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Nearly half of all college graduates have reported taking out some sort of student loan in order to help finance their education. Since most graduates do take out loans to pay for their college, many are choosing to use student loan consolidation to help relieve their financial burden after graduation. The following paragraphs will take a closer look at what student loan consolidation is, as well as discuss the interest rates associated with student loan consolidation.

Student loan consolidation is the act of combining more than one student loan into one loan, then repay all of the initial student loans with just one monthly payment. Commonly with this is, the monthly payment will be lower than the payments of the combined unconsolidated loans, as well as student loan consolidation rates of interest. You can also chose time limits up to 30 years to repay the new loan. While this is all beneficial thus far, there is one clear disadvantage associated with college loan consolidation.

It is a true fact that you get a longer time period for repayment when you consolidate loans, and most commonly a lower monthly payment, but that means you will be paying back far more interest than you would have paid with your original student loan agreements. In other words, you will get have more time to pay back your debt, with a lower interest rate, but you will be required to pay this interest for the entire duration of you student loan consolidation agreement.

Currently, the common loan rates are fixed for the life of the loan, which is another advantage. Most private student loan rates are variable, and can change at any time during the loan contract. Having a fixed rate means you will have the same interest rate throughout the duration of your loan agreement; it will never change.

So, while you will likely have to pay back more interest when you consolidate student loans, there are many advantages that can outweigh that disadvantage. If you are considering this, first do your research to ensure you get the best loan suited for your individual needs.

If you need more information on the subject, you can use the internet. By utilizing your favorite search engine, you can generate a list of links that can help you to determine if student loan consolidation can help you. Just enter "student loan consolidation" into the search engine to generate the list.

Student loan consolidation has helped many people after graduation to help manage the debt they incurred through student loans.


Copyright 2006 - Ivar Rudi. Ivar suggests you find great market for less by shopping online today. For more loan information and resources check out: http://www.consolidate-student-loan-guide.org/

Free Life Insurance Quotes

We often ask ourselves whether we really need life insurance. Well life insurance can be thought of as an investment for loved ones or can also be thought of in terms of protecting one's assets financially. Imagine, leaving your children in a lurch. No matter what, one would always try and protect the interests of family first. So to get the best insurance you first need to get best life insurance quotes. Getting them from various organizations give you the flexibility to pick and choose the offer that will suit you best. You can select the period and the premium which is financially viable without pressure or liability. Now with Life Insurance Quotes available online makes our life much easier.

Often we get information by surfing web pages endlessly and ultimately making it more confusing then when you started in the first place. All you need to do is input the information asked, and the Term life insurance quote engine will give simplified information instantly that will enable you to make the right decision for your insurance needs. Life insurance quotes can help you find the best life insurance policy for your particular situation.

Being online makes it all simpler. You can access life insurance quotes on a 24x7 basis through out the year. By just filling up the quote form you can start investing money today for a better tomorrow.

If you are worried about privacy of your information, just relax. Rest assured that the information supplied will only be used to provide you with life insurance quote, and will never be shared with third parties.

Life insurance quotes which are available online save you time by providing you with faster access to information about various insurance policies and coverage. Online insurance quotes and online insurance rates from different insurance companies can quickly show you differences in policies between the various insurance companies. These insurance quotes can help you to save money through comparison shopping. Life insurance quotes from multiple insurance companies will help you to find the insurance with lowest premium, along with tailored insurance coverage to meet your personal insurance needs. Online life insurance quotes can save you time and even money.

They will give you the right information and the most appropriate quotes instantly. The more accurate is the information provided by you, more accurate will be your life insurance quote. The quote you will receive will depend on your medical history and current health status.

Don't think life insurance as an addition to your expenditure. Life insurance coverage is the first help your family would get in the unfortunate event of your death. Especially in the event of untimely death. For those who are the breadwinners, an untimely death would cause dependents to be suddenly without financial security. This is where the right kind of insurance policy can help you financially. A life insurance benefit would steady the rocking boat. Insurance money cannot replace you but it can atleast support your family financially in the time of grief.

Be prepared, with the right insurance! The right insurance coverage will give you peace of mind, and can also help reduce any financial impact to you. Get a life insurance quote today!


#1 Life Insurance Quote http://www.1lifeinsurancequote.com/ provides marketplace which connects consumers with term life insurance http://www.1lifeinsurancequote.com/term-life-insurance.html providers who will compete for your life insurance rates. Learn about life insurance benefits and tax and life insurance. For more information please visit: Life Insurance Quotes http://www.1lifeinsurancequote.com/tips/1.html

Difference among CV Resume and Bio Data

People use the words RESUME, C.V., and BIO-DATA interchangeably for the document highlighting skills, education, and experience that a candidate submits when applying for a job. On the surface level, all the three mean the same. However, there are intricate differences.

RESUME

Resume Is a French word meaning "summary", and true to the word meaning, signifies a summary of one's employment, education, and other skills, used in applying for a new position. A resume seldom exceeds one side of an A4 sheet, and at the most two sides. They do not list out all the education and qualifications, but only highlight specific skills customized to target the job profile in question.
A resume is usually broken into bullets and written in the third person to appear objective and formal. A good resume starts with a brief Summary of Qualifications, followed by Areas of Strength or Industry Expertise in keywords, followed by Professional Experience in reverse chronological order. Focus is on the most recent experiences, and prior experiences summarized. The content aims at providing the reader a balance of responsibilities and accomplishments for each position. After Work experience come Professional Affiliations, Computer Skills, and Education

C.V CURRICULUM VITAE

C.V Is a Latin word meaning "course of life". Curriculum Vitae (C.V.) is therefore a regular or particular course of study pertaining to education and life. A C.V. is more detailed than a resume, usually 2 to 3 pages, but can run even longer as per the requirement. A C.V. generally lists out every skills, jobs, degrees, and professional affiliations the applicant has acquired, usually in chronological order. A C.V. displays general talent rather than specific skills for any specific positions.

BIO DATA

Bio Data the short form for Biographical Data, is the old-fashioned terminology for Resume or C.V. The emphasis in a bio data is on personal particulars like date of birth, religion, sex, race, nationality, residence, martial status, and the like. Next comes a chronological listing of education and experience. The things normally found in a resume, that is specific skills for the job in question comes last, and are seldom included. Bio-data also includes applications made in specified formats as required by the company.

A resume is ideally suited when applying for middle and senior level positions, where experience and specific skills rather than education is important. A C.V., on the other hand is the preferred option for fresh graduates, people looking for a career change, and those applying for academic positions. The term bio-data is mostly used in India while applying to government jobs, or when applying for research grants and other situations where one has to submit descriptive essays.


Resumes present a summary of highlights and allow the prospective employer to scan through the document visually or electronically, to see if your skills match their available positions. A good resume can do that very effectively, while a C.V. cannot. A bio-data could still perform this role, especially if the format happens to be the one recommended by the employer. Personal information such as age, sex, religion and others, and hobbies are never mentioned in a resume. Many people include such particulars in the C.V. However, this is neither required nor considered in the US market. A Bio-data, on the other hand always include such personal particulars.

A student loan consolidation will permit borrowers to merge the existing student loans. As an example, if a student has three divided government or private student loans student loans, the student can consolidate them into one single loan. Theoretically, all three of those loans will be considered paid in full and a new loan will be started in place of the previous loan.

This new loan usually comes with low interest as well as reduced monthly payments made towards the principal balance, which in turn frees up the additional money either to be used towards paying off the loan quicker or other important expenses.

A student loan consolidation program helps by consolidating loans of the student. This is beneficial in 3 distinct ways. First, it's more convenient. Students with multiple loans also have to make multiple payments every month; and not always at the same time of the month. That means there's more paperwork and due dates to keep track, with a chance that one of them will remain unpaid.

With consolidation, there's only one loan payment due every month instead of two, three, or even more. This is often easier for many student and graduates to handle while paying of student loan debt. One nice thing to note is that unlike other forms of debt management, such as debt consolidation or debt settlement, a student consolidation will not be counted as a negative on your credit report.

An additional advantage of a student loan consolidation is that it may save student's money. A student with three or more outstanding loans may be required to make $100 payments each month to all three lenders. That's a total of $300 per month.

After consolidation, only one payment is necessary and that sum is usually much less than the collective payments from all of the loans. That can be an enormous advantage for students who have just a started in their careers or who do not have the income needed to cover large loan expenses right away.

You must be cautioned, in some cases, the sum owed to pay towards the loan may be either the same or larger; but it still has the advantage of a regular interval of payments which have to be made.

Consolidating student loans may open up added opportunities for students. They may be given new choices to postpone the payments or additional repayment possibilities. This added flexibility can come in handy for students wanting to continue their education even further, struggling to find employment or experiencing financial hardship.

It is vital to remember that a student loan is privy to the student loan repayment terms as long as the person holding the debt is indeed a student. Once you complete your studies, in some cases, your interest rate on the loan may increase as well as a shortened period of time to pay such loan back to the government. This non-student status makes a student loan consolidation plan a very attractive and viable option, especially for those graduating in the near future.

Student life, generally is a wonderful period of life for anyone. Instead of wasting it worrying about loans, use the A+ idea of student loan consolidation.

Keyword Articles: http://www

1) Your heart beats faster when you hear their name
2) Your body melts when you are in their arms
3) They are the only one that you want to be with
4) No one else is even worth looking at
5) You would walk 3 miles in the snow just to see them
6) You will do everything in your power to make them happy
7) When someone asks for your number, you say "you can call my boy/girl friend and get it from them
Cool When every romantic thing makes you think of them
9) When you cry when you won't see each other for a while
10) You go to sleep thinking about them
11) You wake up thinking about them
12) You want to spend every moment with them
13) You don't mind if all they want to do is cuddle
14) Silence doesn't bother you
15) They are not only your lover, but also your best friend
16) You can tell them anything
17) You can go to the movies and actually WATCH the movie
1Cool They are always there for you
19) They are there when times are rough
20) When you say, "I LOVE YOU" and mean it...

Finding the best auto insurance is subjective. What would seem to be the best car insurance for you may not be the best car insurance for other people. It really depends on what you are looking for and with several decent car insurance companies out there, it would be hard to point out which one is the best.

Of course they would tell you they’re the best. But the question is they’re the best in what? If they say they are offering all the best benefits for car insurance then most likely they are just trying to lure you into believing that indeed they are the best. In fact, no one can truly justify that they are the best car insurance company. One can supersede the other in some points but not in its entirety. Of course there are other car insurance companies who offer better deals and discounts and they get good reputation for it. Not all car insurance companies are the same though and you must learn about the different companies first before you strike a deal with them.

The reputation of the car insurance company is important. The different coverage being offered and the prices for this coverage as well as the discounts and other exemptions are equally important as well. So if you want to know if there is an easy answer to finding the best car insurance then the answer is NO. It’s complicated… too complex. You can’t just point your finger to one car insurance company and say they’re the best… another company will sprout up and take its place and so on.

Why do I need car insurance? The obvious answer to that question in Canada or the United States is very simple. It is the law! If you own a vehicle that is being driven by someone, even if it is not you, the vehicle must be insured. The main reason for the law is to guard against drivers causing injury to others and having no reasonable means to compensate the injured party financially.

Further, most, if not all, Canadian and American insurance companies have a minimum liability. In today’s standards, a million dollar liability does not go very far if someone is injured or there is major public damage. To prevent buyers from choosing cheap, mediocre insurance, a minimum is usually required by the insurer and possibly the province or state.

Aside from the legal aspects of requiring car insurance, there are many other good reasons for taking out a vehicle insurance policy. And some of these reasons or benefits may help the buyer choose what company is best when buying car insurance. In fact, these will be the primary reasons for choosing one policy over another and committing to one company, so the prospective buyer should really understand the specific aspects of the polices and compare.

A few of the more important reasons to choose one insurance policy over another are:

Personal Medical
Whether or not you are involved in an accident with another party or alone and whether or not you are to blame, having car insurance may help with personal medical expenses. If the policy includes this benefit, there will be allowances for therapy, equipment, and other devices or treatments for the medical condition resulting from the accident.

Proceeds Toward Another Vehicle
While in most instances, the insurance payout from a vehicle that has been “written off” never covers the cost of a new vehicle, the insurance is nonetheless very important when a car is “totaled” or even involved in a minor accident. At least the insurance company may pay for the damages to be repaired or offer a book value settlement to be used toward another vehicle.

Rental Car
In the event that your vehicle spends time in the garage or you need time to purchase another vehicle after an accident, having access to a rental car will be helpful. This is one area, however, where insurance companies differ dramatically and the insured never realizes the full extent of the policy until he/she makes a claim and requires the benefit. The length of time a rental is permitted and the cost per day allowance will be important issues when choosing the right car insurance policy.

Loss of Income
In the case of accidents causing severe injuries, insured members may be forced to take substantial time off work. Having a car insurance policy that reimburses for loss of income will be extremely advantageous.

Theft or Fire
Another reason that many people do not think about when searching for car insurance is that the vehicle may not be involved in an accident to require an insurance claim. In fact, for people that own vehicles that are appealing to thieves, insurance coverage would be a good idea. Also, if the vehicle is vandalised or goes on fire in your own driveway, then insurance would be required.

Indeed, there are many valid reasons for purchasing car insurance. The question is not whether you should purchase insurance but rather, how much insurance do you require and what type of benefits do you wish to receive should you make a claim?

Life insurance is usually not a particularly popular subject to discuss. Images of pushy salesmen waving the policy that "you absolutely must have" instantly come into your mind. However, if purchased wisely, life insurance can be used to meet many different needs of the policy holders.

Life insurance is unique. No investment or asset can provide the purchaser with such extraordinary leverage and the ability to create liquidity when, in many cases, it is most needed. A young professional looking to create an estate in order to replace future income lost to the family in the event of a premature death cannot make a better purchase. But not everyone falls into this category.

Obviously, most people purchase life insurance solely for the ultimate payout upon the death of the insured in order to provide for their dependents. However, life insurance can also be used to pay death taxes and estate settlement costs, to shift wealth from one generation to another or to benefit selected charities. Certain types of life insurance also have an investment feature in which funds accumulate while the policy is in place and may be used to pay future premiums. In a business context, life insurance can be used to fund all or a portion of a buy-sell agreement between partners or co-shareholders.

Life insurance policies are typically divided into two major types: term insurance and permanent insurance. From these two basic policies, the insurance industry has developed a number of products using the same essential principals.

Term Life Insurance

Term insurance is a policy which will pay a death benefit only if the insured dies during the term of the policy. Simply stated, term insurance is "pure insurance." No benefits are paid if the insured lives beyond the term of the policy and there is no investment or cash value feature inherent in this type of policy. For this reason, term insurance policies will carry the lowest premiums in the earlier years of the policy. However, as an individual gets older, term insurance gets more expensive.

One of the biggest problems with term insurance is that once the policy expires, the individual will usually need to replace the insurance at a higher cost. For some individuals, insurability becomes an issue once a policy terminates if they are no longer in good health. As a result, insurance companies may offer "renewable" term policies. For a small additional premium, the insured is entitled to keep the policy in force at the end of the original term. Despite the fact that the insured is making a unilateral decision to extend the policy, evidence of good health is not required.

Some term insurance policies feature a convertibility option. At the request of the insured, the policy is changed from a straight term policy into a permanent whole life insurance policy. This feature will come at the cost of higher premiums than regular term life insurance and often expires after a certain number of years or once the insured reaches a predetermined age.

# Women will always ask questions that have no right answer, in an effort to trap you into feeling guilty.

1. A good head to be able to evaluate the quality of ideas and
Suggestions presented to him.



2. A good heart to be able to be compassionate and fair with the people.



3. A good spirit to be able to hear the voice of God. Some paths
God will lead you down don't make head and heart sense at the
Time.



4. A good eye to be able to see things other people cannot.



5. A good tongue to be able to communicate the vision to the
People and motivate them to follow.



6. A good hand to be able to do the things that need to be
Done. Knowing the right way is not the same as doing it.



7. A good foot to set an example for the people. A minor flaw
Can outshine a major mission in the eyes of small minds.

Chocolate: Universal Product of Pleasure, Love and Friendship

Chocolate transcends all the barriers of age, gender, race, color, religion, language and nationality. Show a person who does not enjoy eating chocolates. It's in true sense a boundaryless entity.

History

* First chocolate house opened in London in 1657.
* Physician and collector Hans Sloane developed milk chocolate drink in Jamaica in 1689, which was later sold to Cadbury brothers.
* In 1700, mechanical mills were used to squeeze out cocoa butter that was used to make hard durable chocolate.
* The modern process of making chocolates was developed after the industrial revolution.
* New machines were manufactured and the product chocolate was sold throughout the world as a much liked product.

Process

* Cocoa is produced from cacao trees.
* Trees grow the pods containing in it the cocoa beans.
* Once the pods are fully ripe, they are harvested by cutting them from the trees.
* Beans are removed from the pods.
* Beans are placed in bins to ferment which gives them the famous chocolate taste.
* The beans are then quickly dried.
* Beans are transported to chocolate manufacturing site.
* Beans are cleaned, roasted and graded.
* Shells are removed to extract the nib.
* Nibs are now ground that releases and melts the cocoa butter producing chocolate liquor.
* Chocolate liquor is processed to give cocoa solids and cocoa butter which are used to make chocolates by mixing milk powder or condensed milk and sugar.

Production of Cocoa Beans

* Around 70% of world's cocoa is produced in Western Africa.
* Around 50 million people in the world are employed around the production of cocoa.
* Three most dominant chocolate makers are: Barry Callebaut, Cargill and Archer Danilels Midland Company.

Types of Chocolates

* Dark chocolate.
* Milk chocolate.
* White chocolate.

Caution for Storing Chocolates

* Chocolates are sensitive to heat and moisture.
* Therefore, take care to store the chocolates.
* Keep them in refrigerator.
* Ideal temperature for storage: around 17 degrees centigrade.
* Ideal relative humidity: less than 50%.
* Do not store them near other food items. Chocolates may absorb the aroma of other food items.
* Keep the chocolates properly wrapped.

Advantages and Dis-advantages of Eating Chocolates

* Gives pleasure.
* Dark chocolate is good for circulatory system.
* Brain stimulator.
* Anticancer.
* Cough preventer.
* Antidiarrhoeal.
* Taken in large quantity, results in obesity.
* It may be addictive.
* Possibility of mild lead poisoning.

Here, on this page, we are going to pen down lots of interesting things about cars, the most fascinating product among all the products till date.

We will keep on updating the information about cars here from time to time. Do look up this page often for getting more and more information about the cars.

Early Days of Modern Cars

Inventor: Karl Benz of Germany
Year of production of first car: 1885
Place of production: Manneheim, Germany
Number of Benz cars sold between 1888 and 1893: 25
Countries involved in initial development of cars: Germany, France, America, Great Britain

Mass Production of Cars

Initiator: Ransom Olds
Year: 1901
Name of car: Oldsmobile
Person who further developed the mass production concept concretely: Henry Ford (Ford Motors) in year 1914
Person who introduced concept of multi models of cars: Alfred Sloan (of General Motors)

Fuels and Alternatives

*

Petrol (Gasoline)
* Diesel
* Bio fuels
* LPG
* Electricity
* Hybrid
* Compressed air
* Water (futuristic, yet to come)

Engine

Normally a four stroke engine.

Major Car Producing Countries (not in any particular order)

* Japan
* USA
* China
* Germany
* South Korea
* France
* Brazil
* Spain
* Canada
* India
* Mexico
* UK
* Russia
* Italy
* Thailand
* Turkey
* Iran
* Czech Republic
* Belgium
* Poland

Major Manufacturing Companies (not in any particular order)

* Toyota
* General Motors
* Volkswagen
* Ford Motor
* Honda Motor
* Peugeot Citroen
* Nissan Motors
* Fiat
* Renault
* Hyundai Motor
* Suzuki Motor
* Chrysler
* Daimler
* BMW
* Mitsubishi Motors
* Kia Motors
* Mazda Motor
* AvtoVAZ
* Tata Motors
* Fuji Heavy Industries (Subaru)
* Chang'an Motors
* Isuzu Motors
* Beijing Automotive Industry
* Dongfeng Motor
* Chery Automobile
* Shanghai Automotive
* Brilliance China Automotive
* GAZ
* Volvo
* Harbin Hafei Automobile
* Geely Automobile
* Anhui Jianghuai Automobile
* Mahindra & Mahindra
* Paccar
* Great Wall Motor
* Jiangxi Changhe
* Porche
* BYD Auto

Some Top Popular Car Models

* Toyota Camry
* Toyota Corolla
* Toyota Lexus
* Honda Accord
* Mercedes Benz
* BMW
* Mazda
* Nissan
* Hyundai
* Ford Mustang
* Ford Shelby
* Porche
* Lamborghini
* Audi
* Ferrari
* Chevrolet

Relationships are one of the most frustrating aspects of human existence. It seems like some kind of cosmic joke that men and women are so different in every way, yet we?re supposed to pair up successfully. It can seem impossible to tell what the opposite sex is thinking and how we can respond. Unfortunately, many men depend on an ill-informed set of criteria to decode what they think women want. Eyelash batting is a sure sigh if you?re into the middle-school set. What you should be keeping your eyes peeled for is a combination of positives and negatives. Here?s some insight to how real women show there interest, or lack of.

1- Body Language

This is a big one. There?s a lot of information to be gathered here. It will tell you if she?s interested, and it can tell you if she?s not. . Pay attention to how she?s sitting. Are her legs crossed toward you or away from you? If they?re toward you, then chat with her; if they?re away, then you should go away too. If she?s closed off, meaning she?s physically withdraw from you: turns away, folds her arms, avoids eye contact, she?s telling you to keep moving. If you see the opposite behaviors, have a seat.

2- The eyes have it

If her body language says yes, then you?re probably close enough to check out her eyes. Our pupils dilate when we look at something we desire. There?s no way to fake it either way. It?s basic biology.

3- Get a clue

If you?re not catching the nonverbals she?s throwing out, listen to the words that are coming out of her mouth. There are certain topics a woman will never broach with a man she?d like to get to know better, and some things she?s only say if she?s into you:

* Exes - If she talks about other guys, even ex boyfriends, she?s saying there?s no room for you.
* Eternity ? If she goes over the top about how she?s itching to tie the knot, she?s either got issues you don?t want to get involved with or she wants rid of you.
It?s a fail proof way to run a new guy off. The same goes for any degree of biological clock ticking.

*Interrogation If she?s interested, she?ll ask. It?s that simple. No woman is going to ask get-to-know-you-type questions to a man she doesn?t want to know about. If she?s asking about your job, your family, your extra curricular activities, treat it like a job interview. You are being evaluated for compatibility and boyfriend potential.
So, forget everything you think you know about hair twirling and giggling. Grown women don?t behave that way. Dating can be tricky, especially at the start, but there?s no need to complicate things by trying to play it like a guessing game. Responding to simple social cues will save a lot of confusion for all involved. Uncomplicated relationship doesn?t have to be an oxymoron.

* No one can ruin your day without YOUR permission.


* Most people will be about as happy, as they decide to be


* Others can stop you temporarily, but only you can do it permanently.


* Whatever you are willing to put up with, is exactly what you will have.


* Success stops when you do.


* When your ship comes in.... make sure you are willing to unload it.


* You will never have it all together.


* Life is a journey...not a destination. Enjoy the trip!


* The biggest lie on the planet When I get what I want I will be happy.


* The best way to escape your problem is to solve it.


* I've learned that ultimately , 'takers' lose and 'givers' win.


* Life's precious moments don't have value, unless they are shared.


* If you don't start, it's certain you won't arrive.


* We often fear the thing we want the most.


* He or she who laughs......lasts.


* Yesterday was the deadline for all complaints.


* Look for opportunities..not guarantees.


* Life is what's coming....not what was.


* Success is getting up one more time.


* Now is the most interesting time of all.


* When things go wrong.....don't go with them.

Genius IQ today let you all know about Law of reflection. The Law Of Reflection states that whatever you do, think or feel will be reflected back to you. The reflection is of greater quantity, focus and power. It is a law which is not apparent to most people and so they continue to experience problems in their life, so it is necessary to clarify the principles of this law so that you can complement and respect it to further your goals.

1. You should always speak, act and do things in the way that you would ideally want the world and your life to be. For example, if someone were to speak ill of you, you should ignore it completely and speak highly of them. They will then, almost miraculously end up speaking highly of you too.

2. You should be mindful of the fact that everything you do, think or feel will have a physical effect. No matter how small it may be, the cumulative effect over a period of time can be quite large. For example, if i continued to collect 1 cents coins, i would eventually have a dollar and this same principle applies in this case too, in that small changes will eventually make a big difference.

3. We should valid lengthen to make steps to improve ourselves. This will mean the world will always persist to improve for us..


What To Expect From The Law Of Reflection

A. People will become a reflection of what we want them to be, from the way we speak to them. They will speak highly of us, if we do that to them.

B. Increased clarity and focus in our lives if we give ourselves focus. When we know that what we do will be reflected back on us with greater power, we will continue to remain focused to help ourselves.

C. Increased insight into lifes situations. It no longer becomes a mystery why the same situation continues to crop up time and again. We are creating it from what we are giving out.

The Story A boy lost his girlfriend in a train accident, but the her name nowhere appeared in the dead list. This boy grew up and became IT technical architect in his late 20s, and got achievements.He hired developers from the whole globe and plan to make a software where he could search for his girlfriend through the web, and things went as he ever planned. He found her, after losing millions of dollars and 3 long years! It was time to shut down the search operation, when the CEO of Google had a word with him and took over this application. This Software made a whopping 1 billion dollars profit in its first year, which we today know as ORKUT .The boy?s name is ORKUT BUYUKKOTEN . Yes it?s named after him only. Today he is paid a hefty sum by Google for the things we do like scrapping. He is expected to be the richest person by 2009.ORKUT BUYUKKOTEN today has 13 assistants to monitor his scrapbook & 8 to monitor his friends-list. He gets around 20,000 friend-requests a day & about 85,000 scraps !!!
Some other Cool Facts about this guy:

He gets $12 from Google when every person registers to this website.
He also gets $10 when you add somebody as a friend.
He gets $8 when your friend?s friend adds you as a friend & gets $6 if anybody adds you as friend in the resulting chain.
He gets $5 when you scrap somebody & $4 when somebody scraps you.
He also gets $200 for each photograph you upload on Orkut.
He gets $2.5 when you add your friend in the crush-list or in the hot-list.
He gets $2 when you become somebody?s fan.
He gets $1.5 when somebody else becomes your fan.
He even gets $1 every time you logout of Orkut.
He gets $0.5 every time you just change your profile-photograph.
He also gets $0.5 every time you read your friend?s scrap-book & $0.5 every time you view your friend?s friend-list.