With all due apologies to fellow citizens, but we, the body of
America, are starting to smell. By now most who are capable of
reading and/or watching television know of the burning of dead
Taliban fighter’s bodies and the accompanying taunts to other
Taliban members by what has been called an American
psychological operations or “PSYOPS” unit in Afghanistan.

Perhaps we can place this incident on the mantle next to the
Naked Human Pyramid and the Dog Attacking Naked Prisoner
trophies (to name a few).

For those unfamiliar with the story it can be found at A
BC NEWS and the story with the accompanying (edited) video
can be seen at CNN.

As usual, a more in depth analysis of the problems posed by that
act and actual references to International Law and local customs
can be found in overseas media such as The Independent, T
he Scotsman, and The Guardian.

Even if one is not outraged by these actions, a certain sense of
bewilderment must exist. After all, this is nothing more than
another “Bring ‘em On” moment. First, one needs to go back to
when pesky issues such as “torture” were attempted to be
discussed only to have those that deigned bring them up (Amnesty
International, Int’l Red Cross, ACLU, etc.) be quickly
vanquished by the forces of “good” within the Administration- an
Administration that has characterized this fight/war as an
entirely “new type of war” thereby setting the stage for these
“entirely new kinds of methods”.

The truth is that war is war, killing is killing, torture is
torture, and desecrating bodies is desecrating bodies. The only
“new” thing about any of this is that it apparently has been
given a wink and a nod by the highest levels of our Government.

Blaming these events on a “few bad apples” or on those who are
not “upholding American standards of decency” is a pig that
simply doesn’t fly anymore. The American spirit and the American
sense of decency cannot be hijacked by those who condone these
tactics while clutching the flag and the cross in their hands-
thereby desecrating both.

More importantly, what this proves is that we are now wallowing
not only in the stench of passing the bounds of an oxymoron,
namely, “acceptable warfare”, we are now trying to wash the
smell away with a stupidity shower.

Heeding the Administration’s caution against “the bigotry of
lowered expectations”, why not discuss stupidity? The fact is
that this was a “PSYOPS” operation. Presumably, these
individuals have some training in psychological warfare. This
act could not have possibly been in any valid work on the
subject. The chances of “smoking out” other Taliban fighters
with this act was close to nill and even if 1 or 2 did, then
that would just be a culling of the herd that would probably be
welcomed by other Taliban fighters as the “hotheads” would
ultimately prove a larger risk to them than our own forces.

If this had anything to do with psychology, then it must have
dealt with “projection” with a strong hint of Hollywood
influence. Too bad the Taliban don’t watch Sylvester Stallone
and Chuck Norris movies. If they did, they’d fall right into our
trap.

There was, and is, only one outcome to this “event”- many more
recruits for either suicide bombers or fighters. The sheer folly
of it is an indication of warped leadership in a warped fight
that may be the right fight, but has not been characterized and
framed properly in the interests of political expediency that is
sure to lead to an ultimate defeat.

Far from being a statement for gentility in a fight, this is a
plea for the leadership in this country to get their collective
heads out of their collective fundraisers and see that we are
doing nothing but planting seeds for a field that we will, one
day, become too weak to cut back or control from simple
exhaustion of both manpower and treasure.

The time has come for this Administration to rise above the
pride of making it to the top as “C” students with portfolios
consisting of a lack of military service and failed businesses
(but for connections). Lives are at stake.

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>From a historical perspective, investing in real estate is
almost as old as the construction of property itself. Indeed
many business owners who created their wealth through companies
then went on to diversify into real estate investments. In fact,
over the years real estate investments have produced similar
returns to those found in the stock market. Let’s take a look at
some of the reasons:

First of all, and most obviously, the supply of building land
around the world is limited, even when taking into account
landfill opportunities. Since the world’s population is growing
and the demand for housing ever increasing, then there would
seem to be a never-ending and increasing requirement for real
estate of all types.

Now let’s take a look at the mechanics of buying property. Here
it can be seen that investing in real estate is quite different
from most other traditional investments such as stocks. With
real estate you can often borrow up to around 80 percent of the
value of a property, sometimes even the full value and beyond
under special circumstances. Thus a more modest investment of
say 20 percent of the value can be used to buy and control the
full value of the larger investment. Naturally, if the value of
your investment increases, I.e. property prices rise, then the
value of your real estate investment also increases. If so, then
you are into profit, including that on the money you originally
borrowed.

Naturally, there will be costs associated with real estate
investing (such as legal fees and property maintenance, taxes,
etc), but these are usually small in comparison with the
potential gains.

Borrowing in order to invest in real estate makes real estate a
type of leveraged investment. But if you know anything about
leverage, you will realize that leveraged investments can also
go against you. What, for example, if the property you purchased
for $300,000 decreased in value to $240,000? Even though the
value only dropped by 20 percent, you actually lose 100 percent
of the original $60,000 investment. And if you have a mortgage
on this property making up its full purchase price, you will
actually need to pay money to the mortgage provider in order to
cover the costs of selling the property. That’s in addition to
the loss of the whole of your initial investment.

So, as you see, investing in real estate is something to be
taken very seriously and should not be done with money which you
might need for other things in the near future. Investment in
property is more secure as a long-term investment. In the above
example, if you could have held onto the property and not sold
it, the loss would purely have been ‘on paper’. In all
likelihood, over time the value of the property, unless grossly
overpriced when you originally bought it, will rise and you will
likely not only recover the full value of the initial
investment, but also possibly make a nice profit when you do
come to sell.

Another reason that real estate is a popular investment is that
there are profits to be made from it whilst you are the owner.
In addition to the tax-saving benefits (in that any tax due on
the property’s increase in value doesn’t become due until it is
eventually sold), you can also make additional money from
renting out the property. This can often cover all your running
costs of the property, plus providing a profit on top.

Unless you make a large down payment, early on during your
ownership the monthly operating profit from your property
business is likely to be small or non-existent. But over time
this profit will increase as the amount of rent you can charge
increases at a higher rate than the running costs. Naturally
these profits will be subject to normal income tax rules.

A further benefit of investing in property is that you might be
able to purchase cheaply a run-down or ‘distressed’ property and
fix it up or develop it further. Properties like this can still
be found if you look around carefully. Naturally, investing in
this type of real estate can still produce large gains. This is
something you certainly can’t do with traditional stock market
investments.

However, returning to the initial question about whether real
estate investing is still a viable option when current prices
seem to be nearing their peak: yes, it can still be so, but you
might need to be more creative and prepare to be in for the long
haul. Property ‘flipping’ methods that worked extremely
successfully yesterday, might not work at all well tomorrow.

You might also consider diversifying into overseas real estate
markets. Whilst this will require greater study and analysis,
and there are many more legal issues to consider, seeking out
what appear to be undervalued international real estate
opportunities has the potential to be highly profitable if
handled correctly.

Naturally, you should always seek the advice of professionals,
both financial and legal, before investing in properties of any
description, particularly when considering investing overseas.
There might be major implications to your overall taxation.
Risks can also be substantially higher when you are not there to
oversee your investment in person.

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Many organisations use the term “lessons learned” to describe the way in which they avoid repeating mistakes, or ensure that they build on past successes, yet a lesson can only be applied if it has been successfully identified, and captured first. Even in “learning organisations” who profess to be good at knowledge management and knowledge sharing, the process for identifying lessons learned can lacks rigour or depth. All too often, lessons end up as “motherhood and apple pie” statements, and end up in reports on shelves gathering dust (or its electronic equivalent).

The guidelines below are drawn from the book “Learning to Fly - Practical knowledge management from leading and learning organisations” (Chris Collison and Geoff Parcell), and set out ten key steps to facilitating a “lessons learned” review.

1 Call the meeting. Hold a face-to-face meeting as soon as you can after the project ends, within weeks rather than months.

2 Invite the right people. The project leader needs to attend, as do key members of the project team. If a similar project is already underway, then there is great value in the new project team attending - a “customer” for the knowledge

3 Appoint a facilitator. Identify a facilitator who was not closely involved in the project. The facilitator should be someone who can ask questions from an independent, but non-threatening standpoint. This isn’t an audit, it’s an investment!

4 Revisit the objectives and deliverables of the project. Ask “what did we set out to do?” and “what did we achieve?”

5 Go through the project step by step. Revisit the project plan and identify any deviation from plan. Where were the delays, and what went ahead of schedule? What changed and why?

6 Ask ?what went well?? Ask “what were the successful steps towards achieving your objective?” and “what went really well in the project?”

Ask a “why?” question several times. This is vital, and will get you to the root of the reason. Don’t take the initial response at face value. Often people don’t even realise what the underlying reason behind a success or failure is. Your role may involve guiding them on a voyage of discovery (without regressing them to their childhood!).

7 Find out why these aspects went well, and express the learning as advice or guidelines for the future. This is a key point. Try to avoid expressing lessons learned in a passive, past tense, such as:
“Project Foxtrot completed ahead of schedule because the project team remained in-tact throughout the design and execution stages”.

The lesson will be far more accessible to others if it is expressed as:

“On time-critical projects, ensure that the project team remains consistent throughout the design and execution stages of the project. This will eliminate any learning-curve issues due to the take-on of new staff”.

As the facilitator, acknowledge feelings and press for the facts.
Ask “what repeatable, successful processes did we use?? and ?how could we ensure future projects go just as well, or even better?”

8 Ask “what could have gone better?” Ask “what were the aspects that stopped you delivering even more?” Identify the stumbling blocks and pitfalls, so they can be avoided in future by asking “what would your advice be to future project teams, based on your experiences here?”

9 Ensure that participants leave with their feelings acknowledged. Ask for “Marks out of ten” and “What would make it a ten for you?” to access residual issues.

10 Record the meeting. Use quotes to express the depth of feeling. Express the recommendations as clearly, measurably and unambiguously as possible, using the guideline format explained in point 7. Take a photograph of the project team, and ensure that you record contact information (e-mail and telephone) to make follow-up conversations easy for anyone reading he lessons learned.
Ensure that you circulate the write-up around the participants for comment, and permission to use specific quotes before sharing more widely.

Conclusion

Identifying and recording lessons learned is fairly straightforward process, given the simple set of steps above and a measure of facilitation skills. Of course, identifying the lessons is only part of a knowledge management cycle; lessons learned, and the guidelines that they spawn, have no intrinsic value. The benefits come from ensuring that the lessons are actually applied - which is another story!

Chris Collison is a renowned expert in knowledge management and an experienced practitioner in the leadership and implementation of organisational change from a people perspective.

As a best-selling author, he has presented to audiences at business schools and at conferences around the world, and is a regular contributor to specialist knowledge management publications. Chris has worked with leaders at the highest levels of many public and private-sector organizations, sharing the practical experiences he gained whilst working in BP’s knowledge management team, and his deep understanding of the human dynamics of major change programmes.

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My first experience of a barbecue was as a seventeen year old at
a friend’s house. His farther, Douglas, was an expert at
barbecuing, with many years experience, we thought! It was a hot
summers day but with a light breeze, so Douglas, with all that
experience, decided to erect a cardboard frame about one foot
high around three sides of the barbecue. The barbecue grill
itself, which was fuelled with charcoal, was positioned next to,
and underneath, some trees in the back garden. Not having seen a
barbecue being lit before I was keen to watch, and moved in
closer. Douglas placed the firelighters in the grate, set fire
to them and arranged the charcoal in a pyramid over them. A
number of years later I found out that this was the classic way
to light a barbecue. Now, Douglas, in an attempt to speed up the
process uncovered his secret weapon and enthusiastically said
“Lighter fuel, this will have the barbecue going in seconds!”
With the poise of a highly trained swordsman, Douglas sent a jet
of lighter fuel through the air and across the whole length of
the barbecue. Douglas was right! The barbecue erupted into
flame. I was very impressed. Unfortunately, seconds later so did
the cardboard frame and then the surrounding trees! Luckily
there were enough of us there to safely put out the flames and
to carry on with the barbecue.

A few years later I began barbecuing for myself and always
remembered Douglas and his flaming trees. Apart from not
erecting a cardboard frame around your barbecue and keeping it
well away from trees, there are some simple rules to follow to
ensure that you start your charcoal barbecue in safety.

If you’re setting up a barbecue for the first time, read the
instructions carefully first.

Carefully choose where to set-up your barbecue. Make sure that
it’s on level ground and don’t try to move it once it’s lit.

Don’t attempt to start your barbecue in very high winds. Not
even with a cardboard frame!

Don’t try to barbecue indoors. I know people that have tried to
barbecue in a shed and in a garage! Extremely dangerous.

Use proper firelighters to start your barbecue. They’re better
than rolled up paper and won’t fly away in the wind.

Only ever use purpose-made firelighters and fuel on your
barbecue. Never use petrol, white spirit, or paraffin. Not only
is it extremely dangerous but it also taints the flavour of the
food.

Everyone loves a barbecue but don’t forget that the grill gets
extremely hot. Follow the rules above and keep safety in mind.
You’ll experience a great barbecue, your guests will have lots
fun and you’ll enjoy yourself.

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Take a few seconds to close your eyes and imagine that you are putting a slice of lemon into your mouth and chewing on it. Did your mouth water? This is just one example of how the mind can affect the body - simply thinking about something can trigger a physical reaction. If your body reacts just thinking about chomping on a lemon imagine what happens when you experience chronic, negative emotions. It’s time for a heart to heart. Did you know that anger can increase a man’s risk of coronary heart disease? Specifically, full-blown, outward and uncontrollable expressions of anger, aka “losing it” put men at risk.

If you are a woman, you don’t get off the heart hook. The risk for women is more subtle, indirect expression of antagonism. Hostility, defined as an attitude of ill will and a negative evaluation of people and events is another set of emotions that puts us at risk for heart disease.

Pessimism is also associated with heart health. People who constantly blame themselves for the things that go wrong and believe that nothing good will come their way are more likely to develop heart disease that people with a positive attitude. The mind set of pessimism is linked with higher levels of anger, anxiety and depression which are other risk factors implicated in heart disease.

Take heart! There is good news. Positive emotions like optimism may be a psychological vaccination against heart disease. Studies show that optimistic men were half as likely as pessimistic men to develop heart disease. Now that’s a lottery with good odds!

Developing a positive attitude does not mean that you can forsake all of the other methods of staying heart healthy: nutrition, exercise, no smoking - you know the drill.

The other piece of good news is that optimism can be learned and you can have a change of heart. It is a matter of replacing your negative thoughts and evaluations with positive ones. Start by choosing a chronic negative thought that runs around like a manic hamster in your head. First write down that negative thought and then write down the opposite. Learn your positive thought by heart and repeat it over and over. Don’t worry about not believing what you are saying. Just focus on the positive thought and it will become a self-fulfilling prophecy. I trust that you will take to heart that being optimistic is good for you. Wishing you an optimistic attitude and a healthy heart.

About The Author

Lucy MacDonald, M.Ed., is the Canadian author of the positive thinking, self-help book, Learn to be an Optimist. Lucy publishes a free newsletter, Positive Perspectives, designed to help you gain and maintain a positive attitude. Visit Lucy’s site at www.lucymacdonald.com for the optimism quotes and self-improvement articles.

lucy@lucymacdonald.com

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Many potential college students don’t end up attending
university due to a lack of money, however there are thousands
of college scholarship programs available. Here is a list of the
most common types of college scholarships that students can
apply for:

* Private organisations * Corporate awards * College-specific
awards * Athletic award * Union funded scholarship * Military
scholarship * Academic scholarship * Departmental awards

College scholarships awarded by the college that a student is
attending are subject to strict terms of acceptance. This type
of college scholarship is constantly re-evaluated throughout the
length of the course that the student is funded for and can be
withdrawn if the student fails to keep to the agreed terms.

An athletic scholarship is fairly self-explanatory but this type
of college scholarship is probably the hardest for a student to
obtain. There are hundreds of thousands of highly gifted
athletes from a range of sports every year that apply for an
athletic college scholarship and the numbers awarded are
extremely low. It is worth bearing in mind that only the top
flight schools will offer an athletic college scholarship.

The academic scholarships are one of the few that do not
actually require the student to apply for them. This is because
the college normally awards an academic scholarship based on the
college application alone. Obviously, the very nature of an
academic scholarship means that a student will require
outstanding academic potential to be offered a full academic
college scholarship and it is more common for a particle college
scholarship to be awarded.

A departmental scholarship is most commonly awarded by a
specific department of a college to either attract or retain
students for courses run by that particular department. The
individual department will provide information as to whether
they offer any type of special scholarship or not.

There are many private organisations that offer some form of
partial college scholarship. These often depend on the area that
a student lives in but national organisations may also offer a
student a college scholarship but the competition for these can
be fierce.

On the other hand, many corporations actually have a college
scholarship program but fail to award them because of a lack of
applicants. The corporations may offer a college scholarship to
students to attract them into the particular line of work that
the corporation is in or simply to offer students in their
community the chance to attend college.

Unions have a large amount of money allocated to a college
scholarship fund. These are usually aimed at students who are
going to enter a field of study related to the type of union.

Finally, the various branches of the military all have an
extensive college scholarship program. A military college
scholarship is often extremely generous but is awarded in
exchange for a pre-agreed length of service after graduation in
the particular branch that sponsored the student.

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Before the state structured settlement protection statutes and the Victims of Terrorism Relief Act of 2001 which created 5891 of the Internal Revenue Code, any one wanting to sell their settlement payments were on their own. The sale of structured settlement payment rights today requires a Court in your state to review and, if appropriate, make a “qualified order” approving the sale of such payments or a hefty 40% excise tax is applied. The concept of Court approval is intended to protect you from entering into a deal that is not in your best interest.

Should I sell my payments?

The answer to that one is difficult. The question you might ask yourself:Do I need the money now?
For example: to buy a house, pay for an education, a business opportunity or to keep from filing bankruptcy. Any good reason would make sense. To go on vacation or buy an Acura Legend might not be in your best interest.

If you have other money sources to explore, I suggest using those options first. Selling your structured settlement should be a last resort.

Remember to first look for other sources of money like family, banks and ect., before selling payments. If your settlement is your only source of income it is not in your best interest to sell. Make sure the people who are buy your payments have your interests in mind. SELLER BEWARE.

I hope that you have a positive experience and put the money to good use, if you decide to sell your payments.

Frank ReCouper has been in the financial services (financial planning) for over 45 years. Buying structured settlement payments for 17 years and can be reached by going to FDR Resources at http://www.money-now.net

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Some of you might think that skin-care routines are for ladies. If you are into business like me, fetching million dollar deals are worth the time spend than doing your own facial cleansing and routine checkup. But don’t ever forget that your first impression always last longer in your customers’ head than you would expect. A good looking with nice clean facial skin may prove to be your ultimate prerequisite in striking your negotiation deal. Here are some of the do’s and don’ts in getting the perfect skin.

Do’s of perfect skin
Do exercise. Physically fit people look good and feel good. Exercise improves internal circulation to bring oxygen and nutrients to the skin. This makes skin firmer and better nourished, as well as slows down aging. Regular exercise also helps improve your appearance, prolong your life, build self-confidence and reshape your figure. Your improved circulation will help to calm the nerves and promote a more revitalizing sleep. Move more, feel younger, and look better!

Do use products. Cleanse your face everyday with cleanser, toner and moisturizer. There are literally hundreds and hundreds of different brands and makes to choose from, but always use products suitable for your skim type, whether it is oily or dry. Have a good consultation from the skincare expert to determine the best suitable type of product for your skin.

Do drink water. A major cause of skim winkles is water loss from the skim. Water hydrates skin, keeping it moist, soft and supple. Drink at least 6 to 8 glasses of water a day. If you are like me, bring a small bottle of water in your briefcase so you can always have water to drink whenever you go.

Do rest. Lack of sleep makes your skin look dry and dull, and your eyes will become puffy. When we don’t have enough sleep or rest, we feel tired and listless. We need an average of 8 hours of sleep every night, but many of us have only 5 to 6 hours. The effects of inadequate sleep will start to show as you age.

Do eat properly. Keep your vitamin up by eating at least 5 portions of fruits or vegetables daily. If you are not getting enough vitamins from good, take multivitamin supplements. Stay away from fatty foods, as they will make your skin greasy.

The Don’ts
Don’t smoke. Smoking restricts blood flow to and from the skin, and adds to toxin levels. It also robs the skin of its vitality and potential for being smooth and attractive. People who smoke tend to have pallid complexion and skin that wrinkles prematurely.

Don’t drink too much alcohol. Alcohol can dehydrate the skin and impede circulation. This depletes the skin’s moisture content and interrupts the flow of vitamins and minerals needed for a healthy complexion.

Don’t stress out. Stress is bad for your physical and mental health, and also bad for your skin. It can cause your face to suffer breakouts of pimples, inflammation and make it look sensitive and dull. Relax!

Don’t fry in the sun. Use a high factor sunscreen with SP15 or higher rating when the sun’s rays are strongest. It’s best to avoid the sun’s rays whenever possible. Don’t overdo sun beds as they can also damage your skin, cause dryness and increase the risk of skin cancer. The safest sun tan is to get a fake one.

If you are female, always remove makeup before going to bed, because makeup left on overnight is a major cause of clogged pores that lead to blackhead formation and pimple breakouts. Cleanse twice after removing makeup - once for removing surface impurities, another time for deep pore cleansing.

Never use soap because its harshness upsets the PH balance and removes the natural moisture barrier of your skin. Use a soap-free, acid-balanced cleanser instead. If you like the lathering effect of soap, search for a foaming, lathering cleanser.

Lukewarm water is best for cleansing. Water that is too cold or too hot can cause dehydration, irritation and may increase breakouts. Apply a non-astringent toner after cleansing to rehydrate your skin and to reestablish the PH balance.

About the author: Author of popular book, “Gas Mileage Tactics” www.extragasmileage.com, Sunny enjoys writing tips articles just about every nuances in your life, during his spare time for his website www.tips.com.my. He welcomes articles submission from other authors. Subscribe to his Tipsletters now for some highlights on some of the best tips articles he finds.

Submitted with AD Submitter.

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Choosing the right divorce attorney should consist of more than picking the first listing in the telephone book. The person chosen to represent your divorce has the assignment of settling intricate cases that involve assets, property, custody, etc. If you have a lot to lose, reasonableness is necessary when picking a divorce attorney. Here are a few tips to help you make the right choice when selecting an attorney for your divorce proceedings.

Seasoned Divorce Attorneys vs. Inexperienced Attorneys

Attorneys are pricey. For this matter, many people try and avoid any type of litigation. When money is an issue, individuals may hire lawyers that charge less for their services. On the other hand, some individuals with a sizeable income may prefer expensive or renowned lawyers.

The assumption is that high-priced or veteran lawyers can do a better job representing your case. This claim is unsupported. When choosing a divorce attorney, take into consideration a lawyer’s track record. For example, an experienced or costly lawyer may have few wins in court, whereas a somewhat new divorce attorney may have several lines of attack that assure a victory in court.

The best way to gauge an attorney’s winning record is to ask. The initial consultation presents an opportunity. Pertinent questions to ask include: how long have you been practicing law? Do you have courtroom experience? What percentage of divorce proceeding have you successfully settled? Above all, divorce attorneys must have knowledge and understanding of family law, and be familiar with current state laws.

Choose a Divorce Lawyer that is Trustworthy and Likeable

Friends and family are usually eager to recommend a divorce attorney. This is helpful when looking for a trustworthy attorney. A divorce attorney’s reputation should be a prime concern. Some attorneys have a reputation of being indifferent or unresponsive to the needs of their client. Furthermore, there are attorneys with horrible customer service. Divorce proceedings are a lengthy process. Thus, clients should anticipate frequent communication with their attorney. If attorney and client cannot see eye-to-eye, the process will seem exceptionally long and grueling. To obtain reliable recommendations, ask your attorney to supply character references from previous clients.

Visit this page for Recommended Divorce Attorneys in Your Area.

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