There’s often a lot of hoo-hah about the veracity of astrological charts in particular and the “science” of astrology in general. But my contention is that 1) people who impugn the field of astrology have not studied enough to make a comparison between scientific results and the pseudoscience they bash; and 2) most of you interested enough are reading this because you do believe in the paranormal, the occult, and the field of parapsychology. So I want to share the positive experiences I have had with an astrological chart that was done for me years ago…and tout the righteousness of another chart someone did for me recently.
First, unfortunately, the astrological chart done for me twenty or so years back was created by a man who has since disappeared. I heard through the grapevine he is dead, but maybe that was a rumor or lie and maybe you can find him. His name is/was Neil F. Michelesen. I don’t know how I heard about him then, for we didn’t have regular access to the internet at that time (and the astrological chart was not uploaded via email, etc.).
I sent by snail mail thirty-five dollars, and Michelsen sent me an astrological chart (the wheel with the houses, nodes, et. al.) and a forty page explanation of each of my ephemeris reports. Wait, now that I recall more clearly, it was a compatibility chart! It had all of the above…AND had the same for the love of my life, as well as a section on how our houses and planets agreed or disagreed. This was the best part of the astrological chart, for because my love and I were so not-of-this-earth connected, most of the ephemeral readings were positive. And I guess my point should also be that the descriptions were accurate.
A couple of years ago, I began the torturous task of setting up a writing business, based on decades of writing out of compulsion to do so, a little over a decade of teaching, and much desire to escape the outside world. At the same time that my business was just starting to come to fruition, the boyfriend of the period went coo-coo and threatened me and I was moving from one place to another, quieter place. I was online at Craigslist, checking out writing gigs, free furniture, rants and raves, or some such (doesn’t matter what, as Craigslist rocks for all of the above and more)…. I came across a posted offer for an astrological chart. The woman would do the astrological chart first, and then the recipient of the chart would decide what it was worth and would send money. I was impressed by this trusting approach and indulged, asking her to focus on my money house and my relationship house, of course.
She was specific in many places, vague in some other places, and positive about the future overall. That astrological chart was less one I could test/account for, as it pertained to the future more than the present and past (as did Michelsen’s chart), but I saved it. I just re-checked it this weekend, and yes, it was on the mark!!!!
We don’t need to prove to each other the reliability of an astrological chart, reading, or overview. But it is nice to affirm that reliability!!!
Monday, August 17, 2009
Sunday, June 21, 2009
A Quick and Easy Do-It-Yourself Investment Guide
Economic times are definitely tough now. However, if you have a little extra cash, there's never been a better time to invest than when things are down. Any investment guide will tell you that now is the time to invest; some stocks and real estate won't be this cheap again. That said, there's plenty of risk involved as banks continue to fail and corporations file for bankruptcy. You don't need an broker or financial services. The best investment guide is a little common sense and a little discipline.
The first step to any good investment guide is to make sure that you're paying off your debts first. In almost all cases, the interest rates on credit cards and some loans are higher than the potential return on your investments. There are some exceptions - monthly payments on mortgages and car loans can be paid at the minimum, and never pay more than the minimum on student loans, usually the most favorable interest rate you'll have. On the flip side, it's unlikely that you'll find the next Google. Possible, but unlikely. Don't plan on it, and besides, if you DO find it, you won't need another investment guide or worry about what debts to pay off when.
The next step is to have a 'cushion'. The FDIC will insure any CD or savings account in a FDIC-insured bank for the amount of $250,000. This money will return a modest amount, usually around 4% annually. This money is your lifeboat. There's no such thing as a "for sure" in investment, and if an investment guide or broker tells you otherwise, run. For this reason, guard yourself against potential losses by keep a substantial savings. I recommend 10% of your income. Of course, don't save 10% of your income instead of paying off your credit cards.
Finally, you're ready to invest. Again, there is no such thing as a "sure thing". It just doesn't exist. The key to investing is to balance the risk and the potential reward. I recommend investing in a mutual fund. I would avoid picking individual stocks or commodities - this sort of investing isn't that different than gambling. A mutual fund covers a number of different stocks and you gain or lose by the whole group. This protects you from collapses and gives you more chances at a "winner". The best mutual funds, in my opinion, are a group of blue-chip stocks, such as Microsoft and Coca-Cola; these are proven companies that have reliable long-term growth. If you still want to try to "beat the market" that's your opinion; this is an investment "guide", not a investment "you-must-do-what-I-say". However, I would recommend something like a 85-15 split between a mutual fund and "playing the market".
Following these few simple steps, and you won't need an investment guide to save for your retirement, your children's education, or the life you've always dreamed of!
Also, with the help of Feng Shui, you will be able to get the results sooner and with less obstacles.
The first step to any good investment guide is to make sure that you're paying off your debts first. In almost all cases, the interest rates on credit cards and some loans are higher than the potential return on your investments. There are some exceptions - monthly payments on mortgages and car loans can be paid at the minimum, and never pay more than the minimum on student loans, usually the most favorable interest rate you'll have. On the flip side, it's unlikely that you'll find the next Google. Possible, but unlikely. Don't plan on it, and besides, if you DO find it, you won't need another investment guide or worry about what debts to pay off when.
The next step is to have a 'cushion'. The FDIC will insure any CD or savings account in a FDIC-insured bank for the amount of $250,000. This money will return a modest amount, usually around 4% annually. This money is your lifeboat. There's no such thing as a "for sure" in investment, and if an investment guide or broker tells you otherwise, run. For this reason, guard yourself against potential losses by keep a substantial savings. I recommend 10% of your income. Of course, don't save 10% of your income instead of paying off your credit cards.
Finally, you're ready to invest. Again, there is no such thing as a "sure thing". It just doesn't exist. The key to investing is to balance the risk and the potential reward. I recommend investing in a mutual fund. I would avoid picking individual stocks or commodities - this sort of investing isn't that different than gambling. A mutual fund covers a number of different stocks and you gain or lose by the whole group. This protects you from collapses and gives you more chances at a "winner". The best mutual funds, in my opinion, are a group of blue-chip stocks, such as Microsoft and Coca-Cola; these are proven companies that have reliable long-term growth. If you still want to try to "beat the market" that's your opinion; this is an investment "guide", not a investment "you-must-do-what-I-say". However, I would recommend something like a 85-15 split between a mutual fund and "playing the market".
Following these few simple steps, and you won't need an investment guide to save for your retirement, your children's education, or the life you've always dreamed of!
Also, with the help of Feng Shui, you will be able to get the results sooner and with less obstacles.
Stamp Collections
Hi, ever consider to pick up collecting stamps as a hobby. Who knows you may end up collecting more wealth in the end. I heard some of the rare stamps worth a lot of money. Anyone interested?
Tuesday, June 16, 2009
The Auspicious Mountains of Your Hand
According the Chinese Almanac, there are seven mountains on the inner palm of the hand which reveal the inner attributes and determination levels of each person. The contours of these mountains tell us much about a person’s character and personality and they are named after the seven planets that correspond to the planets of the Great Bear. Whether the mountains bring luck or not depends on how “fleshy” and prominent they are on the palm. When they are full and obvious to the eye, they always indicate good fortune. When all seven mountains are full and prominent, this indicates a fleshy hand which is always indicative of a good and long life.
Look at your hands. Are yours fleshy?
Look at your hands. Are yours fleshy?
Thursday, June 4, 2009
Money and Wealth
How do you make sure the money you earn does not disappear or get frittered away? How can you see your money grow steadily over the years, accumulating and expanding so you eventually experience a creation of real wealth instead of constantly having to make ends meet? Getting on top of your finances is not difficult but in addition to having good feng shui, you do need to follow smart advice, exercise discipline in the way you organize your cash flow and be alert to investing your surplus money.
Begin your year with a firm resolution to focus unwaveringly on managing your money. Aspire to become rich and start taking control of your finances and do so in a conscious and serious manner. You need to have an attitude of respect towards money that is neither overly emotional nor excessively detached.
If you want to accumulate wealth, you must first establish the right attitude towards money! Understand that it is a tool and you are in control. You must never allow the management of money to overwhelm you. Let it be a natural part of your life, one of the skills you need to develop and absorb into your daily rituals of living so it becomes second nature to you.
Begin by getting a good idea of your current financial situation. Know the kind of budget you live under. Train your mind to think in a quantitative way, putting numbers to all your thoughts and ideas about everything to do with your money situation. You cannot be clever about money until you know the parameters of your financial situation.
Once you know what the overall position of your income and expense sides, you can start to think strategically about your money. This is the start of dreaming dreams and formulating strategies inside your head. Hazy goals eventually become clearer and this starts you on the road towards becoming financially savvy.Start With Your Saving PotentialYou begin by developing the saving habit. Amass some equity! The first goal is to endeavour never to be in the red in terms of cash management. Never allow yourself to run out of cash. Let this be the golden rule by which you live.
From here you will be in a comfortable position to make an estimate of how much you can save. Saving is a magic word in financial management and this requires you to quantify just two numbers; the first is your combined on-hand income; and the second is an accurate estimate of what you need to spend to adequately cover all the needs of your life. Do not forget to set aside a little something for special indulgences and little luxuries. When you undertake a disciplined assessment of your financial situation, you are much better equipped to know if your combined incomes (for couples) are adequate for the both of you. Put another way, it also shows if you are living beyond your means. An Exercise In Budgeting Budgeting is the first step in creating the habit of keeping track of your spending. This implies taking control of your money. You need to do this if you want to save and be able to invest. This is how wealth accumulation begins, by first creating some personal equity!
Next you need to extend your time horizon. Look beyond your current situation and see if you can work out how much money will be coming in and how much going out over an extended period of time, for instance 12 months. Include holidays and other anticipated expenditures. This is to see if your lifestyle is costing you in excess of what you earn.
Being clever about money requires you to think beyond conventional logic. If you find that you never seem to have enough money at the end of each month because the cost of living has overtaken your earnings, you should start shopping for more financially attractive deals on all your big expenditures. Expanding Your Income BaseIn addition to looking for opportunities to expand your income base, also shop around for better buys and bargain deals. For instance, you can make it a habit to only shop for clothes and other luxuries during sales and to buy your necessities such as monthly groceries from warehouse outlets a little way out of town. You will be surprised how much you can “save” when you really put your mind to it. This does not mean you need to give up on things that make you happy; it means you start to shop smart.
To guard against impulse purchases, it is a good idea to pay cash for all major buys. We are usually more careful when we use real cash instead of plastic. Using the credit card especially when you own multiple credit cards makes it harder for you to keep track of your expenditures, so make the effort not to get addicted to your cards. When You Have Surplus MoneyIf your income situation allows you to save, it means your financial position is healthy.
Once you have a little equity built up, start looking for ways to make your money work for you. Do not be satisfied with merely earning interest from the bank. There are ways of getting a higher return on your money and the way to find out how is to be on the lookout. Start by having a chat with your friendly banker about the different deposit plans they offer.
Begin your year with a firm resolution to focus unwaveringly on managing your money. Aspire to become rich and start taking control of your finances and do so in a conscious and serious manner. You need to have an attitude of respect towards money that is neither overly emotional nor excessively detached.
If you want to accumulate wealth, you must first establish the right attitude towards money! Understand that it is a tool and you are in control. You must never allow the management of money to overwhelm you. Let it be a natural part of your life, one of the skills you need to develop and absorb into your daily rituals of living so it becomes second nature to you.
Begin by getting a good idea of your current financial situation. Know the kind of budget you live under. Train your mind to think in a quantitative way, putting numbers to all your thoughts and ideas about everything to do with your money situation. You cannot be clever about money until you know the parameters of your financial situation.
Once you know what the overall position of your income and expense sides, you can start to think strategically about your money. This is the start of dreaming dreams and formulating strategies inside your head. Hazy goals eventually become clearer and this starts you on the road towards becoming financially savvy.Start With Your Saving PotentialYou begin by developing the saving habit. Amass some equity! The first goal is to endeavour never to be in the red in terms of cash management. Never allow yourself to run out of cash. Let this be the golden rule by which you live.
From here you will be in a comfortable position to make an estimate of how much you can save. Saving is a magic word in financial management and this requires you to quantify just two numbers; the first is your combined on-hand income; and the second is an accurate estimate of what you need to spend to adequately cover all the needs of your life. Do not forget to set aside a little something for special indulgences and little luxuries. When you undertake a disciplined assessment of your financial situation, you are much better equipped to know if your combined incomes (for couples) are adequate for the both of you. Put another way, it also shows if you are living beyond your means. An Exercise In Budgeting Budgeting is the first step in creating the habit of keeping track of your spending. This implies taking control of your money. You need to do this if you want to save and be able to invest. This is how wealth accumulation begins, by first creating some personal equity!
Next you need to extend your time horizon. Look beyond your current situation and see if you can work out how much money will be coming in and how much going out over an extended period of time, for instance 12 months. Include holidays and other anticipated expenditures. This is to see if your lifestyle is costing you in excess of what you earn.
Being clever about money requires you to think beyond conventional logic. If you find that you never seem to have enough money at the end of each month because the cost of living has overtaken your earnings, you should start shopping for more financially attractive deals on all your big expenditures. Expanding Your Income BaseIn addition to looking for opportunities to expand your income base, also shop around for better buys and bargain deals. For instance, you can make it a habit to only shop for clothes and other luxuries during sales and to buy your necessities such as monthly groceries from warehouse outlets a little way out of town. You will be surprised how much you can “save” when you really put your mind to it. This does not mean you need to give up on things that make you happy; it means you start to shop smart.
To guard against impulse purchases, it is a good idea to pay cash for all major buys. We are usually more careful when we use real cash instead of plastic. Using the credit card especially when you own multiple credit cards makes it harder for you to keep track of your expenditures, so make the effort not to get addicted to your cards. When You Have Surplus MoneyIf your income situation allows you to save, it means your financial position is healthy.
Once you have a little equity built up, start looking for ways to make your money work for you. Do not be satisfied with merely earning interest from the bank. There are ways of getting a higher return on your money and the way to find out how is to be on the lookout. Start by having a chat with your friendly banker about the different deposit plans they offer.
Sunday, May 31, 2009
Facts about Pixiu or Pi yao
These mythical creatures ward off negative forces and improve windfall luck. Placing them at the main door or at Wu Huang position will attract bountiful of wealth
Facts about Pixiu or Pi yao
Pi Yao is a powerful and auspicious create of good fortune. Pi yao has the ability to help anyone who is having a bad Feng Shui due to having offended the Grand Duke Jupiter (Tai Sui). If a person is having a series of bad luck after moving to a new home or just completed any renovation should display the Pi Yao at home. Pi Yao Ritual by the Ch’ng Dynasty Pi Yao is one of the 3 animal protectors of your home. The other 2 are Chi Lin and the Lion. Most people select Pi Yao because besides protecting your home or businesses, it will bring good luck to you. Pi Yao have a large mouth to bring in luck, a big pair of eyes to look out for possible danger for you, a big pair of ears to listen to your wishes and a pair of wings for you to fly far and beyond in your career. All Pi Yao have a big backside but do not have an anus. Pi Yao will suck on all the good fortune in its mouth and do not let it to waste and thus keeping all the good fortune for you. In the Ch’ng dynasty all Emperor’s Official will perform a Pi Yao Ritual every morning to protect them and also to bring them luck. You too can perform this ritual every morning before work. Below are the steps to perform the Pi Yao Ritual for Good Fortune and Protection. With your two hands, rubs the ears of your Pi Yao so that it will listen to you and slowly move your hand down to its chest and rub it for longevity. Please do not touch its eye or mouth. If you touch the eye, you will block its view and are unable to look out for you. If you touch its mouth, you will block the good fortune from entering its mouth. After rubbing its chest, move down to the two front legs for stability in business or relationship. Move your hand back up to the wing and rub the wing. It will help your career to advance far and beyond and lastly move your two hands down to its backside and rub for luck. While rubbing its backside, take a moment a make a wish and then close your fist and put your fist into your pocket for luck. Where to Place Pi Yao can be place at any location depending on your need. Put a Pi Yao at your living room if you have just move into new house. If you have just finished renovating your house, the more reason why should have a Pi Yao in your living room. It will save you from any bad obstacle due to your recent renovation that might have created. A Pi Yao in your living room also ensure good health for you and your family members. If you drive long distance, ensure that you put a Pi Yao is your car. Pi Yao will protect you from any unwanted incidents. Facing a Pi Yao directly on the front door will bring you good fortune. A Pi Yao has a very big stomach and it is said that Pi Yao will suck all the good fortune and wealth luck into his stomach. Since the Pi Yao is located in your house, the good fortune and wealth luck will stay in your house. For Business owner, put a Pi Yao at your reception area or any place in your office that you conduct negotiation with your customer or supplies. This will bring you good luck. You might also want to put in your working table facing northwest to bring authority for managers.
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