Did you parents ever give you the advice that in order to become wealthy they need to study hard, get good grades so they can get a good job? I know I have heard this advice on many occasions from my parents. But the fact is that getting good grades no longer ensures that you will become wealthy. Even many doctors, who are often the ones with the best grades, are now struggling to earn a lot of money. If you want to get rich, without needing good grades, then read on.

Something that they don’t teach you in school is that you banker never asks for your report card. If you go to your bank and ask for a loan, either for a business, property or some other investment, then your banker is not going to ask for your school report card. Your school report card has very little relevance on whether or not you will become rich. There are many highly educated people who are poor and struggling for money. There are also some very uneducated people who a millionaires and billionaires.

Schools are developed to train people to look for a job, but this alone will not make you rich. Often it is the educated people with the highest paying jobs that have the most debt and are in the worst spot financially. You don’t need good grades in school to become rich, but you do need a good financial education. A lot of people leave school without the slightest financial education. Many leave deeply in debt from school fees and they spend their entire lives trying to get out of debt.

Some very simple financial education can save you a lot of time and trouble and can make you rich a lot quicker. In fact someone with a lot of financial education, but not a lot of school smarts, is much more likely to become rich than someone with school smarts but now financial education.

In school you are more intelligent if you can make finer distinctions. Let me give you an example. If you can distinguish a car from a truck then you have some intelligence. However, if you can distinguish a 1987 Ford Laser from a 1990 Ford Laser then that is a greater distinction. You are able to understand things in finer detail and are therefore more intelligent. In school you will also be taught that there is often more than one meaning to a word. For example, the word pound means many different things. It can mean money, in the form of English currency, it can refer to weight, it can refer to a lost dogs home or it can mean to hit with a force. The one word has multiple meanings.

In finance, some words have different meanings. Only in finance one meaning will make you poor, and another meaning will make you rich. Neither meaning is right or wrong, just different, but they have very different outcomes.

One of the most important words you will ever understand in finance is the term asset. Now your banker will tell you an asset is anything you own that is of monetary value. This includes you old golf clubs, your suits and your car. This is one correct meaning of the word asset, but it will make you poor. A better understanding of the word asset is something that generates you an income whether you work or not. To put it simply, if you stop working today an asset will continue to put money into your pocket. A liability is something that takes money out of your pocket whether you work or not.

A lot of people are poor because they spend their time buying assets that are liabilities. They buy things of monetary value that cost them money to own. A car costs money to own every month. So although, according to the bank’s definition of an asset, they are acquiring an asset, they are becoming poorer. Rich people focus on spending their time and money to acquire assets that generate them income. It is these assets that make them rich, and it is the ability to define the difference between an asset and a liability that makes them financially intelligent.

In the corporate world, presenters are crucial to closing a deal, establishing good relationships with other companies, influencing others to be part of the company, and many others. With these good advantages, it is important that a presenter possess superb qualities to achieve and enjoy the benefits it offers. The question is what these qualities are. In a study conducted for qualities of a skillful presenter, there are 28 qualities that emerged. Some of these qualities are listed below.

1. Confidence. A presenter should be confident in what he presents no matter his lack of knowledge. Oftentimes confidence exceeds knowledge so if you are to present, make sure you embody this quality.

2. Clarity. A presenter should be clear on the information he relays and should leave no doubt to his audience. This is the reason why it is important for every presenter to research what he would present and prepare for any questions that may be asked of him.

3. Commanding. A good presenter should be authoritative. He should know how to own the room in a way that every participant attentively listens to him and participates in every activity he asks.

4. Understandable. A good presenter should be understandable to his audience. This is actually a crucial part in presenting otherwise the whole goal of presenting is defeated.

5. Natural. A good presenter should be natural in a way that everything from the presentation or multimedia used to the delivery of the message is polished. This can be managed through constant practice of your presentation.

6. Credible. A good presenter should be credible in a way that he is convincing and believable to his audience.

7. Adept verbally and non-verbally. A good presenter should use great words and should show great tone, volume, and correct pacing. He should also be able to enunciate the words he is speaking. Also he should possess clear communication with body language. This includes body movements, gestures, posture, and facial expressions.

8. Animated. A good presenter should be animated in a way that he is lively and enthusiastic when presenting. There are different kinds of personalities that compose an audience. It is crucial that you should be able to learn to entertain each one of them to avoid getting them bored.

9. Relaxed. A good presenter should be relaxed and comfortable in what he does. A relaxed person is neither tense nor anxious.

10. Focused. A good presenter should be focused especially to the topic at hand. No matter the problems at home or at work, he should learn how to manage these worries for it not to show when he presents.

Many homeowners are covered for something that happens often through their home insurance policy, and they don’t even know it. If they were aware, it could save them a significant amount of money if their kids, their pets, or they themselves cause damage to a neighbor’s home. It is called Good Neighbor Insurance Coverage and it is included in virtually every homeowners insurance policy out there. The specifics of the coverage option vary somewhat but generally speaking, here’s how the coverage works.

If your children to any damage to your neighbor’s house, all you have to do is call in and make a claim. The best thing about this coverage is that there is no deductible necessary and you get your money immediately after the insurance company has had a chance to view the damage to your neighbor’s home. Depending on who your home policy is with and how much protection you have opted for, your maximum payout on a Good Neighbor claim will be around $1000 or more.

It even covers damage that your children do intentionally, as long as they are under a specific age that is named in the policy. It also covers any damage that your pet may do like a dog chewing the walls of your neighbor’s house. Of course, it covers any damage you cause by doing yard work or playing with your kids. No matter what the exact cause, good neighbor coverage will take care of you and handle your payout with no deductible. Don’t forget that you have it.

"I'm just not good enough." It's something we therapists, counselors, and coaches hear all too often from our clients. In fact, it's probably the most prevalent belief in our society: number one on the hit parade of limiting beliefs about self.

The cognitive approach is to refute the belief in an effort to convince the client that he or she is, indeed, "good enough" – an acceptable human being. I myself have done that. I've urged clients to list their positive attributes. I've reminded them that they are not axle murderers. I've had them stand in front of a mirror, as motivational speaker Louise Hay recommended, and say kind and loving things to themselves. Sometimes these methods help. Sometimes they don't.

Another approach is to offer evidence that the belief is illogical and meaningless. So I usually begin by investigating the wording of the belief. "Not good enough for what?" I ask. Most clients are not sure at first. The question implies they might be good enough for some things but not for others. They usually answer that they are not good enough to accomplish the very results for which they came to therapy, counseling, or coaching. No surprise here.

They want better relationships, or improved health, or more confidence – but they don't believe they are worthy of what they want. That's a dilemma.

Next question: Not good enough according to what standard of measurement? This question is often perplexing because most people are unaware that "enough" implied a measurement or criterion against which we can agree that some humans are good enough and some aren't. Of course there is no such standard.

Most people, if they think about their "goodness" at all, simply decide for themselves that they are "not good enough" due to their shortcomings. Shortcomings alone do not qualify as adequate measures for determining the worthiness of a human being.

Some people have low self-esteem due to a history of toxic shame, often at the hands of authority figures, such as parents, teachers, or mentors. When shame is the result of insult and abuse (physical or psychological), shame becomes toxic, leading to emotional and behavior problems as well as eroded self-esteem. With toxic shame, people evaluate themselves as unworthy, defective, and inadequate; unable to meet their own expectations and incapable of creative lasting love, success, or happiness.

They want these accomplishments, and assume that such accomplishments will give them the self-worth they long for. Yet they don't feel worthy of those very accomplishments. They compare themselves unfavorably to others who have found love, success, or happiness, – and feel even more inadequate.

Sometimes I ask: Do you, or the person who harmed you in this way, have sufficient training and experience to be an expert on determining human worthiness? The answer is always "No."

At this point, I can summarize that the belief of "not good enough" is based on an unsupported standard of measurement, determined by an amateur. This makes the belief of "not good enough" nothing more than a fabrication. It's not real; it's made up. But even though I can convince some clients that the belief isn't logical, they tell me it still feels true. Most people with low self-esteem would like to feel better about themselves – if only they knew how.

Lately, I've been thinking that trying to change the "not good enough" belief is a lot of effort, when it's easier to just agree. "I agree with you. You aren't good enough." Yes, I know – that seems cruel. So let me tell you the rest of that conversation.

"I agree with you. You aren't good enough. Let's suppose for a moment that the made-up conclusion you've been telling yourself over and over really is true. So what? What difference does it make in terms of your capacity to have what you want? "

If we have to believe we are "good enough" for the things we want to do or have or be, according to some non-existent, nonsensical standard, then it seems to me that all us must at least sometimes feel "not good enough in one way or another.

I applaud self-improvement and personal growth. I just don't believe we have to feel perfectly beautiful, intelligent, and competent in order to explore our potentials. There is no rule that only the perfect and best among us get to satisfy their hopes and dreams while the rest of us must hang our heads and dig our toes into the dirt.

As humans we are inherently flawed and prone to error, ignorance, and poor judgment. Our achievements are few in comparison to our shortcomings and mistakes. We blunder through a life that is messy and often unpredictable, learning by trial and error. It is human nature to feel unfinished and incomplete. In this sense, all of us are "not good enough" because all of us fall short of our aspirations and ideals.

Acknowledge your mistakes, weaknesses, and inadequacies. Then go after what you want anyway – even if, along the way, you screw up – even if you fail and look foolish. Failure isn't an invitation to quit; It's an invitation to learn new tactics and modify your plan. Obviously I don't endorse this philosophy where human lives and wellbeing are at stake.

Here's the dilemma. You can't be anyone other than you own "not good enough" self. For each of us, contending with who we are and who we aspire to be is the only game in town. So celebrate life anyway. Stop worrying about your worthiness and direct your energies and attention to what you love doing, where you can contribute, and how you can improve.

Accept that you will always be perfectly imperfect. Accept that you have faults and that every life holds mistakes, failures, regrets, anger, disappointment, embarrassments, and hurts. Just like any other human, you have your own baggage, full of negatives that you can correct, improve, or move beyond, if you want to. Accept that you also have talents, gifts, blessings, skills, accomplishments, and triumphs, just like any other human. Life is confusing, glorious, complicated, and messy for everyone.

Many books on self-esteem and spirituality speak about the "true self" or "core self" – who you "really are." Let me tell you what I believe about who you really are. You are more than your possessions, your looks, and your work. You are more than your struggles and triumphs. Your are more than your body. These are all transitory. The real you, your true self, is eternal, ineffable, and transcendent. It is what remains after you take away all that is material. It is made of the Infinite Consciousness that creates the universe and holds it together, differentiating every living entity, giving life, animation, and endless variety. This creative energy – call it what you will – is the essence of who you really are.

The need for love is in our genes. We sometimes forget that the love we want most is the love that comes from within. Until you can get along with yourself, in spite of yourself, all the love in the world will never fill the void. Embrace that you, good enough or not, are a living being on this journey of life, and understand what makes you a unique and precious child of the Universe.

How do we go about determining whether policy is good policy. In other words has it achieved the desired objectives of the organisation and the required outcomes.

A relatively simple way to determine whether policy is effective is to apply the following 17 criteria.The 17 characteristics of good policy can help us determine whether it is going to be effective prior to its implementation. The 17 characteristics can be used as an audit tool to identify any shortfalls in the documentation prior to its implementation.

The 17 characteristics of good policy are;

Outcomes are clearly stated.

Assumptions are clear and explicit.

There is linkage to organisational direction.

Due process in the development stage has been observed.

Stakeholders have been included in the development.

Public interest has been given a high priority.

Organisational expectations have been met.

The policy is likely to be both efficient and effective.

Outcomes are stated in measurable terms.

There is a capacity to evaluate outcomes.

It has been appropriately funded and resource.

There is clear accountability.

It follows all appropriate laws.

It is enforceable.

It is historically informed.

Ideas have been tested prior to implementation.

The policy outcomes are clearly stated.

Policy must have a clear purpose and outcome if it is to be of any value to the organisation. It is important that staff recognise the problem that is being addressed through the policy implementation. It is extremely difficult to implement policy in a situation where people do not perceive there is a need for the specific policy unit to be developed or implement. If policy is being implemented to support an organisation in its growth and develop it is imperative that policy outcomes are clearly stated so that everyone and understands why the policy has been implemented in what the policy expectations are.

The assumptions are explicit.

Part of the policy statement must clearly express why the policy has been written and what is hoped to be achieved by its implementation. Part of the consultative process prior to the implementation of policy needs to be a testing of the process and ideas as to why the policy needs to be implemented. One of the common problems within organisations is that people among level of the organisation believed policy next year it meant to resolve the specific problem may not necessarily exist across the entire organisation. The assumptions that have been made about why policy needs to be implemented must be tested within the organisational context. Is a perceived problem in one department a rule problem that needs to be addressed from an organisational point of view or is a specific issue relating to that department and had particular personnel within the Department.

There is linkage to organisational direction.

Policy makers must ensure that policies linked to the overall direction and goals the organisation. The overall framework of the business will provide some strategic direction, and will be important in assessing the direction of the organisational policies. Policy writers must ensure that the policy supports existing policies and procedures within the organisation. One of the tests of good policy is that it supports the organisation in achieving its goals and objectives. Often time policy through its implementation can in fact hinder staff in achieving the organisational goals. Policy should be seen as pillars supporting the structure of an organisation. Policy should be written in such a way that they clear obstacles to staff and enable them to better achieve their full potential.

Due process has been observed.

The organisational rules and principles must be established and clearly understood as part of the policy development process. It is crucial that all components of the organisation have some input into the policy development.

Policy implemented in one department may seem fair and reasonable until that policy has a deleterious effect impact on other parts of the organisation as a whole.

As part of the organisational framework the structure needs to be both developed and implemented that will enable policy development to happen in a concise and engaging manner so that all aspects of the organisation have their input into the policy development and implementation.

Stakeholders have been included.

Stakeholders in other words those who are directly affected by the implementation of policy and the policy outcomes need to have some inclusive process developed whereby they can participate in the policy development. Part of the policy development process therefore is to clearly identify who all the stakeholders are. And appropriate consultative strategy needs to be implemented as part of the policy development process.

One of the significant problems that can develop a stakeholders are invited to participate in policy development is the expectation from each stakeholder their specific outcomes or desires will be achieved by the policy implementation. Oftentimes it is difficult in fact almost impossible to achieve all the desired outcomes from each stakeholder group.

One of the key components of policy development is to discuss with each of the stakeholder groups the policy outcomes that are going to be implemented. Where these outcomes clearly do not meet the stakeholders expectations it is imperative that the organisation identify these issues and resolve these conflicts as much as possible.

Public interest has been given a high priority.

Public all government policy needs to have as its core public interest. In other words has the policy been written with the general outcome and expectation being that the public will be better off as result of a policy implementation. One of the core challenges for government as they implement policy is to ensure that the policy impacts do not have a deleterious effects on members of the community.

Organisational expectations have been met.

Policy writers must realise that they have two audiences they are dealing with first audience is a group of people that policy has a direct impact on. In other words the staff that are going to be directly impacted by the policy implementation. Staff may be required to implement new procedures as result of the new policy being implemented. Their work practices may alter to some extent. The second audience and in oftentimes more crucial audience other leaders within the organisation. Have the leaders expectations being addressed and realised in the policy outcome. It serves little purpose of the policy is tabled at a board meeting to find the majority of the board in fact do not support the policy intent or specific outcomes.

Policy writers must have a clear understanding of the organisational expectations and what the policy intent and the outcome is as they develop the policy.

The policy is likely to be effective.

The intended policy is to achieve a specific outcome is outcome needs to be effective in terms of the impact that it has on the organisation. Part of the consultative process is undertaken appropriately will help identify areas where the policy may not be effective I within the organisation.

The policy is both efficient and cost effective.

Policy directives must ensure that organisational resources are being used in an appropriate manner. It achieves very little of the new policy is implemented in a cost impact on the organisation is significant.

The policy is measureable

This refers to measurable indicators that will provide proof a specific policy is having a desired effect. This is especially useful for the evaluation stage of the policy cycle.

There is capacity for evaluation

As indicated in the desired characteristic above, the ability to measure the effectiveness of any policy gives it capacity to be evaluated. Evaluation of policies helps an organization determine effectiveness and possible areas where change is needed, enabling that particular organization to work at its’ most efficient level.

It is appropriately funded

Not only must an organization ensure its policies, and policy development initiatives, are properly and appropriately funded, it is imperative to identify and set aside the necessary funds for its implementation. Your organization should be budgeted for these initiatives; stay within budget.

Clear accountability

It should be easily apparent in the policy which persons and departments are accountable for what actions, and within what time frame. Everyone, from the policy officers to the direct worker are accountable for some part of the policy, whether it be proper use of funds, proper protocols for developments, or the recommended implementations, must be held directly accountable.

It follows all appropriate laws

Policies, whether within government organizations or business, must adhere to certain laws. If the policy officers are uncertain if the policy they propose are crossing any legal lines, then the organizations lawyers must be consulted. Not doing so and allowing improper policy to be adopted in to implementation could be very costly on a legal level.

It is enforceable

A policy that cannot be enforced is not worth the time and effort put in to it, much less the paper it is written on. If the policy is practical then it should be enforceable. If not it may need to be revisited and amended.

It is historically informed

If an organization is not paying attention to past experiences they often find themselves “reinventing the wheel”. It is a waste of time and effort, and money. Using a good policy framework can help prevent repetition as the organization should be constantly reviewing and revising, as necessary, all policies, learning from the evaluations.

The ideas have been tested

Ideas can be tested through “field testing” or “dry runs”. More practically however testing can be accomplished by looking back with a historical view, as mentioned previously. Consultations with staff and others who understand and have better “first hand” experience can also be useful when testing a proposed policy.

If policy implementation is to be effective in the policy outcomes to be achieved it is crucial that an audit of policy be undertaken prior to its implementation using the above 17 criteria as a guideline.

The 17 characteristics of good policy also provide a strong foundation to enable policy to be reviewed and evaluated on a regular basis. It is critical that existing policy be reviewed and evaluated regularly to ensure that is still achieving the policy outcomes, and organisational objectives that was originally intended to do so.

Mark Twain once said, “Few things are harder to put up with than the annoyance of a good example,” and though it seems quite an odd statement on the surface, it’s so very true when we take a closer look. We often hate being caught out by someone else’s stoic example when we could’ve done the very same thing, in fact, we might’ve even thought so. Ah, the itch of regret!

Good examples place heat on situations. They make would-be leaders stand up and take notice, as if these leaders in fact sensed their own inadequacy.

Role models who act according to the strength of their designed role are more of a rarity these days than the norm, so they do stand out. But, then, there are many. We’re all finding ourselves in these roles, and certainly we notice others who act as good examples when they ‘put us to shame,’ so to speak.

The common wisecrack used to be, ‘Nobody likes a smart-aleck.’ And it seems people with good intent are sometimes fashioned as those with bad, certainly in regard to those with a guilty conscience.

But to get back to the original point of Twain’s saying, we know that being a good role model is the way to lead not only others, but also ourselves. For instance, who sees when no one is looking? (Well… we do, of course.)

The good example motivated from without is a good thing, but the good example motivated from within is a great thing, for here we have a welling reservoir of good intent–a self-sustaining spring that promises to go on everlasting.

And this model of “modelhood” not only goes on, it flourishes in many directions. Surely there are few better things than being a good role model. Not only for others, but for ourselves also, this is a model for growth and life.

© S. J. Wickham, 2009.

Nowadays, a lot of young people still have a hard time finding out which career path to take. They usually have a problem with this because their interests and skills set do not match. Or the teenager’s parents or whoever will be financially supporting their college education want them to take a course that unfortunately, they do not like or have an interest in.

In such instances, teenagers can benefit greatly by talking with and seeking advice from career counselors. These counselors specialize in helping point clients, especially young ones, in the right direction of finding the appropriate career path for them. They will assess their clients using certain tests and interviews to get an idea of where their talents or interests lie. After getting the results, they will make the suitable career suggestions depending on the answers the client gave during the testing and interviews.

The right career counselor to go to though should not just be competent in giving out tests and handling interviews. He or she should have certain key qualities and traits that should include the following:

A genuine interest in others and with helping them. A good career counselor should have the drive and energy to sit with people through their best and worst. He or she should be fully present when listening to their clients’ stories, however difficult or long they are. Keep in mind that a good career counselor should always have a sustained commitment to facilitating human-to-human connection and positive transformation.

Good listening skills. Effective listening is a key skill any counselor should have. A good career counselor should not only to listen to what is being said, but how it is said, why it is being said, and what it means in the context of a particular client. The ideal career counselor should also be able to listen “between the lines,” for those things that are not being said by the client. This is because what a client omits from a session can speak just as clearly as what is communicated out loud. In addition, a good counselor should know how to listen without passing judgment or evaluation.

Authenticity and accessibility. Lastly, a counselor should not only be accessible to their clients in order to gain their trust, but he or she needs to be genuine and empathetic as well when listening and communicating with the clients. The best career counselor should be adept at developing a genuine empathetic connection with each client so that the counseling process can move forward and the counselor-client relationship can become stronger and more effective.

Read more useful articles regarding career counseling here.

When spending your money eating out in a restaurant, you obviously expect to have an experience that you normally don’t get at home. You expect to have a wonderful time indulging and enjoying the perfect restaurant surroundings. On the other hand, if you own a restaurant, you want to put in measures that impress your customers enough to make them come back as happy customers who can spread the word and fetch you even more customers. Unfortunately, you only get to know how good a restaurant is by sitting and enjoying the services, but here are some of the qualities that make a good restaurant.

1. High quality food

A good restaurant that values its customers will go to lengths to set high standards with the food quality it offers to the customers. Quality food can actually earn a restaurant good reputation and compel most guests to visit again and even recommend it. The ingredients used and skilled cooks can determine food consistency and every guest should have their food served as they order. When comparing restaurants and you are particular with food, consider what other guests have to say about the quality of the food to expect at the restaurant.

2. Impressive overall experience

Another quality that makes a restaurant good and you should consider when finding a good restaurant is the overall experience. How interactive and friendly is the staff? Is the environment clean enough to your liking? Are the servers competent and how fast do the arising issues get to be resolved? Customer satisfaction should be the most valuable to management and hence everything possible should be done to ensure that you have the most pleasant experience every time. Restaurant reviews can help you determine how good it is in ensuring that customers get nothing but the best.

3. Good management team

The management team plays a huge role in how the restaurant is run and should ensure that customers are satisfied. What measures has the management put in place to smoothen the running of the business? Is the staff supervised in terms of service delivery and customer handling? A good restaurant should actually have an active management team that knows how to handle issues as they arise. As a customer, you also want to know that you can get support and help with anything that you could need while in the restaurant and have your pleas listened to and solutions offered.

4. Uniqueness

When looking to have a good time at a restaurant most people tend to look at what makes it different and worth trying. Is it that it offers fresh ingredients daily? Is it the cooking styles that makes its food unique or does it have a secret recipe that is worth trying? A good restaurant should at least have something that sets it apart from the rest. Find out what special thing you stand to enjoy from the restaurant and make sure that indeed you take the time to enjoy it to have a memorable time.

A good body crème should be able to bring out the best in a man or woman in terms of beauty, elegance and grace.

A good body beauty crème must contain exclusive herbal extracts and other natural ingredients that will provide relief from any pain or discomfort caused as a result of conspicuous spider veins, cracky/scaly, oily, sensitive, tough, dry/scaly, spongy and/or dimpled-looking skins, wrinkles and fine lines, red blotches and broken capillaries etc.

Hence, it must the following attributes/qualities/benefits:

• The appearances of spider veins must be reduced to the barest minimum or eliminated completely;
• Red blotches and broken capillaries must disappear from the body;
• The usual color changes of the skin will be reduced;
• Swollen ankles and feet must be relieved as a result of the application;
• There should not be any existence of muscle cramps, if any;
• There will be immense relief from heavy legs

Applying crème /lotion to a woman’s skin in order to have the maximum effect requires tactics. When a man or woman applies the body/lotion immediately s/he is out of the bath or shower, the crème will have the maximum effect on the body. Why? Because the body is still fresh from the cooling effect of the water spray and applying the crème before the body becomes dry fully will incorporate the lotion into the body. As the internal body heat is returning the body skin back to the normal human temperature, the applied crème/lotion will be getting heated into the body pores and cavities and thus do the required work.

Skin disorder such as Eczema will be treated to make the skin recover its perfect condition;

Dry skins will become rejuvenated. Not only that, those skins that are cracky/scaly, oily, sensitive and tough as a result of maturity or some other factors will experience a new rejuvenated appearance. The vital components in the crème/lotion (e.g. ferments, ionizing sea salts, antioxidants etc.) induced in the crème will protect the skin from the harsh conditions of weather/climate and make the skin become rejuvenated with the perfect clarity and radiance to the skin.

However, a good body crème/lotion:

• Must not be the one that will clog your skin pores;
• Should be able to terminate the appearance of wrinkles and fine lines;
• Skin-wise, you should be feeling a lot better and proud of your appearance;
• Should be able to moisturize your skin such that you stay young-looking and your skin remains beautiful and attractive;
• Constant application of a good body crème/lotion will make you experience comfort on your skin as your skin will be feeling skin-silky and soft.
• A good body lotion/crème is for all human being who desire beauty, decency, comfort and happiness. Either you are a man, woman, baby, youngster or an oldster, you are expected to apply a decent body crème to your skin for the required maximum effect: soft and silky skin, nice body tan, decent appearance, your partner’s satisfaction etc.
• You experience the feeling of being nice, energized and satisfied when you apply and see the outcome of the body lotion/crème because of what it does to your body by:

• Hydrating your sensitive, dry/scaly, spongy and/or dimpled-looking skin;
• Protecting your skins from germs, bacteria, viruses and/or any skin ailments and diseases;
• Smoothening your skin by removing all appearance of wrinkles and fine lines, NOT clogging your skin pores;
• Assisting in improving your blood circulation and hence reducing the tissue pressure of your body;

IMPORTANT NOTE: Always make sure that your skin lotion/crème does not get into your eyes. ALWAYS PROTECT YOUR EYE. Skin lotion/crème is NOT an eye drop/lotion!

“The key is to get to know people and trust them to be who they are. Instead, we trust people to be who we want them to be and when they are not, we cry.” -Anon

I hear it so often, “But what happened, it was so good in the beginning?” Duh! What happened was reality set in and now you’re getting a glimpse of the “real” person that emerges. Of course it’s always good in the beginning! The person has their best foot forward and they want to make all the right moves. It’s new, it’s exciting, it’s all about the exploration phase.

Then the truth unfolds right before you very eyes. Sometimes the relationship sustains a good steady flow. You may have minor little things occur but they pass with ease. Or, on the other hand you may see Red Flags whipping you in the face and you choose to ignore them and make excuses for them.

If you are in a relationship and it hasn’t been all that long and you are seeing signs of things that make you feel bad or hurt your feelings, run for the hills. It is way too soon to be on the receiving end of little jibes, hurtful comments or inconsiderate behavior. If this person feels so bold as to let you have it now, what will it be like four years down the road?

Don’t let the fun and newness loll you into a false sense that this is the perfect relationship. You don’t just give your heart to someone without knowing that you can trust them with it. People need to earn your trust. When you start to see telltale signs of disrespect or anything that gives you the creeps learn how to protect yourself by realizing that they just went from being hired for the position to now being monitored on a trial basis!

Always remember one thing; actions speak louder than words and never forget it. People can be great at giving you lip service but when it comes time to deliver they fail miserably. They can convince you they are sorry but when the same behaviors continue with no relief, sorry just doesn’t get it anymore.

It’s up to you to tell yourself the truth when the truth is staring you in the face. If you choose to hide your head in the sand or make excuses, be prepared to live with the consequences. You have the ultimate say as to whether someone is worthy of spending time with you or they just don’t quite make the cut.

Don’t let your desire to have a relationship outweigh having one with someone who isn’t worth your time. If you are in love with love and desperately wanting to be with someone, when the wrong person enters the scene you might not be able to see straight for all you will see is the relationship and not the person.

So if you find yourself in the beginning of a relationship and things are going good, keep on the path. If not, make sure you choose wisely because it’s easier to get out now with less time invested than wasting a whole lot of precious time with the wrong person just because you wanted a relationship, regardless if it is good or bad.