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Oscar Pistorius, Lance Armstrong and Tiger Woods : Why did they break our hearts?

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We live in a world with so much senseless pain and suffering that we often choose what to acknowledge and what not to. Many people try to focus on the good and positive, in order to uphold their faith in human nature and to further the belief that no matter how bad things are, good will overcome. Now, this is a very positive characteristic of human nature, in the sense that those who don't see life this way, end up becoming very depressed, often with good reason. However, if we look at the state of the world, where rape, murder and war are things that many read about, but more have experienced, it brings to mind the idea that good may really not be winning. Now I fully agree that the media fuels this very one sided view to a great degree, because for some reason bad news seems to interest us, and we are always fascinated when our idols fall from grace.

Colorations Super Savings Event Enter the real life heroes whose determination we admire, and whose stories, goals and achievements give us faith in human nature. They can be sporting stars, actors, musicians, philanthropists and general celebrities alike. These people fight against all odds to achieve their dreams. Many come from obscurity, and represent the underdogs who have risen above the privileged to reach glory. We follow their lives in such a way that we place them on a level above the average human being, and why not. This works in two ways though, for one, it means we view them in such a way that they can do no wrong. Secondly, they begin to view themselves in the same way. Again we are seeking for the positive happy stories in the world, ignoring what is right in front of us. We seem to forget that these 'heroes' are human like us. The fact is, the do or die dedication, determination and will to win at all costs, which put these individuals at the top of their respective fields, are the same characteristics found in the most notorious characters in the world.

Enter stories like the current one involving Oscar Pistorius. Now, no one can deny what he has done for the disabled, the general sporting community, and anyone with a dream to achieve greatness against all odds. All the facts are not out yet, and no one can claim to know the truth until in emerges in court. Right now all is just speculation. However, when one looks at news, blogs, social networking and the like, it is amazing to see the polarised opinions. Articles about him being a womaniser, risk-taking over confident individual with a fascination with guns and fast cars. All these things are synonymous with fame, money and power. Why is every story up to now about how great he was, but as soon as a scandal arises, everyone seems to have known that he had it in him. That really, he actually was a bad person all along, that did some good things, not the other way around.

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It's like the whole gun debate going on in America. These 'troubled' kids getting weapons and shooting up schools, shopping malls and wherever else they can get to. After the fact they talk about the killers 'profile'. About how he was a loner, was strange and different, kept to himself, and didn't have many friends. They blame parents, teachers, friends, classmates and medical health practitioners for not noticing these things in advance, and reporting them to the authorities. It is like they were always killers, but everyone failed to see it and stop them. Imagine if we reported every shy, lonely or different person at our schools or workplace. No one takes responsibility for making them that way. Bullies never come forward with stories of how they made every day of these individuals lives a living hell, and how they were isolated and mocked almost to death. No one blames society for treating those who are a little different as social outcasts, and making students feel like if they are not 'cool' in High School, that they have nothing to live for. I mean what is the world we live in. This rant has gone a little off the topic, but it is all related.

Tiger Woods was and is a great golfer, and he was hailed as a role model, but as soon as is was revealed he was an adulterer and had slept with everyone and their mothers, he was shunned. It came out he was a 'sex addict', and yes that's a real thing, not. All the good he'd done and his great skill as a golfer was overshadowed by another scandal completely unrelated to the very reasons he became famous. Again, those who supported him felt shame, and embarrassment for supporting someone who was now revealed to be a perverted sex fiend. Sure, it's not as bad a murder, or is it? Only time will tell how Oscar fans will feel about having supported him once this scandal plays out.
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Lance Armstrong's scandal too came as a complete shock to many people around the world. He was hailed as a cancer survivor, a great athlete physically and mentally, and a philanthropist who has raised millions for his cancer foundation. He gave millions around the world the hope that if you have dedication, hope and a dream, you can overcome anything in this world. Then the doping scandal dropped. He denied it, accused the accusers of lying, and his supporters followed him all the way. Then he told Oprah it was all a lie, and it emerged he was the 'bully' behind a 'performance enhancing' drug taking scandal that rocked the entire cycling community. This far reaching revelation tainted not only him, but the whole cycling world. It also brought on a sense of distrust for not only cyclists, but any athlete that seems 'too' good. This is not without good reason either. Nevertheless, regardless of the fact that he's not the nicest person, to put in mildly, and that his whole career was basically a lie, it does not take away from the great things he has done in raising funds and awareness for cancer.

The point is that whenever a scandal such as these arises, we always see an outcry on the web, social networking sites and the like. Everyone talks of how terrible it is that someone was murdered, or that an athlete used drugs or cheated on their wife, repeatedly. Perhaps it angers us so because we put so much faith in them, not only as heroes in their respective fields, but as fighters for and representations of good in this world. Maybe we are not disappointed in them as much as we are in ourselves for believing that there is pure goodness out their, in the same way as there is pure evil. Our quest for hero worship may mean we miss out on the everyday things and people that are good. In the same way, we judge those same everyday 'normal' people and things overly harshly against the super high standards we believe our 'heroes' stand for. When we read of murder, rape, adultery and the like of non celebrities, we seem to take it in our stride. Of coarse it is not true that any life is less important or any rape is more important, but it seems different when it happens everyday, and when 'normal' people are involved. Sure it hurts and angers us, but we rarely take to posting about in online, and news reports may mention instances in passing, but rarely follow the story to the the conclusion. It almost seems as though an unspoken agreement has been broken between us and our heroes, when they do something wrong. We feel like if they are the best of us, then what hope do we 'normal' folk have, and if that is true, then evil wins. However, if we realise that they were always human, and that every human has the capacity for good and evil, then maybe we wont be so hard on them. Maybe only then can we begin to put faith in ourselves, and start to take responsibility for our own actions, instead of focusing on those of others.
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Making Money Online with Craigslist and ebay

I decided that I wanted to earn some extra income online
I decided that I wanted to earn some extra income online. I had no money to start with. Not long after that...
"I Personally Discovered an Unbelievably Quick and Easy Way to Give Myself a Big Fat Pay Raise, Without Leaving My Home or Risking One Penny of my Hard-Earned Money..."
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From: Dr. Stein
Date:
2013-01-10
Dear Frustrated Internet Business Owner,
I have a confession to make. I've been quietly making a nice living from home, working mostly online, for the past few months. Until recently, only my closest friends and family knew about what I do. Would you believe that I have never invested one cent into my online business? Yep, my home based business is 100% free for life.
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You are on a strict budget. You have probably blown your money into the wrong direction. Or you sacked your boss too soon. Whatever the reason is, you don't have much money to spare right now, and you don't have the appetite to discover you've made another financial mistake with the little money that you have.
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Warm Regards,
Dr. Stein
P.S. Finally, no more "general knowledge" of how to start a successful online business! Cashing In on Craigslist is YOUR step-by-step guide to getting setup quickly and to start generating cash fast!
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 Unfortunately my payment system is down at the moment, but if you send me your email address and make payment into my paypal account, I can send you the whole package directly. Sorry for any inconvenience!!!

A Home Based Business that Works

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A Home Based Business That Works
by: Chris Rohrer
Everyone seems to be trying to work from home today. With the success most people are having from running a home base business everyone wants to get in on it. I myself have started up a home based business, but I keep my full time job. I have the time and freedom to do what I want to my business when I want.

Starting a home business is not that easy though. You have to be willing to work hard to get it up and running to the point where it almost makes you money with out you doing anything. Once you have reached that part of your business that is when most people will start another home business. That is how they make even more money by running more then just one home business. It took me a good two months before my home business got off the ground and into gear.


I have the found the perfect work from home business that anyone can do. With my hard work I put into my home business I started to see results a few months after I started. What is this business? It’s working with the e-currency exchange program. It is simple to start but hard at first because there is a learning curve. I bought a simple guide that showed me step by step how to start off in this amazing business. Once I was done I invested $400 and applied the steps that I learned, and watched my money grow to $4,000 in under Two months.

The more you put in the more you will make. My little brother (21 years old) didn’t think it worked but gave it a shot and only invested $100 into it. Before he knew it his money turned into $700 in under 32 days. You can see just that little more put in will make a big difference. The great thing about the e-currency exchange program is that your money grows everyday by 1.5% - 4.0%. There is nothing better then watching my money grow day after day. This is the easiest home business that I found that really does work.

About the author:
Learn how I invested $400 and made it $4,000 in under 2 months time. Please visite E-currency Online
for more information.
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Are you Wealthy Yet?

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Are You Wealthy Yet?
by: Al Walker
Here's a real simple way to become wealthy.

Marty and his wife live at home with their 2 children. They own
a 3 bedroom house in a middle class neighborhood and try to live
within their means. Marty works full time in the Printing
Industry, while his wife is in charge of the home and looking
after the children.

They've accumulated some credit card debt and have 2 years left
on a car loan. They try to stay out of debt as much as possible
and together they've managed to contribute a total of $32,000 to
their own Retirement Fund. It is kept in term deposits receiving
5% interest annually.

Two years prior, the couple bought an older house that they
fixed-up and rent out for $850 a month. After paying the
mortgage and taxes $300 is left over each month. This goes into
their savings account each month.

At Christmas, the family bought themselves a new computer and
decided to start a home-based business. Things started out
fairly slowly but after 8 months they were receiving a steady
check of $400 a month which also goes into their savings
account. This part-time business will continue to grow with the
effort they dedicate to it.

This business also offers them some very lucrative tax savings.
By taking advantage of these Tax Strategies they are able to
save an additional $300 a month on tax that was normally
deducted from Marty's paycheck at work. This monthly income is
also added to the couple's savings.

Marty has just begun writing an E-book about his "production
expertise" at work. His plan is to market this book on the
internet for profit

Every Sunday the couple takes a drive to stay familiar with the
Real Estate market in their area. They're looking for another
property, a "handyman's special" to fix-up and rent out. They
have saved enough for a down payment and their credit with the
bank is well established.

The family's total monthly expenses are $2000. Now, here's the
question:

Does Marty's family have Wealth yet?

To answer this question properly you first have to understand
exactly what "wealth" means.You achieve wealth when: *Your
Passive Income is the same or greater than your Expenses.* So
what does this mean?

First, what is Passive Income?

Passive Income is money that you are paid over and over again
for work that you only do once. (This excludes using a gun or
finding cash on the street) Some examples of this would be
royalties for writing a book or a song, commissions that you
receive for sales that others make and interest from bank
savings or dividends on stocks/options that you own.

Second, what Expenses are we talking about? This one's a little
easier to understand. Expenses are the total amount it takes to
run your household and your life. This includes, rent, mortgage
payments, car insurance, food, credit card and loan payments,
etc………

Let's look at Marty's family a little closer…………. Does Marty
have any Passive Income? Yes he does. Marty's salary is not
considered Passive Income. That's because he has to work 40
hours a week just to get the basic amount. If Marty doesn't go
to work then he doesn't get paid. His overtime also doesn't
count as Passive Income.

The interest from their Retirement Fund does though. It's paid
to him month after month as long as it's left in that account.
So, $32,000 at 5% is $1600 a year. Divided by 12 months equals
$133 a month in interest. Ok…..what else?

After the mortgage and expenses are paid with the rent money
they receive on their rental property they are left with $300
every month. This is Passive Income. Just as long as the tenant
stays and pays his monthly rent.

How bout that $400 from the home-based business and the Tax
savings. Is this Passive Income? Well, Marty's wife made sure
that she chose a company where she could sign new business
accounts and get paid commissions on those accounts over and
over again. They've made a 5 year commitment to build this
business part-time. So yes, both the $400 and the $300 in Tax
Savings would apply as Passive Income. Let's add up Marty's
total Passive Income.

Interest $166.00 Rental Income $300.00 Home Based
Business$400.00 Tax Savings $300.00 Total $1166.00

Not including Marty's salary from work, his family's Passive
Income is $1166.00. Not bad. Every month this amount flows into
the family's bank account, regardless of anything else they do.

We said that Marty's monthly expenses total $2000.00 a month.
And we also said………… You have Wealth when: *Your Passive Income
is the same or greater than your Expenses.*

$2000 Expenses subtract $1166 Passive Income = $834 monthly
balance needed to have Wealth.

Marty's Expenses are still more than their Passive Income so
they're not wealthy just yet. But they're well over half-way
there. With this kind of knowledge a family can know exactly
where to focus their financial attention.

Maybe when Marty writes that ebook he could get some sales and
royalties from it. Also the new Real Estate and more work on
their Home-based business would certainly help them to attain
more Passive Income. Once Marty's Passive Income is more than
the family's Expenses then Marty could start to have much more
freedom. He may even choose to quit his job and continue
developing his Passive Income streams.

Take a look at your own finances. What are your monthly
expenses? Do you have more Passive Income than your Expenses? If
you do Congratulations. You're Wealthy!!! If you don't. It's
time to get started and start adding Passive Income from other
areas as soon as possible.

When you truly understand this principle, you'll be well on your
way to becoming wealthy




About the author:
Al Walker, makes it easy to launch a successful online business and rapidly build your wealth to a six-figure income. Learn the 5 essential keys to online success. To receive your free 4-part mini-course visit: http://www.businessprogramreviews.com


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Identity Theft Recovery: The Road Block

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...Identity Theft Recovery: The Road Back
by: Daryl Campbell

Not too long ago, a friend of mine mentioned that one of his coworkers recently recovered his stolen identity. I asked how long the process took. "Only two years" he replied.

Compared to my business partner's six year nightmare "only" maybe appropriate but like most victims of identity theft, he probably thought "when". As in, "when will I get my life back?"

Privacy Rights Clearinghouse, a consumer nonprofit organization, reported that victims spend on average 175 hours trying to recover their identity, often over a period of years. Factor in out of pocket expenses, (usually over $1,500 according to the FTC) and recovery gets painfully magnified.

What are the steps to identity restoration? It starts with obtaining a police report. That report doesn't mean other law enforcement agencies have been contacted. Yet you must do a complete search of local and federal law enforcement databases too find out if anything else, including criminal activity exists on your identity.

You're also going to need the police report to contact the many and I mean many different agencies and organizations, including the Social Security Administration, The Federal Trade Commission, all of your financial institutions, the 3 major credit bureaus, the Passport Office,The Department of Motor Vehicles, the Post Office, as well as the Medical Information Bureau . All of these places must be sent a fraud notification alert. Concerning your financial institutions, get them to cancel your credit cards and close your bank accounts. Find out from your bank about any suspicious activity, such as accounts tampered with or opened fraudulently. Reopen new bank accounts with password verification.

Know your rights. According to the Fair Credit Reporting Act of 1992, you must be told not only what's in your file but if that information is being used against you. The Federal Trade Commission recently expanded the rights available to victims of identity theft, including your right to get negative information due to fraud blocked from your records.

This brings us to the credit bureaus. Make sure your credit report reflects the identity theft and gets flagged with a fraud alert. Many victims have received assurances that the matter would be resolved, however months and sometimes years later, the credit bureaus have not cleared their records. This without a doubt ranks as THE biggest headache for identity theft victims.



Once a negative gets put on your record, it seems the credit bureaus refuse to remove it, in spite of the countless documentation you provide to them. This can affect you well into the future when buying a house, car or any other big ticket item. If you are going to do this by yourself, constant follow up is critical. That goes for all the organizations but especially the credit bureaus. Be diligent until the matter gets resolved. Getting a lawyer wouldn't be a bad idea.

Stay Away from "credit repair companies". No matter what they advertise, there's usually nothing they can do to help you with identity theft. Some of them even offer to help you apply for credit under a new identity. Hello? When trying to eliminate fraud from your record you don't want to create more fraud!

Advise the utility companies. It's not just bank accounts and credit cards. Many identity thieves commit fraud by opening telephone accounts, purchasing cable television or establishing credit with the gas & electric companies, in the hopes it will go unnoticed for as long as possible.

If necessary get counseling. Identity theft can be a shattering experience mentally and emotionally. Victims and family members often feel violated. It's not their fault of course but the feelings remain. A network of support groups and counselors exists if you need it.

The road back from identity theft can take years, cost a lot of money,and cause much stress and pain . But with follow up, support and belief that the nightmare will end...the nightmare WILL end.

About the author:
Daryl Campbell is a writer and home business owner. What it took you years to build, Identity thieves can take and destroy within hours. Get the professionals on your side to watch your back 24/7. http://digbig.com/4fcpt


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Auto Insurance Rates

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Auto Insurance Rates
by: Sher Matsen

will vary depending on the insurance agency, your driving record, and the type of insurance you are looking to purchase. I you are looking for affordable car insurance or truck insurance then read on.

There are ways to reduce your premiums without giving up coverage. One of the easiest things to do is get auto insurance rate quotes online. This will allow you to comparative shop stress free.

Raising your deductibles is the easiest way to reduce your rates. The higher the deductible, the lower the premium will be. The deductible is the portion you will have to pay in the event of accident, before your insurance coverage steps in. It’s important not to carry a deductible that’s more than what you are able to pay. Your insurance company will not honor its portion of the claim until you’ve paid your deductible. However, the higher your deductible the lower your premium cost will be, so you need to find a

Always remember to ask your insurance broker for any available discounts. Quite often we forget to ask and they don’t seem to volunteer the information. A clean record on the current policy for a certain period of time, having your homeowner's coverage with the same insurer, taking a defensive driving course, having an accident free driving record, and having an approved anti-theft device will reduce your auto insurance rates.


The type of car you drive can also reduce your rates. Stay away from cars that have a high class rating. Rates vary among the different makes and models of vehicles. The different rates are based on the risk of accident, cost to repair, higher theft rates for a particular model and replacement costs such as with a new vehicle. So be sure your vehicle isn’t going to be in a category that increases your rates too much.

A safe driving record consisting of no accidents and no traffic violations will get you the most substantial discount. Most insurance companies are very good at recognizing good driving habits. These are the drivers they want to insure because their risk is much lower.

If the car is old and not very valuable, comprehensive insurance is probably not worth buying as it can quickly add up to more than you’d ever receive in the event of an accident. You can save up to 20% by eliminating collision insurance. You may want to opt not to carry collision insurance as well which can save you and additional 20%.

Check around to make sure you are getting the best auto rates you can. Online auto insurance shopping has taken the guess work out of buying insurance and you can very quickly see if you are being hosed. So if your insurance is coming due now is the time to start shopping!.




About the author:
Sher from The Auto Insurance Center has been serving customers for over 20 years. Please visit us at http://www.all-auto-insurance.com/


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Boosting Employee Moral with Employee Surveys

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Boosting Employee Morale With Employee Surveys
by: Bill Roche
Copyright 2005 Bill Roche

Do you know exactly how your employees feel when Monday morning approaches?

Are they eager to get back to a satisfying workplace and to perform important tasks?

Or, do they sit home Sunday night dreading another week of unimportant work performed for an ogre of a boss?

The truth is probably somewhere in between; but without actual knowledge of the facts, it’s hard to improve anything.

The ideal workplace provides employees with empowerment and direction when needed, but shies away from unnecessary micro-management. Employees feel they are contributing to meaningful goals in a significant way. The ideal workplace offers compensation and benefits that meet the needs of employees and cause them to remain loyal to an organization for the long term.

If you don't know where your employees’ morale level stands, you can't make life better or productivity higher. Better morale means greater productivity which translates into an improved bottom line. Unhappy employees miss more work and produce inferior work.

By measuring your employee morale level through an Employee Satisfaction Survey, you can learn how your employees feel – provided your employees believe that their honest input will result in appropriate change where needed. The danger of conducting Employee Satisfaction Surveys, of course, is that if you do not allow change where change is needed, you may well cause employee morale to drop even lower.

Suppose, for instance, that one result of a survey is that your employees feel your management style inhibits effective production of quality work. Would you be willing to alter your management style and more proactively empower employees?

If you’re not willing to change, you will likely be wasting time and money by performing surveys. If you’re willing to keep an open mind, surveys can lead your organization to greater heights and result in decisive morale increases.

Some questions that can reveal a great deal about employee satisfaction include:

(1) Do you feel that management listens to your ideas on how to best accomplish tasks?

(2) Is there a recognizable tie between how well you perform your job and your monetary compensation?

(3) Do you often feel you could do a better job if management would only get out of the way?

(4) Do you feel, once assigned a task, that you are empowered to perform that task?

(5) Do you feel that innovative thinking or "outside the box" thinking is encouraged and rewarded?

(6) Are there enough recognition programs for recognizing outstanding accomplishments on the part of employees?

An effective Employee Satisfaction Survey should not be too lengthy; 20 to 40 questions ought to reveal what you need to know about your employees. Whether you select yes/no questions or choose a 1 to 5 scale (where 5 means complete agreement and 1 means complete disagreement with a survey statement), you should, upon survey completion, compile the results using a database that will let you to analyze the results and convert them into bar charts or other graphics which make them easier to understand.

Once you’ve analyzed the survey results, feedback to the employees is crucial. Otherwise, they will likely conclude that what they have to say doesn't matter, resulting in an additional hit to morale.

Hopefully, some of your survey results will indicate areas of high employee morale. Those areas are not likely to need significant attention. The areas where employee morale gets low scores offer the greatest potential for improvement. Develop an action plan and implement that plan with full knowledge of employees. Better yet, involve employees directly. Employee involvement in the development of the action plan and its implementation can lead to positive outcomes and creative solutions to identified challenges.

Most importantly, be aware that you can only fix what you know is broken. Once you’ve identified areas of low employee morale, you can zero in on those weak spots and achieve measurable increases in employee morale, productivity, attendance and loyalty on the part of your employees.


About the author:
Bill Roche is the publisher of "Boosting Employee Morale," a free ezine that provides readers with tips on how to improve employee morale. For regular tips to move you toward a more positive and productive work environment, sign up for your own subscription at: http://www.TopResults.com


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