Today’s mortgage borrower is the most suspicious and distrusting in decades. With the turbulent times and all the negative media of today’s mortgage industry, borrowers are wary of the intentions and integrity of mortgage originators. However, their needs to refinance, get cash, consolidate debts and purchase homes are just as real as always. So how do we build the borrowing publics’ confidence back? Be up-front, real, and honest with your borrowers.

There are several questions that are running through the minds of borrowers today. Questions like:

• Is this person out to help me or just themselves?
• How can I be sure this person is going to get me the best mortgage program?
• Can I trust this person?
• Is this person looking out for both my short and long-term best interests?

All of these questions can be resolved quickly if we are prepared with an opening presentation that addresses these concerns. The key is doing it right up-front. Remember, “You only get one chance to make a first impression.” This happens in the first 30 seconds. We either establish or lose our credibility in that critical opening. Let’s look at an opening presentation, step by step, that is perfectly suited for today’s market environment:

Step 1 – Address Media Coverage: “Mrs. Jones, I am sure you have seen all the recent negative press about the mortgage industry. There has been lots of media coverage about climbing interest rates, the impact of adjustable rate mortgages, foreclosures and the integrity of the mortgage industry itself. This has led to distrust towards mortgage professionals and concern for many borrowers as to whether this is a good time to be borrowing. I am sure you have questions in your mind, also. Let me begin by addressing these concerns up-front and showing you why I am the right person to work with.”

Step 2 – Address Market Conditions: “The majority of the problems we see today originated in the “sub-prime” sector. And although these problems are real, this sector represents only 10 – 20% of the entire mortgage market. We do not provide the types of loans that caused these problems. As for rates, although they have increased, there are still excellent rates out there. As for the concerns about integrity, although there were many who were guilty of dishonest and improper lending practices, we have done, and continue to do, business with high integrity. That is why we are still around today.”

Step 3 – Credibility Statement: “My commitment to you (and your family) is to help you find a mortgage loan that not only has an excellent rate, but also provides benefits beyond my competition. This includes getting you the best payment for your loan, at the best term for your long-term goals with the ideal amount of cash, and the greatest tax benefits. I will do this by providing several different options from several different lenders to give you the power to choose the best program for your situation. I will also show you programs that help you in both the short and long-term. Lastly, I will demonstrate my integrity through my actions, not words, by my service on your behalf. “

Step 4 – Guarantee: “Here is my guarantee: if at the end, you do not feel I have earned your trust and confidence and have not proven to you that I am the best loan officer to work with, I will expect and encourage you to work with someone else. I am confident that this will not be the case. Now, all I need is 20 to 30 minutes of your time, at no cost or obligation, to prove this to you. With your permission, I’d like to get started.”

Does My Ex Want To Get Back Together

Any communication from your ex is a good sign, especially if they are talking about the good times you have enjoyed together. If your ex has completely abandoned all thoughts and desires of ever reuniting, you are not going to hear anything at all from them. Your ex definitely has good feelings about the past, and it is quite possible they are thinking about starting up with you again, but you will have to go about it in the right way to insure success.

Avoiding The ‘Just Friends’ Trap

Should you be friendly with your ex? Yes of course you should. Should you be friends with your ex? Be careful here, there is a huge difference between being friends and being lovers. While two lovers are certainly best friends, it is a far cry from being the dreaded ‘just friends’ relationship killer. And that is just what it is, we all have friends that we hang out with but have no intention of it being anything else besides friends.

You need to stimulate their emotional trigger buttons. The ones that make that gut level emotion called sexual attraction towards you irresistible. These emotional triggers are quite different in a man or woman. Rule number one, never show too much interest or look desperate, wimpy or clingy. Stay strong, remember you are not their personal slave, you do not have to come running whenever they click their fingers. Be a little too busy to spend a lot of time on them, keep your ex guessing about what is going on in your life.

People desire what they can not have, so you should be playing a little hard to get, without overdoing it, keep the ex guessing and curious about you. Giving excessive compliments about how good your ex looks, and being very attentive to them removes all the mystery, because they know they can have you back anytime, and their interest will wane.

Talking Together

Go back to being the person you were when you first met, sprinkle some light teasing and banter into the conversation. You want to get back to that special kind of rapport and chemistry you had. Recreating the chemistry between the two of you will set off in their mind the possibility of becoming a couple again.

Be a flirt. By Flirting you are letting him or her know that you are interested, if your ex is flirting back things are on their way back to rekindling the romance. Keep things light and easy, your ex is already recalling the times you had together, all that is missing is getting back that special feeling too.

When talking try just a light touch of the arm or hand, initiating physical contact lets your ex know definitively that you are interested. But be careful and watch the reactions, if your ex draws away it is not time yet, if your ex is fine with it, or even better touching back, it is almost time to seal the deal.

There is an interesting book that explores just how to go about recreating the romance by analyzing the interactions between you and your ex, and how to go about triggering their emotional buttons. There are some psychological techniques you can learn to have your ex almost begging to come back.

You want to know how to use this almost unfair advantage to get your ex back and make it permanent? Learn more about this Valuable Information now.

When it comes to military self defense, people have this idealistic notion that we should only use our fists and legs and ignore all else. This is all well and good in theory, but do you really think that the average thug cares much for chivalric ideas or fair play? Get one thing straight, once someone attacks you they waive all rights to a fair fight. In the streets, it is hurt or be hurt and the only thing that matters is getting home safe. Besides, when someone is endangering your very life the last thing you should be thinking about is whether you should use a bottle in self defense.

This is not to say that you should be carrying around knives or guns. If you use either even when attacked you will have a hard time explaining your actions to the courts. It is best to be smart and elect to use a non-lethal weapon so that you can win the battle but not go to jail. Even something as simple as a baton is extremely effective. The problem is that you need to know how to wield it which takes practice. Although it is an excellent self defense weapon, failure to utilize it properly could see the thug take it off you and use it to their advantage. Therefore, don’t swing wildly with it. Instead, use it to jab hard at their knees or ribs. A solid connection is virtually guaranteed to take the fight out of them.

If you feel that a baton is too big an object to carry with you, there is always the option of pepper spray. They emit a foul chemical into an attackers face causing them temporary blindness which allows you to easily make your escape. They are one of the most popular women’s self defense products because of their ease of use and the fact that they are easily concealed within a handbag. The effect of the spray may take a second or two so be sure to get out of the way of the thug’s wild swings after you sprayed him. It may not be wise to use this item in windy conditions as this could reduce its effectiveness.

Stun guns are an even better way to halt an attack. They can be carried in a wrist strap or down by your waist like a regular gun. Clever designs ensure that it has the appearance of a cellphone in some instances. While advocates of strongman military self defense may be opposed to it, the prongs on the end of the stun gun are used to fire out 100,000 or more volts right into an attacker’s body. This shock messes up their neurological system rendering them immobile for several minutes.

Don’t listen to anyone who speaks out against self defense weapons. They are the most effective way to survive an attack which is your only objective. They are especially useful if confronted by a gang of hoodlums. While you also need to learn close combat training moves, you should always have a non-lethal weapon by your side just in case.

The Golden State Warriors are the winners of the 2017 NBA playoffs. One of the team’s most popular players, Stephen Curry is contributed with helping the team reach victory. No doubt fans across the world are interested in everything the player does; however, many are unaware that Curry uses float therapy as a way to help his body recover from basketball season.

Curry isn’t the only athlete that utilizes float therapy for recovery. Tom Brady of the New England Patriot and countless UFC fighters all use sensory deprivation chambers as part of their training and recovery. Increasing numbers of professional athletes of all levels are now turning to this alternative wellness to help their bodies recover faster. Why does float therapy have such a significant impact on recovery times? Let’s discuss the science behind it and how the sensory deprivation technique can help improve recovery time.

Physical Recovery with Floatation Therapy

Float therapy essentially combines two widely known recovery techniques, Epsom salt soaks and meditation. For years, Epsom salt baths were used to heal the body of aches and pains, while meditation was used to heal the mind.

Float therapy magnifies the benefits from Epsom salt baths and meditation alike. When someone enters a float chamber or tank, their senses are deprived. Also known as sensory deprivation, because you’re enclosed in a tank or isolation chamber that is free from any outside distractions. This includes light and sound. This sensory deprivation makes it easier for a person to enter a meditative state.

The water used is in a float tank is filled with a thousand pounds of Epsom salt (magnesium sulfate). Only a few inches of water is used, making the salt concentration extremely high. The high salt concentration allows the body to float effortlessly.

Athletes have been soaking in Epsom salts to ease sore muscles and stiff joints for years. Floating in an isolation chamber only works to increase the effectiveness of this well-known technique, making it effortless with more benefits.

Recovery Benefits of Floatation Therapy

It has been established that float therapy aids in the speedy recovery of sports injuries, aches, and pains. The following are other benefits that float therapy provides for physical recovery:

-Reduces muscle fatigue

-Improves blood flow and circulation

-Reduces stress causing cortisol levels

-Reduces inflammation

Even if you’re not a professional athlete, your body can benefit from floatation therapy. Have you been a car accident or suffered a work-related injury? If so, float therapy can be used to help speed up your recovery time.

One solution in tough economic times is to “do more with less.” That’s what productivity improvement is all about. They used to call it “more bang for the buck.” And with fewer bucks to go around, managers are looking to productivity improvement to help them cope.

A QUESTION

Would you rather have twenty employees producing 1,000 “widgets” a day or ten workers producing seven hundred and fifty?  The answer is pretty clear. While the twenty employees are making 50 units each, the ten employees output, at 75, is 50% greater!  This can mean the difference between loss and profitability; between survival and failure.

THE FORMULA 

The productivity formula is a simple one: P=O/I.  Productivity = Output divided by Input.  The more input required to produce something, the lower the productivity.  Conversely, more output realized from the same or lower input results in greater productivity.

MEASUREMENT

The first key to productivity is measurement.  The manager must know what the employees are doing.  What are they supposed to be producing?  Admittedly, this can be more difficult than it seems. Employees produce something. Is it reports, customer contacts, completed service calls, product sales, etc.? Frequently it is several outcomes/deliverables. Determine the basic outputs for each employee. This will require some analysis and thought, as what the employee is currently producing may not be what they should be producing.

STANDARDS 

The second key is establishing “standards.”  Once we know what the employee should be producing, how much of it should they be producing, and in what time-frame?  Establishing standards is essential and will enable some measure of control and evaluation. 

BENCHMARKING

Can you compare what your employees are doing with what other employees are doing in similar companies within your industry?  If so, your task is easier.  You will be able to make comparisons.  This factor alone will provide some objectivity to the process. Sometimes these reports cover only a few types of jobs, and do not take into account all of the unique factors of your particular environment. In any event, adjustments will be required.  However, you will have meaningful starting point for this part of your analysis, and industry comparisons provide useful leverage in dealing with employees.

EVALUATION

The data which you have secured thus far must be analyzed.  Tweaking the criteria, measurements, standards, data collection procedures and reporting will be necessary.   If the outcome is not what you expect or need, and it cannot be adequately explained by system deficiencies or measurement difficulties, then you must take action.  For example, if your workers are 15% below the industry average, why?  If they’re twenty percent above, why?  If they’re “right on,” why?  Your analysis should include what you may be doing “right,” as well as areas that cry for improvement.

IMPROVEMENT TARGETS 

When your monitoring system is in place, and you’re satisfied that you’re measuring the right things, measuring them accurately, and you have an ongoing capability to do this-it’s time to consider improvement targets.  The concept of “continuous improvement” is based on the premise that “nothing is perfect,” and there is always room for improvement.  You will need to establish moderate, realistic, attainable targets.  Remember the S.M.A.R.T. goal-setting criteria.  Goals need to be: Specific, Measureable, Attainable, Realistic, and Timely.

CONSISTENCY 

You’re not done yet. Successful organizations not only implement the above steps, they consistently apply these principles, techniques, procedures, analyses, and processes aimed at creating a more productive enterprise.

DON’T FORGET QUALITY

Yes, productivity is important, but not at the cost of sacrificing quality.  Shortcuts can be taken, processes streamlined, more “widgets” produced, but quality standards must be maintained. 

A reputation for low quality will quickly negate any cost efficiencies realized through productivity gains. 

WHY IS THIS IMPORTANT? 

Productivity improvement may be more important at this time than at any point in recent history.  Current economic conditions necessitate cost reduction to maintain profitability.  However, many companies are using a “meat axe” approach to the problem.  They are cutting the payrolls by laying off employees.  Sure this reduces costs, but without a more methodical approach, any long-lasting gains may prove elusive. 

Tough times call for tough measures, but productivity management is simply a good business practice that is more important now than ever.

Copyright ©, 2008, Dr. Ben A. Carlsen, MBA. All Rights Reserved Worldwide for all Media. You may reprint this article in your ezine, newsletter, newspaper, magazine, website, etc. as long as you leave all of the links active, do not edit the article in any way, leave my name and bio box intact, and you follow all of the EzineArticles Terms of Service for Publishers.

During the 1500’s there were many games that were created to pass the time. Most of the games chosen were outdoor games also known as lawn games. One game that was created as an indoor game was bumper pool. It is believed, that bumper pool is a table version of the game croquet. Like croquet, your goal is to get your ball to the other side of the field before your opponent. The game of course has obstacles in which you have to get by and then on to the finishing line. As with bumper pool you have obstacles in which you must get around and in the end get to the finish line at your opponents side of the table. 

The game originated in Europe and is known to be played mostly in France. The bumper pool table is shorter than a standard billiards table, this helps with those wanting to enjoy a table game but don’t have enough space for a standard size table. Although the game is more commonly found in Europe, it is not uncommon to find the game among the New England states. Many people will call the game Snooker, which is actually a different game but also played on smaller tables. Although the game of bumper pool has not picked up in popularity like that of standard billiards and the game snooker, it is still equally enjoyed by many people. 

Now that the history of billiards has been explained it is time to delve into the meet of the subject of bumper-pool. No one is quite sure who developed the concept of bumper-pool or when. It is still one game that has a lot of hidden mysteries to discover. 

A bumper pool table can come in different sizes to fit almost any space for those who want to enjoy a game of billiards. The playing field of the bumper-pool tables consists of 2 pockets and between 12 and 16 bumpers. The number of bumpers is determined by the size of the table. For the smaller tables there are 8 bumpers in the middle and then 2 on each side of the pockets. As the tables become larger, you have more bumpers added to guard the pockets. There are a total of 10 balls used in the game of bumper-pool, you have 5 red and 5 white. One ball of each color is marked with a spot in the opposite color. This is typically the ball in which is used to start the game. 

The bumper pool tables can be found in two different shapes. Many people may think that the standard rectangle is all that can be found. This is not so, you can also find octagon shaped bumper-pool tables. This style of table is typically found with another game. The popular game of poker is the top portion of the octagon tables. The tops can be found in different variations from a felted or leather top to a nice wood finish. You can find pockets carved into the tops for poker chips and cards to be held. When the top is lifted you find the surprise, bumper pool. 

To play a game, each player takes a turn at making an initial shot into their opponents pocket. If someone makes a shot then that person starts the game. Turns alternate from there. Typically, most tables come with a set of instructions to help beginners get a full understanding of how the game should be played.

We all know the saying, tough times don’t last, but tough people do. Well, I keep hearing (and occasionally saying) that times are tough, and I figured it was time to ‘cinch the belt in a little’. Due to a confluence of events, I find myself looking for ways to save a little more and spend a little less (just like the good old days), so I am writing this article as much for me as I am for you!

First, in offering full disclosure, the confluence of events… My wife and I were blessed with our second son on May 10th, 2007; while definitely a blessing, he also adds to our cost of living. I quit my JOB in December 2007. Just prior to that, times were good, so I bought a big new house and a big new truck. Despite a large down payment, the house still carries a large monthly mortgage. The real estate market is doing worse than the economy overall, and the combined value of my real estate holdings has dropped quite a ways (meaning smaller paydays if/when I sell any of my existing properties in this real estate market). Last, but not least, I recently purchased two fixer upper single family houses, and we are trying to finish up one while we do the early stage repairs on the other… So the ‘cash cushion’ I kept on hand is tied up in the purchase and repairs of those two houses.

Second, with that out of the way, some pain free ways to save more and spend less… If you have not shopped around your automobile insurance in the past 1-2 years, now is a good time. I am not saying settle for a low quality insurer, or for less than adequate insurance, but I am saying keep your insurer honest by making sure you are getting your money’s worth. Many people are surprised by the fact that the same two insurance companies, offering the same insurance coverage, two years apart, may flip flop completely in their rates… I have experienced it personally. Also, if applicable, you may shop around other insurance, such as life, health, disability, etc. You may save money without any sacrifice! Are you on a cell phone plan that makes the most sense for your usage (I know someone personally who should be on an unlimited plan, who continually spends a fortune on overage minutes – WHY?)? 

If your electric bill is high, Lakeland Electric does FREE energy audits. Maybe you know about some things you aren’t willing to do right now, like upgrade to more energy efficient appliances, but maybe there are also some cheap, easy ways to reduce your electric bill significantly that you haven’t thought of. If you have a sprinkler system, is it off during heavy rain periods? Do you heat and cool your home sensibly (for instance, I heat to about 73 degrees in the winter, and cool to about 77 degrees in the summer; a 4-5 degree swing should not result in any real discomfort, and if a bigger spread doesn’t bother your family, even better)? How about giving yourself a financial check-up? Are all of your investments, evaluated individually, doing well, and do they make sense? Do you know what you are invested in, and how and why it should make you profits? Likewise, if you borrow, do your loans make sense? 

Could they be structured better, have better rates, etc.? Especially if you carry a balance on a high interest rate credit card, can you get it reduced somehow? I know I am constantly bombarded with zero interest rate for X amount of months credit cards that might help. As an example, when I have a loan I plan on paying off in full in the next year or two, I get a zero interest for eighteen months credit card, pay off the loan with it, and now my entire payment pays down principal instead of part going to interest. Are you one of those people that pays bills late for whatever reason, thereby incurring late fees, penalties, higher interest rates, etc.? Figure out what it takes to get and stay current, and the savings alone will help keep you there. If you tend to spend more when you use a credit card instead of cash (which most people do), chuck the credit cards. If, on the other hand, you have a high level of self discipline, then use no fee, high rewards credit cards, charge all of your normal expenditures, pay the bill in full every month, and rack up rewards (I do this and my business earns my wife and I nice meals out). 

In fact, since I am rehabbing two houses, I redeemed over $200 in Discover cash back bonus awards this past month. If applicable, improve your credit scores so any future borrowing will get cheaper and cheaper (better rates, lower fees). When it comes to tax time, are you getting all of the deductions you are entitled to? Many people intentionally don’t take income tax deductions they are entitled to because they think it might cause an audit; little side bar here – as long as you aren’t doing anything ‘wrong’, the audit will probably hurt less than the money you are throwing away (in the rare event you do get audited)! Here is one I have found saving me a lot of money recently… When I see something in a store I ‘have to have’, I wait and research it on-line later. Two benefits – first the urge to spend often goes away, thereby cutting out the expenditure altogether, and second, I find almost everything I research I can buy cheaper on-line than what I would have paid in the store (yes, even including shipping and handling). 

If you eat meals out a lot from the JOB, can you save money by packing a lunch more often? Something I find my family guilty of quite often – we throw away perfectly good leftovers while we eat out or prepare something more appetizing. Three solutions quickly come to mind – one, eat the leftovers; two, freeze the leftovers for later; three, prepare smaller meals. If you have the time and inclination (I don’t), plant a garden. Do you make sure to bargain shop, and take advantage of sales on things you know you will use anyhow? And, on the opposite side of the coin, avoid buying junk you don’t need at all just because it was on sale! 

Do you clip coupons, actively look for sale prices, etc.? While I think exercise is great, and I actively exercise myself, if you are one of those people who has an expensive gym membership, and only goes to the gym twice a year, get rid of it. Here is a fun, easy way to save a little dough – my wife takes my kids to the library almost weekly, and they not only get all the books they can read for free, they even get a bunch of kid’s movies on DVD! With the popularity of cell phones these days, I know many people that have done away with their land line because it was wasted money. Last and definitely not least, the old adage, Pay Yourself First! ‘If you pay yourself last, you will never do it. If you pay yourself first, you will never miss it.’ These are all things that, with just a little front end work, can help you save more and spend less without any sacrifice to your lifestyle. Next, on to the things that might hurt a little…

Third, ways to save more and spend less where the terminology ‘no pain, no gain’ applies… These you will feel a little more. Depending on how bad you want to reach your goals, how bad your financial situation is, your time constraints, etc., let’s start with the extreme – can you work more hours, get a second job, start a part-time business (even if temporarily to get over the hump)? Perhaps a stay at home spouse can pick up some work from home? In this economy many stay at home parents watch extra kids for friends or family, allowing one family to make extra money (babysitting) and allowing the other to save extra money (cheaper than daycare). Maybe private school or home schooling needs to be replaced by public school, even if only temporarily while times are tough? It isn’t for everyone, but I know one couple that happily rented out an extra room in their home for a long time. 

Consider a smaller, cheaper, more fuel efficient car, now or the next time you car shop (yes, as mentioned previously, I failed miserably in this category). While on the subject of vehicles, most of you are probably already combining many errands into fewer trips and avoiding unnecessary driving these days. Are you making the most of free entertainment at home? Have a brainstorm session with your family of all of the fun, free or cheap things you can think of to do at home, and then implement the favorites and save the cost of travel and entertainment out. 

Most Americans can save some money by eating out less, and personally I know when I cut back on soda and drink more water my body and my wallet both appreciate it. If you routinely drink coffee at Starbucks, or drink alcohol at bars/restaurants, besides the moral issues, let me kill you now for what you spend per drink! Ouch! And I won’t even get started on cigarettes/tobacco. Last, here is the thing everybody hates to do – create a budget! First and foremost, spend as you normally do, and track every penny for at least a couple of months… and find out where your money is really going. If you can make yourself do it, continue to keep track of expenses for a full year, so you are sure to include once or twice a year expenses like holidays, birthdays, insurance, taxes, etc. Nine times out of ten, there will be some expenses that are shockingly high, and you will know where to look to stop the bleeding.

This article is just to whet your appetite, but if you got some helpful hints out of it, and or you want more of the same, search the internet for some sights on saving money… I know I stumbled across some when I was looking for personal finance information not too long ago, and I saw some good tips, as well as some that I would never recommend… I will share a few since that may be good for a chuckle… Reduce showers to once a week (save on hot water, shampoo, soap, and probably dating, for those of you who are single!). Train your pets to use the toilet. Go around early on garbage day and gather what you need from what others throw away (I guess they do say one man’s trash is another man’s treasure – LOL). Become a vegetarian – it is a cheaper lifestyle (I know meat can be expensive, but that seems extreme to a meat and potatoes guy like me!). Anyhow, enough of the extreme!!! Best wishes everyone, and hopefully I will see you… on the other side of the rainbow (you know, where the pot of gold is)!

It’s the dream to end all dreams, and making a woman orgasm three times in a row is one of the most coveted sexual activities a man can ever encounter. Obviously the woman is not complaining either when it comes to having three orgasms yet to put it in plain terms, being able to create such a sexual fountain of orgasmic activity doesn’t come along every day. First and foremost a man should pat himself on the back for being able to excite a woman to the point that she even has one orgasm! Two orgasms and you are in the Orgasmic Hall of Fame right next to such greats as John Holmes and Rudolph Valentino. Three orgasms and consecutively at that, and you my friend are what’s referred to as royalty in the bedroom.

Revealing her True Animalistic Nature

A woman desires an orgasm just as much as a man does during sex. Revealing her true animalistic nature along with a wonderful sweeter side that us men just do not possess, is a combination that makes women some of the most dazzling- creatures on planet Earth. That’s enough of high-fiving and shaking hands and passing out cigars as there are still many men who have yet to offer a single woman a single orgasmic encounter. Sad and depressing as that may be these men need help and this is where a great educational adventure will begin.

Pre-Planning and Extreme Concentration

In order to make a woman orgasm three times consecutively during one sexual encounter pre-planning and extreme concentration must take place. The questions that must be answered and expeditiously at that concern the lovemaking quarters, lubrication and plenty of liquids. A refreshing beverage will have to be supplied as orgasms and sexual encounters dehydrate a woman to no end.

Not only will you be seen as the man that can give her three orgasms but the care and concerning type as well who not only wants to have sex with her but wants to make sure she is comfortable and well-hydrated. If this woman is not your wife for girl-friend she soon will be your girlfriend and as girls will talk you always want to make sure that the talk is pro-U. The normal method in which to make sure that only good-talk is forthcoming is by do not making any stupid comments while in the company of her and her friends or family and most definitely when it comes to the bedroom activities are spot on in both sexual and orgasmic realities.

How to Make a Woman Orgasm Consecutively

While these lists would be almost too plastic and unfeeling and as a matter of fact way too easy to do right now, it is best that we talk a little bit about how to make a woman orgasm consecutively three times in a row. The main concern here is the first orgasm as without that the number two and number three will just not exist. Start off with the traditional foreplay yet look into her eyes and even tell her that tonight you feel so much for her that you are about to explode.

The love and respect that you have for this woman needs to exude off your body like radiant burst of love filled laser-beam’s aimed directly at her heart and soul. After orgasm number one is in the bag it is time to move onto two and three and these can be had in the exact same manner as number one yet stamina and persistence and concentration plus plenty of liquid refreshments to keep you hydrated are mandated requirements. Good luck in the pursuit of orgasmic wonderland and remember this is not work this is pure ecstasy for the man as well as the woman.

Neptune, I would say, is the most misunderstood planet. Some would refer to it as the planet of spiritually, and mysticism. I, on the other hand, refer to Neptune as the big deceiver that turns us into con artists and illusionists — that have to pay the piper when Saturn comes around to get into the game, like now.

I have found that as Neptune goes retrograde its veil of deception begins to crack, and when it goes direct again the emperor’s new clothes are revealed and this scammer stands as naked as a jay bird. Neptune had gone retrograde June 3rd two days after a solar eclipse. It’s clear to see Neptune at work as a new can of worms has been opened with the Wiener photo scandal.

Previously an individual had a certain amount of anonymity on the internet. Now, with face book and twitter what you put out there comes back to haunt you big time.

Before I go forward with this, I want to take you back to April 23rd when mercury went direct opposite Saturn. Until Mercury goes retrograde again in August, we are living under the influence of Mercury/Saturn. Look at all the scandals that came to light since Mercury went direct: Dominigue Strauss-Kahn, Arnold Schwarzenegger, and now as Neptune was going retrograde, Anthony Wiener.

On Sunday June 12, Saturn will go direct and the cosmic bill collector will be out, demanding payment for unwise deeds done and wise deeds left undone.

On June 1, we had a solar eclipse at 11 Gemini 02, Venus/Kronos was midpoint Pluto and Uranus, and Hades was only minutes away for 0 cardinal. The world heard about a very narcissistic political leader who had aspirations of becoming the next Mayor of New York City. He sent pictures of himself on twitter that had sexual overtones. What makes it so funny is that he is funny! I guess that is the Neptune station retrograde. Then Saturn stations and he gets slapped down because this solar eclipse squared the midpoint of his Sun Uranus and semi-squared his natal Venus, and Neptune stationed retrograde conjunct his Saturn. This person is Anthony Weiner and his birth date is September 4, 1964, Queens, New York, time unknown.

As Saturn will go direct at the midpoint of Mars and Admetos, there will be a decrease of work. Many projects come to a standstill and the unemployment numbers should go up again. It also means your actions are etched in stone especially since Saturn is going direct with Hades on the cardinal axis. Hades on the cards means your dirty laundry is flapping in the wind and will be talked about for a very long time. On the day Saturn goes direct Mercury will be conjunct the Sun and the midpoint between Saturn and Sun Mercury equals the Moon. This combo says face it, the gig is up and take your lumps. The public will not be able to close their eyes to what is going on any longer. And, if the public wants things to change they will have to speak up.

Then, on June 15, three days after Saturn goes retrograde we have a lunar eclipse of 24 degrees 23 minutes of Gemini/Sag. and semi-square Poseidon. After what had come to light this past month or so many couples will be looking for insight into their relationships to see if there is any hidden signs of trouble. At the same time Hades will be on the cardinal axis 22-1/ÂŽ2 to Venus, as Hades cardinal axis is midpoint lunar eclipse and Kronos. There will be more sexual secrets coming to light that will be used against them at the appropriate time. This planetary picture also indicates sex crimes are on the rise due to police cut backs.

On July 1, we will experience another solar eclipse at 9 Cancer 30 squaring Saturn with a tiny degree orb, and this Saturn will be 135 to Anthony Weiner’s Jupiter. He most likely lost his bid to be Mayor long before the candidate process starts.

On a more mundane note this solar eclipse will be 22 1-2 to the midpoint of Mercury and Venus. It is summer vacation. At this time, many will be making party plans for the 4th of July weekend. My suggestions to you is keep the costs down as the Pluto/Uranus midpoint will be the midpoint of Saturn and the cardinal axis, as Pluto will be midpoint Saturn and Hades. The financial picture will be unstable, and if not careful and you give into your urges, things can turn out ugly – as the Venus/Uranus midpoint will be Hades. Then, ten days after the solar eclipse, Uranus will go retrograde, and the Uranus Pluto midpoint will be at the midpoint of Saturn and the cardinal axis. On July 13th Venus will be squaring Saturn, with a bad financial picture as Mars will be 135 to Neptune. This planetary picture indicates financial losses due to some destructive deceptions. On the morning of July 15th, there will be a full moon at 22 degree 28 minutes of Cancer/Capricorn, which is on the cardinal axis. In the evening of the same date, Mercury will be semi-square Uranus. Something weird will hit the airwaves. I think hurricane winds will blow. It looks like we will have a very intense hurricane season – and that it will start early.

One thing for sure is, we will be experiencing the Chinese curse, which is; “May you live in interesting times”.

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