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	<title>Carpe Diem &#187; life</title>
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		<title>Carpe Diem &#187; life</title>
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		<title>La fuerza de tu subconsciente &#8211; THE POWER  OF YOUR  SUBCONSCIOUS MIND</title>
		<link>http://alojeda81.wordpress.com/2007/10/06/the-power-of-your-subconscious-mind/</link>
		<comments>http://alojeda81.wordpress.com/2007/10/06/the-power-of-your-subconscious-mind/#comments</comments>
		<pubDate>Sat, 06 Oct 2007 14:23:52 +0000</pubDate>
		<dc:creator>alojeda81</dc:creator>
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		<description><![CDATA[SUBCONSCIENTE- Es un antiguo término utilizado en psicología para designar, el estado mental que es débilmente consciente,y para lo que se halla por debajo del umbral de la conciencia actual o es incluso inaccesible a ésta; en realidad actualmente su uso es más del lenguaje lego que del léxico psicológico, en una comparación con la [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=alojeda81.wordpress.com&blog=342439&post=209&subd=alojeda81&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<div class='snap_preview'><br /><p>SUBCONSCIENTE- Es un antiguo término utilizado en psicología para designar, el estado mental que es débilmente consciente,y para lo que se halla por debajo del umbral de la conciencia actual o es incluso inaccesible a ésta; en realidad actualmente su uso es más del lenguaje lego que del léxico psicológico, en una comparación con la teoría psicoanalítica de Sigmund Freud, se podría equiparar con el Preconsciente que fue uno de los elementos fundamentales de la primera tópica del aparato psíquico: La psicología actual lo descarta, centrándose sólo en la existencia de la consciencia y la inconsciencia.</p>
<p>Del subconsciente es poco lo que se sabe. Algunos piensan que alberga los secretos de nuestra mente; pues bien es nuestro subconsciente quien hace que soñemos cuando dormimos, quien hace las imagenes. Si es capaz de hacer esto en estado subconsciente, ¿que extraordinarias cosas podria hacer si estuviese activo y no inactivo?</p>
<ol>
<li>  La verdad esta dentro de ti. Busca en ti mismo la respuesta a los deseos de tu corazon</li>
<li> Cada pensamiento es una causa, y cada condicion es un efecto</li>
<li> Cambia tu forma de pensar y cambiaras tu destino</li>
<li>Tu subsconciente controla todo el proceso vital de tu cuerpo y sabe la respuesta a todos los problemas</li>
<li> Carga tu subsconciente con la tarea de desarrollar una respuesta a cualquier problema antes de dormir y te respondera</li>
<li> Tu construyes un nuevo cuerpo cada once meses. cambia tu cuerpo, cambiando tus pansamientos y mantenlos cambiados</li>
<li> Nunca digas : &#8221; No puedo&#8221;. Desaparece ese temor sustituyendolo por lo siguiente: &#8221; yo puedo hacerlo todo a traves de mi propio subsconciente&#8221;</li>
<li> Piensa un plan independiente de metodos tradicionales. Debes saber que siempre hay una respuesta y una solucion a cada problema</li>
<li> Exito significa una vida exitosa. cuando tu vives en paz contigo mismo, alegre, feliz y haces lo que te gusta hacer, tu eres exitoso</li>
<li>La imaginacion es tu mas poderosa facultad.  Imagina que tu vida es lo mejor. Tu eres lo que tu te imaginas como eres</li>
</ol>
<p>1. The treasure house is within you. Look within for the answer to your heart&#8217;s desire.</p>
<p>2. Every thought is a cause, and every condition is an effect.</p>
<p>3. Change your thoughts, and you change your destiny.</p>
<p>4. Your subconscious mind controls all the vital processes of your body and knows the answer to all problems.</p>
<p>5. Charge your subconscious with the task of evolving an answer to any problem, prior to sleep, and it will answer you.</p>
<p>6. You build a new body every eleven months. Change your body by changing your thoughts and keep them changed.</p>
<p>7. Never say, &#8220;I can&#8217;t.&#8221; Overcome that fear by substituting the following : &#8220;I can do all things through the power of my own subconscious mind.&#8221;</p>
<p>8. Think and plan independently of traditional methods. Know that there is always an answer and a solution to every problem.</p>
<p>9. Success means successful living. When you are peaceful, happy, joyous, and doing what you love to do, you are successful.</p>
<p>10. The power of sustained imagination draws forth the miracle-working powers of your subconscious mind.</p>
<p>11. Imagination is your most powerful faculty. Imagine what is lovely and of good report. You are what you imagine youself to be.</p>
<p>12. Your conscious mind is the camera, and your subconscious mind is the sensitive plate on which you register or impress the picture.</p>
<p>By JOSEPH MURPHY Ph.D, DRS, LL.D. (1898 &#8211; 1981)</p>
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		<title>Citas &#8211; Quotes</title>
		<link>http://alojeda81.wordpress.com/2007/10/03/quotes/</link>
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		<pubDate>Wed, 03 Oct 2007 20:09:04 +0000</pubDate>
		<dc:creator>alojeda81</dc:creator>
				<category><![CDATA[Tips y Consejos]]></category>
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		<description><![CDATA[Algunas veces el corazon ve lo que nuestros ojos no pueden ver.
Sometimes the heart sees, what the eyes can&#8217;t
&#8230;&#8230;&#8230;&#8230;
Muy a menudo no nos damos cuenta de lo que tenemos hasta que se ha ido &#8230;
Muy a menudo esperamos mucho para decir &#8221;lo siento &#8230;. estaba equivocado&#8221;
Algunas veces parece que herimos a las personas que mas queremos y permitimos que pequeñas tonterias separen nuestras vidas
Muchas veces permitimos cosas sin importancia dentro de nuestras mentes  y entonces es demasiado tarde para ver lo que nos hizo estar ciegos
Asegurate de decirle a las personas lo que piensas de ellos y decirle a las personas
que amas lo mucho que significan para ti
Tomate tu tiempo para hacerlo antes de que pase el tiempo
Asegurate de que aprecias todo lo que tienes y agradece a Dios por ello
y se agradecido por las pequeñas cosas que significan mucho
Too often we don&#8217;t realize what we  have until it is gone &#8230;
Too often we wait too late to say &#8220;I am [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=alojeda81.wordpress.com&blog=342439&post=208&subd=alojeda81&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<div class='snap_preview'><br /><p>Algunas veces el corazon ve lo que nuestros ojos no pueden ver.</p>
<p>Sometimes the heart sees, what the eyes can&#8217;t</p>
<p>&#8230;&#8230;&#8230;&#8230;</p>
<p>Muy a menudo no nos damos cuenta de lo que tenemos hasta que se ha ido &#8230;</p>
<p>Muy a menudo esperamos mucho para decir &#8221;lo siento &#8230;. estaba equivocado&#8221;</p>
<p>Algunas veces parece que herimos a las personas que mas queremos y permitimos que pequeñas tonterias separen nuestras vidas</p>
<p>Muchas veces permitimos cosas sin importancia dentro de nuestras mentes  y entonces es demasiado tarde para ver lo que nos hizo estar ciegos</p>
<p>Asegurate de decirle a las personas lo que piensas de ellos y decirle a las personas</p>
<p>que amas lo mucho que significan para ti</p>
<p>Tomate tu tiempo para hacerlo antes de que pase el tiempo</p>
<p>Asegurate de que aprecias todo lo que tienes y agradece a Dios por ello</p>
<p>y se agradecido por las pequeñas cosas que significan mucho</p>
<p>Too often we don&#8217;t realize what we  have until it is gone &#8230;</p>
<p>Too often we wait too late to say &#8220;I am sorry &#8230; i was wrong&#8221;</p>
<p>Sometimes it seems we hurt the ones, we hold dearest to ours hearts&#8230;</p>
<p>And we allow foolish things to tear our lives apart</p>
<p>For too many times we let unimportant things into our minds</p>
<p>And then its usually too late to see what made us blind</p>
<p>So be sure that you let people know how much they mean to you</p>
<p>Take time to say the words before your time is through</p>
<p>Be sure that you appreciate everything you have got</p>
<p>And be thankful for the little things that mean a lot</p>
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		<title>Forever Friendship</title>
		<link>http://alojeda81.wordpress.com/2007/10/03/forever-friendship/</link>
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		<pubDate>Wed, 03 Oct 2007 19:06:12 +0000</pubDate>
		<dc:creator>alojeda81</dc:creator>
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		<description><![CDATA[Sometimes in Life, you find a special friend
someone who changes your life just by being part of it
someone who makes you laugh until you can&#8217;t stop;
someone who makes you believe that there really is God in the world
someone who convince you that there really is an unlocked door just waiting for you to open it.
This [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=alojeda81.wordpress.com&blog=342439&post=207&subd=alojeda81&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<div class='snap_preview'><br /><p>Sometimes in Life, you find a special friend</p>
<p>someone who changes your life just by being part of it</p>
<p>someone who makes you laugh until you can&#8217;t stop;</p>
<p>someone who makes you believe that there really is God in the world</p>
<p>someone who convince you that there really is an unlocked door just waiting for you to open it.</p>
<p>This is forever Friendship</p>
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		<title>Remember to appreciate all the different people in your life.</title>
		<link>http://alojeda81.wordpress.com/2007/09/28/remember-to-appreciate-all-the-different-people-in-your-life/</link>
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		<pubDate>Fri, 28 Sep 2007 13:18:10 +0000</pubDate>
		<dc:creator>alojeda81</dc:creator>
				<category><![CDATA[Ingles]]></category>
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		<description><![CDATA[A water bearer in China had two large pots, each hung on the ends of a pole which he carried across his neck. One of the pots had a crack in it, while the other pot was perfect and always delivered a full portion of water.
At the end of the long walk from the stream [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=alojeda81.wordpress.com&blog=342439&post=205&subd=alojeda81&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<div class='snap_preview'><br /><p>A water bearer in China had two large pots, each hung on the ends of a pole which he carried across his neck. One of the pots had a crack in it, while the other pot was perfect and always delivered a full portion of water.<br />
At the end of the long walk from the stream to the House, the cracked pot arrived only half full. For a full two years this went on daily, with the bearer delivering only one and a half pots full of water to his house.<br />
Of course, the perfect pot was proud of its accomplishments, perfect for which it was made. But the poor cracked pot was ashamed of it&#8217;s own imperfection. And miserable that it was able to accomplish only half of what it had been made to do.<br />
After two years of what it perceived to be a bitter failure, it spoke to the water bearer one day by the stream. &#8220;I am ashamed of myself, and I want to apologize to you. I have been able to deliver only half my load because this crack in my side causes water to leak out all the way back to your house. Because of my flaws, you have to do all of this work, and you don&#8217;t get full value from your efforts,&#8221; the pot said.</p>
<p>The bearer said to the pot, &#8220;Did you notice that there were flowers only on your side of the path, but not on the other pot&#8217;s side? That&#8217;s because I have always known about your flaw. So I planted flower seeds on your side of the path, and every day while we walk back, you&#8217;ve watered them. For two years I have been able to pick these beautiful flowers to decorate the table. Without you being just the way you are, there would not be this beauty to grace the house?</p>
<p>Each of us has our own unique flaws. We&#8217;re all cracked pots. But it&#8217;s the cracks and flaws we each have that make our lives together so very interesting and rewarding. You&#8217;ve just got  to take each person for what they are, and look for the good in them. Blessed are the flexible, for they shall not be bent out of shape.</p>
<p>Remember to appreciate all the different people in your life.</p>
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		<title>Links interesantes</title>
		<link>http://alojeda81.wordpress.com/2007/09/28/links-interesantes/</link>
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		<pubDate>Fri, 28 Sep 2007 00:09:26 +0000</pubDate>
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		<guid isPermaLink="false">http://alojeda81.wordpress.com/2007/09/28/links-interesantes/</guid>
		<description><![CDATA[www.bloglines.com - Como buscar millones de articulos
Consejos para dormir lo justo
www.facebook.com - Facebook es una Web social que conecta a las personas con amigos que trabajan, estudian y viven en un mismo lugar
www.adoos.com &#8211;  Anuncios clasificados gratis
La hora Mundial &#8211; Cual es la hora en &#8230;
Here are the 16 rules I try to live [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=alojeda81.wordpress.com&blog=342439&post=204&subd=alojeda81&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<div class='snap_preview'><br /><p><a href="http://www.bloglines.com/">www.bloglines.com </a>- Como buscar millones de articulos<br />
<a href="http://www.microsiervos.com/archivo/ciencia/dormir-lo-justo.html">Consejos para dormir lo justo</a><br />
<a href="http://www.facebook.com/">www.facebook.com </a>- Facebook es una Web social que conecta a las personas con amigos que trabajan, estudian y viven en un mismo lugar<br />
<a href="http://www.adoos.com">www.adoos.com</a> &#8211;  Anuncios clasificados gratis<br />
<a href="http://www.timeanddate.com/worldclock/">La hora Mundial</a> &#8211; Cual es la hora en &#8230;<br />
<a href="http://www.profitwar.com/16-rules.htm">Here are the 16 rules I try to live by</a><br />
<a href="http://meneame.net/search/radio%20aprender%20ingles">Como Aprender ingles</a><br />
<a href="http://www.wired.com/techbiz/people/magazine/15-10/ff_allen?currentPage=all">Getting Things Done Guru David Allen and His Cult of Hyperefficiency</a><br />
<a href="http://www.populair.eu/">A lot of links &#8211; www.populair.eu/</a></p>
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		<title>Amplían Canal de Panamá</title>
		<link>http://alojeda81.wordpress.com/2007/09/05/amplian-canal-de-panama/</link>
		<comments>http://alojeda81.wordpress.com/2007/09/05/amplian-canal-de-panama/#comments</comments>
		<pubDate>Wed, 05 Sep 2007 04:44:20 +0000</pubDate>
		<dc:creator>alojeda81</dc:creator>
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		<description><![CDATA[EFE
Una torrencial tormenta siguió ayer a la explosión con la que se iniciaron las obras de ampliación del Canal de Panamá, que no hubieran sido posibles durante la administración de Estados Unidos, según dijo Jimmy Carter, suscriptor de los tratados que entregaron el control de la vía interoceánica a este país.
El ex presidente de Estados [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=alojeda81.wordpress.com&blog=342439&post=203&subd=alojeda81&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<div class='snap_preview'><br /><p>EFE</p>
<p>Una torrencial tormenta siguió ayer a la explosión con la que se iniciaron las obras de ampliación del Canal de Panamá, que no hubieran sido posibles durante la administración de Estados Unidos, según dijo Jimmy Carter, suscriptor de los tratados que entregaron el control de la vía interoceánica a este país.</p>
<p>El ex presidente de Estados Unidos (1977-81), orador invitado en la ceremonia, que coincide con el 30 aniversario de la firma de los tratados, el 7 de setiembre de 1977, aseguró que &#8220;el Canal se ha operado mejor desde que fue devuelto a los panameños&#8221;.</p>
<p>&#8220;Estoy orgulloso y muy satisfecho de la eficacia con la que los panameños administran el Canal&#8221;, declaró Carter ante unos 30,000 asistentes y los presidentes de Colombia, Álvaro Uribe; Nicaragua, Daniel Ortega; Honduras, Manuel Zelaya, y El Salvador, Elías Antonio Saca.</p>
<p>Estados Unidos, que construyó y gobernó el canal hasta el 2000, cedió la soberanía a Panamá ese año, gracias a los tratados firmados por Carter y el entonces jefe de gobierno panameño, general Omar Torrijos.</p>
<p>&#8220;Esa fue la gestión más importante y difícil de mi presidencia, pero la más gratificante&#8221;, señaló Carter, quien recordó la labor y tesón de Omar Torrijos, a quien llamó el &#8220;verdadero artífice&#8221; de los tratados sobre el Canal y representante de &#8220;un pueblo orgulloso&#8221;.</p>
<p>El presidente de Panamá, Martín Torrijos, hijo del general que suscribió con Carter los mencionados tratados y que falleció en un accidente aéreo en 1982, recordó emocionado a su padre.</p>
<p>Destacó además la &#8220;extraordinaria valentía personal&#8221; de Carter en su contribución para acabar &#8220;con una injusticia histórica&#8221;, en referencia a la concesión a perpetuidad a Estados Unidos de la vía acuática.</p>
<p>Claves</p>
<p>INGRESOS. Desde que Panamá administra el Canal, los ingresos que ha aportado anualmente al Estado se calculan en 2.277 millones de dólares, 21 por ciento más que los 1.877 que se entregaban durante los 85 años de administración estadounidense.</p>
<p>METAS. Se removerán 7,4 millones de metros cúbicos de tierra que se utilizarán en las obras de ampliación, que se completarán hasta 2014 y tienen como objetivo duplicar el tráfico por el Canal.</p>
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		<title>Malibu Beach Resort</title>
		<link>http://alojeda81.wordpress.com/2007/09/03/malibu-beach-resort/</link>
		<comments>http://alojeda81.wordpress.com/2007/09/03/malibu-beach-resort/#comments</comments>
		<pubDate>Mon, 03 Sep 2007 15:59:30 +0000</pubDate>
		<dc:creator>alojeda81</dc:creator>
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		<description><![CDATA[
www.homeswaiting.com
Malibu Beach Resort is surrounded by natural area of more than 469 acres. Eco park with more than 60% of its land destined to green areas makes this location a very pleasant and quiet place to live. The landscape is exceptional, particularly stunning are the panoramic views of the ocean, Cerro Chame and Central Mountains. [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=alojeda81.wordpress.com&blog=342439&post=188&subd=alojeda81&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<div class='snap_preview'><br /><p><a HREF="http://alojeda81.files.wordpress.com/2007/04/malibu1.jpg" TITLE="malibu1.jpg"><img SRC="/files/2007/04/malibu1.thumbnail.jpg" ALT="malibu1.jpg" /></a><a HREF="http://alojeda81.files.wordpress.com/2007/04/malibu2.jpg" TITLE="malibu2.jpg"><img SRC="/files/2007/04/malibu2.thumbnail.jpg" ALT="malibu2.jpg" /></a><a HREF="http://alojeda81.files.wordpress.com/2007/04/malibu12.jpg" TITLE="malibu12.jpg"><img SRC="/files/2007/04/malibu12.thumbnail.jpg" ALT="malibu12.jpg" /></a></p>
<p><a HREF="http://homeswaiting.com">www.homeswaiting.com</a><br />
Malibu Beach Resort is surrounded by natural area of more than 469 acres. Eco park with more than 60% of its land destined to green areas makes this location a very pleasant and quiet place to live. The landscape is exceptional, particularly stunning are the panoramic views of the ocean, Cerro Chame and Central Mountains. Lots from 6,458 ft2 Villas from 969 ft2 Apartments from 1,291 ft2</p>
<p>Ask a question to an Expert <a HREF="mailto:andrey.udolkin@incareg.com">E-mail to <strong>andrey.udolkin@incareg.com</strong></a></p>
<p>Andrey Udolkin<br />
Senior Sales Agent<br />
Office: 212-203-0979<br />
Mobile: 347-558-2850</p>
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		<title>Investment Tips for Beginners</title>
		<link>http://alojeda81.wordpress.com/2007/07/21/investment-tips-for-beginners/</link>
		<comments>http://alojeda81.wordpress.com/2007/07/21/investment-tips-for-beginners/#comments</comments>
		<pubDate>Sat, 21 Jul 2007 04:04:02 +0000</pubDate>
		<dc:creator>alojeda81</dc:creator>
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		<guid isPermaLink="false">http://alojeda81.wordpress.com/2007/06/09/investment-tips-for-beginners/</guid>
		<description><![CDATA[From the page www.associatedcontent.com
Ever wanted to start investing your money, but didn&#8217;t know how to go about it? Did you try to do some research, but found the information hard to understand? Here are some simple tips in plain English to help the beginner investor get started:
1. Pay Yourself First. The biggest mistake Americans make [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=alojeda81.wordpress.com&blog=342439&post=195&subd=alojeda81&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<div class='snap_preview'><br /><p>From the page <a href="http://www.associatedcontent.com/article/105476/investment_tips_for_beginners.html">www.associatedcontent.com</a></p>
<p>Ever wanted to start investing your money, but didn&#8217;t know how to go about it? Did you try to do some research, but found the information hard to understand? Here are some simple tips in plain English to help the beginner investor get started:</p>
<p><u><strong>1. Pay Yourself First.</strong></u> The biggest mistake Americans make is not paying themselves before they pay their bills. If you don&#8217;t pay yourself first, you probably won&#8217;t at all. Start saving 10% of your paycheck each week so you can have some money to invest. It may not seem like much at first, but you have to start some where.</p>
<p><u><strong>2. Be Divested. </strong></u>In other words, diversify. Make sure you have some money that you can get your hands on quickly in case of emergency. This is called short term investing. You also want some money in long term stocks. Stocks have the chance of making the highest interest. With stocks you always have the chance of losing your money. That is why you need to be balanced. So place some of your money in short term investments and some in long term investments.</p>
<p><a href="http://homeswaiting.com">Real Estate Investments</a> Panama Real Estate www.homeswaiting.com</p>
<p><span id="more-195"></span></p>
<p><u><strong>3. Don&#8217;t ever invest money you can&#8217;t afford to lose.</strong></u> <a href="http://www.associatedcontent.com/theme/845/stocks.html" title="stocks" class="link">Stocks</a> are risky business. It&#8217;s better that you go in to investing with this knowledge so you are not disappointed if things go sour. This is especially important in the beginning, while you are still learning.</p>
<p><u><strong>4. Start learning online. </strong></u>It is much easier to buy and sell at home now then it use to be twenty years ago. You can also save yourself a lot of money. You may pay $7.00 online to trade verses the $40.00 you&#8217;d pay a broker. Be smart about it. Start taking online courses and follow them. There are even online games so you can see what would happen first before you actually spend your hard earned money. It&#8217;s kind of like a virtual game if you will.</p>
<p><u><strong>5. Stick with well traded companies. </strong></u>You don&#8217;t want to start out with an unknown company that ends up going belly up and leaving you high and dry. You can minimize your risk by sticking with companies that have been around for awhile.</p>
<p><u><strong>6. Look in to owning foreign currencies.</strong></u> The American dollar value is dropping and will continue to do so for quite some time. There are websites which can compare currencies and their values for you. Try doing a search with one of your favorite search engines.</p>
<p><u><strong>7. Invest in Real Estate. </strong></u>Real Estate is probably one of the easiest ways for someone to begin investing their money. First you could buy a property to rent out. The tenant income will pay for the property and you can always sell it ahead of time if you need to. Second, you can purchase a little fixer upper, fix it up, and sell it for a profit. Contact your local <a href="http://www.homeswaiting.com/"></a>Real Estate agent to find out what is available and get a list of all your options.</p>
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		<title>Investments for Beginners</title>
		<link>http://alojeda81.wordpress.com/2007/06/09/investments-for-beginners/</link>
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		<pubDate>Sat, 09 Jun 2007 03:19:39 +0000</pubDate>
		<dc:creator>alojeda81</dc:creator>
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		<description><![CDATA[From the page http://www.stretcher.com
Could you please do an article on where to save? I have finally gotten my budget intact, and am saving up money with every single paycheck. The problem is, I don&#8217;t know where to put the savings because I&#8217;m planning to attend college full time next year. There are several different methods [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=alojeda81.wordpress.com&blog=342439&post=194&subd=alojeda81&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<div class='snap_preview'><br /><p>From the page <a href="http://www.stretcher.com">http://www.stretcher.com</a></p>
<p>Could you please do an article on where to save? I have finally gotten my budget intact, and am saving up money with every single paycheck. The problem is, I don&#8217;t know where to put the savings because I&#8217;m planning to attend college full time next year. There are several different methods to save your money out there. I&#8217;m considering mutual funds, because they seem to pay off really well, but are there maybe some alternatives that I am missing out on??<br />
Thanks.<br />
Scott</p>
<p>Scott asks a good question. After you&#8217;ve begun to accumulate some savings, what do you do with them? Although there&#8217;s no one answer that&#8217;s perfect for every reader, we can work with some ideas that will simplify matters for you.</p>
<p>First, you need to do what Scott has done. That is to decide what you want to happen. And &#8216;making more money&#8217; isn&#8217;t an acceptable answer. You need to have some idea when you could need the money back. If you&#8217;ll need it for college next year, you&#8217;re going to be limited to investments that make it certain that your money will be there when you want it. If, on the other hand, you&#8217;re saving for retirement fifteen years down the road you can afford to take a little risk that you might even lose money in some years.</p>
<p>Next, consider your ability to take risk. There are two components that determine how much risk you should assume. We just looked at one, how soon will you need the money. The more time you have before you expect to need the money, the greater the risk you can take. If you don&#8217;t need the money for ten years and your investment loses money one year but gains the other nine it&#8217;s not a big deal. If, however, you&#8217;ll need the money next year you don&#8217;t have that luxury.</p>
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<p>The other consideration on risk is your own personality. Some people are mountain climbers. Others prefer a day at the beach. If you&#8217;re a cautious person you won&#8217;t be comfortable with a risky, high flying investment. Even if the investment does well, the sleepless nights and money you&#8217;ll spend on ulcer medicine will make it unsuitable for you!</p>
<p>Finally, will you have all of the money to invest at one time? Or do you plan on saving $50 a month? Also consider how you will ultimately use the money. Will you want it all at once to buy a house? Or will you be using the money a little at a time when you&#8217;re retired?</p>
<p>Knowing this will help you select the right investment. For instance, if you&#8217;re saving $50 a month you won&#8217;t be buying individual stocks. Commissions will take all your money. CD&#8217;s aren&#8217;t practical, either. You&#8217;ll need to consider savings accounts, money funds or mutual funds.</p>
<p>By comparison, if you&#8217;ve just received an inheritance of $20,000 and want to use that as a down payment for a house in two years you&#8217;ll be able to consider individual stocks, bonds, CD&#8217;s, treasury bills and notes. All of these investments require a sizable investment to be made at one time and sold or redeemed in one transaction.</p>
<p>Now let&#8217;s talk a little bit about the vehicle for your investment. You must remember to separate what you&#8217;re investing in from how you&#8217;re investing in it. What does that mean? Let&#8217;s take a simple case that demonstrates how there can be confusion. One of the things that you can invest in is ownership of companies. One way to do that is to open your own restaurant. Another way is to buy a mutual fund that buys common stocks. In both cases you own either part or all of a business and would expect to benefit if the business does well.</p>
<p>On the most basic level, there are really only four kinds of investments. You can be a business owner (called equity). You would expect to make money if the business prospers. Typically, you&#8217;ll find that this type of investment is best if you have a longer term view. Owning a piece of the action is called for if you believe in the future of the business, industry and/or economy generally.</p>
<p>Another way to invest your money is to loan it to someone for interest. Here you give them a dollar today with the expectation that they will give you $1.05 or $1.10 later. It could be a loan to your brother-in-law or a bond issued by General Motors.</p>
<p>When you consider a debt instrument (loaning your money) there are a number of different variables that will be important to you. Safety, for instance. Money loaned to the US Treasury should be safe. Your brother-in-law will not be so safe. Typically you can expect to earn more interest from a borrower who is less safe. You&#8217;ll need to balance the interest you earn with the risk of losing your money.</p>
<p>A key variable is the &#8216;term&#8217; of the loan. A certificate of deposit is for a relatively short period of time. A few months or years. By comparison, a corporate bond could be issued for 20 or even 30 years. You&#8217;ll find that shorter term loans are usually safer, but pay less interest. Again, there&#8217;s a number of different ways to make this kind of investment. You can buy individual CD&#8217;s or bonds. You can also buy a mutual fund that buys bonds.</p>
<p>A similar category is called &#8216;cash equivalents&#8217;. That&#8217;s where you loan your money for a short period of time (usually one year or less) and expect that your principal will be there whenever you want it without risk of loss. CD&#8217;s, savings accounts and money funds are good examples.</p>
<p>The last category is made up of &#8216;hard assets&#8217;. These are things that are usually found in the earth and/or cannot be easily reproduced by man. Gold, oil and real estate fall into the category. This type of investment will do better in inflationary times. Again, you can buy an ounce of gold or buy a mutual fund that invests in gold companies.</p>
<p>Most beginning investors should begin with cash equivalents until they have a fund big enough to meet unexpected family expenses. After that, you&#8217;ll want to begin with equity and debt investments. Finally, some hard assets for balance.</p>
<p>Although not the only good answer, mutual funds often are a good selection for beginning investors. Most make putting money in or taking it out in smaller amounts easy. Many mutual fund companies have choices in each of the categories making it easy to match your needs. Yes, there are an awful lot of funds to choose from. And yes, some are better than others. But that&#8217;s the subject for another column!</p>
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		<title>10 pasos para una entrevista exitosa</title>
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		<pubDate>Sat, 03 Mar 2007 02:02:48 +0000</pubDate>
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		<description><![CDATA[
Llegue a tiempo
Presentese a si mismo de manera cortes
Lea informacion de la empresa mientras espera la entrevista
De la mano firmemente y mire a los ojos de su entrevistador, de esta manera demostraras seguridad en ti mismo.
Escuche atentamente
Use lenguaje corporal para mostrar interes
Sonria, haga gestos de aceptacion y entendimiento, a lo que dice el entrevistador
Pregunte acerca [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=alojeda81.wordpress.com&blog=342439&post=139&subd=alojeda81&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<div class='snap_preview'><br /><ol>
<li>Llegue a tiempo</li>
<li>Presentese a si mismo de manera cortes</li>
<li>Lea informacion de la empresa mientras espera la entrevista</li>
<li>De la mano firmemente y mire a los ojos de su entrevistador, de esta manera demostraras seguridad en ti mismo.</li>
<li>Escuche atentamente</li>
<li>Use lenguaje corporal para mostrar interes</li>
<li>Sonria, haga gestos de aceptacion y entendimiento, a lo que dice el entrevistador</li>
<li>Pregunte acerca de la siguiente etapa en el proceso</li>
<li>Agradezca al entrevistador, al terminar la entrevista</li>
<li>Escriba una carta de agradecimiento a cada una de las personas que lo entrevistaron</li>
</ol>
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