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The director of the Serious Fraud Office (SFO) and the Solicitor General,[link widoczny dla zalogowanych], Edward Garnier QC, have recently made no secret of the fact that they consider the criminal justice system to be incapable of dealing with corporate prosecutions in a way that refects commercial realities. The blunt impact of a prosecution of a company has the impact of damaging innocent parties including employees, shareholders and creditors. Garnier cited the cautionary example of the ill-effects of prosecution caused to Arthur Andersen, eventually acquitted on charges of obstruction of justice by the US Supreme Court, many years after the allegations had destroyed the company. US prosecutors have a tool at their disposal, the deferred prosecution agreement (DPA),[link widoczny dla zalogowanych], which is being touted as a viable alternative to the present options of either prosecution or civil recovery. Much of the impetus for the reform has been caused by the difficulties faced by the SFO when they sought to prosecute Innospec. The SFO effectively had already agreed with the company, pre-sentencing, the nature of the sentence in return for a guilty plea. This was criticized by Thomas LJ who reminded the SFO that it is for the Judge to determine sentence at his discretion and especially that any plea must be “rigorously scrutinized in open court”.
 
The US Approach
 
In the US, DPAs are considered a hugely important weapon in the armoury of a highly successful prosecutor – the Department of Justice, which entered into nine DPAs in 2009. The DPA does pretty much what it says on the tin, deferring criminal prosecution pending certain terms and conditions being agreed (and adhered to) and fled in a formal indictment at court. Typical conditions are that prosecution is deferred for two - three years with the payment of a fine commensurate with the Federal Sentencing Guidelines, disgorgement of profits, a clear out of implicated directors, a possible pull-out from the market in which the wrongdoing is admitted, and the possible instruction of a court appointed monitor where the corporate does not have proper anti-corruption procedures presently in place.
 
The appointment of monitors has been particularly contentious in the US where there have been allegations of a lack of transparency in their appointment, cronyism and high cost. The costs charged by monitors is particularly eye-watering to UK onlookers. Innospec were charged $50m for the corporate monitor (described by the sentencing Judge as “an outrage”), agreed as part of their DPA in the US.
 
Are DPAs Right for the UK,[link widoczny dla zalogowanych]?
 
As it stands in the UK, the SFO has found it difficult, time consuming and costly to prosecute corporates in the UK for bribery and related offences as well as occasionally stymied by political interference. It is unlikely to find it any easier under the Bribery Act. It should also be noted that the SFO has been given no new money to prosecute offences committed under the Bribery Act. DPAs would therefore be a godsend. Corporates for their part may accept their criminality more readily should they be given the option of accepting a DPA as opposed to being prosecuted with all the economic damage that would entail. Explicit in the agreement of the DPA is that the company is properly prosecutable (ie,[link widoczny dla zalogowanych], the identification principle is met) and the course of conduct meets the criminal test for prosecution ie, this isn’t a civil recovery under Pt.5 of POCA.
 
Thomas LJ again commented in his Innospec judgment that matters involving corrupt payments “will rarely be appropriate to the dealt with by a civil recovery order”. One wonders whether the judiciary will be resistant to DPAs which explicitly admit criminality but where penalty may be considered tantamount to a civil recovery order.
 
What Will DPAs Look Like,[link widoczny dla zalogowanych]?
 
The mechanics of DPAs are a long way from being ironed out. The DPAs must have the public’s confidence and, in the words of Garnier be “policed and controlled by the judiciary”. In the event that an offence is either detected, perhaps through a whistleblower, or self-reported and the SFO considers a DPA may be an appropriate resolution, the Judge will become involved early, and before charges are brought to scrutinize any propsed agreement. This will be problematic. However, Judges in the criminal justice system are already accustomed to providing early input in sentencing, through the procedure of Goodyear indications. In such cases where an individual is considering pleading to agreed facts he may request a-binding indication on sentence in open court, with reporting restrictions, from the trial Judge. Once given an indication, the defendant is not committed to pleading. It will be the type and severity of the sentence that will be the most contentious aspect of DPAs and the most at risk to accusations of a lack of transparency. In addition, it is essential for the corporates legal team to be able to advise with a degree of reasonable certainty what the likely sentence will be. The US has a system by which sentence can more or less be worked out on a calculator – that is an anathema to Judges here. In light of the Grazia Report, a number of guidelines were introduced in this area (eg,[link widoczny dla zalogowanych], Attorney General’s Guidelines on Pleas, and the SFO Guidelines on Self Reporting),[link widoczny dla zalogowanych], which are instructive for advisers and clients. In the absence of settled Court of Appeal case law on corporate sentencing, properly debated and approved sentencing guidelines (related to the guidelines already issued by the sentencing council for theft and statutory fraud offences) setting out procedure and factors affecting sentence would be helpful in answering criticism of a lack of transparency as well as assisting parties to the DPA.Finally, it will be important that it is made explicit that while DPAs may prove an alternative to prosecution for corporates,[link widoczny dla zalogowanych], where individual criminality is committed (as is necessary for the corporate to meet the identification principle), DPAs will not provide immunity to those directors deserving of prosecution.
 
We consider that as with most US developments in business crime, DPAs are likely to prove popular over here with the SFO. The principal question exercising legislators will be how to ensure that DPAs have the public’s confidence that they are fair and just while ensuring that Judges’ concerns will be met and the sacrosant principles underpining sentencing will not be underminded.
 
Is using the F word to an officer of the law now acceptable?
22 November 2011 No Comment
By Sarah Lewis
 
Our changing attitude towards bad language was highlighted last week in Harvey v DPP, AC, 17 November 2011 which confirmed that,[link widoczny dla zalogowanych], whilst it is an offence to use threatening, abusive or insulting words and behaviour,[link widoczny dla zalogowanych], swearing at police officers is not a crime because of cers hear foul language all too frequently to be harassed, alarmed or distressed by it.
 
This is decision overturned the public order conviction of Denzel Harvey, a young suspect who repeatedly said the ‘F’ word while being searched for drugs.Harvey was standing with a group of people outside a block of flats when he was approached by police officers who told him that they wished to search him. His response to the officers was, “F— this man. I ain’t been smoking nothing”. He was warned about his behaviour and threatened with an arrest under s 5 Public Order Act 1996.
 
When the search revealed nothing, he continued, “Told you, you wouldn’t find f— all”. He was further warned and then, when asked if he had a middle name, he replied, “No,[link widoczny dla zalogowanych], I’ve already f—ing told you so”. Harvey was arrested for a s 5 offence,[link widoczny dla zalogowanych], and subsequently convicted before the Magistrates’ Court who held that “there were people around who don’t need to hear frightening and abusive words issuing from young men” despite there being no evidence that anyone, officer or otherwise, was in fact caused harassment, alarm or distress.”
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By allowing the huge Chinese population to accumulate precious metals — and even officially promoting ownership of precious metals — this creates a domestic supply that could even be confiscated, if deemed necessary by Chinese authorities.
Monetary policy is often aimed at keeping the population at ease, 'as they ease'. To help ensure a soft landing for the Chinese economy means assuming an inflationary monetary policy.
The following sections will discuss at least three reasons which come to mind that may be behind this official Chinese policy switch.
Contrary to popular belief, controlling inflation is not as easy as one might think,[link widoczny dla zalogowanych], largely because doing so boils down to managing perception,[link widoczny dla zalogowanych], confidence and belief,[link widoczny dla zalogowanych], and these things can be very difficult to rationalize.
China still lags considerably in its official gold reserves, and to increase them in even a small way could induce a market panic that would push the price of gold substantially higher.
Due to China’s huge size,[link widoczny dla zalogowanych], its developing economy is having a growing influence on the global economic system. One commodity that has been particularly strongly affected by Chinese popular demand is silver and other precious metals like gold.
This comes also at a time where uprisings are occurring all over the world,[link widoczny dla zalogowanych], most visibly in the Middle East,[link widoczny dla zalogowanych], though imminent in the EU.
The Chinese economy still needs to produce before the Chinese people can consume. With economic production elsewhere in the world still lagging far below Chinese levels - especially outside Asia - the supply of goods for the Chinese to consume is dwindling.
Not only has the Chinese government been moving toward holding precious metals in reserve as an alternative to paper currencies like the U.S. Dollar,[link widoczny dla zalogowanych], but it has recently also encouraged its citizens to own precious metals as a way to store their wealth in a valuable physical asset.
One way of keeping the people quiet is to allow them some alternative to paper currency to help them feel more economically secure,[link widoczny dla zalogowanych], and precious metals, which have long been an intimate part of the culture, provide exactly that sort of security for the Chinese.
Reason #3: China’s Changing Leadership
For centrally planned economies,[link widoczny dla zalogowanych], monetary intervention remains the only hope for quelling the potential social and political unrest. If sentiment from the recent U.S. Federal Reserve FOMC minutes is any indicator,[link widoczny dla zalogowanych], it looks increasingly likely that they will comply sooner rather than later.
China is currently undergoing the first ‘power transition' in the ruling communist party that has been made in the context of China being a major global economic power.
Reason #2: Collectively Increasing the Nation’s Supply of Precious Metals Without Direct Buying or Spooking the Markets Higher
The world has never experienced this type of change in leadership in an economy that accelerated to become so large over such a short period of time.
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Reason #1: Controlling Inflation as the Chinese Economy Lands
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Minding your tongue around your children can be one of the most difficult behaviors to master after a divorce. Couples that “play” together, monogamous relationship. So what’s a person to do?
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You want to know how to publish a book without taking risks… yet,[link widoczny dla zalogowanych], if you love celebrated American author Ray Bradbury’s cliff-jumping aphorism* as much as I do, and if you want to see your book in print, you’re more than ready to make that leap.
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I speak from experience when I tell you that an SBI website for marketing and promoting your book will save time, energy and money—lots of it. If you’ve ever experienced the frustration of depending on “the experts” to fix a broken link, add new information or do some other expensive IT repair, you’ll know how valuable it is to be the (web)master of your own domain.
While your book is in production, purchase a SiteBuildIt.com (SBI) web package for $299. It will be the best investment you ever made because it includes domain registration and hosting, design tools and strategic content-based SEO marketing—built into the technology.
Instead of taking that downward plunge into possible oblivion, let your wagon be your website and hitch it to the virtual stardom of online writing, publishing, marketing and promotion.
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Become a super social networker
It’s the Law
Jump off the bandwagon now!
Become a super social networker; participate in online communities such as SelfGrowth.com. Like SBI, the SelfGrowth.com team has a sincere desire for you to succeed. They really do consider your success a feather in their caps. That’s why they offer so many free support materials,[link widoczny dla zalogowanych], and why both enterprises attract so many amazing and accomplished people.
Regardless of the marketing, promotion and advertising that a traditional publisher may do for you once your book is released, they will never be able to compete with you. You are the best salesperson of your book because no one is as familiar with the material as you are. No one shares your passion for delivering your message. Your books are your children.
One of my favorite online marketing gurus, Joe Vitale, candidly states that authors are their own best marketers; I was pleased to discover that my personal experience is supported by an expert.
So what if your book doesn’t land on the shelves of brick and mortar stores because they have a rule against taking print on demand books? You can create your own physical bookstore, if you feel like you’re missing out on something. Go to your local coffee shop and ask them to display your books. Set a date to have a book reading and signing. Be creative and make your own waves.
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If you’re lucky and one of these overworked agents (usually with unread manuscripts teetering several feet high on desks,[link widoczny dla zalogowanych], adjoining tables and even the kids’ toy chests and laundry baskets) decides to take you on as a client, the next step is that agent’s shop-around to the handful of traditional publishers that still pays an advance against royalties.
I’m also delighted to learn how many SelfGrowth.com experts teach the Law of Attraction. Whether their training comes from Abraham-Hicks or from the popular DVD, The Secret, the spirit and energy of both resonate with the message I deliver through my writing and publishing businesses.
Doesn’t that sound more exciting (and practical) than sitting by the phone? I don’t know of any writer who likes to waste time. The mind-clock is always ticking and the biological clock always tocking. Polish off that manuscript and move it onto the assembly line. Co- or self-publish it!
If all of this sounds like Greek-geek to you, don’t worry. SBI sends you enough support material for more than one lifetime! The combination of Dandelion’s coaching services (call me if you run into snags—no charge), you’ll soon know how to publish a book and start to build a loyal client base.
When you tell the universe that you want to write a book, the universe responds by placing your hands on the keyboard. When you are ready to publish your book, you will be brought to people who believe in you and who are eager to support your dreams.
Here’s the challenge: the manuscript is ready to go. You’ve submitted it to several literary agents and now you’re playing the waiting game. How many weeks, months has it been already since you’ve heard from any of them?
Make sure your book reads well and has been professionally edited. If it needs more than an edit,[link widoczny dla zalogowanych], make the investment. It’s worth it to have a work you can be proud of.
Create a website with built-in strategic marketing IT
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You have been deceived into thinking that saturated fats can be harmful for you, however let us take a look at some information and facts down the page...
To get started, choosing an adequate supply of healthy and balanced dietary fats is very important to your overall health. Fats are some of the main components in all of the cell membranes across your overall body. When you eat a sufficient amount of good natural and organic fats, your cellular processes will proceed normally.
These three essential macronutrients serve crucial processes for a lean, healthier, and disease-free body. As Dr. Mary Enig, Ph.D,[link widoczny dla zalogowanych], and one of the top saturated fats experts across the world,[link widoczny dla zalogowanych], notes in several of her books and content articles, there is certainly little or no true scientific studies supporting the declaration that a high-fat diet is unhealthy for people.
These kinds of fatty diet habits and also the associated very good health and wellness of traditional communities across the world go on and on, but it appears that a lot of healthcare doctors, nutrition experts, and mass media shops still underestimate these truths and continue to promote an eating plan that reduces fat ingestion.
What about traditional Mediterranean diet programs, which are considered to be very high in fats in some instances (in some cases as much as 50-70% fat), and are also known to be very healthy?
Why did people in the Masai indigenous group in Africa continue to be totally free from degenerative disorders and sustain reduced excess body fat proportions on diet habits including things like big amounts of natural dairy, blood,[link widoczny dla zalogowanych], as well as animal meat? Think about the Samburu tribe in The African Continent, which eats typically five times the volume of dietary fat (mainly right from fresh whole milk and meat) as overweight, disease-ridden Us residents, yet Samburu people are slim, strong,[link widoczny dla zalogowanych], and without any degenerative disorders?
These recommendations of the high fat diet plans of common populations as well as their corresponding good overall health were definitely simply to prove the reality that you don't need to be afraid of nutritional fats as long as you make balanced natural decisions and remain within your daily caloric range to help maintain or shed excess weight (determined by your goals and objectives).
Additionally,[link widoczny dla zalogowanych], good dietary fats are crucial for ideal hormone production and equilibrium within your body and are for that reason very important to the muscle building and fat burning processes. Other important functions that dietary fats play in a healthy body are aiding mineral and vitamin consumption, molecule regulation,[link widoczny dla zalogowanych], vigor,[link widoczny dla zalogowanych], and so on.
On the other hand, if you consume man-made, highly processed, chemically altered fats (ruined fats) that can be found in nearly all junk foods, your cellular function will likely be reduced simply because these destroyed fats end up part of your own cellular membranes, the body will be required to work harder to function the right way, and degenerative illnesses may develop.
Also, why did conventional Eskimo populations, eating around 75% of their overall calorie consumption from fat (primarily from whale blubber,[link widoczny dla zalogowanych], seal fat, organ meat, and also ice cold water sea food), display outstanding physical health and extended life without cardiovascular disease or fatness?
Keep in mind that I’m not suggesting carrying out a very high-fat diet regime (although theoretically this could be much healthier compared to a extremely high carb diet when you choose good fats).
As an example, if these so called "health experts" that admonish fat are correct, and a low-fat diet plan is the solution to health and well being, then why did traditional Pacific Islanders who often obtained 2/3 to 3/4 of their entire every day energy coming from fat (generally coming from coconut fat), continue being pretty much totally free from heart disease, being overweight, along with other today's degenerative disorders (that is, until Western dietary impacts invaded)?
By Andrew Walker
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Even so,[link widoczny dla zalogowanych], in most situations, active folks that exercise on a regular basis absolutely also require the correct sources of beneficial carbs to get energy and muscle glycogen replenishment as well as quality protein sources for muscular restore.
I cringe each and every time I get to hear so called "health experts" recommend reduction of dietary fat, saying that a low-fat meal is the key to great health, weight reduction, and elimination of degenerative conditions. Restriction of just about any one macronutrient (protein, carbs, or fat) in your daily diet is working in opposition to what the body demands and can basically cause troubles.
Clearly,[link widoczny dla zalogowanych], the issue is that the positive fats (natural organic health promoting fats) have become incorrectly lumped together in eating suggestions with all the dangerous processed fats and oils which make-up a large proportion of virtually all manufactured foods that is sold in your neighborhood food store, restaurant, deli, fast food joint,[link widoczny dla zalogowanych], etc. All of these deadly manufactured fats are virtually all around you and impossible avoiding in case you know exactly what to look for making smart choices with what you feed your body with and if you desire to uncover how to get six pack abs this is actually the first step to make,[link widoczny dla zalogowanych], modifying your diet regime.
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By this time I’ve run through this self-talk, we’re a couple of kilometres down the road already, and I’ve missed it all. I’m so busy concentrating on an area and even re-scanning it to make sure there was no movement, that I don’t see the fuller picture. I concentrate on keeping my eyes far out on the horizon to potentially see what could be ‘out there’.
4. Trying too hard limits you
The idea behind animal-spotting is to pan the bush with your eyes as widely as possible. You look for the tell-tale signs that animals are hidden somewhere in the vast expanse before you.
Atoms are the basis of everything and are held together by energy levels. Therefore everything is constantly vibrating, moving, changing and moving forward. This is part and parcel of our existence.
What would happen if you could see the situation through a new set of eyes,[link widoczny dla zalogowanych]? From a different angle,[link widoczny dla zalogowanych]?
2. Perspective changes your reality
We spent some time in Cape Town before heading to the bush, and our bedroom window had a view of Robben Island (where Nelson Mandela was held). It was a long, elongated island. But later, I also had the opportunity of seeing it at sunset from Signal Hill where it morphed into something tiny and round. If I hadn’t known better,[link widoczny dla zalogowanych], I’d have said it was a completely different island!
It’s therefore your choice to move forward through growth, development and stimulation. Engage with external forces, namely people, places and things. As the world is continually moving, it naturally means that if you’re not – you are left behind as the world moves past you.
Which parts can you put into practice to create an equally grand life?
Being so involved with the noises in my head and doggedly focussed on a single area,[link widoczny dla zalogowanych], I didn’t see what was right in front of my nose (literally).
By allowing fear or procrastination to hold you back from something, by default you’re giving into the other alternative. Remember that doing nothing is inherently also making a decision.
3. Life is in Constant Motion
The bush is never still. Something is always on the move, alert, making a noise, hiding away, chasing- or eating something. Even on the night drives you hear, see, feel and smell the animals going about their business. With both diurnal and nocturnal animals the energy of the bush feels vibrant. All elements of nature seem to be fully engaged with what’s happening around them.
Although often taught to create visions and set BHAGs (Big, hairy, audacious goals) I find clients become overwhelmed by this. The next, often simple step then escapes them. If you’re continually looking far out the wind and focussing exclusively on the big picture, a great opportunity may pass you by.
The same applies to choosing which road to use. You don’t know ahead of time where the lion is about to hunt the impala. Every encounter is a chance happening because the bush is large and the animals scattered everywhere. You have no control over the outcome and every moment that you share with nature starts to feel miraculous.
5. Life is Grand if you’re an Elephant. They live life deliberately. They’re fearless,[link widoczny dla zalogowanych], perseverant, slow to agitate, robust, intentional and observant all the while moving through things quickly. They’re noticeable; they’re self-assured, curious and nurturing in cohesive units. They’re playful, trusting, bold and continuously plodding forward.
Fear holds you attached to a certain way of looking at things. Facing your fear will open you up to look at things more widely. Through continued raised awareness, many things will come along your path that you will indeed notice and be grateful for.
Different decisions can be made with a new perspective. How often have you been fixated on something believing it to be ‘right’? Because you’ve ‘seen’ it and experienced something in a certain way,[link widoczny dla zalogowanych], you believe it must be so.
1. Timing is Divine
When out on a game drive you quickly realise that timing is everything but equally, that you have no control over it. Seeing something spectacular is all about being at the right place at the right time – which could be called coincidence – or rather, divine timing. Seeing a hippo out of water crossing the road could be because you travelled at 40km/h instead of the car ahead of you which went at 50km/h. He missed the sighting and you’re able to enjoy the special moment.
Doing this one day,[link widoczny dla zalogowanych], I (shockingly) missed a juvenile leopard in full view! The beautiful animal lay next to the road no more than a metre away from the car. Luckily,[link widoczny dla zalogowanych], my husband,[link widoczny dla zalogowanych], (from the other side of the vehicle) spotted him!
"Civilisation no longer needs to open up wilderness; it needs wilderness to help open up the still largely unexplored human mind."
David Rains Wallace
Another day, during our bush experience, we got caught up in a group of people watching 3 male lions on a rocky outcrop. Wanting to break free from this crowd, we headed a bit further down the road. And were so glad we did! Two lionesses were on the hunt and brought down an Impala (antelope). Being free of the crowd, on a different section of road we were fortunate to see this close- up.
By changing our perspective,[link widoczny dla zalogowanych], we saw this spectacular event. Those parked at an angle, watching the males alone missed the excitement!
Author's Bio:
I’m by no means an accomplished ‘spotter’ and often miss things. I tend to focus on an area intellectually with “this looks like leopard area… I must spot a leopard here… wouldn’t it be nice to see a leopard in a tree here… ok, doesn’t have to be in a tree, on the ground would be good. Or even chasing down an impala! Now wouldn’t that be awesome!”
By Heidi Cornelissen
See all Articles by Heidi CornelissenSee Heidi Cornelissen's Expert PageGet Updates on InspirationGet Updates on Heidi Cornelissen Average: 0 Your rating: None Tweet
I recently spent a week in the African bush re-experiencing things that I’d almost forgotten about. Bush safari experiences are special for me as I’m transported into a different world,[link widoczny dla zalogowanych]. A world where man is insignificant and nature rules.
This magic world, once again,[link widoczny dla zalogowanych], showed me insights of which I’ll share a few with you.
Life presents the same. There are no guaranteed results along a particular road you take. But if you don’t take any path, you’re guaranteed to experience nothing at all. Choose a road and set off along it. Miraculous opportunities will open up for you. At the very least.
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Have you ever felt so comfortable around a client that you let your guard down? Under the right circumstances, it is often not a problem. Notwithstanding, there can be times where you can get into trouble, or even lose a client, if you get too casual with them.

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3. Change the way you feel when you get your hands on your salary. The most effective way to save is to set aside a set amount of money from your monthly earnings. Unfortunately,[link widoczny dla zalogowanych], for some people, saving money is easier said than done. Most people treat their salary as if it has “spend while supply last” stamped on it. Once they get their earnings every month,[link widoczny dla zalogowanych], they immediately come up with the list of things they need to buy. Afterwards, they will be wondering if they really needed what they bought. The worst part is when they suddenly need extra or emergency money; without any savings, they won’t have a backup supply of cash when the need arises.
2. Cancel unnecessary expenses. If you have a gym membership, ask yourself if you actually go to the gym. If not, you’re paying unnecessarily for something you don’t maximize. If you have club memberships and magazine subscriptions, ask yourself if you really get something valuable from those expenditures. If not, cancel them out. You can most likely live without them anyway.
The point is, if the money is in your hands, that does not mean you have to spend it.
If you really want to see your savings grow,[link widoczny dla zalogowanych], you need strict money management skills. If not, you’ll be wondering where all your efforts to earn go.
Compute how much all the important expenses add up to every month. Pay them immediately once you get your salary. Don’t wait for the due dates of your bills; chances are,[link widoczny dla zalogowanych], you’ll spend the money on something else. Once you’ve paid off all expenses, what remains of your salary can go straight to your savings.
Do you find yourself earning a lot but saving only a small amount of money every month? Do you find yourself sometimes wondering where the rest of your earnings went? Even people who earn the same amount of money don’t all get rich. Sometimes,[link widoczny dla zalogowanych], it’s all a matter of who manages their money well.
Here are some examples:
By The Pioneer of Subliminal Messages Online,[link widoczny dla zalogowanych].
I manage money wisely.
I see my savings grow,[link widoczny dla zalogowanych].
I make smart decisions about money,[link widoczny dla zalogowanych].
In fact,[link widoczny dla zalogowanych], think carefully if you can make do without some of your usual expenses. For example, people these days spend most of their time out of the home. And since you have your cellphone anyway, you can even have your house phone cancelled too.
1. Prioritize important bills. Every month,[link widoczny dla zalogowanych], set aside a set amount for your monthly bills. Run through the usual bills you pay each month and check whether they are really important. Usually, the important bills include your household utilities, cellphone bills, cable TV bills,[link widoczny dla zalogowanych], grocery expenses, gas/transportation expense, medications/vitamins, and any insurance plan you invested on.
Author&#039,[link widoczny dla zalogowanych];s Bio:
One way to change your perception about your salary is to send subliminal messages to your subconscious, to put a stop to the buying and spending impulses that have set up shop in there. Your subconscious is what dictates most of your impulses and habits. So even if your conscious mind tells you to save, you somewhat subconsciously feel the freedom to spend when you get your hands on your salary. So you have to change your mind from the subconscious level. To do this, you need to send subliminal messages designed to make you a better manager of your money.
If you’re actually wondering that, here are some smart money management tips on how you can manage your money and grow your savings.
By Nelson D. Berry
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Have you ever found yourself judging someone else for his or her behaviors,[link widoczny dla zalogowanych]? Who hasn't? Being judgmental is being human. We are taught from an early age not to be judgmental but I've yet to meet anyone who has mastered their thinking to that degree.
You can also visit and hear Katie doing The Work with members of the StepHeroes Community.
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If you are experiencing emotional pain, chances are you have a thought related to the pain. Once you determine the thought,[link widoczny dla zalogowanych], you can play with it by inquiring. Here's how: First,[link widoczny dla zalogowanych], ask yourself whether or not the thought is true. Then ask yourself what you get to feel and experience when you believe it is true. Next, explore how you'd be different if you didn't have that thought. Finally, try on some other thoughts and see how they make you feel instead.
I offer this tool of inquiry from a place of understanding and compassion for the pain I have felt, and that I know other's feel,[link widoczny dla zalogowanych], when negative thoughts take root. This exercise is about weeding the garden of your thoughts and only choosing to give your attention and energy to the flowering thoughts that bring you satisfaction and joy. Root out and free your inner garden of the thoughts that cause you pain and suffering. The way to "weed" your garden of thoughts is with the "weed killer" of inquiry.
Since our minds are "meaning-making machines" and are great at making judgments,[link widoczny dla zalogowanych], why not give yourself a break and know that you are, and will always be,[link widoczny dla zalogowanych], judgmental?
Given that being judgmental is a natural part of life,[link widoczny dla zalogowanych], there is something you can do to free yourself from the pain and suffering that typically happen when you think that someone should be different than they are but they never change.
Action Step: Take some time to explore your inner garden and notice if there are any weeds that need tending! Instead of allowing negative thoughts and judgments to take root and hold you and your family hostage,[link widoczny dla zalogowanych], take responsibility to use the "weed killer" of inquiry to stop them from keeping you happy.
While you cannot be in control of how your mind thinks (and since you can never be in control of what others say and do),[link widoczny dla zalogowanych], you can be in full control of what you do with your thoughts. Feelings arise from choosing to believe a thought. Once you decide to believe a thought is true,[link widoczny dla zalogowanych], you then get to experience the direct result of that belief – either pain or joy.
Byron Katie and Emily Bouchard
Resources: For a better understanding of this technique, I recommend the book Loving What Is by Byron Katie. You can also learn more about The Work by visiting the foundation’s website at: [link widoczny dla zalogowanych]
To get coaching on how to use this technique in your own life, contact now for an introductory coaching session.
By Emily Bouchard
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Have you ever felt so comfortable around a client that you let your guard down? Under the right circumstances, it is often not a problem. Notwithstanding, there can be times where you can get into trouble, or even lose a client, if you get too casual with them.

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If you are looking for a way to connect your company to potential clients from your target market in a meaningful,[link widoczny dla zalogowanych], yet efficient way,[link widoczny dla zalogowanych], there are copious amounts of options that are available to you over many different mediums. At the top of that list there are giveaways and promotional products. However, finding the right promotional product that is geared towards your business’ needs is more important than many think.
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10) Give a big smile at someone you don’t know, every day for 10 days. They may think you’re nuts, and it may not always be returned, but you never know when it might change someone’s day or life.
7) Solicit advice from, or ask a question of,[link widoczny dla zalogowanych], an older person even if you think you already know the answer (or could Google it.) It makes us old people feel good to be asked for their opinion, expertise or wisdom. And you might actually learn something from it. (And no, I don’t need to tap on my age. I feel good about it…sort of.)
9) Make one unexpected call a day for 10 days (or 10 in one day,) to friends or relatives just to see how they are doing. Especially call people to who are always being asked for favors (without asking for one.) Just ask about them; what they are up to, how they’re feeling, etc. Preface your conversation by saying “I know you don’t have much time, so I’ll just borrow a minute of it. I was just thinking about you and….” Chat for 2 minutes, ask some questions and sign off. They’ll love it.
Jack, my darling husband and very affable guy, was in the hotel business for almost 40 years. People would call him all the time to ask for favors. They’d spend 2 seconds saying “How are you?” then without listening would usually say “Hey, can you help me get a deal on a room for my sister’s cousin’s nephew’s wife’s mother?” After 39 years and about a thousand favors later he got tired of it. Finally he started saying “I’ll be glad to help you, but could you call me once in awhile and just ask me how I’m doing?”
Ed was genuinely happy that I had noticed his smile and that he could share his story with me. In turn it made me feel good. It was such a little thing, but it ended up being significant for me. We chatted a few minutes in the elevator every day after that. Then one morning he introduced me to Beth, the lady who occupied the office next to his. She and I became friends and I later put her together with a huge account that turned her business around. She later introduced me to Joan, who eventually introduced me to my husband-to-be, Jack. Who could have known that a comment about a smile could bring such happiness?
This first of 10 Tips to Brighten your Life; “Give something away everyday” is a bit like the premise of the movie “Pay it Forward” (Do rent it if you haven’t seen it.) After doing this tip, many of the benefactors you touch will want to “pay forward” your compliment or kindness.
The beauty of this gift-giving tip is that it costs nothing to give your words, smile, time or gratitude,[link widoczny dla zalogowanych], and yet the benefits could be priceless.
1) Give verbal appreciation and a little flower to a person of service; a store clerk, grocery bagger, wait-person, bus driver or anyone else that makes your life a little easier. Service people usually get tips too,[link widoczny dla zalogowanych], but often other acknowledgement can be more valuable to them than money (but leave the tip too.)
4) Leave an anonymous gift; a flower, poem or cute picture to someone who usually gives to others. They will be thrilled with the surprise and will probably tell everyone they see about it (or they might worry that someone is stalking them.) Then, 10 days later,[link widoczny dla zalogowanych], if you want, tell them it was you who appreciated them.
5) Show a kid (or an adult) how to tap away their sadness or hurt feelings; “Even though I’m feeling sad because my goldfish died, I know I’m a good kid.” “Even though I just found out that “Big Bird” is 57, mommy and daddy love me (and aren’t that old.”)
Simple Tip # 1: Give something away that costs you nothing, every day for 10 days It could be priceless to the recipient.
Remember other people who help you (whom we sometimes take for granted, like your mailman (person,[link widoczny dla zalogowanych],) who sometimes brings your mail to the door,[link widoczny dla zalogowanych], in spite of your dog. Or, find your paper boy (person) who hardly ever throws your newspaper in the water, or the patrol officer who protects your street and hardly ever tows away your car.
“The best way to “make your day” is by having someone
tell you that you have made their day.”
Please read the 10th suggestion below to “Brighten Your Life”. This one is my favorite since it demonstrates how life-changing a smile can be. One man’s smile changed my life forever.
For as many years as I knew him, he was still proudly showing the rhyme to people saying “This was the best tip I ever got.” It was just a simple little thing,[link widoczny dla zalogowanych], but it had a big impact on a lot of people…as did Bobby. Hey, I remember it all these years later and can barely remember what I’m wearing, unless I look down!
2) Offer a few words of encouragement to someone who seems to need them. Let the situation guide you. Sometimes just listening or asking if you can help is enough.
Years ago there was an “elderly man” who rode the elevator with me almost every morning (he was probably the age that I am now, yikes). He seldom said anything other than a cheerful “Good morning” or “Hello”, but his smile was huge and dazzling. One day I complimented him on his beautiful smile and told him I looked forward to seeing it every day.
His face lit up and he introduced himself as Ed. He then started telling me the story behind that smile, which I’ll condense. Ed told me how he had been in a serious car accident the previous year and had lost his right leg,[link widoczny dla zalogowanych], all of his front teeth, and almost lost his life. He continued smiling while telling me his story,[link widoczny dla zalogowanych], and instead of sounding sad or sorry for himself he was surprisingly cheerful. He went on to say “So once I got my life back, a new artificial leg and shiny bright teeth, I just haven’t been able to stop smiling! I appreciate every moment of every day.” Wow,[link widoczny dla zalogowanych], great attitude.
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6) Help someone: Assist an elderly person (not me) or a physically challenged person across the street, through a door or lifting packages. Help a tourist take a picture of their whole group so they can be in the shot, (My husband always gets in the group photo with them, if I’m taking the picture. I’m sure they later say “Who’s that American in the back row?”
Again, after you’ve completed this tip #1 to Brighten Your Life, send me your results and with your permission,[link widoczny dla zalogowanych], I’ll put it on my website (I will use a pseudonym instead of your name,[link widoczny dla zalogowanych], upon your request.) Please feel free to pass this on to others. Stay safe, be smart, and tap on choosing to make this adventure fun and easy.
Look for the next “Brighten Your Life” tip
in my newsletter in, oh, about 10 days!
Visit [link widoczny dla zalogowanych] or to return to the
Power of 10s page, where you found this article, use [link widoczny dla zalogowanych]
There once was a fellow named Bobby,
Who had an enchanting hobby.
He chased away blues,
By shining our shoes,
And danced in the building’s front lobby.
Write a little rhyme for an interesting person in your life. There’s a great memory I have from almost 25 years ago. It’s about Bobby, the shoe-shine vendor in our office building. Bobby, who was always jovial and had an iridescent personality, usually sang popular tunes while working. People using his services or walking by would often join in and sing along with him for a few bars. When things were slow in his booth, Bobby played his harmonica and danced around in the lobby. He was always singing, dancing or making people happy just by being himself. So it really touched him when someone took the time to write the simple little poem for him below. Bobby was so thrilled with it that he had it framed and hung it prominently in his work station.
Here’s my one of my favorite’s…
By Lindsay Kenny
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Use some of the below examples to inspire you trigger your own ideas about simple, cost-free “gifts”. They’re just suggestions…and some inspiring stories. You don’t have to do all of them. Please let me know your results. I’d love to hear your stories, and with your permission I’ll publish some of them on my website.
Do this every day for 10 days and see if you feel differently, or if something good happens to you, or if you make someone else feel better. If you miss a day, start over with day one. When you see the improvement it’s likely you’ll want to continue for another 10 days, and another 10 after that. If you are resistant to this idea to Brighten Your Life; “I don’t have enough time.”….” Who’s she kidding?”… “I don’t have the energy.”…”That won’t help me pay my utility bills.” (it might) Then take 10 to tap on your resistance or limiting beliefs.
3) Write a “gratitude note” or even an e-mail, thanking someone who has touched or motivated you in a meaningful way. “Hey Brad, I just wanted to let you know that your advice about my girlfriend really made me feel better. You’re the greatest.” …. “Hi Nicole, Thanks for driving me home the other day. I know it was out of your way so it was very thoughtful of you to do that. I hope I can repay the favor someday.” …. “Dear Ms. _______, I read your free article online today about______ and wanted you to know that it has already helped me in understanding my son. Now I know what I need to tap on. Thank you so much for this unexpected gift.”
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Have you ever felt so comfortable around a client that you let your guard down? Under the right circumstances, it is often not a problem. Notwithstanding, there can be times where you can get into trouble, or even lose a client, if you get too casual with them.

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Freelance writing is fantastic because there is an enormous demand for good English speaking writers. You are able to function directly with your customers and get paid nearly instantly upon the completion of the function. A lot of the time you will function with internet masters and create internet content for them. These 400 to 500 word content articles can earn you up to $100 per article and although that doesn't sound like a lot,[link widoczny dla zalogowanych], doing just three or four a day can rapidly add as much as a respectable 2nd earnings. You are able to usually step it up and really earn a complete time earnings with out working as well difficult.
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The fantastic factor about doing freelance writing function is the fact that you are able to work at your own time,[link widoczny dla zalogowanych], from the comfort of one's own house and also you can build lengthy term relationships with customers. You don't need any unique ability and also you do not have to buy anything to get started. All you'll need to do is to get started and get compensated.
There is a big difference between a business opportunity and a web-based job. Business possibilities do have potential to make you great money but the problem is the fact that you'll need to work long and difficult prior to you begin producing any earnings in any way. A lot of the time you'll have to invest fairly a lot of money to purchase into the company system which is hardly an "easy" way to make money on-line,[link widoczny dla zalogowanych].
Are you looking for creative writing jobs,[link widoczny dla zalogowanych]? See my blog to read more about the Real Writing Jobs scam,[link widoczny dla zalogowanych]...
By Neill Thompson
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In my opinion,[link widoczny dla zalogowanych], a great and dependable job is one that lets you begin earning with a minimal investment of money and time and you get compensated in return for the work you put in. You will find numerous on-line jobs that is actual and legit but I believe the easiest method to start earning would be to work as a freelance writer.
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Easy Navigation – Do not make your site a maze for your visitors to try and navigate. Have a simple, clean design with an easy navigational menu. Use short, straightforward, easy-to-read paragraphs. Make all your pages uniform and professional.

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When promoting anything it is always wise to be sure it delivers as promised and possibly even more. Remember, your reputation is usually at stake when you stand behind a product! Be careful to not get carried away by making outlandish or unrealistic claims that can not be produced! You may make the sale but you will definitely tarnish your reputation,[link widoczny dla zalogowanych], and working online having a good reputation is vitally important!
Whether it is a story they can relate to or perhaps directly addressing their wants and needs readers must be engaged almost immediately or they will leave the page. Considering that the mindset of most people will be 'what is in it for me' you must use that 'angle' to capture their attention. Talk to them about them! Since they answered one of your ads you already have an idea of what they are looking for and therefore how to address them. Remember, you are starting a conversation you want them to stick around and 'listen' to so try to captivate as soon as they hit the page. Captivate first, sell them later on in the content!
Always Offer Value
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Copy writing requires the author being able to 'connect' with readers on a level where they are able to persuade people to take a certain desired action,[link widoczny dla zalogowanych]. In order to achieve this result however a copy writer must first get the attention of the reader and 'draw' them further into the 'conversation' being presented to them. Once this is achieved a subtle transition is then made into the advertising copy which is where people are exposed to the product or service being offered,[link widoczny dla zalogowanych]. All along the content the people are being exposed to needs to be easy to read in order to maintain their interest and keep people on the page. In the end it is also important to remember that the copy writer has reputation to maintain therefore product claims need to be accurate,[link widoczny dla zalogowanych]! Pulling this all together here are 3 very important elements any advertising copy should contain for it to be effective,[link widoczny dla zalogowanych]!
Offer Perspective/Insights
Effective copy writing is a combination of engaging conversation along with compelling advertising copy presented in an easy to read fashion. The 3 elements discussed above,[link widoczny dla zalogowanych], when included in any content,[link widoczny dla zalogowanych], help to produce these results! Always remember that as a copy writer,[link widoczny dla zalogowanych], your objective is to create an 'atmosphere' in which the reader will be the most receptive to any suggestions or offers made. The 3 elements discussed here today will help you to do just that!
By TJ Philpott
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Engage the Reader
Readers always want to hear the opinions of others,[link widoczny dla zalogowanych], especially when making a buying decision. The insight or perspectives of others helps them 'justify' their decision to make the purchase. Of course along these lines the more testimonials you can offer the better since it serves as 'subtle' reinforcement for them to make the purchase!
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This morning she picked up a book about princesses and wizards and brought it to the breakfast table. After gulping her milk and cookies and while I was still sipping my hot cinnamon tea, she started to read it.