Credit Cards Safety

Credit cards offer a high level of security and flexibility to customers, and this is why so many people use their credit cards for day to day purchases.

Credit cards are the most commonly used medium of making purchases and paying-off debts—which makes understanding credit card safety very important. Given the recent rise in financial fraud, understanding the basics of credit card protection is important than ever. Find out how to keep the money in your credit cards safe.

SECURITY
Practice basic credit card security. Scrutinize all financial documents and if you notice an anamoly, report it to the relevant organisation. Be careful with your receipts. Tear your ATM slips. Secure your devices and networks. Before disposing of all your old gadgets, wipe out any data on it. Keep your passwords secret. Report lost cards and suspected fraud right away.

ALWAYS UPDATE YOUR INFORMATION
Keep your information current. Check your account often. Change passwords frequently and use different ones for various websites. . Be sure to periodically check to make sure your bank have your correct phone number and email address on file. This way, if anything goes wrong, you can be contacted quickly.

PROTECT YOURSELF ONLINE
Inspect a URL carefully for the presence of an ‘@’ symbol, as it’s a common sign of fake sites. Be very suspicious of websites that display an IP address, or numerical address (http://192.134.2.1), instead of a domain name. Look for sites with https: in their web addresses—the “s” stands for secured.images (7).jpg

Forgiveness in Marital Relationship

Title:
Forgiveness in Marital Relationship

Monica’s partner of more than 12years did not come home one evening and she knew he was with a former lover. He begged for another chance with Monica, but her pride and anger held her back. Monica said she would feel like a fool if she forgave him, even though she still loved him. Monica didn’t end the relationship, but reminds him daily of what he did to her.

Should Monica forgive her otherwise good husband for what he did? Of course, only Monica can make this decision.

Fact is, most marriages cannot survive knowledge of an affair, but some do and can even grow stronger in the long run.

Monica and others who struggle with forgiveness for all kinds of marital offenses (not only affairs) can be helped in their decision by considering the following misconceptions about forgiveness:

MISCONCEPTION #1
Forgiving means that you forget about the offense.
Nothing could be further from the truth. Even though you forgive, you may never forget (and probably shouldn’t) what happened to you.
However, you can tell that you have truly forgiven an offense when you can remember it without experiencing the emotional pain connected with it.

MISCONCEPTION #2
Forgiving means that you are saying what they did was okay.
Quite the opposite. We can still forgive, but see what happened to us as unjust, unfair, or unacceptable.
There are many things that our partners can do to us that we don’t deserve or that violate the contract, covenant, or agreement you have with each other.
Yet, we can forgive by realizing that perhaps they were misguided, or flawed and thus worthy of another chance.

MISCONCEPTION #3
In order to forgive, you need to tell your partner that you forgive them.
Actually, it often backfires if you go up to someone and say “I forgive you,” especially if they see themselves as a victim instead of seeing themselves as someone who warrants forgiveness.
Fact is, forgiveness occurs in your heart— not in the telling someone that you forgive them.
There are exceptions to this, however, and circumstances under which you might want to discuss your forgiveness with them—but only if you think that it will not cause further harm.
For instance, Ifeoma’s husband asked for her forgiveness following a gambling spree which put the family in financial peril. After one year of rehabilitation and a “clean” record, Ifeoma told him that she now forgave him.

MISCONCEPTION #4
If you forgive, it means you will trust them again immediately.
Forgiveness and trust are two separate issues. Even after forgiveness, it may take a long time to re-build trust.
To instantly trust your partner again after being violated is not a sign of good mental health or strong self-esteem.
Doing this may also send a message to your partner that they may continue to violate your trust with little fear of actually having to suffer the consequences.
Marital trust must be re-earned after an offense, based on good behavior— not just smooth words or empty promises.

MISCONCEPTION #5
After forgiving, you will automatically feel positive feelings again for your partner.
The opposite of anger is not love. Absence of angry feelings doesn’t necessarily create warm, positive feelings— sometimes it simply creates neutral ones.
In many cases, of course, it is impossible to ever rekindle the love feelings— even after forgiveness. This is common with ex-partners who learn to let go of the
anger connected with the divorce issues, but never love each other again.

MISCONCEPTION #6
Forgiveness occurs all at once.
Not necessarily. Maybe you can start by forgiving maybe 10%—just open the door—and then see how your partner behaves.
After a period of time, you might open the door a little wider and let go of a little more anger until you are truly able to forgive 100%

No Secrets to Success

Title:
No Secrets to Success!

There Are No Secrets To Success Webster’s Dictionary defines a secret as something kept from public.
knowledge; something mysterious that is beyond general knowledge or understanding. If that were true then it would
mean success is only possible for those few who have access to these great mysterious secrets.
Nonsense!

You Are What You Believe! Today Is YOUR Day!
Today is the day you can decide to change your life. Change
the way you think about things and begin to make a difference in your life.
Decide to believe your life is going to be an exciting
adventure. Decide to believe you will be a success. Decide
to believe today is going to be better than yesterday.
Decide to make a difference for someone else and you will
make a difference for yourself as well.
As you strive toward accomplishing your goals and dreams you need to know that there are no secrets to success!

Decide to believe you will be a success. Decide
to believe today is going to be better than yesterday.
Decide to make a difference for someone else and you will
make a difference for yourself as well. Decide and it will be TRUE FOR YOU!

There are no secrets to success — because they are
available to everyone. You have to WANT to know them. You
have to LOOK for them. You have to DO something with them
once you know them. By applying the four truths I’ve shared
with you today, your life will change dramatically – success
will be within your grasp and you will make a difference.

SAVE YOUR MARRIAGE BEFORE DIVORCE

Save your Marriage before Divorce

A happy marriage is one of the finest things life can offer. Everyone wants to have a happy marriage. But after some time different kinds of problems appear in our life. Many people give up on a marriage too soon, and too many marriages end up collapsing by unresolved difficulties.

What happens if none of those things from the beginning of your relationship are happening any more such as: the little favours, cook your favorite meal, buy you something special; those little things that showed you he/she cares about you? Knowing that you may be losing the person you love is hard on anyone. You are probably feeling scared and confused, not knowing what to do next. If you feel that your marriage is in crisis, don’t show your partner that you’re panicking; try to keep calm and in control of your emotions.

Both of you need to remember that no matter how bleak things seem, it is possible for many marriages to get back on course, but both husband and wife should be willing to cooperate. The important thing is to stay calm and to know what to avoid and what to aim for to make the relationship work. You can save your marriage even if your partner wants a separation, divorce, or doesn’t love you anymore. But to stop divorce you need to avoid doing what hurts your relationship, knowing that there’s always a hope to save your marriage.

Jealousy is one of the reasons why most people get divorce, but is not the only one. For instance, If your spouse found out your act of infidelity and that’s why she wants to get divorce, the hardest thing you will need to do is to rebuild trust in your relationship: always be on time home, do what you say you do and be honest. Also, never lie to your spouse again, communicate clearly all the time, take time to reassure your spouse if she feels insecure. show her affection on regular basis and also be patient with her.(same thing applicable to the woman)

As I said, there are many other reasons why people get divorce. This is usually a big mistake so try first to do all the sacrifices that are necessary to save your marriage.

-first and the most important is to identify your problems; take an honest look at the relationship and determine what the problems are; truly express what is disturbing you in as much details as possible; look for solutions rather that blaming your partner

-if you are guilty for this situation, show her/him your companion, respect and affection. Remind your spouse how much you love her/him and put meaning from the heart into those words

-start doing things that were usually done when both of you were still madly in love

-express your feelings, communicate your feelings honestly and openly as you can

-establish open dialog and begin to compromise and heal; discuss about your feelings and come to an agreement about what you feel the relationship needs

-also you have to learn to listen as well; the things that are brought up should be treated as guides so that the couple will learn how to respect each other’s feelings and points of view; she may talk about what she is feeling regarding the relationship vice versa

-you have to work hard to understand and change what is bothering your partner in the relationship; even if she still loves you, she may see some persistent problems in you, and that’s why she may have lost hope for the relationship because of them; you have to understand better your partner’s perception of these problems

-if you are getting stale on your sex life, talk to each other, spend more time alone just the two of you, go on a vacation

-open yourself to the fact that any issue can be understood and interpreted in a variety of ways, otherwise you will continue to stay in a rut

-learn to internalize and understand that your partner is not you; both have to find ways to empathize with the other’s point of view

-appreciate the value of the other’s experience in the way that is different than yours

-don’t allow old negative behavior patterns to swamp the present moment

-This is very important…learn to forgive and forget; learn to forget anything and accept one another; bringing up the past will not save the marriage; one must learn to forgive the spouse and forget all the mistakes from the past

-seek both for a solution; remember that you are two different people; is not about who is wining here, it’s about respect, intimacy, growth and emergence(I must add this…AVOID A 3RD PARTY rather go for counselling)

-set goals to work as a couple, such as: to communicate without arguing, to attempt to do things as a couple, to find an end to your problems, and also write down your feelings and allow the other to read them

-last but not the least, be patient; your marital problems did not crop up overnight and they will not be healed overnight; discuss all the emotions that you both feel until you are centered and ready to begin afresh.

So, if you have some problems in your marriage, wait first to see if that marriage can be saved, don’t be in a hurry to get divorced. Always have to think positive, that there is a hope to save your marriage no matter how many problems appear in your life. And remember that to have lasting satisfaction you need to know how to keep love and good feelings alive.

Bringing Innovation into your Life

It’s a talent that everyone has, yet they think they don’t. The power of innovation. If you’ve ever marvelled at somebody’s creative prowess, guess what, you can create and innovate too. It just takes time. Everyone is born creative. The box of crayons in kindergarten were not limited to those who possessed potential; because the truth is, everybody has potential.

You know how long it took to learn to ride a bike or drive or to never commit the same mistake again? It’s the same with innovation. It takes a bit of practice and a lot of time before this mind function comes easily when called. This article will teach you a few tips on how to bring innovation into your life.

Don’t listen to what other people say. Follow the beat of your own drum. Allowing for the input of other people will only bring cacophony to the music you are trying to make. If you have an original idea, don’t waste your time and effort trying to make people understand. They won’t. And the help you will probably get comes in the form of negative feedback. If all those geniuses listened to their peers, we would probably still be living in the middle ages.

Spend time on it. I cannot stress that enough, although, please do not mistake this tip to tell you to quit your day job entirely. Do not. This involves some tricky time management but with a little discipline you’ll be able to squeeze both in.

Exercise. Take a walk. Run a mile or two. Send all those endorphins coursing through your veins. Exercising certainly clears and relaxes your mind and allows for anything to pop up.

Record your dreams. Aren’t some of them just the craziest things that your conscious mind would never have thought of? If you’ve had these dreams before, and I’m sure have, this only shows you the untapped innovative power you have lying within. So jot down those notes. Those dreams may just create an innovative spark in you.

Find your own style. You can always tell a Van Gogh from a Matisse. You’ll know Hemingway wrote something by the choice of words on the paper. So it is the same with you. People will appreciate your innovation more because it is uniquely yours and that no one else would have thought of what you were thinking. That will let people see how valuable an asset you are.

Don’t hide behind nifty gadgets or tools. You don’t need the most expensive set of paints to produce a masterpiece. The same way with writing. You don’t need some expensive fountain pen and really smooth paper for a bestseller. In fact, J.K. Rowling wrote the first book of the Harry Potter Series on bits of tissue. So what if you’ve got an expensive SLR camera if you’re a crappy photographer? Who cares if you’ve got a blinging laptop if you can’t write at all? The artist actually reduces the number of tools he has as he gets better at his craft: he knows what works and what doesn’t.

Nothing will work without passion. What wakes you up in the mornings? What keeps the flame burning? What is the one thing that you’ll die if you don’t do? Sometimes people with talent are overtaken by the people who want it more. Think the hare and the tortoise. Ellen Degeneres once said that if you’re not doing something that you want to do, then you don’t really want to do it. And that’s true. Sometimes you just want something so bad you become a virtual unstoppable. And that is passion. Passion will keep you going.

Don’t worry about inspiration. You can’t force it; inspiration hits when you least expect it to, for those unpredictable yet inevitable moments you should prepare. An idea could strike you on the subway, yet alas, you poor unfortunate soul; you have no sheet of paper to scribble down a thought that could change the world. Avoid these disasters. Have a pen and paper within your arm’s reach at all times.

I hope this article has helped you bring more innovation into your life. Keep in mind that you’re doing these things for your own satisfaction and not anybody else’s. But soon enough they will notice, and everything should snowball from there.

Change Your Point of View

“Two men look out through the same bars: One sees the mud, and one sees the stars.”

If you’ve placed second in a writing contest, will you jump for joy and push for better results the next time or will you be discouraged and find an excuse not to join again?

In life, you are always filled with choices. You may opt to have a pessimist’s view and live a self-defeated life or you may decide to take the optimist’s route and take a challenging and fulfilling life.

So why nurture an optimist’s point of view? And why now?

Well, optimism has been linked to positive mood and good morale; to academic, athletic, military, occupational and political success; to popularity; to good health and even to long life and freedom from trauma.

On the other hand, the rates of depression and pessimism have never been higher. It affects middle-aged adults the same way it hits younger people. The mean age of onset has gone from 30 to 15. It is no longer a middle-aged housewife’s disorder but also a teen-ager’s disorder’ as well.

Here’s how optimists are in action and researches that back up why it really pays to be an optimist:

Optimists expect the best

The defining characteristic of pessimists is that they tend to believe bad events, which will last a long time and undermine everything they do, are their own fault.

The truth is optimists are confronted with the same hard knocks of this world. What differs is the way they explain their misfortune—it’s the opposite way. They tend to believe defeat is just a temporary setback, that its causes are confined to this one case.

Optimists tend to focus on and plan for the ‘problem’ at hand. They use ‘positive reinterpretation.’ In other words, they most likely reinterpret a negative experience in a way that helps them learn and grow. Such people are unfazed by bad situation, they perceive it is a challenge and try harder.

They won’t say “things will never get better,” “If I failed once, it will happen again” and “If I experience misfortune in one part of my life, then it will happen in my whole life.”

Positive expectancies of optimists also predict better reactions during transitions to new environments, sudden tragedies and unlikely turn of events. If they fall, they will stand up. They see opportunities instead of obstacles.

People respond positively to optimists

Optimists are proactive and less dependent on others for their happiness. They find no need to control or manipulate people. They usually draw people towards them. Their optimistic view of the world can be contagious and influence those they are with.

Optimism seems a socially desirable trait in all communities. Those who share optimism are generally accepted while those who spread gloom, panic and hysteria are treated unfavorably.

In life, these people often win elections; get voted most congenial and sought for advice.

When the going gets tough, optimists get tougher

Optimists typically maintain higher levels of subjective well-being during times of stress than do people who are less optimistic. In contrast, pessimists are likely to react to stressful events by denying that they exist or by avoiding dealing with problems. Pessimists are more likely to quit trying when difficulties arise.

They persevere. They just don’t give up easily, they are also known for their patience. Inching their way a step closer to that goal or elusive dream.

Optimists are healthier and live longer

Medical research has justified that simple pleasures and a positive outlook can cause a measurable increase in the body’s ability to fight disease.

Optimists’ health is unusually good. They age well, much freer than most people from the usual physical ills of middle age. And they get to outlive those prone to negative thoughts.

So why not be an optimist today? And think positively towards a more fulfilled life.

Why not look forward to success in all your endeavors? Why not be resilient? Like everybody else you are bound to hit lows sometimes but don’t just stay there. Carry yourself out of the mud and improve your chances of getting back on the right track. And why not inspire others to remove their dark-colored glasses and see life in the bright side?

SELF ACCEPTANCE-SUCCESS

SELF ACCEPTANCE

Everything that happens to us happens in purpose. And sometimes, one thing leads to another. Instead of locking yourself up in your cage of fears and crying over past heartaches, embarrassment and failures, treat them as your teachers and they will become your tools.

Where do we start? Take these tips, my friends…
That your friend got a job before you or got married before you doesnt make you a failure.
*Stop thinking and feeling as if you’re a failure, because you’re not. How can others accept you if YOU can’t accept YOU?
Self acceptance is not just about having nice slender legs, or great abs. Concentrate on inner beauty.

*When people feel so down and low about themselves, help them move up. Don’t go down with them. They’ll pull you down further and both of you will end up feeling inferior.

*The world is a large room for lessons, not mistakes. Don’t feel stupid and doomed forever just because you failed on a science quiz, your final year project defence or a 4unit load course. There’s always a next time. Make rooms for self improvement.

*Take things one at a time. Rome wasnt built in a day. Self improvement is a one day at a time process.

*Self improvement results to inner stability, personality development and dig this …. SUCCESS. It comes from self confidence, self appreciation and self esteem.

* Set meaningful and achievable goals. Self improvement doesn’t turn you to be the exact replica of someone else. It hopes and aims to result to an improved and better YOU.

*Little things mean BIG to other people. Sometimes, we don’t realize that the little things that we do like a pat on the back, saying “hi” or “hello”, greeting someone “good day” or telling Mr. Chijoke something like “hey, I love your tie!” are simple things that mean so much to other people. When we’re being appreciative about beautiful things around us and other people, we also become beautiful to them.

*When you’re willing to accept change and go through the process of self improvement, it doesn’t mean that everyone else is. The world is a place where people of different values and attitude hang out. Sometimes, even if you think you and your best friend always like to do the same thing together at the same time, she would most likely decline an invitation for self improvement.

We should always remember that there’s no such thing as ‘over night success’. Its always a wonderful feeling to hold on to the things that you already have now, realizing that those are just one of the things you once wished for. A very nice quote says that “When the student is ready, the teacher will appear.” We are all here to learn our lessons. Our parents, school teachers, friends, colleagues, officemates, neighbors… they are our teachers. When we open our doors for self improvement, we increase our chances to head to the road of success.

SELF IMPROVEMENT

THE IMPORTANCE OF SELF IMPROVEMENT

Hello dear friends. I will startup this topic with scenarios for better understanding.

We look at a young business entrepreneur and say “Wooh… what else could he ask for?” He stares at himself at the mirror and murmur to himself, “I hate my big eyes… I wonder why my friends won’t talk to me… I hope mom and dad would still work things out.”
You spot a totally eye-catching girl sitting by herself at a party, casually sipping on a glass of wine. You think to yourself, “she looks so perfectly calm and confident.” But if you could read through her transparent mind, you would see a bunch of clouds of thoughts and you might just be amazed that she’s thinking “are people talking about why I am seated here alone?… Why don’t guys find me attractive? …I don’t like my ankles, they look too skinny… I wish I was as intelligent as my best friend.”

Isn’t it funny? We look at other people, envy them for looking so outrageously perfect and wish we could trade places with them, while they look at us and thinks of the same thing.
sometimes, when all our doubts, fears and insecurities wrap ourselves up, we always come up with the idea of “I wish I was somebody else.” More often than not, we think and believe that someone or rather, most people are better than us.- when in reality, the fact is, most people are more scared than us.

We are insecure of other people who themselves are insecure of us. We suffer from low self-esteem, lack of self-confidence and lose hope in self improvement because we are enveloped in quiet desperation.

Sometimes, you notice that you have an irritating habit like biting off your finger nails, having a foul mouth, and you – of all people, is the last to know.
I have a friend who never gets tired of talking. And in most conversations, she is the only one who seems to be interested in the things she has to say. So all of our other friends tend to avoid the circles whenever she’s around, and she doesn’t notices how badly she became socially handicapped – gradually affecting the people in her environment.

One key to self improvement is to LISTEN and TALK to a trusted friend. Find someone who you find comfort in opening up with even the most gentle topics you want to discuss. Ask questions like “do you think I am ill-mannered?”, “Do I always sound so argumentative?”, “Do I talk too loud?”, “Does my breath smell?”, “Do I ever bore you when w are together?”. In this way, the other person will obviously know that you are interested in the process of self improvement. Lend her your ears for comments and criticisms and don’t give her answers like “Don’t exaggerate! That’s just the way I am!” Open up your mind and heart as well. And in return, you may want to help your friend with constructive criticism that will also help her improve her self.

One of Whitney Houston’s songs says “Learning to love yourself is the greatest love of all.” True enough. In order to love others, you must love yourself too. Remember, you cannot give what you do not have.

Before telling other people some ways on how to improve themselves, let them see that you yourself is a representation and a product of self improvement. Self improvement makes us better people, we then inspire other people, and then the rest of the world will follow.

Stop thinking of yourselves as second-rate beings. Forget the repetitive thought of “If only I was richer… if only I was thinner” and so on. Accepting your true self is the first step to self improvement. We need to stop comparing ourselves to others only to find out at the end that we’ve got 10 more reasons to envy them.

We all have our insecurities. Nobody is perfect. We always wish we had better things, better features, better body parts, etc. But life need not to be perfect for people to be happy about themselves.Self improvement and loving yourself is not a matter of shouting to the whole world that you are perfect and you are the best. It’s the virtue of acceptance and contentment. When we begin to improve ourselves, we then begin to feel contented and happy.

See you at the TOP.

ARDARRH CHUDI

Power through the People

Power through the people

Have you come across a person who is so naturally friendly that when you put him inside a room of strangers, he’ll be friends with almost everyone in no time? We call such a people-person, someone unbelievably nice and charismatic that he can charm anyone into doing anything.

A socially-empowered person achieves so much greatness, basically because of the people that catapult him to success. He earns the trust and all-out support of the people, whom he had helped before. He never runs out of help. He can do anything with the plethora of people behind him. All because he knows he maximizes his social potential!

See, if you know your social skills and you make use of them, you will reach self-empowerment. Self-empowerment is making a general overhaul in your life and turning yourself into a happier and more successful person.If you can be one of those people-persons, then I can’t see any reason why you will not succeed. You just have to know how to start.

1. Be genuine.

Hypocrisy will just bring you all the way down. Be genuinely nice and interested to people. Once they perceive that you are Mr. Hypocrite with selfish intentions, you might as well say goodbye to self-empowerment.

2. Be the greatest listener that you can be.

To earn the love and trust of the people, listen to their problems and sympathize with them. Do not just hear them out, listen to them with your heart. Make eye contact when the person talks to you. Listen as if every word matters, and it does. Brownie points when they find out that there is a confidante in you.

3. Laugh out loud.

I do not mean that you force yourself to laugh for every joke cracked by someone, albeit you do not find it funny at all.This means finding humor in things and not being too darn serious. A person oozing with an awesome sense of humor attracts crowds and eventually, attracts success.

4. Don’t forget yourself.

In the process of fluttering around like a social butterfly, you might forget yourself, allowing everyone to push you over. Remember, love and value yourself before anyone else. If you deem yourself respectable and worthy of affection, people will flock to you and not trample on you.

5. Do random acts of kindness.

You don’t have to do a John Rockefeller and blow your savings to charity. Little acts of kindness matters the most, and this can be as simple as giving someone a surprise you-take-care card or helping an elderly cross the street. When we were kindergarten students, kindness was taught to us and greatly practiced. Now is the time to revive the good deeds and this time, let them stay for good.

6. Contact your old friends.

Sad how some friendships are destined to goodbye, but thanks to technology, you can do something about it. Relive the good old days by flipping your yearbook and look for the great people whom you want to communicate with again. Adding these old friends to your roster of support peers will surely make you feel good all over.

7. Develop your personality.

Are you grouchy, grumpy and generally morose? Whoa, you can’t go through life with those. Get rid of the bad traits and habits that perpetually hamper your growth. And really, who wants a grouchy friend anyway?

8. Be confident.

Be able to stride to the other corner of the room and introduce yourself to people with that winning smile of yours. Just remember: be confident, not arrogant.

9. Practice control.

When angry, don’t snap at anyone. Never throw a tantrum. Stay calm and collected. Be adult enough to take control of situation and transform your anger into something more productive and passive. As soon as people think your anger goes to volcanic proportions easily, they will find it hard to come to you.

10. Keep nurturing your relationships.

Your relationship with your family, friends and significant others is too precious that you must not neglect it whatever happens. Go out and have fun with them. Do things together. Happiness will never fly from your side as long as the people who matter the most are close to you.

In the end, using people for self-empowerment means becoming a better and more lovable person. It’s a win-win situation: the people know they can turn to you anytime and vice versa.