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I met a friend for lunch recently and as often happens with those I share time, our conversation turned to topics of spirituality and healing. 

She described how her intuition, and trusting it as a Guiding force, was an integral part of the first part of her life. But she stopped trusting her intuition when she was in her 20s when she felt it had betrayed her.

Jane (I changed her name to protect her identity) has always been a very intuitive person. While she was growing up, she enjoyed the precognitive part of her that knew what would come next in her life. She would find herself in situations, both the meaningful and the completely inconsequential, and she would watch with joy as the scenarios would play out in front of her exactly as she had known they would.

When she was in her 20s Jane met a man whom she instantly knew would be her husband. Though they were both dating other people at the time, she knew it in her gut - or more accurately her solar plexus - that this was the man she would marry. Because they were dating other people, she and this man developed a friendship and remained friends for several years. 

Throughout their friendship Jane waited for her premonition to come true, but it never did. When they finally had the opportunity to date it didn’t work out the way Jane had seen it, and she felt foolish and betrayed for believing what she had been shown. 

It can be hard when you are accustomed to trusting your intuition or any such intimate part of yourself and then things turn out differently than you thought they would. You might feel betrayed and let down when this happens. 

Most people get mad when they feel their insights or some other intimate part of themselves have ‘let them down’. For example, when a woman gets on a scale and she finds that she’s unexpectedly gained weight, she gets mad at her body and feels that her body has in some way betrayed her. 

Many people who get ill with anything from the flu to cancer, feel their bodies have betrayed them, and those that don’t accomplish as much success in their careers as they’d like to, often feel betrayed by the promises of life and by themselves. Those that divorce feel betrayed not only by their loved ones but also by the love they felt in the beginning of the relationship.  So much so that they can have a difficult time trusting love again.  

Using your intuition to understand your experiences accurately, how you created them and the spiritual reasons for them, helps you to know who you are and how you fit into the world around you.  This Divine Guidance also shows you how you can best move ahead.

When you misinterpret and misjudge your life experiences, yourself, your path, and your body you blind yourself to the spiritual wisdom available to you within these experiences.  Though it may not seem like it at the time, your experiences are always guiding you in a deeply profound way to your truest desires. And, as well, to the realization of your true self.

When you misinterpret the meaning in your experiences and the reasons for them, you miss the illumination, the stepping stones of insight that lead you further along your path and closer to where you want to be.  This Guidance is always there, teaching you, helping you and moving you out of what was and into what will be, all along lovingly guiding you to what you’ve asked to accomplish in this life.  

Guidance may not be immediately obvious in a break-up or what feels or looks like a failure, but forward momentum comes to you in the form of ebb and flow. You need to awaken your natural abilities of spiritual insight, your connection to Divine Guidance to understand your experiences accurately and to allow it to guide you forward. 

In my own life, I began seeing ghosts when I was young and I soon discovered that my psychic abilities weren’t welcomed or appreciated by my family or friends. I often felt cursed and ashamed of who I was. It wasn’t until later in life that I could see how these abilities were truly gifts and not something to hide. Since I learned to embrace my gifts, I’ve guided thousands of earthbound ghosts home, I’ve cleared homes and even developed a process that anyone can use to deepen their intuition and see the spiritual meaning within their experiences. This process connects you with your own spiritual insight, your Divine Guidance so you can see the meaning within your experiences. It helps you to release painful emotions, and get clarity so you can make better decisions and move beyond the painful experiences of your life. It’s a process that has helped countless people live happier, more successful lives.

Opening your connection to Divine Guidance and learning to access it whenever you need it is a skill that will help you every day, guiding you through big issues and small ones.  You need a way to see yourself and your path objectively, to see the deeper beliefs of your unconscious, to awaken your memories of lifetimes gone by and to see more clearly how you’re creating your future - before you live it. 

Oh, and my friend Jane? I helped her to see that the man she thought she would marry was really someone from one of her past lives. When they met, she recognized him immediately, but the intimate connection she saw with him was an intense memory instead of insight into a future event.

Sometimes our soul memories are so vivid, they can feel like our future, as opposed to our past. As we navigate our lives, we often connect with those whom we have shared a history or a past life. When we meet them or even see them from afar, all of those once familiar feelings come rushing back and without a way to accurately understand them, it can be confusing. 

We are all limitless beings, living a limitless existence and as a result there are many, many reasons for the feelings we feel, the fears we experience and the decisions we make.

Melissa Van Rossum is an accomplished psychic, empath and author. It is her life’s work to help people awaken to their dreams by showing them how to tap into their own Divine Guidance. In her first book, All You’ve Ever Known, Melissa reveals a process to deepen your intuition called TruAwareness. Her latest book, Their Way Home shares for the first time the very personal stories of her encounters with real life ghosts who searched her out in their quest to find their way home. Plenty of books have been written about ghost sightings but in this book Melissa shares the stories behind why these souls chose to linger on the earth plane and how you can live a happier life by learning from the mistakes they made in life, and in death. Sign up for Melissa’s free newsletter and learn more about her books by visiting http://www.allyouveeverknown.com and http://www.theirwayhome.com

What is the definition of identity theft? As defined by the Federal Trade Commission, “Identity theft occurs when someone uses your personal information without your permission to commit fraud or other crimes. While you can’t entirely control whether you will become a victim, there are steps you can take to minimize your risk.”

Identity theft is a growing problem in the country according to police, the federal trade commission, and credit reporting agencies. Despite your best efforts to protect your personal information, it can still occur. Shredding personal information such as documents that contain your name, address, social security numbers, account numbers is highly advised. When you mail bills, they should be dropped off at the post office.

Despite my best efforts, this now has hit home with me. Someone used my name and title to secure a loan for a home. I called the local police department to report this incident and they closed the case because I did not know who had created this bogus letter used to secure the loan. I attempted to find out who had done this with both the mortgage broker and the lender and neither one would help.

Tax preparers can sell their client list to third parties with consent from the client. This is a 30-year-old regulation that is under revision by the IRS which determines how tax preparers can seek consent to use or disclose information. National Taxpayer Advocate Nina Olson believes that disclosure of tax related information is not strong enough and preparers can determine what constitutes disclosure.

The American Institute of Public Accountancy (AICPA) recently sent out a letter to over 330,000 members notifying them of a lost hard drive that contained personal information
(i.e. name, address, and social security numbers) of its members. This is the organization who dictates how Certified Public Accountants must perform. They have given Certified Public Accountants a year of free credit monitoring and tried to assure members that less than one percent are affected by identity theft. If you do the math, that computes to approximately 3,300 professionals that are now at risk. I resent that fact that they still carry my information after over five years. I have not been a member for greater than 5 years and personal information was not safeguarded adequately. They have changed their procedure of requiring social security numbers in the data base they maintain, but this is like shutting the gate after the horse gets out.

There is a growing problem in this country and our ethics are slipping. Individuals who are professionals are committing crimes against their clients and the general public. No one will speak out against their own profession for fear of retaliation by their peers. This is in any profession and it is time to stop. Medical information which contains personal information is being outsourced to foreign countries that do not follow our stricter guidelines. Accounting and tax information is also outsourced to foreign countries as well as legal documents through attorneys. There is a cost savings to these professionals, but who pays the ultimate price - the client does.

There is a saying that money is the root of all evil. Money itself is not evil. Money is power. People are control hungry and misuse power. They are in control and love the feel of power and use it to hurt others. This also has happened to me in a business relationship. You can see it in the headlines daily. When are we going to fight back? When are we going to do something about this situation?

Expanding your subscriber list, whether it be for your ezine, newsletter — printed or electronic — takes persistence, and commitment. Not to mention time and letting go of the frustruation of it all.

Marketing Master, Catherine Franz, is sharing with you twenty- one methods, strategies, and ideas all located in one spot on how you can expand your list.

1. Keep your subscription form easy to find on every web page. Preferably, add it on your navigational bar. If the form is to large for the bar or page, add a hyperlink and send them to a popup or a separate page so that the previous page on your site doesn’t disappear. It is easy for them to return.

2. Not only must the form be easy to see, it also needs to be easy to read. Label each field. I’ve seen a few where I didn’t know what to enter. Be kind to computer readers suffering from dry eyes, make the font large and easy to read.

3. Do you write your own ezine articles? Add a “please subscribe here line to your byline. Begin the line with a benefit they get from subscribing and then add a few invitational words along with a URL hyperlink. Example: “Learn more about this topic. Subscribe to [name of your ezine] by visiting….”

4. Generally, people are impulse buyers. So, give them that impulse. Give away a free ebook. Instead of letting them see that the ebook is free. Regularly charge for the eBook. Six dollars is a good price, just explain them that it is a limited special offer.

They will perceive it even more valuable when there is a price connected to it. An example of the wording could go like, “Normally this ebook sells for $6 at [your web site URL or even a middle man ebook site].” Always give them a reason why you are giving it to them free. Make the reason believable.

5. Do you belong to networking groups, or attend other events? Invite everyone you meet if they would like to register for your ezine. Give them a story about the free, but not so free, ebook offer. Always, make this offer limited.

In fact, have a list of these free but-not-free ebooks, written either by you, affiliates, or from resale right products. Move them around. Put one on the calendar for January through December and then repeat them the next year. Then in the third year, change it. Also, share with them how easy it is to opt-out if they don’t like the ezine and they can keep the ebook.

6. Don’t stop at networking groups, contact trade or professional organizations you do or don’t belong to that have a high percentage of your type of readers. Ask for the membership list. Look for the people you have identified as your gatekeepers (people that know lots of others in your target market).

For accountants, it’s lawyers and bankers. Call them and introduce yourself. Ask if they could recommend your ezine to a few of their friends. You can also attend their networking events and ask, ask, ask.

7. Instead, or in addition to, calling the gatekeepers you have identified on the membership lists, you can send them a letter of introduction — a direct mail piece. The piece can ask them (a call to action) to visit your web site for more information on your newsletter and/or receive a copy of the free but-not-free ebook.

8. Share the wealth. Exchange recommendations to each other’s newsletter. Be prepared for these so that it doesn’t cost you valuable time when you are working on a deadline. If you work with a virtual assistant, let them respond to these opportunities. Prepare three or four examples and offer the exchanger their choice to use one that they feel is appropriate for their audience. Ask them for a reciprocal and equal announcement.

9. Make comments and include your byline at the end. Comments can be product review on Amazon, ezines you enjoy, or local newspapers. Give suggestions, share your stories on how it helped you, ask questions, or give ideas that emerged from your reading. Blogs are also good places to comment on as well.

10. It takes 7 times before people start to trust. Present them 7 opportunities to have two-way conversations with you. Not one-way conversations (you write, they read). Provide the two-way with surveys, questions, contests, games, things that they need to ask for are just a few.

If you are offering a contest, send them a testimonial from the winner. If you can, create an opportunity for many winners. It spreads the hope and attraction.

11. Use a conversational writing tone. It makes a connection. Yet, don’t get lax on the grammar and spelling. Use personal pronouns (I, me, you and your). Limit the percentage of I’s to half or less of the yous.

12. Spread the knowledge even further by asking your readership to forward a copy of your ezine to family members, friends, colleagues, or co-workers. Create a “please forward this ezine to” line or two. Give them an incentive, offer a free but-not-free item. This can be challenging to design.

13. Do you give presentations with slides or a projection system? Add a paragraph about your ezine and how to get it on the test slide. A test slide is the slide you leave up there when they are seating themselves. Leave it displayed until a few minutes before your presentation and then turn it off.

By turning it off, it creates a “loss feeling” and they will pay attention to it the next time you turn it on. Turn the system on with the test slide displayed and then switch to the next slide. The next slide can explain how they can get your free but-not-for-free product and the directions on how to receive it. Return to this same slide at the end of your presentation.

14. At this same presentation, pass around a clipboard asking them if they want to register for ezine. Start passing at the beginning or even before you start. Use a short piece, different colored paper, with a note about the free but-not-free item. Give them three incentives to register at that time.

15. Send out a press release every time you have a new free but-not-free item available. Send whenever you have new context, new article published, or whenever anything else occurs. Since press releases require special writing, you might want to delegate this, especially if you are challenged with writing from another perspective.

If you choose to learn the lingo, you can learn the how-tos with a Google search: Search example: “press release” and “how to”. Leave in the quote marks. Don’t be nervous about sending out too many, some are always missed. http://www.prweb.com/ is a great place to post your press releases.

16. Locate web sites that give out awards for outstanding ezines. Apply and keep applying. Keep tweaking. Look at previous winners and model. When you do win one, post it everywhere on your site and on every issue of your ezine for a year. Also, send out a press release when you do. If they create a press release as well, ask to use that one. Make copies of theirs and give it out at networking events. Remember, you can’t win the lotto unless you play. So, get in the game, and apply. Try: http://emailuniverse.com/bestezines/ or search on Google with: “ezine award”.

17. I’m frequently asked, “How much information should I ask for?” My recommendation is to KISS your subscriber form — “keep it short and simple.” Ask for the e-mail address and/or their first name. If you ask for their first name, tell them why. Example: We like to personalize our correspondence with our subscribers.”

18. Set up section for past issues of your e-newsletters. I recommend just listing their main topic or name of the article and not by date. People don’t like to read things that they consider “old news”. If you use a pdf format to deliver past issues there are pros and cons. The pros are: pdf files are smaller to store and send. The con is that you loose the opportunity for tagging the item for search engine listing.

19. After you post your articles in the ezine, expand or submit as is to multi-media web sites. Possibility: http://www.goarticles.com. Locations where publishers and editors will pick up the article. Normally, there are no fees paid, just opportunity for visibility. When published send out a press release. Link their site, not yours, in the press release, Send them a copy of the release.

20. Readers are tired of not getting any value and are dropping off lists fast. faster than ever. To keep them there you MUST provide valuable information (their perception not yours). The 25/75% rule (you give them 25% and sell them the remaining 75%) is acceptable. After reading thousands of ezines, I found many publishers don’t come close to providing that percentage.

21. Add an invitation to all your automatic e-mail signatures. Also, mention the free but-not-free item of the month. Include an expiration date for that free but-not- free offer. Change the e-mail signatures weekly to maintain interest.

Catherine Franz, a Certified Professional Marketing & Writing Coach, specializes in product development, Internet writing and marketing, nonfiction, training. Newsletters and articles available at: http://www.abundancecenter.com blog: http://abundance.blogs.com

A ringing phone may startle if unexpected and is irritating when unwanted. However if you expect to receive a call, your ring tone is the most anticipated for noise. It is most gratifying when it rings and you finally get to hear from the person you were expecting.

Similarly you can create online headlines that have an anticipated ring or resonance with your visitors; headlines that they are glad to find. When a surfer types in a query into a Search Engine (SE), they scan the resulting page to find a headline that identifies with their needs. A ringing headline would be one that would somewhat engage them.

There are a number of techniques you can use to create this resonance. Here we look at three.

Question Based Headlines: Online, the headline “Are you creating effective headlines?”
would tend to out do a statement-based headline like “Creating effective headlines”. The human brain is designed to seek for solutions. Immediately it sees a problem, in this case a question, it tries to determine if it has a solution. The process of determining if you have a solution to the posed problem, results to an engagement. On the other hand statements either interest you or they don’t- little engagement if any.

Problem Based Headlines: In an environment where everyone is trying to offer a solution, it pays to standout. Solution based headlines and titles have been oversold and are now common place. Use of a headline that identifies you visitors’ problems may standout from a list of headlines trying to sell them a solution. For example the headline “My site didn’t make any money either” has a pull to it not found in “How to make money from your website”. The stating of a problem tends to identify with the visitors current state. It makes a visitor feel as if you could be having a perfect solution because you identify with them.

Curiosity Based Headlines: Curiosity is one of humans’ strongest incentives. When you see a sign “Do Not Open”, on a door, all of a sudden you are interested in what’s inside. Humans have this nagging sense to want to know. That’s why gossip and tabloids do well. Online, the use of the words “How” and “Why” in the beginning of a headline tend to create curiosity. So is the use of the word “these”. For example, the headline “Are your headlines missing these psychological triggers” creates curiosity by using the word “these”. The word implies several psychological triggers that are not mentioned. To know them you will have to click on the title.

Courtesy of Site Build It Reviews the leading All-in-One Small Online Business solution. Find out more about it and see an SBI diet supplements site here.

I teach my students to live by 4 principles of tele-training.

Principle #1: List Building - Without a list, you have no one to get your message to. Therefore, you need to build a list. And the key to list-building is to focus on lots of little ways, not one big one.

We’re all looking for that “one” big way, that one big list builder, but it doesn’t work that way. There is no one big way to build to your list (to be more accurate, you shouldn’t rely on one big way).

Let me put it this way - say you have 100 list-building strategies and 10% of them are wiped out, you’re still 90% strong.

If you have lots of little ways to build your list and some don’t work out, you still have other ways to fall back on. But if you rely on that one big way and strike out, you’re out of business.

Principle #2: MI, or Marketing Intimacy. However you market, aim to raise the Marketing Intimacy. In my case, I bring all of my life into my training, which creates an intimacy between me and my audience.

Whether they are listening to my words or reading them, my audience knows who I am. Raise the intimacy of your marketing and mix in some teleseminars and audio content so they know you.

Principle #3: Do a little each week. This one is simple. If you do nothing more than establish one list-building principle each week and you spend one hour per day on it five day a week, then after 52 weeks you’ve got 52 strategies. (And, best yet, you’re not working on the weekends.)

Principle #4: More links equals more traffic.

The Internet is an enormous series of links and the more you have coming to your website, the more traffic you get - period. If you remember anything, remember this last principle.

Bottom Line: Do each these four things on a regular and consistent basis. And are you ready to learn more about how I do it?

Then I invite you to check out http://www.AlexMandossianToday.com to claim your access to over 4 hours of my TeleSeminar Secrets Training. While the next TeleSeminar Secrets telecourse does not begin until December, you can get a head start with this four hour training.

Look for the TeleSeminar Secrets logo…fair enough?

From Alex Mandossian and TeleSeminarSecrets.com

Democrats are hoping that todays vote will lead to a bi-partisan agreement by the republicans, so this plan can be implemented right away. Many people are concerned about the tax payers funding of this plan, and how it is unfair for honest taxpayers to pay for speculators of loans, and people who made bad decisions with buying their homes. It is estimated now, that this plan will cost about $1 billion dollars.

Conversely, the federal government paid $29 Billion Dollars last month to bailout Bear Stearns, for an arrangement of a merger between them and JP Morgan; two investment banks. How president Bush can take a position on this FHA bailout of vetoing it, before he read it, makes many people wonder. According to Realty Trac, there was a 65% jump in foreclosures in April from one year ago, so this problem is getting worse. There needs to be a solution to this mess. And this needs to be handled very carefully.

A year and a half ago, when Fannie Mae and Freddie Mac were busted because of an accounting scandal, many regulators wanted to do away with Fannie Mae and Freddie Mac altogether. In todays market, post sub-prime meltdown, Fannie and Freddie account for over 80% of the mortgage market right now. If we ousted them 1 1/2 ago, this mortgage problem, would be 1000 times worse.

The White House needs to look at this reform bill as only costing a little over $1 billion dollars, and having the ability to correct a market that is in need of a serious boost of confidence.

In closing, as a mortgage broker I am in this for the long haul. Markets are cyclical, and we are in a down turn. However, how are we going to be able to define a bottom on this market, if we aren’t given the ability to weed through the mess, and correct this market with a bail out program? Money is very tight right now, and if $29 billion can be given to Bear Stearns, why cant we get $1 Billion to contain the mortgage meltdown?

Brian Quigley is owner of Fusion Financial Mortgage in Denver, CO and is a full service mortgage broker in Colorado. You can learn more about Brian and Fusion Financial at http://www.fusionfinancial.org

Most students today have issues with there credit and this is why there is a need to get a student loan with no credit history or a co signer. It is safe to say that most of these students are young and have not had enough time to establish any kind of credit history and in order for them to get a student loan they need to know were to go to get one.

While attending school most students stay in debt and in most cases acquire more debt so they can pay for there schooling. This makes it difficult for them to get any kind of loan without getting a co signer.

When searching for a no credit loan you want to start with looking at local, state and government options because such as the Stafford Loan Program there can be some great options for you that won’t cost you an arm and a leg. These type of loans work well because there do not require you to have your credit checked before you are approved.

You want to also check out the student aid office because there is a chance that you can qualify for financial aid and not even know it.

Next you can apply for a Perkins Loans which will offer you a low percentage rate of about 5% and one of the best parts of this type of loan is that you can take longer to pay it back.

Remember that when you are searching for a Student Loan you need to know all of your options so that you have the best chance of getting the best loan for you.

Learn How to Get a : Great Student Loan

Find the Best : Government Grants

Bryan Burbank is an expert in the field of Finance and Student Loan Options.