To Whom Do You Listen?

Let me tell you about a little girl who was born into a very poor family in a shack in the backwoods of Tennessee. She was the 20th of 22 children, prematurely born and frail. Her survival was doubtful. When she was 4 years old, she had double pneumonia and scarlet fever-a deadly combination that left her with a paralysed and useless left leg. She had to wear an iron leg brace. Yet she was fortunate in having a mother who encouraged her.
Well, this mother told her little girl, who was very bright, that despite the brace and the leg, she could do whatever she wanted to do with her life. She told her that all she needed to do was to have faith, persistence, courage and an indomitable spirit.
So at nine years of age, the little girl removed the leg brace and took the step the doctors told her she would never take normally. In four years, she developed a rhythmic stride, which was a medical wonder. Then this girl got the notion, the incredible notion that she would like to be the worlds greatest runner. Now, what could she mean — be a runner with a leg like that ?
At age 13, she entered a race. She came in last—–way, way last. She entered every race in high school, and in every race she came in last. Everyone begged her to quit. However, one day, she came in next to last. And then there came a day when she won a race. From then on, Wilma Rudolph won every race she entered.
Wilma went to Tennessee State University, where she met a coach named Ed Temple. Coach Temple saw the indomitable spirit of the girl, that she was a believer and that she had great natural talent. He trained her so well that in 1960 she went to the Olympic Games in Rome. There she was pitted against the greatest female runner of the day, a German girl named Jutta Heine.
Nobody had ever beaten Jutta. But in the 100 metre sprint Wilma Rudolph won. She beat Jutta again in the 200 metres.Wilma had just earned 2 Olympic gold medals. Finally came the 400 metre relay. It would be Wilma against Jutta once again.The first 2 runners on Wilma’s team made perfect handoffs with the baton. But when the 3rd handed the baton to Wilma, she was so excited she dropped it, and Wilma saw Jutta taking off down the track.
It was impossible that anybody could catch this fleet and nimble girl. But Wilma did just that! Wilma Rodolph had earned her 3rd Olympic Gold Medal.That day she made history as she became the first woman ever to win three gold medals in the same Olympic Games. And they said she would never walk again……… !
Do you have someone telling you that you cannot do or achieve something that you really want to do?
Well, who do you believe?

Wilma Rudolph
Wilma Rudolph

You and The Banks

It’s interesting how things happen. A few days ago I received the below message about what to do to stand against the bank rip offs and not be part of their game. Then today I see on Facebook an ad asking for people to protest the fact that Westpac have just declared their highest ever profit but are crying poor, as well they should with their off-balance-sheet exposure to worthless derivatives and the fact that the government guarantee runs out so the next lot of borrowing without the government guarantee securing it will cost them double the interest that the last lot did.

The following is a strategy laid out by an financial insider who laid out a simple approach that any single person could apply in order to hit back at all the criminal financial activities that we are forced to put up with by using the financial system against them.

Sounds good…..ehhh!

Besides, the obvious, of just moving your money entirely out of the BIG FAT CAT BANKS, into the smaller communal banks, credit unions or similar bank.

This alone sends them a message, but if you have:

A Personal Loan
A home loan
Credit Card
Line of Credit
Car, boat or bike loan etc, etc.

Then there is a simple method of not only hitting the banks where it hurts them the most, their back pockets, but you can save yourself a bunch of money in the process.

Simply put, if each and every person reading this, decided to transfer all their existing loans and credit cards over to a smaller bank or union, such as the local Credit Union and in the process, negotiating a better long term rate with the new bank as most of these banks and credit unions actually want your business and to work with you, then you have not only taken action that will ultimately hurt the big guys, but will benefit you, your family, your local community and the personnel who work at these banks that actually give a crap about their customers.


It actually gets much better for those who have credit cards and are paying the exorbitant interest rates being charged by the BIG BANKS.

The opportunity to discuss a personal loan or some similar loan with the smaller bank is not only welcomed, but with the current campaigns and sentiment against the larger profit driven banks, would play an advantage to you, as once again. The smaller banking institutions are only too eager to get NEW business and are prepared to bend over backwards to get it.

As long as you are able to sit down and speak with the right person at the new bank, and explain to them your discontent with your current financial relationships with the BIG BANKS, and that you are willing to do what it takes to move your business over to XYZ, and in return for doing so, expect to receive better rates and real customer care with REAL service.


Current Loans with your bank:

2 x Credit Cards = $15,000.00
Personal Loan = $25,000.00
Car Loan =$10,000.00
Total in loans =$50,000.00

Average Interest rate being paid = 14% or $7,000.00.

Same loans, at a better average interest rate of 12% would see an EXTRA $1,000.00 STAY in your pockets. Work out a better consolidation plan with your new friend at the local bank, and see even higher amounts of CASH stay with you and your family.

For example, roll all your debts into a credit line against your mortgage, and pay only 5,6 or 7 % in interest rates. It really doesn’t take a rocket scientist to see the savings you are going to make.

Sure. It is going to take time, and it’s going to be a pain in the back side, but, isn’t that worth sticking to these FAT CATS!

And sticking to them with the only vote that truly matters at the end of the day–by just walking yourself and your money right out of their banks.

And done right, with an overall reduction of interest being paid on your outstanding liabilities, you should see more of your money staying where it truly belongs….in your pockets.

Best of luck. Oh yeah…please help to spread this message to as many of your friends, family and associates.

There has never been a better time, to help the little people hit back at these TOO BIG to FAIL BANKS, and help end the financial crimes being perpetrated upon us all.

For all those under dogs around the globe.

End of Murdoch's Empire?

Looks like 29 people have now been charge with wrongdoings. They trod on one too many toes it seems. Here’s a petition if you are so inclined.

Breast Cancer Kills 40,000 Women a Year

Many profit from it without benefiting the cause. Wake up the world. Download your free copy of the Think Before You Pink Toolkit and put the tools of change in your hands.

UN World Survey

They say, “Many a true word spoken in jest!”
Here’s another…
Last month a world-wide telephone survey was conducted by the UN.
The only question asked was:
“Could you please give your honest opinion about solutions to the food
shortage in the rest of the world?”
The survey was a massive failure because of the following:
1. In Eastern Europe they didn’t know what “honest” meant.
2. In Western Europe they didn’t know what “shortage” meant.
3. In Africa they didn’t know what “food” meant.
4. In China they didn’t know what “opinion” meant.
5. In the Middle East they didn’t know what “solution” meant.
6. In South America they didn’t know what “please” meant.
7. In the USA they didn’t know what “the rest of the world” meant.
8. In Australia they hung up as soon as they heard the Indian accent.

A Story To Live By By Ann Wells (Los Angeles Times) September 7, 1999

My brother-in-law opened the bottom drawer of my sister’s bureau and lifted out a tissue-wrapped package. “This,” he said, “is not a slip. This is lingerie.” He discarded the tissue and handed me the slip. It was exquisite; silk, handmade and trimmed with a cobweb of lace. The price tag with an astronomical figure on it was still attached. “Jan bought this the first time we went to New York, at least 8 or 9 years ago. She never wore it. She was saving it for a special occasion.
Well, I guess this is the occasion.” He took the slip from me and put it on the bed with the other clothes we were taking to the mortician. His hands lingered on the soft material for a moment, then he slammed the drawer shut and turned to me. “Don’t ever save anything for a special occasion. Every day you’re alive is a special occasion.”
I remembered those words through the funeral and the days that followed when I helped him and my niece attend to all the sad chores that follow an unexpected death. I thought about them on the plane returning to California from the Midwestern town where my sister’s family lives. I thought about all the things that she hadn’t seen or heard or done. I thought about the things that she had done without realizing that they were special. I’m still thinking about his words, and they’ve changed my life. I’m reading more and dusting less. I’m sitting on the deck and admiring the view without fussing about the weeds in the garden. I’m spending more time with my family and friends and less time in committee meetings.
Whenever possible, life should be a pattern of experience to savour, not endure. I’m trying to recognize these moments now and cherish them. I’m not “saving” anything; we use our good china and crystal for every special event such as losing a pound, getting the sink unstopped, the first camellia blossom. I wear my good blazer to the market if I like it. My theory is if I look prosperous, I can shell out $28.49 for one small bag of groceries without wincing. I’m not saving my good perfume for special parties; clerks in hardware stores and tellers in banks have noses that function as well as my partygoing friends. “Someday” and “one of these days” are losing their grip on my vocabulary. If it’s worth seeing or hearing or doing, I want to see and hear and do it now.
I’m not sure what my sister would’ve done had she known that she wouldn’t be here for the tomorrow we all take for granted. I think she would have called family members and a few close friends. She might have called a few former friends to apologize and mend fences or past squabbles. I like to think she would have gone out for a Chinese dinner, her favorite food. I’m guessing – I’ll never know. It’s those little things left undone that would make me angry if I knew that my hours were limited. Angry because I put off seeing good friends whom I was going to get in touch with – someday. Angry because I hadn’t written certain letters that I intended to write – one of these days. Angry and sorry that I didn’t tell my husband and daughter often enough how much I truly love them. I’m trying very hard not to put off, hold back, or save anything that would add laughter and luster to our lives. And every morning when I open my eyes, I tell myself that it is special. Every day, every minute, every breath truly is… a gift from God.

The Latest Risky Fad to Hit Your Child's Pediatrician's Office

The American Academy of Pediatrics (AAP) is now giving their seal of approval for physicians, particularly pediatricians, to offer vaccinations to parents and close family members of babies who are too young to receive the immunizations themselves.

Ginkgo May Soothe Dementia Symptoms

People with dementia suffer from more than just memory loss: they suffer from irritability, sleep disturbances, depression and more. While few medications fully relieve such symptoms, a study in Neuropsychiatric Disease and Treatment found that an extract of the herb ginkgo biloba might be one natural option for relief.
For 24 weeks, 410 participants with mild to moderate dementia were randomly assigned to a daily placebo or 240 mg of ginkgo biloba extract (EGb761®), a product made by the company that commissioned the study.
Participants were given a questionnaire that evaluates dementia symptoms and the participants’ caregivers filled out questionnaires about their level of distress. Participants were not taking medications for dementia. Results showed:
Participants in the ginkgo group experienced small but statistically significant improvements in symptoms such as sleep disturbances, indifference, irritability, depression and motor behaviours compared with the placebo group.
Interestingly, caregivers’ distress also improved in the ginkgo group but not in the placebo group. Possibly because improvements experienced by the participants also improved the lives of the people caring for them.
The study authors comment that in people with dementia, such symptoms may result in “long-term hospitalisation, increased use of medication and a decrease in quality of life for patients and caregivers.” They suggest that ginkgo may be one alternative for providing relief. Large clinical trials are needed to confirm these findings.
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