Posts Tagged ‘time’

Things to know about menopause-relief Products

If absolutely nothing looks to be proper a proper healthcare enable can be beneficial as it can enable you time to time. A gynecologist who has ample experience in this field can be consulted for greater consequence. The menopause totally impacts the endocrine glands which brings about the unbalance of the reproductive program. The alter varies from an individual individual to a different dependent on the body framework. Menozac is an useful menopause relief herbal supplement applied by women all around the planet.Menopause is a indication of outdated age for ladies. It means that their ovarian perform is at its stop. But in some cases, it occurs earlier to ladies additional normally throughout their midlife. This situation is very simple sufficient but it can be irritating for some as they may well really feel a good deal of symptoms together with it. When a woman is nearing her menopause or entering the stage of ending the ovarian cycle and fertility, she may well undergo from depression, insomnia, headache, sizzling flashes, evening sweats, fatigue and pounds obtain.

But there is nothing to be alarmed about because we can still find relief of the explained signs or symptoms. There are in fact females who do not obtain any side effects of menopause, and that it could possibly be just because of psychological causes that are associated to aged age. There are efficient medications in healing the signs and symptoms of menopause, but it is far better to remedy them naturally.Right here are the best normal menopause reliefs:Acupressure – this process is often truly worth the attempt. Experts say that acupressure method helps in the reduction of indicators of the situation these as insomnia, very hot flushes, evening sweats, mood swings and even pounds gain. Here, some acupressure factors are utilised to pinpoint the bring about of the signs and symptoms.Herbal Medicines – herbs are very practical in curing any sickness. Above the a long time, persons are however working with crucial herbs to treat various sorts of wellness problems. It also helps fight the signs or symptoms of menopause.? Agnus CastusThis herb has been utilized for the treatment of the basic female well being. What it does is nourish the pituitary glands that are controlling the center of the hormonal exercise. This is an example of herb that is incredibly practical for females for their hormonal issues.? Black CohoshThere are so a lot of illnesses that can be cured by this herb. It assists in the remedy of anxiousness, depression, scorching flushes, vaginal thinning and dryness. It is better than the standard HRT.? TheanineThis is herb is acknowledged to ease out the pressure that is related to menopause.? Milk ThistleThe milk thistle can support treatment the hormonal imbalance of girls during her paused ovarian cycle.Hormone alternative Treatment – the progesterone which is the bio-identical hormone is really valuable in the treatment of headache that is related with menopause. We can get this in a kind of cream which will be made use of to massage the head to relief headache. This is one particular of the most effective pure menopause reliefs that do the job directly with the hormones.Organic cures for the signs of menopause will continually be rather helpful. Most girls do not want to usually depend on medications mainly because what they are heading through is not truly an illness. Her advertising and marketing, producing and study capabilities merge to current info in a way to which audiences with a broad interests can relate.http://community.freshbooks.com/forums/profile.php?section=personality&id=69990http://spaceelephant.com/pg/profile/martinwheele614http://www.pcn-e.com/community/pg/profile/christinabar1025

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Top 5 Bad Parenting Habits to Break

Being a parent is not always easy. Not only is there a lot of responsibility that you must take care of but you must also set a good example for your children. You are the one they will learn from and children have a tendency of picking up many of their parent’s habits, both good and bad. Let’s face it, no one is perfect and everyone has some type of bad habit they need to break. Some of them are personal habits that won’t affect anyone else but when it comes to bad parenting habits, you may have a problem if you don’t get them under control.Top 5 bad parenting habits to break for the sake of your children:1. Yelling and screaming at your kids – It can be very difficult sometimes to not yell and scream at your children especially when you have told them the same thing over constantly and they act as if it’s new to them. This is frustration but you need to keep your cool. Yelling at your kids is teaching them that it’s appropriate to yell when they’re faced with emotional situations and nothing could be further from the truth. If you feel the need to yell, walk away for a few minutes or deal with the situation another day when you’ve had time to calm down. Learn to talk to your kids in a calm manner. Negotiate and find ways to solve the problem at hand and break the habit of yelling and screaming at your children.2. Ignoring or dismissing your child’s emotions – Some parents don’t realize that children have feelings too and they can be hurt very easily. Ignoring a child when they are trying to communicate with you can be very damaging. If they’re upset about something that happened at school or when visiting a friend, parents need to realize that this is the most important thing in that child’s life at this time, even if it seems like nothing to you.3. Nagging your children – Kids don’t always do what you want them to even though they know they should but nagging them is not the answer. If they won’t do their homework, try sitting aside a specific time just for homework each night. When they are done, they can have some free time before bed. If they won’t clean their room, give them specific jobs to do (based on age) and when they have completed these tasks, they can play or engage in other activities.4. Swearing in front of or to your children – This is a very bad habit that your children will pick up if you’re not careful. Just because they don’t swear in front of you, doesn’t mean they don’t do it in school or when visiting friends. After all, if mom and dad do it then it’s okay for them to, right?5. Breaking your promises – There will be times when you will break a promise or two that you made to your child. For example, you may promise to spend the day on the beach and an unexpected thunderstorm moves in and ruins the day. But breaking promises on a regular basis teaches mistrust the child may never get over. Don’t make promises you know you can’t keep. If you’re not sure, promise to do your best but make sure they understand it’s not a guarantee.No one ever said being a parent is easy and everyone makes mistakes. What’s important is how you deal with the mistakes you make. You need to learn from your mistakes and make changes to not continue making the same ones over and over again. That’s when you know you’re a good parent. If you have any of the bad parenting habits listed above, or any others, do your best to replace those bad habits with more positive ones that your child can benefit from. 

The Metaphysical View of Death and Life After Death Part 2

REVIEW OF LITERATURE When a Sadguru, or spiritual master first receives a novice or a candidate seeking Truth, one of the first steps that the master would assure himself is the sincerity and the purity of motive of the candidate requesting initiation into the mysteries. In order to augment or instill this sincerity and pure motive when absent, the master would speak to the candidate regarding death. The master would advise the candidate to contemplate upon the meaning of death and the opportunity that life provides. The master would refer to the fact that death often comes, stealth-like, at an unannounced moment; that to be engrossed with trivialities is to waste one’s life; that there are no guarantees in life except for death. The chela is made to ask, “what is the purpose of life if death cuts us down at our prime, leaving us with ambitions, aspirations and unfulfilled dreams? What is the purpose of life–and death, if we are not able to take along with us through the portals of death our prized possessions, our titles, our fame, our temporal power?”

The spiritual master would be quick to point out that the true purpose of life has very little to do with the earthly, evanescent riches or power that we acquire, it has more to do with the immaterial wealth that we take along with us–our knowledge; our memories; our improved karma, habits and character; and our spiritual and psychic development. Earthly acquisitions fail to offer any help to the one undergoing transition. We each face death alone; and in death, stripped of all mundane superficialities, we come to realize our own true worth. And so, the chela, with perhaps impure motives at the outset, comes to understand after some spiritual guidance, and a prolonged contemplation and analysis of death–as related to life–that the aim, purpose, importance and goal of personal existence in this physical sphere with its many opportunities are for gaining freedom, perfection, salvation, enlightenment, and the ascension. We should all be aware that death may come to us at any moment, this will motivate us to direct our minds into proper perspectives, and to get our priorities straight. To eat, drink, and be merry as advertisements tell us, as the philosophies of the fallen angels would have us learn, is to be sidetracked from occupying ourselves with our “Father’s business.” Like the disciple referred to above, in this paper it is our intention to delve into the nature of death and its process so that we will come to know a greater life, and appreciate its intrinsic value. We will also consider the nature of certain aspects of life after transition, for this expands our spiritual horizon, and it offers us a glimpse into man’s glorious future. Our main themes in this paper will be related to the following: 1) The survival of personal consciousness. 2) The process of transition. 3) The nature of life after so-called death. The Survival of Personal Consciousness The average person often wonders if consciousness survives death. We have commented and alluded previously on the indestructible nature of energy. There can, therefore, be no dissolution of the essence of Soul, or rather Spirit–not even through the process of transition. The forms, the structured energy-fields that the Spirit and Soul indwell and embody may change, but the essence, the spiritual aspect of the microcosm, the Monad, the SELF, is immortal. Religion, mysticism, and psychicism, refers to this verity. If a person is to know this particular truth of the survival of consciousness, he or she must learn to expand the consciousness and to spiritualize his or her mind in order to be aware and function consciously in the higher planes. Failure to realize spiritual verities label us as “dead”–a term referred to by the Piscean Master in the gospel narratives to people who are closed to the higher worlds and spiritual truths. People suffering from spiritual myopia live in physical tombs and not temples; such persons do not care much about the higher worlds and their relation to them; these individuals limit their awareness and deaden their consciousness in a three-dimensional slumber. Individuals with limited minds do not see the whole picture of life’s purpose. The writer of this paper firmly believes, or is convinced in the ability of consciousness to exist apart from the physical body. We had, personally, experienced many spontaneous astral projections, and many lucid dreams. Although experiences of astral projections may not objectively prove the survival of consciousness after death, it does give us some inkling of what it may be like to exist independently of the physical form; it also provides us with some reason for accepting the possibility and the high probability of the survival of consciousness. The reality and proof of the survival of personal consciousness itself may be acquired through one’s personal interaction and relationship with the so-called dead. This normally occurs unconsciously in one’s sleep and dreams, however, it may occur with full astral awareness or in the awaking consciousness. Lucid dreams are typical of the former type, whereas visitations or psychic materializations are of the latter. If we are able to contact the so-called dead who once were people living in the physical world and resume relationships with them, is this not proof that personal consciousness survives transition? Although this rhetorical-question is simplistic in form and incapable of offering positive proof regarding the survival of consciousness, being subjective in nature, and which does not carry any weight under scientific scrutiny, it does imply that some materialistically-oriented individuals are unwilling to attend to the reality experienced by others because of prejudice, pride, fear and cultural conditioning. How does the average man view death, what does he actually believe about it? Society has various beliefs concerning death, and what it entails, below are just some of these beliefs: 1) The cessation of consciousness and the annihilation of Self. 2) The termination of human relationships, and the loss of loved ones. 3) The termination of physical activities, of goals, ambitions and aspirations. 4) The passage into an unknown world or state of consciousness. 5) The facing of the Judgment and the accountability of one’s sins–the fear of eternal punishment in an everlasting hell, or in contrast, pleasure, rest and idleness in Paradise. 6) Physical, emotional, and mental agony in the death process. As we will see in later chapters, all of these beliefs are unfounded. The nature of life after transition is only unknown to those who do not seek to know. There is also no true severance of human relationships; and an eternal hell is non-existent, although a certain degree of pain and scorching may be experienced when impure substances present in the astral and mental bodies are removed by a purifying fire. Death is not the end of anything; it is a continuation of what has gone on before. Rumi, the Sufi poet, speaks of this truth in the following oft-quoted verse: “I died a mineral and became a plant; “I died a plant and rose an animal. “I died an animal and I was a man. “Why should I fear? When was I less by dying? “Yet once more I shall die as man, so to soar “With blessed angels; even from angelhood “I must pass on . . . “When I have sacrificed my angel soul, “I shall become that which no mind conceived.” The Process of Transition Transition is not simply the cessation of the intake of the breath or the circulation of the life-force. It is a process that involves the evacuation of the occult components within man’s physical anatomy. These occult components for simplicity sake, may be called the soul, however, for the metaphysical student, a deeper understanding of the constitution of the soul must be acquired. The relationship and interaction between the immaterial aspect of man and the physical body must be known. How the spiritual components dissociate themselves from the physical body through the process of transition should be understood. It is the very presence of man’s invisible forms and forces within the physical being that maintains the integrity and coherence of the particles forming the physical body. The absence of the magnetism, the electrical-force, and the energy-fields of the subtle bodies causes the dissolution of the physical form. Psychologically, during the separation of the material and immaterial bodies, certain visions arise in the psyche. The nature of these visions are dependent upon the degree of man’s inner purity. According to Tibetan Buddhists, how man responds or reacts to these visions determines the place of his abode in the higher realms. Man’s moral character is the deciding factor of his place in the universal scheme. The fear of death and dying hampers the smooth transition into the higher worlds. Attachment to the world and earthly possessions causes an unnecessary prolonged struggle in the death process, and this delays soul release. Suffering and pain are expressions of this struggle. Man should learn to be detached from all mundane affairs and relationships during transition and think about spiritual matters–not because of the unimportance of the former, but because occupying the mind at the time of transition with spiritual aspirations and hope assists the soul-consciousness to release itself from some of the harsh phenomena experienced in the bardo. Passing over into a new realm is like being born into the physical world. The process is somewhat similar, and this is in accord with the law of correspondence and the Hermetic axiom, “as above, so below.” When one is born into this physical world one goes through the birth canal; during transition one experiences a “tunnel-like” effect, a wormhole. During birth we are greeted by smiling relatives, likewise, the birth into a higher world surrounds us with people whom we love and who loves us. Passing over is no panacea for the suffering soul who resorts to suicide to end its earth life. Suicide does not solve our emotional and mental problems, for wherever we may be, we take along with us our inner world, our thoughts and feelings. Our outer world reflects our inner mental and emotional state. Problems unfaced, will have to be confronted once again in another incarnation, this is to teach the soul certain lessons that it requires for its evolution, its spiritual growth. One’s attitudes, reactions and responses to problems are the main thing and not the problems themselves. The Spirit of man will not be cheated of its forces. Lessons to be learnt by the soul will repeat themselves until their essence has been assimilated, understood and wisdom gained. Suicide, therefore, should not be resorted to as an escape, for it causes spiritual stagnation. Suicides are treated as mental cases in the subtle worlds. According to psychic Donald Barrie, insane persons were suicides in past lives. Suicidal persons in the death process, like those who lived depraved, iniquitous and wicked lives, often encounter some of the most alarming visions in the bardo which includes the Judgment scene, where the conscience sits as prosecutor, judge, jury and executioner. Death is a personal experience. Through it we come to know our true evolutionary status as a soul, and all of our glamours and delusions concerning personal glory would fail to aid us at the time of our transition. Our poverty or wealth of our spirit is seen and known to us and others on the Other Side. The Nature of Life After So-Called Death Humanity’s concept of heaven is wrought with distortions of the true nature of the subtle worlds. There are many ideas concerning heaven that are disproved through the personal experiences of advanced psychics and mystics. It is, therefore, appropriate that people be informed and prepared for life in the other worlds, that they may know what to expect, that they may know how to function harmoniously therein, and the sort of activities that they may engage in. The higher worlds are worlds of activity. There is no rest there, unless we desire rest. Real rest is dependent upon the giving of another vehicle of the microcosm an opportunity for expressing itself. Overthere, we shall have the opportunity to be occupied with soul-improving activities. Laziness and idleness Overthere are treated as illnesses. Individuals expressing those states are directed to special classes to learn the purposes of life, that they be motivated to engage in some worthy endeavour. There is not just one heaven or dimension in the higher worlds, there are many, and these are the “mansions” of Jesus’ statement “in my Father’s house there are many mansions.” (John 14:2). St. Paul in his epistles mentions a third heaven; the Islamic tradition presents the Prophet Muhammad as visiting the seventh on a mythical creature–no doubt a symbolic description of the subtle body. Several “alams” or worlds are discussed in Islamic literature. Theosophy speaks of seven planes with seven sub-planes each, all of which constituting a cosmic plane. Hinduism also refers to the “lokas,” to the many heavens as described in their scriptures. Swedenborg substantiates this truth in his spiritual works. People will be disappointed if they think that the afterdeath state will provide them what they lack here and now. This is not to say that their dreams will not occur to some degree, or that their happiness may not be derived from some longed-for pleasures that Almighty God might manifest for them; what we are putting forth here is that the contents and quality of one’s heart and mind determines strongly one’s experiences in the heavenly world that one will live in. Purity in body, mind and soul begets a joyful experience in the higher heavens. Conversely, immorality and wickedness result in a life of misery in the lower astral realms. We carry our inner life to wherever we may find ourselves. There is no spiritual being to reward or punish us, we do this to ourselves by violating or living harmoniously with cosmic laws. To know where one would go, or to which heaven or plane one would reside, it is only necessary to look into one’s mind and emotions, into one’s character and personality, and there look for signs. In the chapters ahead we will be discussing in more detail of the nature of life in the higher worlds. We feel that this subject is of some importance to metaphysicians, as they are often asked by individuals seeking information on the spiritual dimensions. The Four Perspectives Although there are various perspectives that death and the process of transition may be discussed such as the clinical, the cultural, etc. We will be dealing with the aforementioned themes from the following perspectives: 1) Religion/Mythology 2) Occult teachings in general 3) Lamaism, or Tibetan Buddhism 4) Parapsychology and modern research Religion, generally speaking, offers us some information concerning the after death state with, regrettably, very little of the death process. However, it is important when dealing with religious concepts regarding death and the afterlife to be discerning and discriminative–to sift through fanciful ideas–of the many erroneous theological dogmas and concepts that had crept into the original teachings. Many statements in scriptures are not meant to be taken in a literal manner. Embodied within them are spiritual ideas that have to be intuited with the higher mind. Followers or devotees of religions often fail to understand this principle. They believe in the letter of the law without considering the underlying spiritual principle. The immortality of the soul has long been an essential tenet in almost all religious belief-structures. The ancient Egyptians, for instance, believed in it; they accepted that the heart-soul, the ka, the ba, and other components of the microcosm outlived the physical form for a longer duration, if not indefinitely. Thus mummification was instituted to preserve the body for the return of the incorporeal aspects of man. Myths are allegories or parables containing spiritual wisdom. They often deal with the fall of the soul into matter, its resurrection, the manner of its redemption, and the nature of the higher planes. In the ancient Mystery Schools of Greece, such as the Eluesinian, Cosmic laws and principles were personified and enacted in dramas. The mystae, or the candidate to the mysteries who witnessed these dramas was urged by the accompanying guide to discern the Cosmic laws and truths embodied within them. Often in such initiatory schools, candidates were put into trance-like conditions where they acquired personal experiences of the externalization of their awareness-principle. Thus, those candidates to the Mysteries came to know the reality of their soul and its independence of the physical body through empirical knowledge. Our treatment of mythology in this paper will be supportive in nature, emphasizing or stressing certain main points of our themes where needed. Regrettably, it is beyond the scope of this work to treat the subject exhaustively and completely in a satisfactory manner. Occultism as a whole, offers us a great wealth of knowledge concerning the death process and the nature of the post-mortem states. There have been many eminent clairvoyants in the past such as Swedenborg and Andrew Jackson Davis who wrote about their experiences concerning transition and the astral planes as seen through their inner senses–not to mention their communications and interactions with the inhabitants therein. In the opening pages of his work, Heaven and Hell, Swedenborg declares: “. . . it has been granted to me to associate with angels and to talk with them as man, also to see the things in the heaven as well as in the hells . . . ” (1958:3) We are, however, indebted to Earlyne Chaney and her Mystery school, Astara, for most of our occult information concerning the mysteries of death. Information derived from her writings would greatly enhance the structure and support of our main themes. Of all religions, Tibetan Buddhism seems to be the richest source of information concerning the death process. It possesses a unique conception regarding transition. It is for this reason that we will consider it separately, apart from the general view of religion, giving it a category of its own. From the religious viewpoint, we have, therefore, chosen to treat the subject of the process of death in a detailed manner from the Lamaistic perspective. The esoteric science of death, it should be known, is one of the secret traditions of Tibetan Buddhism. Our main source of information on Tibetan thanatology and eschatology, is derived from the “Bardo Thodol,” or “The Tibetan Book of the Dead”–as translated and edited by Evans-Wentz and his Tibetan colleague. We will also be appropriating the teachings and commentaries of various Lamas to supplement and give form to our main themes. Tibetans consider dying to be an art, just as the spiritual teachers of the Middle Ages did, calling it “ars moriendi.” To the Tibetan Buddhists, the training of dying commences in the meditative life. This is the preparation of the awareness-principle for the bardos that it will undergo or the possible attainment of the “Clear Light” resulting in enlightenment. Aside from considering the role that the bardos play in the death process, we will, therefore, also comment in passing of this mystical art, of the preparation required for liberation in the bardo. Although there have been many modern, scientific researchers delving into the mysteries of death such as Raymond Moody and Elizabeth Kubler-Ross, our principal sources of information will be derived from the works of Michael Newton, Ian Currie, and Filipo Liverziani as representative of the modern scientific approach. Investigations into psychic phenomena began way back in the last century when mediumistic activities began to flourish. Although many mediums and their displays of phenomena were found to be deceptions, a small percentage of occurrences were enough to convince psychic investigators of the survival of the personal-consciousness and in the reality of man’s inherent psychic powers. Notwithstanding the findings of past investigators, however, we will, concentrate more fully on the research discoveries of the writers mentioned above, as they offer the appropriate support for our main themes. Copyright © 2006 Luxamore Leonard Lee aka Luxamore Metaphysical teacher, counseler, healer and merchant of occult/magickal items of Indonesia. Magickal Items from Indonesia: talismans, mustika pearls, kerises, etc. Magickal Bezoar Mustika Pearls from Indonesia.

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Uvme – Building a Home Internet Business

The Latest In Kitchen Appliances

Today’s kitchen appliances have taken convenience to a new level. Not only can they store recipes and multi-task, but some even notify you when you’ve run out of milk. If you’re planning a kitchen remodeling or just looking to change your appliances, take a look at all the fancy appliance features. Appliances Are Computer Literate

Many kitchen appliances are designed with computerized features that help them work more efficiently. The focus is on helping you make meals quicker, smarter and with less hassle. This means that a refrigerator might have a barcode scanner that keeps track of your groceries or a flat screen on the door that can connect to the Internet. These are made in standard sizes that can work into any kitchen remodeling plan. Kitchen Appliances Have Sleek Look These new age appliances also are designed to fit with current kitchen design trends. You’ll see plenty of stainless steel that blends with the commercial kitchen design. Aside from shiny stainless steel, you’ll find muted shades and those that have different gray tones. Also look for: * Ergonomically correct knobs for ease of use. * Stylish appliance door handles and burner knobs. Try These Kitchen Appliances For those who love to cook, consider some newer appliance features: Ovens * Higher BTUs for hotter cooking. * Multiple burners with different temperature ranges so you can cook different items at different temperatures * Broilers that can heat more quickly. * Voice-activated appliance * Controls. * Delay start cooking that heats food as dinnertime approaches. Microwaves * Touch pad controls and recipes you can download from a company’s website. * Memory features that recall your favorite recipes. The microwave then uses that information and sets cooking time, temperature, etc. Dishwashers * Quiet appliances that make dishwashing a serene experience. * Two dish drawers that can be stacked on each side of the sink as a space saving solution. * Sensors that change the wash cycle based on how dirty the dishes are. Refrigerators * Internet access through a screen on the door * Sensors that determine the best temperature for vegetables, meats, etc. and adjust the interior bins accordingly. * Appliances that can chill a bottle of wine in a short time. As you shop for kitchen appliances, remember the big role that computers have in our lives. The benefit of all this technology is a wide selection of appliances that can make working in the kitchen much easier. Allison E. Beatty is a syndicated real estate writer who has been writing home improvement columns for 15 years. For more about kitchen remodeling visit http://www.renovatorsplace.com

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What is the Timeframe for a Divorce to be Completed

UFO Phenomenon, Space Aliens and Filmmaking Technology

UFO phenomenon, space aliens and filmmaking technology are interesting to me. I have been watching documentaries on UFO phenomenon and space aliens lately. It is an interesting topic if you are a believer or nonbeliever that extraterrestrial life exists and has visited this planet. There is excellent entertainment based on the subject of alien abduction and invasion. Orson Welles caused panic and hysteria with The War of the Worlds radio drama he narrated and directed as an adaptation of H.G. Wells’ novel in 1938. Steven Spielberg thrilled movie audiences with Close Encounters of the Third Kind.The whole space alien and UFO phenomenon for whatever reason got me to thinking about the filmmaking process. Movie production technology keeps getting better each year. It is almost like science fiction reality when you look back at the history of cinema. Nowadays people can shoot an entire feature film with their iPhone, edit it on their computer, and stream it on social networks to millions of viewers across the globe.The only downside to this freedom to create movies is sometimes we as filmmakers depend too much on the film and editing equipment we are using and neglect the basic core of entertainment – telling a good story. I caught myself recently getting too distracted by which camera to rent to shoot Internet Predator. We are only at the budgeting stage of production, but I am already thinking RED is the only family of digital cameras we should be using. I caught RED fever.I always send the final draft of a screenplay and my shot sheet (I personally do not storyboard yet) to Editor Tim Beachum so he can do an extremely rough EDL. With most independent film productions there is rarely the money to do reshoots of a scene to get it right if something is missed or screwed up during filming. When I read Tim’s notes for Internet Predator I fell back down to Earth. The in-house budget for Internet Predator could not support the production cost involved with renting a RED camera package and my shot sheet revealed a couple of oversights on camera moves that required more lighting time.The benefit of coproducing indie films with a friend is the brutal honesty that exists. It is like you are space travelers walking on the moon for the first time. Planning gets you there, but there are still a lot of unknowns running wild around you. Editor Tim Beachum told me, “Amigo, there is no point trying to make a RED camera work for this movie budget. I picked up a Canon XL H1. Shoot with what we have.”I have always been a filmmaker that made it work with whatever budget there was. But reading so much online about kick ass cameras I finally got caught up and forgot the main go of it. Filmmaking technology is only a tool, not the driving force of making movies. We are as the writers, producers, actors, directors, and editors of movies. This is indie filmmaker Sid Kali typing FADE OUT

What Is The Relationship Between Social Security Disability and Long-Term Disability

Sometimes, you may get sick or hurt in a disabling way. In fact, according to the Social Security Administration’s website, “Studies show that a 20-year-old worker has a 3-in-10 chance of becoming disabled before reaching retirement age.” Unfortunate events happen to many different people all the time, and they can keep you from working and earning money for you and your family. What do you do then?There are a few different types of insurance and programs that could cover this. The Social Security Administration offers benefits to disabled people called Social Security Disability (SSD), but there are qualifications for the program. You may not be qualified for SSD benefits, so you may choose to purchase long-term Disability insurance (LTD) on your own or through your employer, if they offer it to you.Just like with health insurance, homeowners insurance, and auto insurance, long-term disability is an insurance policy that you may opt to purchase of your own accord. Your policy may be different from others, depending on the state you live in, but LTD insurance will usually pay for 50%-70% of your salary, and it may pay anywhere from 5 to 10 years or until you reach the age of 65. Wouldn’t it be nice to receive both long-term disability and Social Security Disability benefits at the same time?It would, but sadly, it’s usually not the case. Your LTD may actually change and possibly decrease based on whether or not you were approved for SSD benefits. For example, in a hypothetical situation, if your LTD benefits were $1,000 and your SSD benefits (which you were approved for) were $800, your LTD would only pay you $200. It would essentially pay the difference of what Social Security is paying you.This would seem to be quite unfair. Social Security is a government-funded program, which you can be qualified for. But your long-term disability insurance is something that you have actually paid for services for. Is it fair for the insurance company to change your benefits based on whether or not you were approved for a government-funded program? You’d think not.Your LTD provisions may actually require that you fill out a social security disability application, because if you are approved, it will lower their chances of having to pay out entirely. Insurance companies are still a business, and they are in it to make a profit. If your LTD requires you to apply, though, you still shouldn’t ignore it. It’s possible that they will deny your benefits altogether if you don’t bother to apply for Social Security at all.But if your long-term disability insurance doesn’t give you that requirement, you should avoid any attempts your employer or insurance company may make to encourage you to do so. They may try to refer you to services or individuals that will help you with the application, but whether you’re approved or denied, you may risk offsetting your LTD benefits.The relationship of Social Security Disability and long-term disability insurance is tricky. Approval for SSD may affect and offset your LTD benefits.

TX Land For Sale-Consider A Conservation Easement To Protect Your Land And Get Tax Benefits

Your New Retirement Lifestyle – RVing A Cost Effective Way to Live Your Dreams (Part 2)

In my previous article on RVing I discussed how the RV lifestyle can be a frugal way to live your dreams and reinvent yourself. In addition, we examined the various types of recreational vehicles. Now I would like to present some frugal strategies that you will find very useful.Boondocking
Boondocking is the term that denotes camping without electric and water hookups, water faucets, sewer hookups, and phone or cable TV connections. In addition, there are no campground fees. This usually means wilderness or primitive camping out in the “boondocks.” It is important to note that typically, boondocking RVers are people who have self-contained Rvs.There are as many reasons to boondock. Here are some common reasons:• Experience the fun and freedom to go where you want. Imagine being surrounded by natural beauty, with little or no neighbors. There is nothing more comforting than awakening in the morning with the sound of a stream and a distant view of a spectacular mountain range.• We want to save money! Often times the primary reason for boondocking may be to experience natural beauty. A second primary reason can be to save money. Certainly, this is valid for retirees living on fixed incomes. And, it further substantiates how cost effective RVing can be.• Another thought that comes to mind in regards to saving money is that boondocking can help to equalize RVing expenses. In particular, it may make it easier for you to deal with the high cost of fuel. Basically, the nights that you boondock can offset the nights that you pay high private campground fees.• Boondocking is convenient! Sometimes, after a long and boring day on the road, convenience in an overnight stop is all that matters. So, staying in a parking lot of a retail store or mall may simply be the best alternative, particularly since there may be no campground nearby. And, if you put some effort into conserving your battery power, you should do just fine. Be certain that you obtain permission to camp on private property so that there will be no surprise interruptions.• A great way to stay when visiting family members. There is nothing simpler than parking in a driveway when visiting grandchildren and other relatives.Cost Saving Strategies That Save Gas
Here is a list of some common sense tips to keep RVing affordable in light of higher fuel prices.1. Camp closer to home. Our forty years of camping experience has lead to a wonderful nucleus of campgrounds in the Northeast that we enjoy visiting.2. Think about staying in one place for a longer period of time. Many campgrounds offer substantial discounts for longer stays. When we camped last year in the desert of Arizona, the daily fee at that Casino camp was $43. After our month long stay, the fee was reduced to $32.3. Cook your favorite meals in your RV to help avoid the high costs of eating out. If you do dine out, look for specials in the form of coupons and early bird specials. Those deals are usually advertised in local newspapers. Sometimes it can be more cost effective to dine out for a late breakfast, lunch, or even a lunch buffet.4. Consolidate your short trips into a longer trip. Or, you can walk or take the bike (as we do) from the campsite, or, take public transportation.5. Pack lighter in an effort to keep the weight of the RV to a minimum.6. If you can, travel at night during the hot weather. That technique will reduce air conditioning requirements.Workamping
If you are not certain of the meaning of the term “Workamping,” simply look at the word itself. The first thing that comes to mind is working while you camp. Basically, that is it!There are a variety of reasons to Workamp. You may simply want to supplement your retirement income to support a nearly full-time RV lifestyle. Additionally, this is another aspect of the RV lifestyle that is cost effective. If you have a job as a campground host, and you enjoy meeting people, you may only have to work a few hours a day. In turn, you may be remunerated with a free campsite and hookups. It is even possible that you may be able to secure this type of job in one of our beautiful National or State Parks. I’ve met lots of very satisfied hosts in a variety of settings over the years, who all agree that this Workamper job really does support a satisfying retirement lifestyle.Workamping jobs are seasonal, so in essence, you should have plenty of time to enjoy your RV travels between jobs. Working out of your coach or trailer can be a great option if you are thinking or retiring early. The point is, that you have chosen a wonderful style of living that can reinforce any kind of part-time or full-time work (paid or volunteer).Be sure to check out the Work For Rvers and Campers website.