Payday Loan Lenders: How to Spot a Shark

If you are in need of fast cash with minimal requirements, you may be inclined to get a payday loan. With the variety of payday loan lenders available these days, you need to know what to watch out for. There are plenty of sharks in the payday lending world, and you have to make sure you are not a victim of one of them. Here are some tips explaining how to spot a shark when you get a payday loan.

The Lender Asks for Money

If you are applying for a payday loan, you obviously don’t have money to pay into a loan right this second. Thus you should steer clear of any loans that require you to pay money upfront. You may be asked for bank account or credit card information as a backup for the lender to get his money, but even then, you need to be cautious. See if you can opt to pay the company in person to protect yourself as much as possible.

The Lender Does Not Exist

Any true payday loan provider should be registered with the Better Business Bureau. You can check their website for information about your potential lender and see what other customers have had to say about it. This is a good idea even if you know the business is legitimate because it will help you avoid bad experiences.

The Lender Hides Fees in the Contract

Before you sign off on a payday loan, you have to read over your contract carefully. That means going through all of the fine print details, even if it takes you a while to read them. A lot of payday loan lenders like to hide fees and other information in their contracts, like permission to take out extra money with your monthly payments. If you authorize that, you may end up losing out on money that you cannot get back. When you see something suspicious in your contract, confront the company about it and see if they have a logical explanation.

The Lender Doesn’t Check Anything

It is common practice for a payday loan company to not look at a person’s credit and focus on income instead. With that in mind, your lender should ask for some sort of verification before issuing a loan. This may be in the form of paystubs for proof of income, phone bills for proof of address, bank statements for proof of a bank account, etc. If the lender just hands you a check from the start, you need to reconsider the situation. A payday loan is easy to get, but it should not be given to you for free.

The Lender Asks for Part of the Check Back

This is perhaps the biggest sign of all. If a lender asks you to cash a check and then bring back part of the money for your first payment, you need to work with someone else. All that person is trying to do is get you to cash a fake check your bank will eventually catch onto. You will be out the money for the check, plus a fake check fee. All the lender will be out is a piece of paper. By the time you try to get your money back, the lender will be long gone.

Taking loans you could not afford and paying interest rates of up to 5,600% a year is a way to financial failure. Be careful about who you work with when you look for a payday loan.The so many places to choose from, you should have no trouble finding one that you can get a good deal from.

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Payroll Loans: Useful For Small Money Emergencies

There are many uses for fast payroll loans. In fact, if you ask anyone, most people would say that if there was extra money in the bank at any given point, they would have absolutely no problem finding a place for it to go. Some people may save it; some people would pay down debt while others would use it to shop. In a matter of moments, extra money is gone.

Since these short-term payroll loans are not suggested to be used for anything but emergency costs, it defines their purpose much clearer to those who use them. Let’s face it, why would anyone use one of these loans just for fun spending? The cost of the loan itself should deter anyone from using this loan as a spending option.

There are many different levels of emergencies and depending how your credit looks, it would make a difference as to whether you would use credit cards or direct loans.

Most bills have due dates and they typically land on similar dates from month to month. There are times though when extra costs will totally disrupt even a well-panned out budget.

*Grocery costs fluctuate. If you are an avid sale shopper and coupon cutter, you bill is much more manageable. If you are one of those who think about buying items once they are in the store, the grocery bill will inflate. Keep prices low by making a list and sticking to it. Don’t forget your sales and coupons.

*Gas prices vary. It is hard to calculate a budget for gas it depends on many different things. How much you drive, the condition of your car and the price at the pump will all affect your gas usage. Who knew that properly inflated tires can help your gas mileage? Minimize your driving to school and work and get your car tuned up in order to save on gas over the long run.

*Utility bills fluctuate with the weather. Some folks need more cash in the winter to heat the house while others use extra during the summer months. Getting a direct payroll loan for some people means keeping their utilities connected during harsh weather times.

*Car repairs will jar a budget. Most people need their vehicle on a daily basis. When a flat tire or a blown water hose interferes with your weekly budget, third party money is important to get your wheels back on the road.

*Medical emergencies can get expensive. Payroll advance loans would only be helpful to cover basic office charges and some medications without deductibles and extra for those with good insurance coverage. Sever medical debt will need much more help than a typical short-term loan could manage.

*Personal items such as toiletries or over the counter medicines are important necessities which could be help by fast cash. It would also be helpful to watch for sales and use coupons to stock up so there is less demand on paychecks.

*Household maintenance is tough to plan. Without a savings account dedicated to unexpected costs, many people will need third party money to repair or replace appliances.

If your budget is not prepared to deal with the occurrence of unplanned costs, it is safe to say that debt will be inevitable. In order to change the outlook of a debt filled future, it is important to start saving any extra money as an emergency fund. It may be that there will be cut backs or a change in spending habits in order to do it. If you think about how much money you will save in the end for not using credit cards or payroll cash loans, it might give you the incentive to build your emergency account quickly.

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Current Comment: Pay-Day Loans

One of the most discussed topics in the UK at the present time is the matter of pay-day loans: short-term loans at very high rates of interest provided to people on low incomes and repayable at the end of the week or month. Taken on an annual basis, APRs are said to exceed 1000 percent, and at a time when the banks can borrow from the Bank of England at an annual interest rate of 0.5 percent, and wealthy individuals can borrow at single digit percentage rates, it seems unjust to many people that their poorest compatriots should be forced to pay a rate that is far higher. Justin Welby, the Archbishop of Canterbury, has proposed waging war on the pay-day loan companies by setting up more credit unions to provide loans at lower interest rates but so far they are few and far between and by no means universally available. Better still would be a scheme of revolving interest-free loans provided by a national welfare programme.

Pay-day loans are mostly quite small. One example often quoted is a loan of £100 to be repaid at the end of the month with an additional £30 charge or interest. Even if the borrower keeps up with his/her repayments, it is obvious that the £30 is lost and the borrower is compelled to live on a monthly income reduced by this amount. It is not surprising, then, that many borrowers fall behind in their repayments and find themselves paying more and more interest on a mounting debt. The payment of any interest or charge, however small, implies a loss of funds to meet essential needs. It is hard to understand how any poor person in debt can be really helped by increasing the debt and effectively reducing his/her income.

Why do people get into a position where they need a loan until pay-day? Most people can be expected to plan their monthly expenditure to be a little less than their monthly income. The problem seems to come when an unexpectedly large bill falls due. So what is needed is an opportunity to spread the payment over a longer time period, ideally without increasing its cost, and this can only be achieved by an interest-free loan.

What is needed is a fund set up by government, or perhaps by some large charities, from which any citizen could take an interest-free loan, up to a set limit that could be adjusted from time-to-time according to the state of the economy. When the loans are repaid, the funds would be available to be drawn again at any time of need; a designated fund being assigned to each citizen for life. The justification for each initial loan would require careful assessment of need, and referral by the local Citizens Advice Bureau might be an accepted criterion, with repeat loans subject only to repayment. The limited size of the maximum loan, say £500, would help to prevent major abuse of the scheme, but too many restrictions would be counter-productive and drive applicants back to the pay-day loan providers.

There would need to be a sanction for late repayment, but this should not involve the borrower paying more and further increasing his/her financial burden. The threat of reducing the amount available for future loans might provide sufficient incentive for prompt repayment, but a subsequent good record of repayment should serve to restore the original limit. The fact that many people regularly take out pay-day loans and manage to keep up with repayments, in spite of the cost, suggests that many more people should be able to keep up repayment of interest-free loans.

At a time when efforts are being made to streamline the welfare benefits system it is hard to justify yet another form of benefit. Yet what is proposed would help reduce the cost of credit for many people in a cost-effective way. The loans would help people in low paid jobs, as well as people on state benefits, to effectively increase their spending power to meet the rising cost of living. From the example referenced above, avoiding a pay-day loan would mean that every £100 loaned interest-free would provide a saving of about £30 to the borrower which would be spent and circulated in the local economy instead of being drawn into the coffers of the pay-day loan companies.

Providing interest-free loans would involve only the cost of administering the scheme and existing banks and post offices could be used as agents. Bad debts could be expected to be few because the individual amounts are small and failure to repay would reduce or cut-off access to further loans. The Archbishop of Canterbury has said that he wants to force the pay-day loan companies out of business by encouraging credit unions. A revolving interest-free loan scheme would provide the Prelate with a much more powerful weapon.

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10 Reasons Why Believing in a Christian God Is Good for You

NO WORRIES It’s good to know we can hand all our cares and anxieties to God. 1 Peter 5 6-7 says, “Humble yourselves, therefore, under God’s mighty hand, that he may lift you up in due time. Cast all your anxiety on him because he cares for you.” It’s a great relief to know that God is always there to take care of business, so we don’t have to worry.
SEE BENEATH THE SKIN If we believe in God we don’t need to be concerned about how we look. There is no need to worry about our outward appearance because as 1 Samuel 16.7 tells us: “… the Lord sees not as man sees: man looks on the outward appearance, but the Lord looks on the heart.” If we see others as God sees them, in other words by what’s in their heart, we become better, happier people.
NO NEED TO GOSSIP Social media offers plenty of opportunity for slander and criticism. James gives good advice on this (4:11-12): “Brothers and sisters, do not slander one another. Anyone who speaks against a brother or sister or judges them speaks against the law and judges it. When you judge the law, you are not keeping it, but sitting in judgment on it. There is only one Lawgiver and Judge, the one who is able to save and destroy. But you-who are you to judge your neighbour?” In other words we are in no position to criticize.
HAVE FAITH When we believe in God, we have faith, and faith brings salvation; see Ephesians 2:8-9: “For it is by grace you have been saved, through faith-and this is not from yourselves, it is the gift of God- not by works, so that no one can boast.” What does this really mean? It means trusting in God is a gift so we don’t have to work for it. And faith is its own reward, releasing us from all futile desires and endeavours and sorting out what really matters, the elimination of wicked thoughts.
STAY HEALTHY WITHOUT HAVING TO DIET When we believe in God we don’t have to worry about what we eat. Exodus 23.25 says, “Worship the Lord your God, and his blessing will be on your food and water.”
BE STRONG WHEN YOUR HEART IS BROKEN Read Psalm 147.3 which says, “He heals the brokenhearted and binds up their wounds.” Trying to get over the loss of a loved one through bereavement or separation is one of the hardest trials we have to endure. The journey is a lot easier when God is with us.
YOU CAN STAY IN GOOD PHYSICAL SHAPE ALWAYS Exodus 15.26 “For I am the God who heals you.” As Christians we expect good health through prayer and meditation. The only way to see if it works is to try it.
YOU NEVER HAVE TO ASK “WHY AM I HERE?” Pointless existential questions disappear when we believe in God. His purpose for our life becomes manifest and fruitful. Psalm 57:2 says, “I cry out to God Most High, to God who fulfills his purpose for me.” The deal is this: if we make all our choices with God in mind, He will fulfil his purpose through us. No more vexing over meaningless days as every day and everything we do has meaning in God’s eyes.
YOU DON’T HAVE TO WORRY ABOUT DYING Ecclesiastes 12.7 says about death “Then shall the dust return to the earth as it was: and the spirit shall return unto God who gave it.” This is such a comforting thought, to know that we are eternal spirits, that our appointed time on earth is temporary and our future will be spent in everlasting glory.
YOU DON’T HAVE TO WASTE TIME WONDERING WHERE THE UNIVERSE CAME FROM “In the beginning God created the heavens and the earth.” (Genesis 1:1) This is all we need to know about the origins of our environment. And of course, God made us too.What is there not to like?

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Is My Pain From Tight Muscles Or Could It Be From Something Else

During the past 35 years of my chiropractic practice, I have been asked many times “Is my neck and back pain from tight muscles or could it be something else?” This article will discuss muscular pain, and other sources of discomfort and how relief of neck and back pain can be achieved.

Recently a patient in her early 30s came to my office with a complaint of chronic lower back pain. Her job required her to perform rigorous physical activities of installing flooring and carpeting. She told me that her discomfort was interfering with her ability to perform her work duties. She was afraid that she would have to discontinue that line of work and take another vocation because of her condition.

When I asked her what she had done previously to help with the problem, she told me she had seen orthopedic specialists who gave her steroid medication and muscle relaxers. She had also seen physical therapists who gave her stretching exercises. She noted these measures gave her some temporary relief but didn’t completely resolve her pain.

When I examined her, we found that she definitely had muscle spasms of her low back. However, her examination revealed a more significant deeper problem. Her muscles were tight and in spasm because they were trying to protect deeper spinal joint misalignments.

I told her that the body will always work to protect an injured area. In her case, her muscles were chronically tight and in spasm because they were doing what they are supposed to do to keep her condition from worsening.

Let’s take a moment to explain the difference between muscular pain and pain from other sources. If we over-use our muscles, they can be sore and go into some degree of spasm; it might be mild, or it could be severe. Typically, this muscle discomfort eases over the course of several days as the body heals itself. This is a completely normal type of healing.

However, if the source of the condition is from a deeper problem, such as a misalignment of spinal joints, superficial muscular pain will be continuous and become chronic. If this is the case treatment of the muscles will only result in temporary, minimal pain relief at best. To correct the problem, we must address the deeper source of pain. Pain relief can only occur if we solve what’s causing the problem.

In my patient’s case, treatment consisted of utilizing gentle, chiropractic spinal adjustments to correct the misalignment of the spinal bones of her back. After her first treatment she immediately felt the muscular spasm relax and loosen. She said: “Wow, I feel looser already!” It took some more treatments of safe, chiropractic adjustments to fully correct the deeper alignment problem so that she could perform her job free of pain.

Chiropractors are specialist healthcare providers, when it comes to relieving spinal neck pain and pain of the lower spine. Chiropractors are trained to diagnose and treat physical, mechanical alignment problems of spine pain. Most patients who go to chiropractors find that having chiropractic treatment is a safe, pleasant experience because it relieves tightness and spasm of the muscles by correcting the deeper spinal misalignment.

Remember, sore muscles should normally heal after a few days of rest. If, however, chronic muscular tightness, stiffness or spasm persists, it is most likely due to a deeper spinal misalignment problem. In this case, it is prudent to seek gentle, safe chiropractic care for muscle pain relief.

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SEO Services in Digital Marketing

SEO is complex small business SEO doesn’t make it any smaller than big business SEO. You can do the bare minimum but if you don’t do all the tactics, you’re wasting your efforts. SEO requires ongoing work and is not sufficient to do it only once. There are one-time optimizations with no maintenance but SEO is an ongoing work in progress. It comprises:

1. Publishing new content regularly

2. Renewing existing pages frequently

3. Adding new links to new pages and going back to old pages

4. Adding new links to new pages and going back to old pages

5. Promoting content via channels such as social media and email

Often many times small business owners have plenty on their plate with their day-to-day activities. With the assistance of an SEO services company your site can create traffic and leads for you while you can focus on your customers. A professional SEO service provider has the best tools and the knowledge to leverage your business.

You may be at a point where you are thinking of hiring an SEO services company for your business. However, you are wondering what they do. In this segment, we will take a closer look, have a clear picture and become aware of the terms used in conversations with an SEO service provider.

On-page SEO

The efforts that an SEO services company does focuses on ‘crawlability’ and usability of your website pages. They will optimize your sections of the website that the public sees and that are read by the search engines. This comprises:

1. Content: They will make your content relevant to the keywords you are ranking for.

2. Structure: They will arrange your linking hierarchy and make search engines easily crawl.

3. Meta Data: They guarantee your page has title tags, image tags, headers, meta descriptions that have targeted keywords.

4. Experience: They will identify how engaging your page is and provide feedback for improvement from a user experience perspective.

Off-page SEO

This involved your website’s backend essentials. They will help you with:

1. Site Performance: This encompasses website responsiveness, load speed, and image size functionable on all devices.

2. Domain Authority: They will make sure you are on the good side with Google terms.

3. Backlinks: They will help you construct links to your site from other reliable websites.

Advantages of Using a Website SEO Service

Website SEO services are mandatory to enhance the ranking and visibility of the website to your targeted customers and can benefit your business. Let’s see a few benefits:

Increased Traffic

SEO Services use specialized and tested SEO optimization techniques to increase website traffic, which directly affects business profit. An SEO expert performs the audits and makes essential changes to the website that are crucial for your online business success. This means you can pay close attention to other aspects of your business, such as your product/service offer and customers.

Return on investment

When you spend on SEO services to rank your website you bring more visitors, the conversion rate will increase automatically, and you can make money most effectively.

Guaranteed Success

The expert teams have years of experience with on-page and off-page optimization of the website content. The service providers know how to achieve outstanding results quickly, and they use analytical data to ensure that efforts are going in the right way to increase your sales.

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5 Of the Hottest Digital Marketing Jobs

In case you’re hoping to change into or fabricate a vocation in the circle of digital marketing, you’re doubtlessly glancing at the perfect spot. This is on the grounds that there are a huge load of various professions in this field, every one of which is very changed as far as required ranges of abilities just as inclination and regular capacities.

Regardless of whether you veer towards business and the board, tech or the innovative finish of the range, there will consistently be advanced positions accessible. Here’s a breakdown of a portion of the regions that are required to be popular and have a strong compensation direction in the coming years.

1. Content Managers and Strategists

Content administration is actually a focal part for any organization or digital marketing group as it addresses practically all degrees of marketing – and it incorporates considerably more than simply composing and online media movement.

Content administrators need to comprehend not just how to make SEO-accommodating substance starting from the earliest stage, yet how to coordinate, store, and oversee it too. They need to see how it takes care of various subsets of the marketing plan. They additionally need to have a grip on the most proficient method to create and share the colossal assortment of content that is out there.

2. Virtual Reality Developers and Editors

This is a significant innovative work however it’s so new and intriguing and there’s a lot of space for the individuals who are in the domain of imaginative – tech. In the event that you are somebody with a foundation that consolidates innovation and imagination, on the off chance that you are into illustrations or even embellishments, virtual reality may be an incredible field for you.

Individuals come into virtual reality from the video expressions or in the event that they are knowledgeable in different innovative programming suites. You may wind up with a chief sort job or begin as a partner, analyzer or editorial manager.

3. Search Engine optimization/SEM Specialists

Search engine optimization and SEM are significant for strong digital marketing campaigns and to this end, any individual who can show a strong specialized information and join it with digital marketing aptitude, particularly in the administrative finish of the range, will be the most elevated worker in this field.

Search engine optimization and SEM are hard to represent considerable authority in, to some extent since search engine algorithms are continually fluctuating. Organizations should keep awake to-date to have a reliably high ROI and the greater the business is, the more unpredictable this can be. Moreover, online business locales and those that rely exceptionally upon web traffic for benefits will be especially subject to a solid SEO/SEM system.

4. UX Designer

Client Experience (UX) designers are answerable for the end-to-end development of websites and digital marketing applications. They may or may not have a profound specialized foundation or they might be better knowledgeable on the design end of the range.

UX designers are centered around understanding the site from an entire marketing experience, and to that end they need to understand crowds just as they have inside and out information on the services or products a given customer offers.

5. Email Marketing Specialist

Email marketing is an illustration of a particular zone of content optimization and marketing. Individuals accountable for email marketing are normally incredibly knowledgeable in marketing just as editing and copywriting.

Email keeps on being perhaps the most grounded method of substance out there. To do this well you should have the option to compose powerfully. You’ll likewise be responsible for campaigns, dispatches, and PR exercises dependent on broad information bases of user information and different records.

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Google Analytics Mistakes To Not Do

Mistake #1: Using Outdated Tracking Code

When you create a new site design and don’t update your tracking code (especially if you’ve switched from Google Analytics to Google Tag Manager), you risk it being outdated. Always make sure you’re using the most up-to-date version of your tracking code as a precaution against these types of errors. The traffic will usually display inflated figures, but unless you look deeper, you won’t know where the duplicated traffic is coming from. Even then, it’s difficult to pinpoint. To find it, we’ll need to use a Google Chrome plugin. Make sure you’re not using any duplicate tracking codes by using the Google Tag Assistant Chrome extension. When you have several instances of the same tracking code enabled, this will appear as a red tag inside the extension.

Mistake #2: Ignoring Signs of Scraping

One potential cause of inflated data in your GA account is scraping. If your site was scraped but the Google Analytics tracking code was not removed, you might be getting traffic from a duplicate site in your GA. Investigate and inspect these domains for scraped content if you find a lot of traffic in Google Analytics data from one of these sites. This should immediately stand out to you. If you see a lot of your own content on the new site, double-check to make sure your tracking code wasn’t transferred over as well.

Mistake #3: Not Switching http:// to https:// in Your GA Admin Panel

If you’re migrating your website, make sure your admin panel is migrated from http:// to https:// as well. If you want to ensure that your traffic data is accurately tracked, you must get this right. You risk forgetting to include any of your reporting data in your Google Analytics monitoring if you don’t.

Mistake #4: Ignoring Spam/Bot Traffic

Spam and bot traffic are also issues you should be aware of. You may be affecting the accuracy of your Google Analytics monitoring if you neglect the possible effects of spam and bot traffic. When it comes to spam and bot traffic, this can result in traffic performance over-inflation and, as a result, inaccuracies in your data reporting. This occurs because spam and bot traffic are not regarded as reliable sources of traffic. If you believe your search traffic is growing but you base your decision on spam and bot traffic, you might be in for a world of disappointment. This is why it’s crucial to make sure that any SEO strategy decisions are focused on actual users and traffic, not spam or bots.

Mistake #5: Not Assessing Sampled Traffic vs. Unsampled Traffic

This could be an error in your data monitoring decision-making if your Google Analytics account relies on sampled traffic.

What is sampled traffic?

Unsampled and sampled modes are available in Google Analytics. Unsampled data processing means that Google Analytics is tracking all possible Google traffic and is not using sampled data processing.

Default reports are not subject to sampling. The following general sampling thresholds apply to ad hoc queries of your data:

Analytics Standard: 500k sessions at the property level for the date range you are using

Analytics 360: 100M sessions at the view level for the date range you are using

When you create a default report in Google Analytics, however, this data is not subject to the sampling listed above.

When you’re reporting, make sure you’re not relying on sampled data. And, if you’re relying on this information, you’re aware of the implications of the sampled data.

Mistake #6: Ignoring the Hostname in URLs

Google Analytics does not include the hostname in the URL by default. When dealing with several subdomains, this can be difficult because you never know where the traffic is coming from. Always make sure that you know 100% where the traffic is coming from. At least you will know 100% at all times what’s going on with the hostname in your URLs. Your local SEO company can help you do this and more seamlessly for you.

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Develop Your Road Map to Success

One of the mechanisms the mind uses to sort through the enormous amounts of data that flow in daily, and keep it manageable is called “preparatory set.” It helps your brain to focus on items deemed important. You can “program” that mechanism by writing down the things you want to accomplish and making them clear. Once programmed, it directs your attention to certain events and occurrences. To illustrate: when you decide you want a certain car you see them everywhere, you notice each one on the freeway, you see every ad or commercial. Preparatory set works that way. Once you program it with your goals (visualizing in addition to writing is most effective) you will automatically be more aware of certain events, opportunities and people who can be helpful. You’ll also be more clear about what you want, and this will sneak into your conversation and your general attitude, where others can pick up on it. It’s not really magic, unless you believe as I do, that the mind is a miracle in itself.

For example, to make it easy to include easy exercise in your life, write down your goal (I will walk an extra half hour a day) and picture yourself walking and enjoying it: perhaps you picture parking a few blocks away (where it’s cheaper) and walk the rest of the way, or get off the bus or subway one stop early, or walk to that nearby restaurant for lunch, or take the stairs instead of the elevator when you can, or take a sandwich to a nearby park, or take the dog for a bit longer walk than usual before and after work. If you picture yourself walking and enjoying it, you’ll soon find that you’re noticing new and different ways you can walk more without stressing about it.

As soon as you have a goal, you can actually make a “road map” for yourself.

Creating a visual representation of what you want to achieve can do several things: First, the process of creating it will force you to be more specific and clear about what you want. Second, taking the time and energy to create it is a powerful signal to yourself that you are serious about accomplishing it. It sets an intention. Third, if you keep it where you can see it, it will be a powerful reminder of your intentions for your own life.

Your visual road map consists of two parts: 1) a picture of your destination, and 2) your map of how to get there.

Road Map Exercise 1: Picturing Your Destination

This is a visual representation of your ideal life, and you will use it for the next several years to remind and motivate yourself, so treat it as the important project it is. When you look at your finished picture, you should be able to see each of your goals clearly represented.

Preparation

1. Collect the materials necessary to make a collage you can write on: a large piece of paper and colored markers, pens, paints, pastels or other art materials; several magazines full of pictures and advertisements that you can cut out, paste or a glue stick, and several photos of you and others in your life. If you enjoy drawing, you may want to dispense with the magazine pictures and draw your own. If you’re a computer whiz, computer art may be the way you do this. You can also add solid objects, pieces of cloth or jewelry, tokens and keepsakes that are meaningful to you. Keep in mind that colorful, graphic pictures are powerful subconscious stimulants, and the point of this exercise is to help to focus your subconscious on your goals and dreams.

2. Divide your paper into sections representing your personal life, your business or career, your family life, your friends and your free time.

3. Title each section, and think about what, if you designed your own life, you would want to create in that section.

4. Begin with the personal life section, and think about what activities represent the private, personal part of your life-including the images that symbolize you. Begin with a picture of you as you are, or as you would like to be (in a graduation gown, wedding clothing, thinner, successful, you can paste a small picture of your head or face on a magazine picture if you wish). Are there hobbies or talents that are important to you? What kinds of images make you feel good about yourself? What symbols would you use to represent yourself? What do you want to use to represent your physical health? Your happiness? Your determination? Choose one or two images to represent the various ways you identify yourself: Hobbies, spirituality, relaxing, exercising, working, parenting, having fun.

5. Now, look for pictures of concrete items or goals that would complete the personal section of your road map, such as the following: Your home, car, clothing, travel, pets, personal growth goals and any other significant factors representing your personal life.

6. Arrange these pictures in the personal section of your collage in a way that suits you, or draw representations of the items that are important to you. Be sure your chosen picture of yourself is front and center of this personal section. Arrange and rearrange and adjust your collection of pictures until the final result pleases you.

7. Now complete the other sections of your results picture in a similar fashion. Each section will probably include some elements repeated from the personal section because you will personally be involved in each category. Use an image of your idealized self prominently in each section; either create a different version of your idealized self for each section, or use black-and-white or color photocopies of your original in each section.

When you have arranged your picture, stand back and take a look to see if it reflects your ideal life. If not, play with it some more. If it is, paste things down or save, and place the collage where you can look at it often. This picture only needs to represent your future as you presently think it should be; you can alter your picture, add to it or make a new one as your goals grow and change.

Road Map Exercise 2: Making Your Road Map

Once you put the necessary time and energy into picturing your destination, you’ll find that by focusing on specifics and details you have clarified your picture. Most people who have done this process in workshops and classes report that they feel very motivated, much clearer and energized by their vision. Take that energy and use it now to create your road map; a plan of action to get you to your destination.

1. Use a separate piece of paper or artboard, and entitle the left side of the roadmap “Where I am Now.” Place sufficient symbols, words or numbers to indicate where you are now in all the areas outlined on your destination picture.

2. Entitle the right side of the paper or artboard “My Destination” and arrange similar symbols, words or numbers to indicate where you will be when you reach your goals.

3. Divide the space in between into columns, and in those columns, develop the steps you’ll need to accomplish to get from where you are now to your destination. For example: In the work area, the steps might be 1) graduate from school, 2) do a job search 3) develop career skills, experience and expertise, and 4) move up in your career. (Each of these steps can be broken down into smaller steps, as you approach that segment of the Roadmap and need to accomplish specific goals).

Use Your Roadmap Daily

After completing your destination picture and road map, use them daily to remain focused on your goals and maintain your motivation. Keep them where you can review them frequently, and change and update them as needed. You’ll find that having a clear picture of your goals and aspirations in front of you will make it much easier to reach them.

All your decisions from now on can be made in relationship to your road map. If you consider each of your subsequent decisions according to whether it will get you closer to your goal or not, your choices will become clearer and more direct.

Using your destination picture and road map to set your priorities and to keep you focused will help you keep all the important areas of your life balanced and will help shape your future. Knowing where you want to go and how to get there will minimize your tendencies to worry, and reduce your indecisiveness and confusion.

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Circles of Closeness: Friendship and Intimacy

There are different levels of closeness in friendships. Some people become friends because circumstances bring them together. Perhaps you worked with someone and ate lunch together fairly often, but when one of you left the job, the friendship didn’t survive. Or you were quite friendly with a neighbor who moved away, and your contact ended.

You probably know what’s like to get together with a close friend who you haven’t seen for a long time. It’s as though you were never apart. Your connection is based on many shared experiences, values, and feelings, and it remains strong. Circumstantial friendships don’t provide the same type of bond, but that doesn’t mean they’re not valuable.

It’s likely that when you enter a new environment, you will meet people you enjoy, but don’t feel a deep connection to. These friendships are like pleasant conveniences, where both parties benefit by the contact, but neither has the interest to pursue the friendship further. The relationship may feel vaguely uncomfortable or wrong, as if there is something “false” about it.

You may enjoy having lunch with colleagues at work, chatting with them about work problems and gossip, and you may even meet some of them before class to exercise. But when you change jobs, most of those friendships are replaced by connections with colleagues in the new office.

There is no need to feel guilty if one or more of your friendships feels circumstantial. It is very helpful for both of you to have one another at this moment; you can enjoy whatever you share and move on when it’s over. Most likely your friend has similar benign feelings of friendship toward you, and the parting is not more than mildly sad for either of you. Don’t deprive yourself of this pleasant contact because it doesn’t meet some expectation, and don’t try to force it to be more than it is. There’s no reason to back away from a temporary, congenial connection.

Circles of Friends

Every friendship is different, and you deserve to have a full spectrum of friends in your life. You can picture your friendships as a series of concentric circles, one inside the other. At the outermost circle are the people you like but haven’t gotten to know well: folks you’ve met at work, church, or other groups; friends of friends and other pleasant acquaintances. Some of these people will never be closer to you than they are now. Some of them, however, become closer to you and move into the next circle. These are people you see fairly often and like quite a bit. They may be circumstantial friends who are meaningful to you at the time, but who don’t stay around. Or they may be members of a group you spend time with, but not special friends of yours. If you’re particularly fond of a casual friend, it’s worth your while to make an effort to get closer. Let an acquaintance know you’d like to have more personal contact by inviting him or her to coffee after a meeting or to a party at your house.

Perhaps your relationship will move into the third circle: developing friends. You’ll both take the opportunity to know each other better and learn whether you have much in common. With some effort, and some luck, the friendship may eventually move into the fourth circle: close friends. It usually takes some time for a relationship to develop this far, but when it does, you both will share a long-term connection.

Nothing enriches life like friendships. You probably remember the old adage, “Make new friends, but keep the old. One is silver, and the other gold.” As your life develops, you learn how true this is. With plenty of friends around, you can make sure that you get your full measure of delight, support, and companionship.

Different Strokes

We all have different categories of people in our lives. There are family members, friends, co-workers, colleagues, and acquaintances. And within each of these categories, there are levels of closeness. In your family, for example, you may feel closer and more comfortable with one sister or cousin than you are with another. Or, in your circle of friends, some may be much more reliable and warm than others. Even in business, some colleagues may be true friends, while others are more distant. The differences in these relationships determine how much distance or closeness will work in them. Knowing how to differentiate between levels of friendhips will make a big difference.

Circles of Closeness

To create a mental picture of how the various kinds of intimacy exist in your life, you can imagine your relationships as organized into a series of concentric circles, with you in the center of all of them.

The center circle: Intimacy: The people you consider most important to you, who are your closest friends and family, fill the center circle, the smallest one. The circle is small because relatively few people meet the requirements to get into the “inner circle.” It is reserved for those who are special: your closest friends, your spouse or partner, and your family.

The second circle: Warm friendship: The circle just outside that one, the second circle, is for warm friends and family members whom you like, but perhaps do not know well enough to trust completely, or who have some characteristics that make being closer impossible. This can be true for people you like a lot, but who are far away, or who can’t be trusted to keep commitments or to respond when you need them.

Third circle: Friendly connections: This circle is for people you know and like, but don’t yet know well enough to consider them warm friends. These people may be friends of your friends or family members, or other people you like and enjoy spending time with, but with whom you have not yet made an individual connection. Some of these acquaintances may very well move on into your second circle after some time and experience, others may drift away.

Fourth circle: Circumstantial friends: These people may be neighbors, co-workers, other parents in your child’s pre-school, or people who are fun to talk to while you work out at the gym, but aren’t much closer in your personal life. These people are friendly and convenient for doing certain things together (for example, a co-worker with whom you have lunch) but if the circumstances change (you change jobs or move away), the friendships don’t last. Once in a while, a circumstantial friend becomes a personal friend, and moves into the third circle, or even closer.

Fifth circle: Acquaintances: This final circle is for people you’ve recently met and haven’t had a chance to screen for more intimate circles, or friends of friends, or other people you hardly know, but consider friendly. You may get to know some of these people better as time goes on.

Being Selective

Each of these circles calls for a different level of privacy. If you have carefully considered who to allow into the innermost circle, for example, it will contain the people with whom you are the most comfortable being intimate. These are the people with whom you share your personal thoughts, your secrets, your sexuality and your living space (just how close you get depends on your personal preferences, and on how considerate and caring they are).

With each successive circle, the level of intimacy and sharing of your private self diminishes. A new work colleague in the outermost circle, for example, will probably know only general information about you, and very little about your personal life.

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