As we go through life, we are always learning, gaining new knowledge and experimenting with new experiences, though unfortunately some don’t realise or understand the potential of our minds. Many curse their lives because they are dull, non-stimulative and always wonder why they can’t get that promotion or attractive partner - well, I can only sum it down to two important words:
Personal Development

Successful people always regard personal development (PD for short) in high regard, yet we still disregard it, why? Well that’s pretty simple to answer. We grow up in a society that has such a strong emphasis on education, we forget that we’ve learnt from ourselves for many, many thousands of years previously, and that’s where the true knowledge and power lies, within ourselves - we don’t get taught this, only ‘what they want us to learn’. The more we experience, the more we absorb and hopefully the more we learn; you can learn anything, it’s a matter of using it to YOUR advantage, not someone else’s.

There are many books on personal development and how it can help you grow your mind, think clearer and produce more innovative ideas, however until you have the urge to experiment with your mind and allow it to develop into something much more, I’m not sure if you’d go ahead and read a book or two.

As our actions come from thoughts and them from deep inner feelings, we need to have the urgency inside ourselves in order to make a action. If you’re in financial trouble and I said to you, “You can become wealthier just by reading a few books” - would you be interested? Of course, because money can bring a lot of new and exciting feelings, not to mention safety and necessitates like food and shelter. But until we have a wiliness to change, be open to new things, we will still work that job 9-5, pay our bills on time and feed the animals at 5pm every night.

However I could ramble on for hours discussing the importance of personal development but I would assume once you leave my website, this will be already lost into your sub-conscience until it’s required for a particular moment in your life, and it will be that day, you’ll realise you’ve been given a chance to succeed.

“Our moral responsibility is not to stop the future, but to shape it… to channel our destiny in humane directions and to try to ease the trauma of transition.”
- Alvin Toffler
(courtesy of squarewheels.com - http://www.squarewheels.com/content/persgrowthquotes.html)

After the recent incident of an Iraqi Journalist throwing shoes at President Bush last Monday, 15th of December, a developer by the name of PopJam released a funny interactive game titled “Sock and Awe!”. The aim of the game is to throw as many shows at President Bush within the specified time limit, using your mouse to move the shoe left and right and clicking to throw.

It’s a very quick game and really is just a novelty type of thing, you wouldn’t play it for hours unless you felt some ridicioulous desire to haha. You can play the game by visiting the website below:

Sock and Awe - http://www.sockandawe.com

Fathers 4 Justice - f4joz.com (F4J) has shown an interesting article from News.com.au regarding the new proposed Australian Internet Web Filter, which simply put, will strip the last source of freedom from people and with reduced speeds of up to 25%. I’ll make it easy, just think of your web page loading a few more seconds later or your downloads a few more minutes later…now times that by a few thousand times you load a website or download a song, starting to add up now? Not to mention, if the government takes control of our web, then they can deliberately block websites to their own advantage - scary stuff hey?

The ACMA (Australian Communications and Media Authority) also noted that web filtering software blocked the wrong content up to 25 per cent in most studies. Think of your local community centre or a blog about gardening could just get blocked, for absolutely no reason. Sure, there is some “nasty” stuff out there and for that, you need the right anti-virus and anti-spyware protection, however forcing you not to see websites is a restriction, a restriction that should not be put in place!

There were hundreds of people who attended protests in capital cities around Australia on Saturday, 13th of December, voicing their opinion on the above proposed internet filtering scheme by Kevin Rudd.

I’m far higher than politics and don’t wish to be involved in any shape or form, however Mr. Rudd seems to be doing a good service so far, however if this goes ahead, he will no longer have my support - that’s a promise… and you can take that to the bank with interest on top!

Full article on Fathers 4 Justice Australia:
http://www.f4joz.com/news/newspage.php?yr=8&id=10291

Some Important Reverse Mortgage Information

Reverse mortgage loans were introduced in the United States in 1989. Since then, almost 20,000 seniors in the country have acquired reverse mortgage loans. This article would give you some important reverse mortgage information.

Reverse mortgages are also termed as home equity conversion mortgages. In case of a reverse mortgage, home owners are able to keep the ownership of their houses and at the same time, receive a lump sum payment, or in some instances, a monthly payment from the lender. If the home owners shift to another place or expire, ownership of the house is obtained by the lender unless the elderly borrowers or their inheritors repay the loan. The home owners also have the option of selling the house and use the sale proceeds to pay off the lender.

Obviously, reverse mortgages are not meant for everybody. They might turn out to be expensive and a senior home owner might only find out 30%-80% of his home’s value with a reverse mortgage. The service charges and closing costs related to a reverse mortgage may vary from 20 dollars to 30 dollars every month. Some reverse mortgages bear adjustable interest rates and some fixed interest rates. Reverse mortgages are offered to you in various forms. You can get reverse mortgage information from different websites including FHA (Federal Housing Administration) and HUD (Department of Housing and Urban Development).

Google, the largest search engine in the world, revealed on the 29th of November they managed to move and sort 1 petabyte of data (1024 terabytes) to over 48,000 hard drives in just 6 hours and 2 minutes. Breaking it down, that’s 1 terabyte of data (1024 gigabytes) in 68 seconds, crushing the previous record of 1 terabyte across 910 computers in 209 seconds.

So with so much data being moved, so quickly, there is always a chance of something not going right and in this case, Google  was on the ball. They have triple redundancy, keeping the possibility open that something could happen, fortunately, nothing did. Though you may ask, with triple redundancy, would’ve this slowed things down? Not really, since storing may not be part of the sorting algorithm that was recorded (and storing the data could have still been ongoing after the sort had been completed). Though this is purely speculation as we’re unsure of Google’s full play.

Though all this was a milestone for the technology world, demonstrating how effective our technology is becoming and how quick things can be moved with the right hardware and knowledge. Google did push the boundaries for various reasons with the main one being to help further our knowledge to create better systems to make things like these seem small in the future.

Written based on: http://www.web-app.net/?Google_Breaks_Speed_Record_Sorting_1PB_Data_In_6_hours_%2F&action=viewnews&id=43

Money, money, money, that’s all we think about and unfortunately, what we need to think about. In modern life, money controls almost every aspect of our day to day lives and influences people to do unthinkable things for a range of reasons.

Greed

People believe greed is a one of the fundamental components that we’re born with, however it’s actually derived from a true fundamental component, the need to advance. This component can also be referred to as “wanting more”. Though, this can get out of control by the mind being exposed to too many things in a very short period of time. In order to utilise this component effectively, you need to take control and allow yourself only to be ‘greedy’ when it’s needed and not lay your cards on false hope like gambling.

Survival

The second fundamental component is survival which is important for many reasons, allowing your mind and body to succeed it’s limits in order to survive. This however can be exploited and can send the mind over the edge with a chance of not being able to recover to full capacity. In order to survive we need food, water, shelter and love and unfortunately, all of this needs money, that’s right love too. You can live on a farm, grow your own crop and bread your own animals but unless you’ve grown up with that behind you, city folk would find it very traumatising - like myself. When people lose a lot of money or are constantly losing money with no signs of recovering, their mind automatically switches onto survival mode which then invokes unspeakable actions  in order to survive. At this point, you need family and friends around you, guiding you and taking off some of the pressure, reducing your mind from critical to caution and allowing you to think logically, not instinctually.

Power

All reasons are usually equally the same, however money has radically driven people for the sense of power and control, typically a fundamental component of a man. Women also crave the sense of power and control though their methods are obtained differently then those of a man, traditionally speaking. The following is a quote by me and if you feel it’s right in nature, then feel free to use it with my name attached.

“In order for one to feel safe, one must feel in control, being able to change any variable as he or she needs to protect the mind, body and soul from harm.”
- Andrew Knight

Power is used for good and evil and has formed many alliances and crushed others. Without power, our economy could easily fall apart with havoc wrecking all over the world. I personally believe we are all equal though I also agree with the statement “There’s leaders and there’s followers” - though take it one step further and think again, maybe that’s just how we’ve been ‘taught’, just like growing up in the monetary system, taught to believe…the deeper it gets, the more interesting I say.

So how does money give power to someone? Well it’s simple. Money controls the world, the more you have, the more services and products are available, which in turn makes your life easier and allows you to control others much easier. Many to this day will still turn their head if they got paid to, people have families and mouths to feed, they’re not worried about someone being shot who they don’t know…

There are of course other reasons where I could spend days talking about, though simply understanding the basics is all you need. To realise how different things could be if we didn’t have money, if we were brought up in a world full of creation and technological advancement to help better everyone, not just the people with money. To put more focus on rebuilding the earth and keeping families together, rather than ripping them apart.

I was inspired to write this article for several reasons. Firstly I have a love for money, even though I wish for a better world, I understand money is key in this lifetime. Secondly watching Zeitgeist, a film my dad mentioned to me which goes on to explain about the monetary system, our national debt, how we accumulate more debt, how money controls our lives and so on. Also included in Zeitgeist is The Venus Project, a project that has envisioned a redesign of our current culture, into something much more healthy and sustainable - with no money attached. I don’t want to spoil it for you, I would recommend you watch this documentary about our current life and let your mind open up to new possibilities.

You can download Zeitgeist by using one of the following options -

Note: This movie is free and is encouraged to be distributed everywhere in any format. If you don’t know how to download, contact me and we can go from there.

Movie Website: (To order a CD/DVD)
http://zeitgeistmovie.com

Torrent:
http://sector.yweb.sk/Zeitgeist.Addendum.DVDRip.XviD.torrent

RapidShare.com:
http://rapidshare.com/files/163450691/z-zg.part1.rar
http://rapidshare.com/files/163451161/z-zg.part2.rar
http://rapidshare.com/files/163451733/z-zg.part3.rar
http://rapidshare.com/files/163488997/z-zg.part4.rar
http://rapidshare.com/files/163454333/z-zg.part5.rar
http://rapidshare.com/files/163454523/z-zg.part6.rar
http://rapidshare.com/files/163488996/z-zg.part7.rar
http://rapidshare.com/files/163489005/z-zg.part8.rar

Megashare:
http://d01.megashares.com/?d01=63031cb

Zeitgeist Official Website: http://thezeitgeistmovement.com
Venus Project Official Website: http://www.thevenusproject.com

You may have heard the expression “there is good debt and bad debt” and this is a very true statement but do you question what is good debt and what is bad debt? That’s something I’m answering today, helping you understand simply the importance of both and how it affects your finances and so forth.

Bad Debt

Bad debt can be derived from purchasing liabilities, things that don’t generate an income for you, won’t pay for itself down the long run. A car is a perfect example of this, you take out a loan, pay x amount of interest over 10 years and then you get hit with on road costs, services and other fees - taking money out of your pocket, not putting money in. Don’t be fooled, this can also apply to houses if you don’t do your research. Another example is a credit card, instant money people take for granted without using it properly. Unless you are levering your money using a credit card, you’re actually stacking bad debt onto it, forcing it to work against you like speeding up a timer on a bomb. In order to keep out of bad debt, you need to understand the importance of keeping out of it, making sure you’re ahead of the game, unlike many in society today.

Good Debt

Good debt is utterly important as it opens the doors of passive income to you if done properly. Before banks lend money out to a customer they assess the persons financial status. For example, how much they earn per year, what assets do they own, other sources of income and their credit history. If this strict criteria is met, then it’s a green light to lend and this would be classified as good debt. However, if the bank lent money out to someone who couldn’t afford the repayments on time, had no financial history or income, then they are taking a high risk and it becomes bad debt, much more risk involved.

In order to generate a passive income, you need to purchase assets that will automatically make money for you, however not everyone is born with a million dollars so how do you ‘afford’ these assets? You need to borrow money, leverage it and manage it effectively. Let’s say you found a house, the house was $50,000 and you only had $30,000, you would need to borrow the extra $20,000 to purchase it. Before you do, you need to consider if this will generate more income then the expenditure. So if your loan repayments was $300/week and you were renting it for $400/week, you are making $100/week in passive income, allowing you to pay off the loan much quicker. However, if the house wasn’t paying itself off by its own income, then it would be classified as a liability, something that is taking money out of your pocket and putting it into the banks. There can be exceptions, different investments require different levels of money however, research and planning is critical, making sure your projected income is rock solid.

The more money you put into the house, the faster it gets paid off, the less interest and more profit. This allows you to invest into more ventures by using the equity in the house. This of course applies to all investments and there will always be risk, the idea is to minimise it as much as possible.

The above has been based on knowledge I have learnt from experienced and knowledgeable people such as my Dad and Robert Kiyosaki. Please remember I’m not a financial advisor nor do I ask you to follow my advice, if this ever proves useful, please share it as we all should live in abundance.

Germany, the third biggest economy has fallen into recession over night as the global financial crisis continues to strike. Europe’s largest economy shrank 0.5 per cent in the third quarter, following a contraction of a revised 0.4 per cent in the second quarter. The contraction is known to be the worst than expected, analysts polled by Dow Jones Newswires predicting a 0.1 percent fall compared to the previous three months.

According to The Capital Economics research group, the data that was published could mean the economy is heading for the worst recession since the 1930s. I wasn’t alive at this date, nor was my father and it’s scary to think with all our technological advances, we could go back just as fast.

Germany actually got off to a good start this year, expanding by 1.4 per cent in the three months to March. What happened you ask? The country had been hit by slumping activity in its major export markets while domestic consumption remained at low levels. Corporate investment also suffered as well from a sharp decline in the business outlook. Following on in October, German business confidence hit its lowest point in more than five years, a widely-watched survey by the Ifo research institute showed.

Now the outlook for 2009 is looking grimmer than ever, with Berlin slashing its forecast for 2009 growth to just 0.2 per cent! A panel of experts also advised the government, saying it expects a standstill next year.

So with the world is utter chaos, does this mean Australia will fall into recession and economic fright? To be honest, I don’t think we will be effected hard like the US, UK and China. Our banking system has been strengthed over the years with good, solid grounding, provided by all the regulations the government put in place over the past. Even with the Australian stock market crashing, recovering and then repeating the process, we are still ahead in comparison to many other countries.

People are suggesting you save your money, stock it away and be a scrooge, this is the wrong mentallity as I’ve said previously. Don’t over spend but the economy needs money injected into to help it survive and prosper. Buying shares in banks and mining companies should be something to also consider, especially when the demand can be so high for certain materials and so forth.

Remember, now is the time to be investing - not squirreling your money away…not that anything is wrong with doing that, just we need money into the economy to help it survive and keep it strong!

Source: http://news.smh.com.au/business/germany-in-recession-as-slowdown-bites-20081113-666s.html

Consumerism has hit me hard recently, making me get on my knees and grovel for a popular materialistic item, the iPod Touch - 2nd Edition. Even with our current economic situation with world debt being increasingly high and money dropping in value by the hour, the iPod is still referred to as an liability due to the fact it’s not making me any money and posesses the possibility of breaking down in some way.

I have lost some money surplus by giving in to my feelings which has been invoked by multiple things like incredible marketing. Not to mention, my own desire to hold something which has been beautifully crafted to perfection, with a sleek steel case and a 480×320 touch screen - it’s pure all over.

Pushing that aside, I will now be adding money to a personal fund, details I can’t exactly disclose however I can assure you it’s beneficial to my future and will secure profitable ventures - exciting! I will be removing my saving bar and replacing it with a new bar representing the money added to the fund, named “Success Fund”.

Hayden Panettiere, a beautiful and attractive woman who is mostly known from the hit tv series, Heroes is one of the few women celebrities who {usually} look natural and composed. She doesn’t try and go for the fake look even though there a few photos floating around. She seems genuine but how do I know, I can only see the outside — but I guess that’s enough for me!

Hayden was born August 21, 1989 and at only age 19 she became a very well known face in TV. Hayden is also known for her hit role in Remember The Titans as Sheryl Yoast and Maddie Harrington in Ally McBeal, doing 11 episodes.

Hayden was born a model and actress, starting her modelling at only 4 months old! At 11 months, she appeared in commercials for popular shows like Playskool. After growing up a little, between five and eight she appeared in the soap opera One Life to Live as Sarah Roberts then later as Lizzie Spaulding on the CBS soap opera Guiding Light.

From there Hayden boosted her career from being a wonderful child straight into being a teenager and landing in Heroes as Claire Bennet. While on the set of Heroes, Hayden Panettiere met Milo Ventimiglia, who plays co-star character, Peter Petrelli. This was known In April 2008, when during an interview on the BBC’s The Chris Moyles Show to promote the second season of Heroes, Ventimiglia confirmed that he is dating Hayden Panettiere.

Last month I posted some sexy Hayden Panettiere wallpapers for everyone to download and admire Hayden’s beauty on their desktop. I have recently added more to this collection and recommend you visit my previous post. There is multiple resolutions available, all to the best quality I could find so enjoy!

If you have anything you would like to add about beautiful Hayden Panettiere, please do so by commenting. I would like to hear your thoughts!