Answer Upon - Health and Fitness

Will Fed Rate Hikes Fuel Business Owner Burnout?
Heads up to business owners. The recent Federal Reserve short-term interest rate hike was the 15th consecutive increase since June 2004 and the first since Ben Bernanke took over as chairman of the central bank in February.The Fed indicated that even more rate hikes may be necessary in the next few months. "Some further policy firming may be needed to keep the risks to the attainment of both sustainable economic growth and price stability roughly in balance," the Fed said in its statement.Translation: more rate hikes ahead, let’s hope it doesn’t hurt the economy and your business.The target for the federal funds rate is now 4.75 percent, the highest it has been in five years. This overnight bank lending rate affects the amount of interest business owners pay for various types of debt, including credit cards and business lines of credit.Just one more thing for a business owner on the edge to worry about. The long hours and constant demands of building a business can take a heavy toll on a business owner. Ph

ke part in the mission, but there will be other countries that help finance such an ambitious journey and the crew will be a mixture of different countries' citizens. It will be the start of earth's exploration of the planets, although there will be moon missions again before the big launch to Mars. There will be dramatic improvements in equipment and vehicles prior to that launch that will enable the astronauts to travel faster and more securely to the red planet. The soul of Mars tells me it is excited and awaiting its visitors from earth. They will be well cared for during their stay, as you would take care and welcome visitors to your house."

Theo, Is a guardian angel a piece of a soul like me or a whole soul like Gaia, the soul of the earth?

"I am a whole soul like Gaia. I have chosen to assist your soul fragments as you call them. It is my work and I greatly enjoy it you see."

Besides my line of lives are you the Guardian Angel for other lines of lives too?

"Yes of course. As I said before, it is easy to multi-task as it is called these days. I am able to handle overseeing the lives of a number of other soul fragments."

So there's no shortage of Guardian Angels, or is there only a finite number?

"No there is no shortage, but those of us who volunteered for this job in the beginning are allowed to oversee as many individual lives as we wish. As that word "benevolent" that you mentioned say

Collect Visitors Info First Before Sending Them To Affiliate
Honestly, I'm not a big affiliate fan because in the past I haven't gotten 90% of the money promised either because they disappear before they pay out or they have so many exceptions -- paying out once a quarter, has to be over X dollars first, etc. Another negative side is that some of them think that 10% commission or some low amount is worth the 20 hours it takes for us to sell it. Usually the 10% equal $10 and $10 isn't worth my reputation even $1000 actually. Today’s article is not about the pros and cons of being an affiliate member. There are some good affiliate programs out there where you will get a check, their exceptions are small or nil, and the commission reasonable for the amount of time, risk, and reputation you place on the line for their product or program. This article focuses on collecting their information before you give them the affiliate link so you can increase your mailing list numbers or residual income. Almost all affiliate referrals are handled by providing someone with the affi

Since I learned through my meditation that I'm supposed to encourage other people to meditate, I've heard a number of excuses why someone doesn't. They all lead to the same general conclusion--it's boring! Please understand that I didn't start meditating until July of 2005, so I had the same excuses. It was difficult to quiet my mind. I kept having a thousand and one things that I had to do, or had just done, pop up in my mind.

I was finally able to quiet my mind through hypnosis. There are a number of CD's out there that can take you into an altered state. My personal preference when I first started were those of Dick Sutphen, although I don't need them anymore. I even wrote a simple one to do in the appendix of my book.

Now here is the fun part. I prepare a list of questions on the page of a spiral notebook before I do what I call an "Active Meditation," which is simply to differentiate it from other meditations. I recommend that you write questions at first that you are not emotionally involved with, as this sets up barriers to receiving pure communication. As you become more confident in your reception, then start adding in those questions.

When I began, my accuracy was down around 15% to 30%, and each month I would ask if my accuracy was improving. I was told to "practice, practice, practice" so many times that I stopped asking, but ever so often I was told that I had received what was sent almost perfectly. This is a skill to learn just like anything else--riding a bike, playing chess, or learning a language. I've been told you are receiving "thought packets" which you convert to your language and level of understanding.

Don't be concerned with names of those you speak with at first. Just allow the information to flow. As an example, my Guardian Angel does not have a name that can be pronounced, so he eventually told me I could call him Theo. But there are whole "cosmic teams" out there ready to communicate with you, so don't try and limit yourself.

I personally type the questions on my computer and then type the answers as I receive them in my head. Don't expect to hear different voices. I hear it as if I'm thinking, but the words and sentences are different than I would write; and I don't remember too much of what is said to me, so I have to read the answers after I come out of my altered state.

Below I will give you a number of examples of questions that I have recently asked.

Will the Democratic candidate be Mr. Barack Obama or Mrs. Clinton, or someone else?

"The candidate for the Democratic Party will be Mrs. Clinton. Mr. Obama may or may not be her running mate. That is not decided yet."

Will Rudy Juliani be the Republican Presidential nominee?

"Yes he will. He will outdraw Mr. McCain and the others, as he has the personality that will appear to be moderate to the Republican Party members. You will see. It will be an interesting debate on the Republican side; although Mrs. Clinton and Mr. Obama will have some interesting debates, her organization will prove too powerful for Mr. Obama to overcome. Mr. Juliani on the other hand will appear to be the freshest candidate of the many men that are vying to be the Republican flag waver, as you call it."

The Texas governor recently ordered that all young girls be vaccinated for cervical cancer. Is this a safe vaccine?

"No it is not. It has serious side effects not discovered yet. These include--and here you will have difficulty following me--changes in their molecular structure in their cells. It will open them up for other diseases in the coming years. So do include this in your column and other writing. It is important for people to reject this vaccine for their female children."

Did Jules Verne have a life in the 20th or 21st century just before his life as a Science Fiction writer?

"Yes of course he did. He had a life that was in this time period so that he could then go back and inspire people to think about what was to come. This is done often to assist your people, your population to think about what can be and then create it. This was a good question Tom. As you well know, your lives are not in linear fashion but you have them not only for learning purposes, but to contribute to the advancement of your Explorer Race. Jules Verne witnessed all these things he wrote about by having been there before. In most people's opinion, he was just a brilliantly gifted writer with a vivid imagination, but now the cat is out of the bag so to speak. Science Fiction writers do tend to have lives far in advance of their present lives so that they can make a contribution to society by saying this and that is possible, now create it."

Will there any other school massacres in the United States this year?

"No there will not be Tom."

What about 2008?

"Yes there will be an attempt but it will be thwarted before there is loss of life."

You told me recently that Muslims would eventually learn where the religions came from. What did you mean by that?

"That all three religions--Muslim, Judaism, and Christianity, all originated at the same time in the same place, and that this occurred not by happenstance, but by design. That's very important to realize, that it was by Divine design that your Creator wanted to learn more about itself by exploring different beliefs and how they would relate to each other. This was all part of Divine design."

How many years will it be before there is a manned flight to Mars and will it be a USA mission, a mixture of countries including the USA, or another country or countries?

"Yes, it will be a number of years before that flight take place--some 25 years or perhaps a little more. The United States will take part in the mission, but there will be other countries that help finance such an ambitious journey and the crew will be a mixture of different countries' citizens. It will be the start of earth's exploration of the planets, although there will be moon missions again before the big launch to Mars. There will be dramatic improvements in equipment and vehicles prior to that launch that will enable the astronauts to travel faster and more securely to the red planet. The soul of Mars tells me it is excited and awaiting its visitors from earth. They will be well cared for during their stay, as you would take care and welcome visitors to your house."

Theo, Is a guardian angel a piece of a soul like me or a whole soul like Gaia, the soul of the earth?

"I am a whole soul like Gaia. I have chosen to assist your soul fragments as you call them. It is my work and I greatly enjoy it you see."

Besides my line of lives are you the Guardian Angel for other lines of lives too?

"Yes of course. As I said before, it is easy to multi-task as it is called these days. I am able to handle overseeing the lives of a number of other soul fragments."

So there's no shortage of Guardian Angels, or is there only a finite number?

"No there is no shortage, but those of us who volunteered for this job in the beginning are allowed to oversee as many individual lives as we wish. As that word "benevolent" that you mentioned says

Guide to Debt Negotiation with My Credit Card Company
Are paying the average of $200.00 per month on your credit card bills? Would you like to be able to negotiate these debts and get them lowered? Well, there are some things that you may be able to do that would help.In some cases, depending on the current relationship and past track record you have with your credit card lender it may be possible. If you have a good relationship you may try calling them and asking if they have any type of rewards programs for good customers. Some of these programs include lowering the interest rates of customers who have demonstrated their creditworthiness. If this is a consideration you should start by calling the card companies that you have been with the longest amount of time. Generally you will also gain creditability for the length of your relationship with the company.There is an option that you can use if you have been late on your payments, or are currently late on them. It is called debt negotiation. The reason that debt negotiation is usually not an option for most people is th

ly. This is a skill to learn just like anything else--riding a bike, playing chess, or learning a language. I've been told you are receiving "thought packets" which you convert to your language and level of understanding.