You can also do this by targeting the loan that has the least number of months left to pay off the debt. This will reduce the monthly payments quicker.

This will leave you with a lot more money every month and helps to control your finances better especially for people that struggle to pay off their loans. Clearing the loan that takes the highest payment every month has the biggest effect on your bank balance every month. Clearing the loan that has the least number of monthly payments left has the fastest effect on your monthly bank balance.

The clever part is to then use the money you save once you have paid off the loan to pay the other loans off faster and not to get comfortable with the debt you have left.

For more debt help and advice on the steps to take to eliminate debt, credit, loans, etc try http://www.1stfinanceguide.com

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Using Credit Agencies to Manage Your Finances Better

2007-01-07T23:25:00.000-08:00

By Joseph Ducat

Savvy consumers are now using the World Wide Web to manage their finances better. Modern technology now makes it possible for you to consult online credit agencies for information about your credit rating. You can monitor changes to your credit report and promptly revise your financial activity in response. And it’s not at all difficult or complicated. In fact, you just have to turn on your home computer and connect to the Internet to gain access to your financial information.

Credit agencies provide informational websites that have much advice to offer the financial-minded consumer. For example, many websites will allow you to access online tutorial on helpful topics such as how to interpret a credit score. Other instructional guides will teach you how to recover from a decline in your credit score and how to ensure yourself a good credit rating. You may even be able to consult articles written by financial experts on useful subjects such as personal debt reduction and credit card identity theft protection. The reason all of this knowledge is made available is to help people realize the importance of maintaining a healthy credit score and show them how they achieve such a goal.

There are also more specialized services available at certain credit agency websites. For example, some agency sites will allow you to do a vehicle history check. That would certainly be a useful service if you had to make a decision about buying a particular vehicle. Learning all about its history would help you decide if it would be a good purchase or not.

Another service that may be offered by credit agencies is doing a background check on a company. If you are looking to hire a particular business, you can instigate a credit check on it to discover whether it has a good financial reputation and is reliable when dealing with its clients.

Of course, not all of these services are free. Most of them require at least a basic membership at a credit agency website. Fortunately, many websites do offer a 30-day free trial that you can take advantage of to ensure you are getting the services you need. During the trial, you should be able to access most of the agency website’s features, such as viewing credit reports that have been submitted on you, and absorbing a wealth of information that can help you to improve your financial standing.

For more information and tips about Using Credit Bureaus and What Credit Agencies Are For please drop by at http://getbettercredit.info

Student Loan Discussions

2007-01-05T01:56:00.000-08:00

By Mabel Van Niekerk

Most scholars who have set their sights on further education will not have the privilege of paying cash for their studies. They will require some help from loans. It is very wise to start checking out all your options before you have finished with school so that you will be prepared for what the best action is to take.

Many lenders start granting loans on a first come first served basis so those students who apply early will have the loan approved by the time they require the loan. It will be very awkward if your loan is not yet approved and the semester has already started. You will not be allowed to attend classes until you have paid your tuition fees. Starting early definitely has its merits.

There are always scholarships and grants that can be worked for and earned. If it is at all possible set your sights on one of these options and work towards gaining access to one or the other. It is a great help to get a full scholarship or one that pays only your tuition fees. This will also be a great help to you. What ever is paid for makes less for you to have to borrow.

Fortunately there are many banks and financial institutions that make provision for student loans. The interest rates are very low and the same goes for the loan charges. This is a great help to students. The loans are only repayable once the borrower has graduated. This means that the student can borrow more than one loan if necessary and only have to start paying the loan back after graduation. Many banks will give the student time to first secure a job before they commence paying.

The down side of this scenario is that the student will have to start out their adult life with a lot of debt. The amounts of the loans will have accumulated in this time and it seems scary to have to start life out being in debt.

The parents or guardians can be of a great help by taking loans that they can pay off to help the student. There are a number of loans that can be used for this reason, like a personal loan, home equity loan or ever a second mortgage on their homes.

Mabel van Niekerk writes informative articles on a variety of subject including Student Loans. http://www.studentloanswebs.com

Are Guaranteed Approval Credit Cards Right for You

2006-12-22T23:26:00.000-08:00

By Morgan Hamilton

Not a lot of people have heard about guaranteed approval credit cards. This is because these cards are a rather new idea when it comes to credit cards for people with bad credit or no credit. Those who have tried to get credit for the first time or tried to get credit with a bad credit history are aware that it is a difficult, if not impossible task.

Credit card companies offer cards to those who are most likely to pay for them because they do not like to risk the chance of not getting paid. Fortunately, they came up with guaranteed approval credit cards to help those who are in need of credit.

Traditional credit cards and guaranteed approval credit cards are quite similar. Both of these types of cards have a major credit card company logo and can be used wherever the companies’ credit cards are accepted. Unlike secured credit cards, these cards do not require a deposit or the person to open a savings account.

A person usually has to agree to upfront fees and charges made to the credit card in order to get a guaranteed credit card. The person also has to agree to let the credit card company charge a processing fee and annual fee to their card.

The initial credit limit is usually low and the remaining balance will be less than $75, once these fees are charged to the card. This entails that a card holder has to pay off these fees in order to really be able to charge much to this type of credit card.

Another form of guaranteed approval credit cards is the secured cards, which may turn out to be a better option. However, a person has to have money upfront, to open a savings account that becomes his card balance. Most secured credit cards require a minimum amount for opening an account, while a few secured cards allow a the person to spend all the money without worrying about large fees.

A person with no credit or bad credit can build a good credit history through guaranteed approval credit cards. Comparing the different cards and choosing the most suitable one is the key to getting the most from guaranteed approval credit cards.

A credit card company may offer a traditional credit card to those who keeps their credit cards paid up and in good standing. This indicates that the time spent in using a guaranteed approval credit card is well worth it in the end.

Morgan Hamilton offers expert advice and great tips regarding all aspects concerning Apply Online for a Credit Card, including assistance with the American Express Small Business Credit Card. Get the information you are seeking now by visiting www.findqualitycreditcards.com.

Consumers 'hit by store credit card offers'

2006-12-20T23:51:00.000-08:00

Nearly a quarter of British consumers are using high-interest store credit cards to finance their Christmas shopping, it has been claimed.

Research published today by Alliance & Leicester (A&L) reveals that 23 per cent of people use credit cards, despite the fact that in some cases they have to pay interest at a rate of nearly 30 per cent for the privilege.

The A&L survey suggests that many customers are unaware of the high interest burden they assume. Over half of those using the cards do so only because they were offered them by an in-store sales assistant.

"Christmas costs can really add up, and some of the offers pushed at us by sales assistants in connection with their store cards can seem really tempting. The real costs of these 'discounts', however, may be with you for a long time as interest payments stack up," Richard Al-Dabbagh, senior personal loans manager at A&L, warned.

High interest-charging store credit cards are currently under investigation by the Office of Fair Trading (OFT).

Despite today's findings from the A&L survey, data released today by the British Bankers' Association shows that consumer credit lending remains constrained.

Source inthenews.co.uk

Online credit card approval blog

2006-12-07T01:48:00.000-08:00