Is it love, lust or marriage - which one better describes the relationship you're in ?

LOVE- When your eyes meet across a crowded room.
LUST- When your tongues meet across a crowded room.
MARRIAGE- When you lose your child in a crowded room.

LOVE- When intercourse is called "making love."
LUST- When intercourse is called "screwing."
MARRIAGE- What the hell you talking about.

LOVE- When you argue over how many children to have.
LUST- When you argue over who gets the wet spot.
MARRIAGE- When you argue over money.

LOVE- When you share everything you own.
LUST- When you steal everything they own.
MARRIAGE- When the bank owns everything.

Love- When it doesn't matter if you don't climax.
LUST- When the relationship is over if you don't climax.
MARRIAGE- What's climax ?

LOVE- When you phone each other just to say, Hi."
LUST- When you phone each other to pick a hotel room.
MARRIAGE- When you phone each other to b!&%$.

LOVE- When you write poems about your partner.
LUST- When all you write is your phone number.
MARRIAGE- When all you write is checks.

LOVE- When you show concern for your partner's feelings.
LUST- When you couldn't care less.
MARRIAGE- When your only concern is what's on TV.

LOVE- When your farewell is "I love you, darling..."
LUST- When your farewell is "So, same time next week..."
MARRIAGE- When your farewell is a relief.

LOVE- When you are proud to be seen in public with your partner.
LUST- When you only see each other naked.
MARRIAGE- When your wallet empties every time you see them.

LOVE- When nobody else matters.
LUST- When nobody else knows.
MARRIAGE- When everybody else matter and you don't care who knows.

LOVE- When all the songs on the radio describe exactly how yo feel.
LUST- When the song on the radio determines how you do it.
MARRIAGE- When you listen to talk radio.

LOVE- When breaking up is something you try not to think about.
LUST- When staying together is something you try not to think about.
MARRIAGE- When just getting through today is your only thought.

LOVE- When you're only interested in doing things with your partner.
LUST- When you're only interested in doing things TO your partner.
MARRIAGE- When you're only interested in your basketball / baseball score. full story......

6 Reasons Why You Should Be Your Own Boss

If you’ve decided that you’d like to be your own boss, it doesn’t have to remain a dream forever. In fact, with some proper planning on your part, you can become your own boss in no time.

If you want to be your own boss you need to start your own business. Being self-employed will more than likely seem overwhelming in the beginning, but in the end many people feel that the benefits far outweigh the costs. So start brainstorming some business opportunities!

Here are some reasons why you should be your own boss:

1. You’re in Charge of Your Income. This can be seen as a pro or a con at first, but eventually the sky will be the limit as you develop your business. In the beginning, seeking self-employment might not make you as much as you used to, and you also may have to worry about issues like individual insurance coverage. The huge advantage is the fact that you keep every dime that you make and your salary is not capped by your employer.

2. You Have Creative Control. You get to make all of your decisions, no one else is telling you what to do. This is huge because many people run into boredom issues at their jobs. If you can choose the business you want, you can also pick and choose the types of jobs you accept. You do what you want, when you want.

3. You’re Responsible for Your Success. If you’re self-employed you can truly make a difference when you start your own business. This is because the success of the business lies on your shoulders. When you work for a large corporation, it’s easy to mix in with the rest of the employees and feel like it doesn’t even matter whether or not you show up to work. While you’ll still have to work hard when you’re self-employed, you really matter because you are your business.

4. You Set Your Own Hours. Setting your own hours is a huge advantage. You know yourself best and you’ll be able to build a schedule that’s most efficient for you. If you want to work really hard one day, and take a half day the next day, that’s perfectly fine when you’re self-employed. You can work all night and sleep all day if that’s your personal preference!

5. You’ll Be Challenged. Most people will find that they not only reach a salary cap when they work for someone else, but they also reach a point where they’re no longer challenged. When you embark on this new journey for yourself, it’ll be a risk and it’ll be a challenge. Also, as you keep gaining experience and income, you’ll continue to be challenged as you reach higher and higher levels.

6. You Can’t Get Fired. This is a great reason in itself. In the self-employment world you can’t get fired! You can change your mind about certain business opportunities, but that would just be shifting the focus of your business, you’d never be firing yourself. This takes a certain amount of burden off your shoulders because you don’t need to worry about someone suddenly taking away your income just because of cutbacks even if you’re doing a superb job.

Remember that there’s always a certain amount of risk associated with making a major change in your life. It’s never easy when it involves income and the future of your family. However, if you want to be your own boss, you can certainly do so. It may end up opening many doors to better your financial future.
Taken from(http://www.pickthebrain.com/blog/6-reasons-why-you-should-be-your-own-boss/) full story......

Date a Woman Who Challenges You

You’ll recognize javascript:void(0)her easily. She’s the one with a sharp mind of her own and tendency to speak what’s on it. She’s the one who has brought a classic novel with her to read in the doctor’s office waiting room so she isn’t stuck with People magazine. Her clothes are sensible most of the time and her style isn’t always based on fads. You’ll find her at a retail store thanking the staff because she knows what a difficult and thankless job they likely have, or at the DMV with her paperwork already filled out because she hates waiting almost as much as she hates people that expect everything to be done for them.

Date her because she’s great to chat with. She’ll talk circles around you on the topics she’s knowledgeable about, she’ll ask good questions learning about the topics she isn’t. Pursue a relationship with her because her opinion will mean something to you. You’ll bitch about your job in the evening and you’ll have a plan of attack by morning. She’ll call you out when you’ve done something stupid. She’ll side against you if she thinks you are wrong. You’ll be taken aback, but she’ll force you to rethink, reevaluate and see things from another point of view.

Go out to dinner with a woman who can make a reasoned argument. Disagree with her and learn something. Enjoy sharing a meal with a woman who is as pleased to be proven right as to be proven wrong, because she has either taught or learned.

She’ll have her unreasonable moments, as do we all. She will probably even acknowledge she’s unreasonable, maybe even in the middle of being so. Whether she apologizes or not, you’ll know she’s better than that. You’ll find you have no need to hear “sorry” because you’ll appreciate everything you know of her more knowing the emotional turbulence she handles, daily.

Date a woman who challenges you and you’ll grow as a person. You’ll respect yourself more when you’re around her. You’ll be annoyed a surprising amount of the time, sure, but that will pale by comparison with the time you spend wondering what she sees in you (though you know she has reasons that are well thought out and unwavering).

Spend all the time you can with her so that when you grow apart you’ll know you spent your time wisely.

If that doesn’t happen, marry her if she’ll have you. Spend the rest of your life being simultaneously infuriated and awed by a woman who will hold you down and lift you up in the most important ways full story......

Its Never too Late

The first Success Principle we all know is to take 100 percent responsibility for your life. Never has this been more needed than now at this point in time when volunteering. Current societal Indonesian challenges – such as language, Women – Men Relationships , discrimination against your Skin colour – have left many volunteers in a state of resignation and despair.
It is time to turn this situation around. Each of us has the power within us to create the life we want, the life we dream about, the life we were born to live. Each of us deserves to fulfill our full potential and manifest our true destiny. It is our birthright, but it must be claimed. It must be earned through hard work, and part of that work is first learning and then living by the time-tested and ageless principles that are guaranteed to bring about our desired results.
And you, even as a sole individual, can have a tremendous impact.
As a volunteer or aspirator , you have much wisdom to offer the people in your life. The greatest gift you can give anyone is a gift of empowerment and love. What could be more loving than helping someone you care about get free from their limiting beliefs and ignorance about what small things they can do to improve on their social Wellbeing and empowering them to create the life that they truly want from the depths of their soul?
Can you Imagine creating the Possibilities?
What if everyone of us gave up complaining, took full responsibility for ourselves and our lives and started creating the life of our dreams? What if every one in your organization practiced these principles? What if every member of your softball team approached life this way? What if every person you work with and associate with knew these principles and put them into practice in class, on the playing field and in their social life? What if every man and woman in prison was to learn these valuable principles before they were released back into society? It would be a very different world.
Imagine a world where everyone would take 100% responsibility for their lives and the results they produce or don’t produce. Where everybody would be clear about their visions and their goals. Where nobody would fall victim to the criticism and abuse of others. Where everyone would persevere in the face of hardship and challenge.
Men and women would band together in teams to support each other to become all that they could be. People would ask for what they need and want and feel free to say no the requests of others when it is not right for them to respond with a yes. People would stop whining and complaining and get on with creating the life that they want. People would tell the truth and listen to each other with compassion because they know that peace, joy and prosperity would flourish if they did.
In short, the world would work!
Your Contribution Matters
The greatest contribution you can make to the world is to grow in self-awareness, self-realization and the power to manifest your own heartfelt dreams and desires. This is why Mahatma Gandhi advised, “Be the change you want to see in the world.”
As you shift, the people around you will notice and be inspired to model your actions. And as they shift, you’ll find that your little world becomes more of the place you dream it to be, full of support, peace and love.
The next greatest thing you can do is to actively facilitate the growth of others. But they are not the only ones who will benefit by your investment of time and energy in taking on the role of teacher.
Passing along your wisdom forces you to clarify your ideas, confront inconsistencies in your own thinking and more closely walk your talk. But most importantly, it requires you to read, study and speak the information over and over again. The resulting repetition reinforces your own learning.
And here’s another major benefit—the more you help other people succeed in life, the more they will want to help you succeed. If you’ve ever wondered why people who want to help othere with their heart are so successful, here’s the answer: Because they have helped so many people get what they want, those they have helped naturally want to return the favor. The same will be true for you.
Help Create a Movement
I envision a world where every volunteer is inspired to believe in themselves and their abilities and is empowered to reach their full potential and realize all their dreams. full story......

Credit union Think impact

people’s savings goals generally relate to future payments they would like to make: for school fees, housing, weddings, working capital for trading activities or health emergencies. By planning payments, households can seek to stabilize their daily circumstances, develop opportunities to improve their condition in the future, and mitigate shocks that can set their families back. Thus, the notions of savings, payments and budgeting are inextricably linked.
Yet most savings services available to the poor do not link these three elements. Budgeting is often treated as a financial education matter, not directly facilitated by savings products. And the basic accounts of many banks and financial coops often stand in splendid isolation, offering few if any payment benefits.
The innovation of mobile money has been to put payments as the first rung in the ladder of financial inclusion, but now we are observing that the step from sending and receiving money in real time to storing value over time looms large for most users. Budgeting tools may be a missing link in mobile money. To make mobile money services more relevant, they need to be packaged as elements of a broader savings proposition based around helping people budget for today and plan for tomorrow. This should accommodate the mental models that they already use today, just with better tools.
Mobile phones offer a special opportunity for integrating savings, payment and budgeting tools seamlessly for the client. The phone offers a level of immediacy and interactivity that no other kind of banking touch point can deliver. It needs to evolve from being a mere payment instrument (a card and point-of-sale terminal replacement technology) and become a tool that helps people manage their money. The phone can act as a passbook, a calculator, a channel for alerts and reminders – all at your fingertips.
The mobile user interface –the set of screens that people use to handle their finances on a mobile phone—will therefore be a key determinant of how successful mobile money turns out to be in facilitating fuller financial inclusion. How will mobile money providers present the range of budgeting tools, savings options and payment services to their clients? The product challenges in the front end (user interaction on a very limited user interface) will eclipse the traditional challenges in the back end (integration into the core banking system).
Mobile money is not just a cost reduction story; it ought to be a service creation and integration story as well. Mobile phones offer the possibility for banks to maintain a constant presence in their customers’ lives, helping them budget for today and plan for tomorrow. full story......