Monday, September 3, 2007

Top Ten Ways to a More Positive Outlook on Winter

Year after year I find more and more individuals saying to me that they were still waiting for the warm temperatures to arrive one more time before the snow comes. In many ways these individuals did not have a very positive outlook on the arrival of the winter season. What can be done to have a more positive outlook towards the arrival of winter?

1. Put Seasonal Items In Order
Put away the summer things and pull out the winter ones so they are easier to find. Have your outdoor clothing ready to go in good order and repair including your boots, gloves, jackets and scarves.

2. Plan A Few Days Off
Plan a few days off during the winter so you have a special break to look forward to. It could be day set aside for reading or an indoor hobby that your enjoy -- or it could be a ski trip to the Rockies or a Caribbean vacation.

3. Get A Plant
Get a plant to brighten your living or work area such as a plant that flowers or try forcing some flower bulbs indoors.

4. Engage In An Activity That Celebrates This Season
Start or join in a regular activity that you enjoy (or enjoyed when you were younger) that celebrates this time of year. It could be an outdoor activity such as skating, curling, skiing or hockey. If you prefer it could instead be a private indoor activity such as of journaling, reading or quilting.

5. Get Ahead Of Holiday Preparations
Get ahead of preparing for the holidays so you are not rushed later on.

6. Enjoy Some Seasonal Scents
Get a lovely aromatherapy oil spray or candle you will enjoy in your home for the season.

7. Winterize Your Vehicle
If you have one, have your vehicle winterized including getting winter tires put on, the engine tuned up and be sure to include a complete winter emergency kit and blanket.

8. Prepare For SAD (If Applicable)
If you are a sensitive person who is affected by SAD (Seasonal Affective Disorder), be sure to have your light box ready for use. (For those of you who are unfamiliar with S.A.D., it's a physical condition that happens with the shortening of our daylight hours. In many people this causes depression and fatigue that can sometimes require extra light from special light boxes to get through the day.)

9. Get Cozy On The Couch
Put out a cozy throw blanket for the couch for when you sit to watch your favorite TV shows.

10. Enjoy Delicious, Nourishing Self Care
Bring out your favorite soups and stews recipes. If you don't have any, have fun developing and cooking up some tasty favorites. While you are at it, also stock up on a special warm drink whether its tea, hot chocolate or apple juice / cider with cinnamon sticks to simmer.

(c) 2003 Donna P. Lendzyk

Donna P. Lendzyk, The "More Done Less Time" Business Coach, helps home-based business owners to Get More Done in Less Time With Greater Ease...So They Can Make More Profits! For more great tips with being a business owner, check out Donnas website

How to Financially Plan for your Retirement Today

Saving for retirement is something that can be difficult, especially if you begin too late. So when is a good time to begin saving? Right now! Even a few years can make the difference of several hundred thousand dollars once you factor in interest. You should set a goal of setting aside a certain amount of money every month from your paycheck to put into your 401k.

People are constantly saying, But I dont have the money to put aside right now. In some cases this may be a legitimate argument. For many though, there are a number of things you can cut back on to help increase your 401k. For example, is it truly a necessity to have that Starbucks latte every morning before work? Is it absolutely vital that you eat out for lunch as oppose to packing a lunch?

Every little bit matters and when you add up the costs for your latte in the morning and your Big Mac with fries for lunch, you would be surprised to see how much you are actually spending. Although there are things like pensions to back you up, even your pension can be quite surprising when it comes time to collect your earnings.

Unlike what many people believe, a pension will only get you 30% as oppose to the 60 or 70% that is assumed. While this is certainly beneficial, it is something that people shouldnt rely on.

While saving is perhaps the biggest part of planning for your retirement, having a decent insurance policy is up there as well. There is no denying the face that as we grow older, so do our bodies. We will encounter more health problems and are more susceptible to diseases and surgeries. By having a reliable insurance plan, you can avoid getting that overwhelming medical bill that will send you back to the workforce.

The main problem people have with planning for their retirement is that it is in the distant future. Then, little by little the time will sneak up on you and you will begin to realize you are completely unprepared. You can still live your life in the present and enjoy yourself, but it will be much more comforting if you take a small amount from your paycheck each month and place it in a retirement fund of some kind or a 401k.

Joshua Spaulding is an Author and Webmaster providing Quality Finance and Investment Articles through his Quality Article Directory at Joshua educates thousands of people everyday on solid investment plans, as well as various other things.

The Best Forex Trading System You Can Put To Use Now!

Finding the best forex trading system is no easy task, many people have spent thousands of dollars looking for a good forex trading system. You may be one of them but do not despair I will now show you a easy stress free way to trade the forex market.

The first thing I want you to do is get all those ideas about making millions quickly out of your head. This is a business like any other and it takes time to build up to a point where you will be making a decent income. It is a fact that in the forex market it is very hard to trade on the intraday charts. The Higher the time frame you choose to trade then the easier it will be fore you to make consistent profits. The majority of my profits come from trading the daily charts or higher, why? Because it's easier! I am going to explain a profitable way to trade daily charts that anyone with a little patience can put to use straight away. Let's get started.

Choose a daily candle/bar chart for your favourite currency pair and plot the key support/resistance areas with horizontal lines and trend lines. When price approaches these areas we are looking for a certain candle formation that will give us the opportunity to get a very high probability trade.

The formation we are looking for are pin bar's (also know as shooting stars) , for it to pass as a reliable pin bar it must have a nice long body that touches or gets very close to the support/resistance area. This formation is a very strong signal that price may change direction. I have manually tested hundreds of pin bars back over past data on 11 pairs and I found that when a pin bar is formed at one of these key levels then price retraces the pin bar by 50% at least 75% of the time before taking off in the direction of the trade. This gives us a great low risk high reward trade.

Once you spot a good pin bar at a key support/resistance level and everything looks in place you entry order at the 50% retrace level of the pin bar. To find this measure the total size of the pin bar for example 70 pips, then divide it by two. You may often notice that the previous bar to the pin bar also stopped at the 50% mark of the pin bar, this gives us even more confidence in your trade. Once you have placed your order make sure you set your stop 5 pips above the pin bar, if price ever breaks the pin bar then the probability of the trade being profitable is low.

During the next days trading price will generally come back to the 50% level of the pin bar and open your position, usually not long later price will take off in the direction of your trade. Sometimes I have pinpointed the entry to the pip! It is important that you move your stop to break even once you are in profit by the same amount that you risked.

These trades can easily catch 500 pip moves as you are trading on the daily charts. Each pair will have around 2 good setups a month so if you want to trade more simply add more pairs. This is the best forex trading system for those who have a full time job, all you have to do is check the charts once every evening for possible trade setups and enter your orders with stop losses and take profits. Take a look over your charts I think you will be pleasantly surprised how affective this simple system is.

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