Creating a Writing Space

It's important to have a space set aside in your home for writing. It can be a big cushion in a corner of your closet with a notebook and pen, if that's all you have room for, or perhaps the back seat of your car because that's the only place you can get some peace and quiet, but it should be all yours, waiting for you whenever it's time to write.

If, instead, you go with the more traditional desk (and I'm not knocking the cushion because, really, it's portable, and you can take it to a park or a friend's house or a garden or something and have a change of scenery, which is always good), what does this space look like? Is it covered with books or bills or plants or receipts or clothes or dishes from lunch yesterday?

Have a little respect! Move that stuff somewhere else. Get a good lamp, put a picture or quote over your desk, something you won't mind staring at a lot (there'll be a lot of staring, trust me), tape some quotes on your monitor to inspire you (but keep an eye on these. When they seem tired because you've looked at them so often, put up some new ones.) Keep the area current with things that inspire you, change things up, perhaps on a monthly basis. Here are some ideas:

How about some flowers? Or a plant?

A container of your favorite pens - perfect excuse to go to Staples and buy things you don't really need but always make you feel better having: labels, hole punch, multi-colored paper clips, blue paper, post-its shaped like flowers...I can hear those waterproof markers calling me now...

A small notebook for jottings - sometimes writing it down before it goes on the computer helps you think and write differently. Make it an attractive notebook, not a spiral with the Power Rangers on it because it was cheap. (Unless you dig the Power Rangers. Then go for it!)

A couple of books you keep going back to for inspiration - when I get stuck I grab one of a few favorite books of poetry or fiction, and look for passages I've underlined that might jump start my writing again.

A couple of placemats in a friendly color or pattern covering the desk area - these double as sponges when you scream 'eureka!' and knock over your soda in joy because you finally found the most amazing metaphor ever to describe your character's eating habits.

Have a dictionary and thesaurus nearby. Duh.

If you keep disks of old writing - what am I saying--IF? You better hold onto those fragments and scraps of 'failed' writing. Are you crazy? That's a goldmine - keep those near as well, so you can go back and look for something you might use now and don't waste time digging in the 'miscellaneous drawer' in the kitchen, a box in the basement, the trunk of your car, or your ex-boyfriend's bathroom closet. Go on, you still have the key don't you? Go get them!

Your version of worry beads - sometimes I need something for my hands to do while I'm thinking. For some reason, this smooths things out in my head. I keep shells or stones on my desk, because sometimes I find I get anxious when things are going too well, when I'm working on a piece that is zooming along and I need to slow down a bit and make sure I don't lose any of the ideas as they come pouring in. When it's all falling into place I worry I might ruin it. It helps to pick up a stone and roll it in my hands and remember to take my time, listen, and stay out of my own way. This works even if things aren't going all that well. I get great ideas when washing dishes or driving the car. Moving an object between my hands creates a soothing, repetitive motion that allows my mind to relax, consider, drift, while lightly focusing on the object. It's a sort of meditation and it really works.

One of my favorites - cut out pictures from magazines of people that best represent what your characters look like. Or a picture of their house, the town, their cat. For example: if you're writing a poem on Paris or winter or winter in Paris, cut out a picture that evokes the mood you're going for. Tape these up on your monitor. Imagine your characters talking to each other. Fighting. Kissing. Imagine them walking through the streets or staring out the window of the living room. What are they thinking about? What are you thinking about? Visual representations like these can give a huge boost to your writing.

Burning some scented candles or incense - but don't leave them to run to the store for ice cream or to put the laundry in the dryer. It would really suck if the house burned down and with it the novel you just finished, wouldn't it? Be safe.

Dress up or down - this is the perfect time to put on the pajamas with the goldfish on them your mother gave you for Christmas. You know, the ones with the matching tank top and socks. Hey, go all out. Put a bow in your hair. Wear a festive necklace. If you're a guy - time for the team jersey, those silk boxers your girlfriend gave you that you swore you'd never wear, a robe with a scarf at the neck, a tie tied around your forehead or the pajamas with the goldfish on them your mother gave you for Christmas. Be silly. Be weird. Why not? This is not the time for pride. It's time to do whatever you can to get things flowing. You want to establish a good routine, and then throw something in to shake things up a little.

Try some music to get yourself in the mood - for writing! Take a few minutes to gauge how you're feeling right now, what you might like to listen to (classical, sounds of rain or birds or the ocean, disco, rap, drumming, the original cast recording of Oklahoma!?) put the cd in and let it take you straight into your imagination.

Also, we know your tricks. Make sure you walked the dog and tivo'ed the game before you sit down. No excuses.

Now, get to it! Remember, setting the right stage for your work, using all the senses, and creating a routine for entering your space cues your brain that it's time for writing, a habit you definitely don't want to break.

Christine Stewart, M.F.A. is an artist-in-residence with Creative Alliance in Baltimore. She is the recipient of a Ruth Lilly Fellowship, a Pushcart Prize nominee, and has been published in Poetry, Ploughshares, and other literary magazines. To subscribe to her Real Writer newsletter, find information on mentoring and teaching services for writers, or purchase the upcoming e-book "The 30-Day Writing Challenge," (and receive a FREE writing evaluation!), check out her website at http://www.therealwriter.com

Amazon Lodges

I had always been told that if you wanted to see wildlife do not go to the Amazon.

That the jungle was so dense that you could never see the wildlife and that the wildlife was mostly nocturnal.

Well, I recently decided to venture into the Jungle, after a conference in Manaus, and was pleasantly surprised.

I spent 2 days at the Uacari lodge and saw more wildlife than I had ever in my life - Pink dolphins, piranhas, monkeys, huge fish, and vast quantities of birds.

I then ventured over to the Amazonat lodge, which in 2 hours drive from Manaus and had some incredible interpretive tours with a local Indian guide.

The guide showed us fluorescent fungus that lit up the jungle at night, the huge Amazon tarantula coming out of its hole in the ground, took us fishing for piranhas and many other large river fish, and even made me a blow gun just like the Indians use.

Definitely worth the trip.

About The Author

Robert Phillips is Managing Partner for Intelligent Leisure Solutions and www.DiscoverBrazil.com. He has worked for many years developing tourism and entertainment destinations, project, resort, hotels, tours, etc. He currently lives in Salvador, Bahia, Brazil.

rgp1@terra.com.br

Candle Burning to Petition the Female Saints

Here they are, our Ladies of Mercy and Divine Benevolence. Petitioning the Saints for Special Favours has been a big subject in the chat rooms lately, so in the spirit of Christmas and the Goddess energies associated with these martyrs and popularized pagan deities, I have compiled a list that tells you how to use candle burning to request favours.

When you ask the Catholic Saints for help, it is common to write your request on a piece of paper and place it on the appropriately coloured candle. If a totem animal, emblem or object is suggested, you can also place that item, or a picture of that item on her altar as well. If you can find a picture of the Saint in a religious store and place it on the altar that is even better.

Saint Agnes

Burn a white or blue candle on a Friday to ask for her help to: keep a husband faithful, find a soulmate, or reveal dishonesty in a relationship (find out the truth about someone). Her animal is the lamb.

Saint Ann (also known as Anne and Ana)

Burn a white candle on a Monday to ask her for a peaceful and happy home. She is the patron Saint of grandmothers, housekeepers, housewives, mothers and women in labour. Petition her for help with the deaf and the blind.

Saint Barbara

Burn a red candle on a Saturday to drive a way evil, to protect your relationship from rivals, to protect yourself from meddling in-laws, to clear your path of obstacles, to help someone be released from prison and for protection from storms. She is also the patron saint of wives whose men are at war. Her emblem is the Tower.

Saint Maria Goretti

Burn a pink candle on a Friday to ask for fidelity in marriage, help with an abusive or battering male partner and a pardon from the death penalty.

Saint Brigid of Kildare

Burn a yellow candle on a Sunday to ask her: to become fertile, for healing, for happiness and health of pets and farmyard animals, to assist with breeding livestock, for inspiration, for literary gifts (especially poetry) and the gift of prophecy. Her symbol is a cow.

Saint Clare of Assisi

Burn a white candle on a Monday for protection against astral attack and for help overcoming addiction to drug and alcohol.

Saint Catherine of Alexandria

Burn a yellow or white candle on a Saturday to petition her for beauty, fertility, a peaceful death, confidence, seductiveness and confidence when public speaking. Her symbol is the wheel.

Saint Dymphna

Burn a blue candle on a Monday for help with nervous disorders, mental afflictions, epilepsy, insanity, obsession and astral attack. Her symbol is a sword pointed downwards.

Saint Cecilia

Burn a green candle on a Wednesday for success in a career in the arts, particularly if you are a musician, poet or singer. Her emblem is an organ.

Saint Francis Xavier Cabrini

Burn a white candle on a Sunday to help with matters of immigration, with moving to another city or state or for matters pertaining to health, education or insurance.

Saint Helen of Jerusalem

Burn a pink or red candle on a Friday to ask for the return of a strayed lover and to overcome sorrow, obsession and unhappiness. Her emblem is a cross.

Saint Joan Of Arc

Burn a grey candle on a Tuesday to petition her for spiritual strength, freedom from prisons of all kinds (emotional and otherwise) and for ways to overcome rivals and energies.

Saint Lucy

Burn a white candle on a Wednesday to ask her to help with insoluble or impossible problems, depression, and protection from the evil eye or astral attack, to help you to find the right lawyer and to conquer temptations or addictions.

Saint Martha

Burn a green and/or a white candle on a Tuesday to ask for aid with financial problems, the necessities of life, to bring a lover closer, to keep a husband or boyfriend faithful, to subdue or conquer romantic rivals or enemies or bring a new love. Her symbol is a dragon.

Saint Philomena

Burn a pink or green candle on a Saturday to help with desperate situations, problems with children, unhappiness in the home, the sick, selling real estate, food for the poor and mental illness. Philomena is a favourite of single mothers. Her symbol is an anchor.

Saint Rita of Cascia

Burn a white candle on a Sunday to assist with an abusive relationship, to relieve loneliness, for deliverance from evil and for spiritual fortitude and strength

Saint Therese of Liseux

Burn a yellow candle on a Wednesday to be loved by all, for popularity, for help with addiction and alcoholism, for protection from black magick and to restore faith. Her emblem is a bouquet of roses.

Samantha Steven's articles have been published in many high-standing newspapers and she has published several books. If you wish to buy Samantha's books about metaphysics click here http://www.insomniacpress.com/author.php?id=110 You can meet Samantha Stevens at http://www.psychicrealm.com where she works as a professional psychic. You can also read more of her articles at http://www.newagenotebook.com

Dont Be Macho Selling Ice to Eskimos

This issue's topic was suggested by a sales rep for a small manufacturing company. I was asked to comment about the impact of excessive optimism on the part of salespeople and sales managers.

In the sales rep's own words...

"I was required to call on every account because there was the slightest potential of a sale. My boss was so optimistic about every account that it clouded any professional decision he could make. For example- he told me that he called on some accounts every other week for 5-8 years before they gave him any sales. The average customer we sold to would give us around 1-10k in sales a year at an average of 18% gross profit. With a high overhead, this did not allow (profit wise) for us to spend all our time on these accounts. We needed to seek out all the accounts that had the potential and were willing to purchase off of us in a timely matter. While calling on many smaller accounts that averaged sales 1-10k yearly, we were not developing other territories that were less competitive and offered much more sales and profit potential.

"He spent tens of thousands of dollars developing accounts that he will not make money on for years because he was so optimistic they would buy, while there was perhaps much more profitable and open minded accounts waiting for a more customer service oriented company to serve them. His optimism (I Think) clouded his judgement to decide who we should sell to and how much time you should dedicate to one company before you see that it is not going to be profitable in the long run.

"We have had nothing but horible responses to our presence in front of our competitors largest customers that it leads me to believe that there are going to be companies you sell to and companies you do not.

"I'm the salesman, and I have the knowledge and expertise to decide when a customer has the desire/purchasing power to buy. These customers are screaming no. But my boss is telling me yes. I'm trying to be a professional about this, but when customers tell you straight up, do not come back. I feel that I need to respect that, and I need to move on and focus my energy on more prospective customers. My boss won't acknowledge that from customers, he insists that they will buy, and you must be back the next week regardless of what they say."

Thanks for sharing your experience with us. I don't know how many times I have heard stories like this. Each and every story is painful to listen to because I know how hard of a situation this is.

The person who knows the most about the prospect is the sales rep who is calling on the account. There are too many sales managers who don't or won't listen to their salespeople. We are hired for our intelligence, our energy, and yes our ability to produce results. If a sales manager just wants to tell you what to do, then he should hire a retail clerk who will simply follow orders.

One of the first principles of maximizing your revenue as a sales rep and as a company is to focus. You must know who is most likely to buy from you, and who is most likely to buy from your competition. The top sales reps know this. They can spot someone who will buy, versus someone who will ultimately buy from the competition.

What if you work for a big company, and your main competitors are small companies? This could be either a blessing or a curse. If all of your prospects are Fortune 500 companies, or aspiring growth companies, you'll probably be in good shape. On the other hand, if all of your prospects are small companies, your probably in bad shape. This is what I call a cultural mismatch. Your prospects are probably going to feel more comfortable buying from your other smaller competitors. Why? One reason could be that they believe your competitor's commitment and service to be more personal.

It's a good idea to have a written profile of your ideal customer - that is, the customer who is most likely to buy from you. Company culture, demographics such as revenue, industry, and buying style are all things that you want to consider in creating this.

As Chinese general Sun Tzu said, "He will win who knows when to fight, and when not to fight."

Following this principle saved my tail a few years ago. While working for Vantive, I was asked to take on a sales opportunity that would have earned me a 6-figure commission on just one single sale. After making a phone call, and a face-to-face sales call, I concluded that the deal was wired for my main competitor, Siebel Systems. I backed out the deal. My sales VP was mad. She assigned another rep to the deal. The sale eventually went to Siebel for the reasons I predicted, and the sales rep who worked the opportunity lost his job shortly after that.

If all of your prospects are already customers of your competition, then you must take a different tack. When I worked for IBM, we had teams of sales reps who did nothing but "invest" in competitive accounts. IBM spent tens of thousands of dollars each year schmoozing these accounts, working over time to gain their trust and waiting for the competition to slip up. But small companies don't have the cash and time that an IBM has. So you have to be choosy.

When the competition has set the rules of the battle by owning the accounts, there is only one thing to do: change the rules. If you can change the rules of the battle, you have a chance. If not, you are on a suicide mission. While at IBM, most of our competition went after accounts with a "latest technology" or a "low price" strategy. IBM typically was neither of those. We had to change the rules to focus the decision on "total cost of ownership". Because when all factors of cost were included - maintenance, service staffing, reliability, etc. - we were the lowest total cost solution. We generally needed to call higher in the account to accomplish this.

When you can't win, don't be macho, and try to sell ice to Eskimos. Create a written profile of your ideal customer. Start by looking at the common characteristics of deals that you have won, and customers that are happy with you and your company. When an opportunity looks hopeless, change the rules so that you can win, or walk away (even if the prospect is begging you to sell them).

? 1999-2004 Shamus Brown, All Rights Reserved.

Shamus Brown is a Professional Sales Coach and former high-tech sales pro who began his career selling for IBM. Shamus has written more than 50 articles on selling and is the creator of the popular Persuasive Selling Skills CD Audio Program. You can read more of Shamus Brown's sales tips at http://Sales-Tips.industrialEGO.com/ and you can learn more about his persuasive sales skills training at http://www.Persuasive-Sales-Skills.com/

Getting Free Publicity with Radio Interviews

Imagine that you are a radio producer. You have to fill three hours a day, five days a week, every single week. You need topics that inform, enrage, entertain, educate, motivate, and otherwise engage your audience. How do you find those topics, and the guests to make them come alive?

Radio shows use lots of guests, and if you can show them why you would be a good one, you can be on the air. The great thing about radio is that you can be on a show anywhere in the world--without leaving home! I've done radio shows in Denver, Washington DC, Phoenix, San Diego, Atlanta, and lots of other places, all from my home near Houston--and often while I'm still in my jammies. (If video phones ever catch on, I'm in trouble!)

Getting on radio can be as simple as targeting the stations or programs that seem to be a good fit for your topic (or finding a way to slant your topic to fit). Then, contact them by phone, e-mail,letter or fax. Send your pitch to the producer, and explain why you would make a great guest for their show.

Once they express an interest, be prepared to follow up with an information sheet or bio, and a list of suggested questions for them to ask you. Some will use these questions, others won't, but it's a good idea to have them available. Fax the info, or if there's time, you may want to mail these items along with a product sample or other promotional item. I offer to give them a couple of my books to give away to listeners.

Be prepared to give listeners a way to contact you, and a reason to do so. For example, I give out my toll-free number and offer a free bonus (such as an extra booklet or tape) when listeners order and say they heard me on that station. Make the contact info easy to remember. My toll-free number is 888-BOOK-888. It's easy to remember, even if you're in your car and far away from a pencil to write it down. You may also want to give out your website URL.

Practice some answers to the questions you expect. Make them short and punchy. If you're taking more than 30 seconds or so to answer, you may be talking too long (although that is largely determined by the type of show).

Once you're on the air, remember that you are there to give them a good show, not to sell. Most will be good about giving your contact info, but be ready to work it in if they don't. Whether your interview is 10 minutes or an hour, it will go quickly. At the end of your first interviews, you'll remember all the things you wanted to say, but didn't get to. You'll get better with practice.

Relax and have fun, and remember to give them a good show. When you do, you'll have lots of opportunities to tell your story on the air.

Copyright Cathy Stucker. As the Idea Lady, Cathy Stucker can help you attract customers and make yourself famous with inexpensive and free marketing ideas. Get free tips, articles and more at http://www.IdeaLady.com/.

How to Stop Divorce Parental Conflict from Bursting?

It is not the divorce but the conflict arising after divorce the culprit of most psychological-adjustment problems the children are having. So, how to stop the post-divorce parental conflict from bursting must be given a premium importance by parents who want to have a healthy, happy and successful divorced children.

First let us identify the source of most post-divorce parental conflict. It is only when we are able to identify exactly the source of most post-divorce parental conflict that we are able to stop.

It is said that building or maintaining regular communication with your 'ex' is one of the most important keys to successful divorce parenting. If there exist an ineffective communicating relationship between spouses, one may be left the other uninformed of the important matters relative to their children and thus often become the major source of new parental conflict.

Effective parenting after divorce requires effective communication. Even if spouses don't like each other, or disagree on many issues, they still have to work together as a team as far as their children are concerned. Both should know what's going on.

With stronger co-parenting communication, there will be less chance of misunderstandings and conflicts between the ex-spouses -- and a better chance of a healthy upbringing for the children.

Here are the five goals you can set to improve co-parenting communication:

1. Have a clear, consistent schedules and rules.

2. Keep each other abreast of any parenting-related developments or important issues.

3. Set an appointment to speak with your ex about any problems, then be polite but firm while trying to solve them.

4. Develop a trust level between each other.

5. Be civil and reasonable at all times.

To keep communication healthy, use these guidelines when you communicate in person with your 'ex'.

1. Be consistent. Make sure your facial expressions and body language are consistent with your words.

2. Relax. If your emotions become too overwhelming, learn to relax and breathe slowly or ask that the conversation be continued later. Leave if you have to.

3. Bring a friend. If in the past talking to your 'ex' has resulted in violence or verbal attack, take another person with you.

4. Back off. If your 'ex' is emotionally closed, back off. Keep on talking and explaining will get angry while your 'ex' gets irritated. Just wait for a better time or write a letter. Letters are a perfect option for communicating clearly and without emotions. They also allow the other person time to digest what you say.

5. Bounce it back. If your 'ex' attacks you verbally, reply, "I refuse to receive that. I need to be respected in this conversation and, if you're not able to do that right now, we should continue this later." Don't act snotty, superior, or self-righteous. Be kind. If your 'ex' continues to bait you into an argument, leave calmly and quietly.

Remember your children's welfare must always be your first priority. Think about the long-term effects on your children of everything you and your ex say and do. Follow the above goals and guidelines. Strive to improve your co-parenting communication then you can create the best possible co-parenting relation. Do all these for your children sake.

Copyright by Ruben Francia. All Rights Reserved.

Publishing Rights: You have permission to publish this article electronically, in print, in your ebook or on your website, free of charge, as long as the author's information and web link are included at the bottom of the article. The web link should be active when the article is reprinted on a web site or in an email. Minor edits and alterations are acceptable so long as they do not distort or change the content of the article.

About The Author

Ruben Francia is an author of an indispensable divorce parenting guide ebook, entitled "101 Ways To Raise Your 'Divorced' Children To Success". Discover the ways to raising healthy, happy and successful children even if you're divorced. Visit his web site at http://www.101divorceparenting.com; support@101divorceparenting.com

The True Meaning of Alternative Medicine

Alternative medicine is a type of therapeutic practice that is not considered to be a part of traditional or conventional medical treatment. People use alternative medicine instead of using traditional medical treatment. This is often because they feel it is a natural way to get better.

There are many types of alternative medicine. Some are covered by medical insurance, but most are not. Some forms of alternative medicine that may be covered are chiropractic and osteopathic therapy. These forms of alternative medicine are widely used.

There are other forms of alternative medicine that are not as widely used, but are becoming more popular by the minute. These are: massage therapy, therapeutic touch, folk medicine, herbal medicine, special diets, homeopathy, music therapy, aromatherapy, naturopathy, faith healing, and new age healing. There are also some non-western forms of alternative medicine such as: Chinese medicine, gi gong, reiki, and ayarveda.

There are some less commonly practiced forms of alternative medicine as well. One is called biofield therapy. This is a form of alternative medicine that works with your so called "energy fields" to heal you. Another is bioelectrical magnetic therapy. This alternative medicine uses pulse and magnetic fields to heal you.

Alternative medicine is quite popular for people who are terminally ill. Many AIDS and cancer patients prefer it. An example of this is a cancer patient who uses alternative medicine instead of receiving traditional chemotherapy or radiation therapy. People also use alternative medicine to heal ailments such as back pain or migraines. Instead of traditional painkillers, the patients would use aromatherapy, sound therapy or herbal therapy. Alternative medicine is even used on animals. Have you ever seen the movie "The Horse Whisperer?" That was about a form of alternative medicine used on an animal. Acupuncture, herbal therapy, and others have also been used on animals.

The last thing you should know is that there is no scientific evidence that alternative medicine is effective. There have been no scientific studies to prove if they are safe or if they work for the diseases or ailments they are used for. Before using an alternative medicine, talk to your doctor, make sure your doctor feels it is safe and will not harm you.

There are many different kinds of alternative medicines to choose from. Now that you understand it a bit better, you can decide if it is right for you. For more information talk to your doctor or research it online. With careful research, you may find one that is right for you.

Jay Moncliff is the founder of http://www.info-meds.info a blog focusing on the Medical, resources and articles. This site provides detailed information on medicines. For more info on medicines visit: http://www.info-meds.info

Finding A Thin Credit Or No Credit Motorcycle Loan

It is no secret that thin or no credit can hurt just like bad credit when shopping for motorcycle loans. The main reason for this is that lenders all have a variety of strategies on how to approach motorcycle loans in their loan portfolios. Some lenders see motorcycles loans as a risky but feasible business investment, while other lenders label motorcycles loans as a high risk money losing investment. Overall, the general perception of most lenders is that a motorcycle is a "toy" and therefore motorcycle loans are much more risky than other types of loans. This "toy" labeled perception from lenders is a critical component which makes shopping for a motorcycle loan much more difficult for motorcycle buyers with thin or no credit.

If you would like to get approved for limited or no credit motorcycle loans, the first step is to look online. Many online lenders are very competitive with offering motorcycle loans and some of them specialize in limited or no credit motorcycle loans.

If you have searched online and are still having trouble getting approved due to thin or no credit, it is critical that you begin to understand the impact of your FICO credit score. Essentially, a FICO credit score is the number one variable most lenders use in approving you for a motorcycle loan. The FICO credit score is a computer generated score which is comprised of your credit payment history, amount owed, length of credit, amount of new credit and types of credit.

Since many people with thin or no credit do not even have a FICO credit score associated with their credit file their motorcycle loan applications are sometimes automatically declined by lenders. Therefore, the first step to getting approved for a limited or no credit motorcycle loan is to start building credit history. In order to get a computer generated FICO credit score with your credit file you must have at least one credit account that has been open for at least 6 months and has been updated at least once in the previous 6 months.

This requirement can make it tough for young motorcycle buyers or immigrants who wish to establish a credit score since some lenders will not extend credit to people with a thin file. However in today's age, there are credit card companies willing to give newcomers a credit card with a small $500 limit to get started.

As a result, if all else has failed and you have limited or no credit a great way for you to begin building your FICO credit score is to get a low credit limit credit card and begin using it regularly for small everyday purchases. The key to this strategy is keeping your purchases small and frequent and paying off the balance every month on time. Always try to avoid maxing out the credit cards or even using more than 30% of the available credit limit. To make this easy some small purchases can even become automatic by putting things like monthly cable or telephone bills on automatic credit card payment.

The bottom-line is that finding a limited or no credit motorcycle loan can be challenging, but working smarter by shopping for a motorcycle loan online and also beginning to build a credit history can take a lot of pain out of the process.

About The Author:
Jay Fran is a successful author for a website that specializes in finding the best low interest rate online motorcycle loans, including used motorcycle loans.

Copyright (c) 2005, by Jay Fran. This article may be freely distributed as long as the copyright, author's information, and at least one of the above active live links with anchored text are published with the article.

You Reap What You Sow

There is an old principle: You reap what you sow. In fact, it is about as natural of a principle as you can get. When you put an apple seed into the ground, you always get an apple tree. You reap what you sow.

Even as this principle works in nature, it also works in our businesses, schools and organizations. Everything that we do is what we are sowing. And while we may not see immediate gains or gratification from our actions, it is true that eventually we will. Some time in the future, the totality of our actions and words will amount to something.

I want to give us a few ideas to chew on in regard to what we sow and how we can reap the benefit or reap from it in the future. People. Ultimately, our enterprises involve people, whether it is those who sell to us, our employees, or our clients. What are you sowing in regard to those people? Are you sowing good will? Are you sowing a caring attitude? Are you sowing to their interests over your own? As you do these things, I believe you will reap a tremendous harvest. People will genuinely like and appreciate you, and people do business with people they genuinely like and appreciate. When you fail, and you will from time to time, people will be much more forgiving if you have sown properly.

Product.

Whether we have something tangible or not, we all have some product that others purchase or use. Are you sowing excellence in your product? Are you sowing longevity? Are you sowing reliability and dependability? As you sow these things people will come back for more of the same, as well as other products you offer. You will reap their loyalty and their return. You will also reap a good reputation as word gets out on what you have sown into other's lives.

Charity.

I believe that every enterprise ought to have as a foundational value that it will be charitable. That in some way, be it large or small, they will give back. Are you sowing to your community? Are you sowing of your time, money or energy? As you do, you will reap three primary things.

First, a better community.

Second, you will reap a deep sense of satisfaction that your community is better because you gave something back to it.

Third, people will want to do business with you because they know that part of their business will in turn benefit their community. Sow some good stuff this week. And you'll reap the benefit later!

About The Author:

Chris Widener is a popular speaker and writer as well as the President of Made for Success, a company helping individuals and organizations turn their potential into performance, succeed in every area of their lives and achieve their dreams.

To see Chris "live" at the upcoming Jim Rohn Weekend Event as he speaks on the subject of Secrets of Influence go to http://Chris-Widener.InspiresYOU.com/ or call 800-929-0434.

Horse Jewelry: Bold and Free

A popular motif in jewelry, even among city dwellers, is horses. Horse jewelry is enigmatic and evokes a sense of strength as well as of mystery. Now one would have to ask: why horses? Why care about an animal rarely seen in the city anyway?

Horses symbolize freedom, and pride in freedom. Wild horses come with the connotation of spiritual and emotional independence. Have you ever seen or read "The Horse Whisperer" or "Spirit: Stallion of the Cimarron"? Perhaps the snow-white horse named Shadowfax in the "Lord of the Rings" movies has evoked a sense of unbridled freedom in you? And yet, Hollywood has not even begun to touch on the importance of horses in ancient cultures. Far from being mere beasts of burden, horses were also trusted friends. Native Americans paid great respect to the horses they have domesticated, for they were useful in hunting and traveling.

Wearing horse jewelry is a celebration of independence, a rallying cry to break free from the bonds of society and be graceful, proud and natural.

It is a popular belief that the wild horse chooses its tamer. Alexander the Great's horse, the celebrated Bucephalus, was known to be the wildest horse in his day: king of horses, unconquered by conquerors. And yet when the young Alexander cautiously approached him, Bucephalus calmed down and allowed the teenaged monarch to climb on his back. Together the two conquered cities, leveled fortresses, and built an empire -- kindred untrammeled spirits faithful to each other until the end.

A driven, successful, hard-to-get professional woman may appreciate a gift of horse jewelry -- in celebration of her strong, free-spirited nature. A young carefree lad may also benefit from horse jewelry, as an expression of virility and natural strength. Horse jewelry comes in a variety of forms -- from pendants to hairclips, brooches to bracelets, anything that catches attention! The flashier the better, or the more muted the more desirable, for people who gravitate to horses.

Sam Serio is an Internet Marketer, musician and a writer on the subject of jewelry and gemstones. For more information on jewelry and gemstones, we cordially invite you to visit http://www.morninglightjewelry.com to pick up your FREE copy of "How To Buy Jewelry And Gemstones Without Being Ripped Off." This concise, informative special report reveals almost everything you ever wanted to know about jewelry and gemstones, but were afraid to ask. Get your FREE report at http://www.morninglightjewelry.com.

Have You Checked Your Permanent Record Lately?

As a young student I feared getting bad grades because I didn't want any bad marks on my "permanent record." Get an "F" in fifth-grade science and it goes in your record. Act up in Mrs. Brown's class? Yep, it's in your record too. Get caught using a swear word and it's not only in your permanent record but it goes right at the top! When you go to a parochial school like I did, you come to believe that there really is some mysterious file that follows you for the rest of your life.

Want to know a secret? There really IS a permanent file that follows you through life, but it has nothing to do with grammar school grades or activities. The real "permanent record" you need to be concerned about as an adult is your credit record! You should check your credit record on a regular basis, especially if you are planning on making a major purchase such as a car or home.

Your credit report or credit profile is a record of your credit activities. It lists your credit card accounts and loans, your account balances, and whether or not you make your payments on time. Your credit report is used by potential lenders to evaluate your creditworthiness. Credit reports have also been used by insurance companies to determine what rates you will pay for your insurance policies.

Reviewing your credit report can help you avoid costly errors. In one recent study, more than 50% of the credit reports checked contained errors. Other studies have shown similar results with as high as a 70% error rate. The most common error occurs when the information of another person, with a similar name or account number, is recorded in your credit profile.

A more serious problem occurs when someone gains access to your personal information and commits identity theft. Identity theft has become the fastest growing crime in our nation. Identity theft complaints jumped 75% from last year according to a recent Federal Trade Commission report. The monetary loss from identity theft crimes skyrocketed to a combined $53 billion in 2002! Accounts that appear on your credit report that weren't opened by you could be a sign of identity theft.

For a thorough review of your credit profile, you need to check with all three major credit reporting agencies (CRA's) : Equifax, Experian, and TransUnion. Information can vary between the three CRA's and it's important to make sure each has accurate and up-to-date information regarding your credit history.

Once you have your credit report, start by checking the accuracy of your personal information: your name, your social security number, address(es), etc.

Next , examine the accounts listed in your credit history. This section lists your accounts with creditors and your payment history with them. It is important to read this entire section and make sure the information is complete and has been reported correctly. Report any errors immediately to the credit reporting agency for investigation and correction.

Finally, check the number and frequency of credit inquiries to your file. Make sure that all the inquiries were authorized by you. Potential creditors who see a high number of inquiries in a short period of time may consider you a high risk and deny you credit.

Make it a habit to check your credit report annually. Doing so can save you time, money and future credit problems down the line.

About The Author: James H. Dimmitt

? 2004, http://www.yourfreecreditreportnow.com

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