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		<title>Only 2 days left</title>
		<link>http://inspiredlife.wordpress.com/2009/10/13/only-2-days-left/</link>
		<comments>http://inspiredlife.wordpress.com/2009/10/13/only-2-days-left/#comments</comments>
		<pubDate>Wed, 14 Oct 2009 02:01:07 +0000</pubDate>
		<dc:creator>Vaness Saint-Louis</dc:creator>
				<category><![CDATA[Transform your life]]></category>
		<category><![CDATA[donation]]></category>
		<category><![CDATA[energy]]></category>
		<category><![CDATA[environment]]></category>
		<category><![CDATA[lifecoach vaness]]></category>
		<category><![CDATA[lifecoachvaness]]></category>
		<category><![CDATA[repoweramerica]]></category>
		<category><![CDATA[vaness]]></category>
		<category><![CDATA[Vaness Saint-Louis]]></category>

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		<description><![CDATA[We&#8217;ve seen an amazing response so far, but to reach our goal of 1,000 new donors by Thursday, we need you to make a matching donation right now:



http://repoweramerica.org/match
Let&#8217;s be clear. The only way we&#8217;re going to win on clean energy is to upend business as usual politics.
Enough people need to act with enough strength that our [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=inspiredlife.wordpress.com&blog=753244&post=691&subd=inspiredlife&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<div class='snap_preview'><br /><p>We&#8217;ve seen an amazing response so far, but to reach our goal of <a style="color:#668a33;font-family:verdana, tahoma, helvetica;font-size:12px;line-height:16px;font-weight:bold;" rel="nofollow" href="http://www.wecansolveit.org/page/m/396e8b1f/6fed7b47/c0fadbc/19ba48d4/2249908019/VEsE/" target="_blank"><strong>1,000 new donors</strong></a> by Thursday, we need you to make a matching donation right now:<strong><a style="color:#668a33;font-family:verdana, tahoma, helvetica;font-size:12px;line-height:16px;font-weight:bold;" rel="nofollow" href="http://www.wecansolveit.org/page/m/396e8b1f/6fed7b47/c0fadbc/19ba48d4/2249908019/VEsF/" target="_blank"></a></p>
<p></strong></p>
<div style="text-align:center;"><a style="color:#668a33;font-family:verdana, tahoma, helvetica;font-size:12px;line-height:16px;font-weight:bold;" rel="nofollow" href="http://www.wecansolveit.org/page/m/396e8b1f/6fed7b47/c0fadbc/19ba48d4/2249908019/VEsC/" target="_blank"><img src="http://www.repoweramerica.org/page/-/repower/img/email/OctMatchbattery.jpg" border="0" alt="Donate." hspace="0" width="550" height="177" /></a></div>
<p><a style="color:#668a33;font-family:verdana, tahoma, helvetica;font-size:12px;line-height:16px;font-weight:bold;" rel="nofollow"><br />
</a><strong><a style="color:#668a33;font-family:verdana, tahoma, helvetica;font-size:12px;line-height:16px;font-weight:bold;" rel="nofollow" href="http://www.wecansolveit.org/page/m/396e8b1f/6fed7b47/c0fadbc/19ba48d4/2249908019/VEsD/" target="_blank">http://repoweramerica.org/match</a></strong></p>
<p>Let&#8217;s be clear. The only way we&#8217;re going to win on clean energy is to upend business as usual politics.</p>
<p>Enough people need to act with enough strength that our elected officials can look beyond what Big Oil and Big Coal want &#8212; so they can lead, taking us into the 21st century to a clean energy economy. Otherwise those powerful special interests will ensure that we ignore the greatest challenge of our time.</p>
<p>We&#8217;ve got to push past them with a movement of ordinary Americans just like you coming together to solve the climate crisis so we can revitalize our country and leave our children and grandchildren a legacy of clean American energy.</p>
<p>You can see the personal determination people have to seize this moment in the notes supporters like you have been sharing as they match each other&#8217;s donations. I wanted to share a few of these notes with you:</p>
<div style="margin-left:30px;"><strong><br />
Mathew in Norristown, PA:</strong><br />
<span style="font-style:italic;">Thank you so much for your support. Every person that contributes is making an investment in our future. A future with clean renewable energy for our children, thank you again.</span><br />
<strong><br />
Daniella in Los Gatos, CA:</strong><br />
<span style="font-style:italic;">It surprises me that we are even having to battle Big Dirty Energy at this late stage in the game. Yet, fight we must. Thank you Joan for offering this matching fund opportunity. </span><br />
<strong><br />
Jeremy in Edgewood, KY:</strong><br />
<span style="font-style:italic;">Thanks for matching my donation Ali. I believe clean energy is the way to greater prosperity and security for this great nation of ours (and for the world).  Let&#8217;s make it happen.</span></div>
<p>Join each of these new supporters by making your first contribution today. A previous donor has pledged to match your gift, doubling your impact.</p>
<p><a style="color:#668a33;font-family:verdana, tahoma, helvetica;font-size:12px;line-height:16px;font-weight:bold;" rel="nofollow" href="http://www.wecansolveit.org/page/m/396e8b1f/6fed7b47/c0fadbc/19ba48d4/2249908019/VEsA/" target="_blank"><strong>Make your first donation of $25 now. If you&#8217;d like, you can exchange a note with the donor who matched your contribution.</strong></a></p>
<p>The powerful interests thrive when we sit on our hands. But their power wilts when we decide to act.</p>
<p>We can have the clean energy future America so urgently needs &#8212; but only if we&#8217;re willing to fight for it. Help inspire a movement big, broad and strong enough to win.</p>
<p>Thanks for everything you do,</p>
<p>Maggie L. Fox<br />
President and CEO<br />
The Alliance for Climate Protection<br />
<img src="http://www.repoweramerica.org/page/-/repower/img/email/Maggie-Fox-photo.jpg" border="0" alt="" vspace="10" width="108" height="146" /></p>
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		<title>3 Steps to reduce dangerous toxins in your home today</title>
		<link>http://inspiredlife.wordpress.com/2009/10/03/3-steps-to-reduce-dangerous-toxins-in-your-home-today/</link>
		<comments>http://inspiredlife.wordpress.com/2009/10/03/3-steps-to-reduce-dangerous-toxins-in-your-home-today/#comments</comments>
		<pubDate>Sat, 03 Oct 2009 17:28:40 +0000</pubDate>
		<dc:creator>Vaness Saint-Louis</dc:creator>
				<category><![CDATA[Transform your life]]></category>

		<guid isPermaLink="false">http://inspiredlife.wordpress.com/2009/10/03/3-steps-to-reduce-dangerous-toxins-in-your-home-today/</guid>
		<description><![CDATA[
Get rid of conventional cleaners: 
      Most conventional cleaners contain dangerous ingredients including volatile organic compounds (VOCs), formaldehyde, harsh acids, and hormone disrupters linked to cancer, reproductive toxicity, and eye and respiratory irritation.
      The solution: Use nontoxic, biodegradable cleaners free of synthetic fragrances. Most cleaning [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=inspiredlife.wordpress.com&blog=753244&post=689&subd=inspiredlife&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<div class='snap_preview'><br /><ol>
<li><strong>Get rid of conventional cleaners:</strong> <br />
      Most conventional cleaners contain dangerous ingredients including volatile organic compounds (VOCs), formaldehyde, harsh acids, and hormone disrupters linked to cancer, reproductive toxicity, and eye and respiratory irritation.</p>
<p>      <strong>The solution:</strong> Use nontoxic, biodegradable cleaners free of synthetic fragrances. Most cleaning jobs can also be done with baking soda and vinegar.</p>
</li>
<li><strong>Filter your water:</strong><br />
        The public water supplies in 19 of America&#8217;s largest cities delivered drinking water that contained contaminated levels exceeding EPA limits, including rocket fuel, arsenic, lead, fecal waste, and chemical by-products created during water treatment.</p>
<p>        <strong>The solution:</strong> Get a water filter, and ask your water utility for its &quot;Consumer  Confidence Report.&quot; But avoid bottled water &#8211; most brands are not much better than tap water and the bottles contribute to mountains of waste. Carry and refill your own reusable water bottle instead.</p>
</li>
<li><strong>Use care with paints/stains:</strong><br />
        Conventional paints contain three dangerous chemicals: VOCs, fungicides, and biocides.</p>
<p>        <strong>The solution:</strong> Use super-low or even zero-VOC paints and stains. Look also for &quot;biocide-free&quot; paints and those that use natural pigments. If your home was built before 1970, consider having both your home and your children&#8217;s blood lead levels tested. Paint over lead-based paint to minimize dust and chipping.</li>
</ol>
<p>Brought to you by<a href="http://www.lifecoachvaness.com"> Lifecoach Vaness</a>
    </p>
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			<media:title type="html">Vaness</media:title>
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		<title>Why a first kiss can be a deal breaker</title>
		<link>http://inspiredlife.wordpress.com/2009/09/01/why-a-first-kiss-can-be-a-deal-breaker/</link>
		<comments>http://inspiredlife.wordpress.com/2009/09/01/why-a-first-kiss-can-be-a-deal-breaker/#comments</comments>
		<pubDate>Wed, 02 Sep 2009 02:34:51 +0000</pubDate>
		<dc:creator>Vaness Saint-Louis</dc:creator>
				<category><![CDATA[Transform your life]]></category>

		<guid isPermaLink="false">http://inspiredlife.wordpress.com/2009/09/01/why-a-first-kiss-can-be-a-deal-breaker/</guid>
		<description><![CDATA[
kiss,first kiss,deal breaker,peck,lips,relationships,hormones,libido,vaness,vaness saint-louis,lifecoach vaness

Whether it&#8217;s a soft peck on the cheek or a passionate encounter of lips, a kiss is an exceedingly rich and complex exchange of postural, tactile, and chemical cues that can have profound consequences for romantic relationships, report psychologists from the University of Albany in the Journal for Evolutionary Biology. As [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=inspiredlife.wordpress.com&blog=753244&post=685&subd=inspiredlife&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<div class='snap_preview'><br /><p><!-- #BeginTags -->
<p class="tags"><a href="http://www.technorati.com/tag/kiss" rel="tag">kiss</a>,<a href="http://www.technorati.com/tag/first kiss" rel="tag">first kiss</a>,<a href="http://www.technorati.com/tag/deal breaker" rel="tag">deal breaker</a>,<a href="http://www.technorati.com/tag/peck" rel="tag">peck</a>,<a href="http://www.technorati.com/tag/lips" rel="tag">lips</a>,<a href="http://www.technorati.com/tag/relationships" rel="tag">relationships</a>,<a href="http://www.technorati.com/tag/hormones" rel="tag">hormones</a>,<a href="http://www.technorati.com/tag/libido" rel="tag">libido</a>,<a href="http://www.technorati.com/tag/vaness" rel="tag">vaness</a>,<a href="http://www.technorati.com/tag/vaness saint-louis" rel="tag">vaness saint-louis</a>,<a href="http://www.technorati.com/tag/lifecoach vaness" rel="tag">lifecoach vaness</a></p>
<p><!-- #EndTags --></p>
<p>Whether it&#8217;s a soft peck on the cheek or a passionate encounter of lips, a kiss is an exceedingly rich and complex exchange of postural, tactile, and chemical cues that can have profound consequences for romantic relationships, report psychologists from the University of Albany in the Journal for Evolutionary Biology. As evidence of just how biologically important this exchange can be, one study found that 59 percent of men and 66 percent of women have experienced a first kiss as a &quot;deal breaker&quot;.</p>
<p>The Albany researchers also found a marked difference in the preferred style of kissing. Male students preferred overall	wetter kisses than their female fellow students and showed a greater preference for tongue contact and open-mouth kissing. The researchers speculate that males are unconsciously looking to maximize saliva exchange, which provides clues about fertility and may also allow the male to exchange hormones, including testosterone, which passes directly through the membranes of the mouth into the bloodstream and can boost female libido. Because men are less chemo-sensitive than women, men may need more saliva than women just to pick up the clues.</p>
<p>When participants were asked if they would have sex with someone without kissing first, more than half of the males responded positively, but only one in seven females would consider having sex without kissing first. When asked to rate kissing as an important ingredient in forming a relationship and in bonding, women rated kissing overall more important than males. Women also felt that someone&#8217;s being a good kisser was not a good enough reason to start a relationship. Interestingly, for short-term relationships, both men and women preferred wetter kisses, probably to maximize the hormone exchange and heat things up.</p>
<p>Monika Rice</p>
<p>Brought to you by <a href="http://www.lifecoachvaness.com">LifeCoach Vaness</a>
        </p>
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		<title>Try this meditation to more deeply savor your food</title>
		<link>http://inspiredlife.wordpress.com/2009/08/25/try-this-meditation-to-more-deeply-savor-your-food/</link>
		<comments>http://inspiredlife.wordpress.com/2009/08/25/try-this-meditation-to-more-deeply-savor-your-food/#comments</comments>
		<pubDate>Wed, 26 Aug 2009 02:36:39 +0000</pubDate>
		<dc:creator>Vaness Saint-Louis</dc:creator>
				<category><![CDATA[Transform your life]]></category>

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		<description><![CDATA[
meditation,savor,food,vaness,vaness saint-louis,lifecoach vaness

In the rush-rush-rush of our daily lives, it&#8217;s easy to forget to savor our most intimate connection with the earth: the food we eat. you can enjoy this short meditation on your own, but it&#8217;s even better to try it with friends or family. That way, one person can read the meditation to [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=inspiredlife.wordpress.com&blog=753244&post=683&subd=inspiredlife&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<div class='snap_preview'><br /><p><!-- #BeginTags -->
<p class="tags"><a href="http://www.technorati.com/tag/meditation" rel="tag">meditation</a>,<a href="http://www.technorati.com/tag/savor" rel="tag">savor</a>,<a href="http://www.technorati.com/tag/food" rel="tag">food</a>,<a href="http://www.technorati.com/tag/vaness" rel="tag">vaness</a>,<a href="http://www.technorati.com/tag/vaness saint-louis" rel="tag">vaness saint-louis</a>,<a href="http://www.technorati.com/tag/lifecoach vaness" rel="tag">lifecoach vaness</a></p>
<p><!-- #EndTags --></p>
<p>In the rush-rush-rush of our daily lives, it&#8217;s easy to forget to savor our most intimate connection with the earth: the food we eat. you can enjoy this short meditation on your own, but it&#8217;s even better to try it with friends or family. That way, one person can read the meditation to the others, allowing them to meditate on the images that form in their mind&#8217;s eye.</p>
<p>Find a comfortable way to sit.</p>
<p>Close your eyes.</p>
<p>Take a deep breath through your nose, in and out. Pay attention to your breath.</p>
<p>As you breathe easily, fill up your stomach, your ribs, your sternum. As you breathe out, feel the breath coming up first from your chest, then your ribs, then your stomach.</p>
<p>Now, picture one of your favorite fruits, vegetables, or fresh herbs. Breathing in and out, develop the image of this food in your mind.</p>
<p>Take the image of your food and place it in your hands. Feel its weight as you hold it in front of you. Is it heavy? Is it light? Does it barely fill your palm, or are you staggering under its weight?</p>
<p>As you imagine holding it, picture running the fingers of one hand across its surface. Does it have a soft skin? A hard rind? Is it leafy? Is it silky, hard, smooth, bumpy, fuzzy? Spend a moment touching its surface.</p>
<p>As you touch its stem, think about how it grows. Think about its life before you &#8230; did it grow in the ground? On a tree? On a bush? Picture how it grew.</p>
<p>As you look at it, drink in its color. Is it deep in color or is it pastel? Is it the color of a monk&#8217;s orange robe? A sunset pink? Morning light&#8217;s yellow?</p>
<p>Now picture yourself peeling it or cutting it or tearing a leaf off of it. Drink in its smell. As you breathe in, imagine that you&#8217;re smelling your food. Think about the fragrance. Is it strong or subtle? Sweet or spicy?</p>
<p>think about how you most love to eat it. If you&#8217;d eat this raw, bring it closer to your mouth. If you&#8217;d cook it, shift your image of it until it&#8217;s the shape, color, and texture of your food cooked as you most love it.</p>
<p>Now imagine taking a bite of it. Picture that first bite. Is it juicy? Crunchy?</p>
<p>As it lands on your tongue, savor its texture and its scent as it changes when your taste buts &#8211; not just your nose &#8211; get involved. Let the flavor sink into your mouth.</p>
<p>Picture yourself chewing and enjoy meditating on the taste as it changes in your mouth.</p>
<p>Imagine swallowing. Feel your food as it moves down the back of your mouth, down your throat.</p>
<p>Continue breathing in and out.</p>
<p>Sit. Feel the food become part of you.</p>
<p>Breathe in, breathe out.</p>
<p>Slowly, whenever you&#8217;re ready, open your eyes.
        </p>
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		<title>Breaking news in alternative therapies</title>
		<link>http://inspiredlife.wordpress.com/2009/08/24/breaking-news-in-alternative-therapies/</link>
		<comments>http://inspiredlife.wordpress.com/2009/08/24/breaking-news-in-alternative-therapies/#comments</comments>
		<pubDate>Tue, 25 Aug 2009 02:19:29 +0000</pubDate>
		<dc:creator>Vaness Saint-Louis</dc:creator>
				<category><![CDATA[health]]></category>

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breaking news,alternative therapies,pomegranate,pomegranate juice,prostate,tart fruit,cancer,cells,American Chemical Society,antioxidants,ellagitannins,urolithins,vitamin c,tumor,tumors,John Hopkins,free radicals,flaxseed,hot flashes,Mayo Clinic,menopausal symptoms,menopause,hormone,chills,sweating,vaness,vaness saint-louis,lifecoach vaness

Pomegranate Juice for Prostates
	  The tart fruit is not only trendy, but it&#8217;s quickly advancing to the forefront of new research aimed at tackling prostate cancer cells. According to a new study published by the American Chemical Society, pomegranates are [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=inspiredlife.wordpress.com&blog=753244&post=681&subd=inspiredlife&ref=&feed=1" />]]></description>
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<p><!-- #EndTags --></p>
<p><strong>Pomegranate Juice for Prostates</strong></p>
<p>	  The tart fruit is not only trendy, but it&#8217;s quickly advancing to the forefront of new research aimed at tackling prostate cancer cells. According to a new study published by the American Chemical Society, pomegranates are rich in a special class of antioxidants called ellagitannins, which break down during metabolism into compounds known as urolithins, which seek out and destroy prostate cancer cells. Although the chemo-preventive action of pomegranates needs further study, researchers are hopeful that the fruit may play a vital role in treatment.</p>
<p><strong>Vitamin C fights tumors</strong></p>
<p>After years of controversy, vitamin C is back on the A-list of anti-cancer research, thanks to a new study at John Hopkins Medical Institutions. The research found that vitamin C can indeed inhibit the growth of some tumors &#8211; just not in the manner that formerly was believed. According to conventional wisdom, antioxidants such as vitamin C prevent cells from becoming cancerous by grabbing up free radicals, thus preventing damage to our DNA. The Hopkins study, however, describes the discovery of a new mechanism by which the vitamin appears to prevent cancer. Vitamin C, it was found, inhibits a protein that feeds tumors with oxygen. Without oxygen, tumors die. &quot;By uncovering the mechanism behind antioxidants, we are now better suited to maximize their therapeutic use, &quot;say the researchers, who will continue to put vitamin C to the test.</p>
<p><strong>Flaxseed for Hot Flashes</strong></p>
<p>A small preliminary study performed by the Mayo Clinic suggests that flaxseed can help quell hot flashes and other menopausal symptoms for women who are not on hormone replacement therapy. The study participants who ingested 40 grams of crushed flaxseed per day reported a 50 percent reduction in the frequency and severity of the hot flashes. They experienced improved mood and a decline in joint or muscle pain and in chills and sweating -&#160; common symptoms associated with menopause. As an increasing number of women decline hormone therapy, which has been linked to an increased risk in breast cancer, flaxseed therapy shows great promise as a natural and effective alternative.</p>
<p>Brought to you by <a href="http://www.lifecoachvaness.com">LifeCoach Vaness</a>
    </p>
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		<title>Health benefits in non-humor-dependent aerobic laughter</title>
		<link>http://inspiredlife.wordpress.com/2009/08/23/health-benefits-in-non-humor-dependent-aerobic-laughter/</link>
		<comments>http://inspiredlife.wordpress.com/2009/08/23/health-benefits-in-non-humor-dependent-aerobic-laughter/#comments</comments>
		<pubDate>Sun, 23 Aug 2009 21:48:30 +0000</pubDate>
		<dc:creator>Vaness Saint-Louis</dc:creator>
				<category><![CDATA[Transform your life]]></category>

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health,health benefits,health benefits of laughter,benefits of laughter,laughter,aerobic laughter,nathan regier,judy l. young,heidi beckam,betsy robinson,vaness,vaness saint-louis,lifecoach vaness

Get this! As part of a study called &#34;Workplace Laughter and Personal Efficacy&#34; (Journal of Primary Prevention, vol. 28:2), 33 employees of a behavioral health center met for 15 minutes a day for 15 consecutive workdays to engage in &#34;a guided [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=inspiredlife.wordpress.com&blog=753244&post=679&subd=inspiredlife&ref=&feed=1" />]]></description>
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<p class="tags"><a href="http://www.technorati.com/tag/health" rel="tag">health</a>,<a href="http://www.technorati.com/tag/health benefits" rel="tag">health benefits</a>,<a href="http://www.technorati.com/tag/health benefits of laughter" rel="tag">health benefits of laughter</a>,<a href="http://www.technorati.com/tag/benefits of laughter" rel="tag">benefits of laughter</a>,<a href="http://www.technorati.com/tag/laughter" rel="tag">laughter</a>,<a href="http://www.technorati.com/tag/aerobic laughter" rel="tag">aerobic laughter</a>,<a href="http://www.technorati.com/tag/nathan regier" rel="tag">nathan regier</a>,<a href="http://www.technorati.com/tag/judy l. young" rel="tag">judy l. young</a>,<a href="http://www.technorati.com/tag/heidi beckam" rel="tag">heidi beckam</a>,<a href="http://www.technorati.com/tag/betsy robinson" rel="tag">betsy robinson</a>,<a href="http://www.technorati.com/tag/vaness" rel="tag">vaness</a>,<a href="http://www.technorati.com/tag/vaness saint-louis" rel="tag">vaness saint-louis</a>,<a href="http://www.technorati.com/tag/lifecoach vaness" rel="tag">lifecoach vaness</a></p>
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<p>Get this! As part of a study called &quot;Workplace Laughter and Personal Efficacy&quot; (Journal of Primary Prevention, vol. 28:2), 33 employees of a behavioral health center met for 15 minutes a day for 15 consecutive workdays to engage in &quot;a guided program of nun-humor-dependent laughter&quot; (i.e., making your body laugh regardless of whether anything funny is going on). And, as arduous as such forced laughter might sound, it made everybody feel better. The participants reported significant increases in self-regulation, optimism, positive emotions, and social identification &#8211; increases they maintained at a follow-up examination.</p>
<p>But why was this study done?
    </p>
<p>&quot;One of the biggest methodological problems in the research on laughter is the failure to distinguish between humor and laughter,&quot; wrote researchers Heidi Beckman, Ph.D., Nathan Regier, Ph.D., and Judy L. Young. &quot;Humor is a construct, while laughter is a physiological event&#8230; Humor is a stimulus, and laughter is one of several possible behavioral responses to that stimulus. When this distinction is made, it is easier to see that humor and laughter are distinct (although often associated) events. Humor can occur without laughter, and laughter can occur without humor.&quot;</p>
<p>Ahhh. So thanks to this work, we now know that &quot;Purposeful laughter is a realistic, sustainable, and generalizable intervention that enhances employees&#8217; morale, resilience, and personal efficacy beliefs.&quot; And if we suggest this practice to our coworkers and they laugh incredulously, we need only remember: they are not laughing at us, they are merely ameliorating their self-regulation and optimism.</p>
<p>Betsy Robinson</p>
<p>Brought to you by <a href="http://www.lifecoachvaness.com">LifeCoach Vaness</a></p>
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		<title>Finding happiness on $5 a day</title>
		<link>http://inspiredlife.wordpress.com/2009/08/23/finding-happiness-on-5-a-day/</link>
		<comments>http://inspiredlife.wordpress.com/2009/08/23/finding-happiness-on-5-a-day/#comments</comments>
		<pubDate>Sun, 23 Aug 2009 21:14:46 +0000</pubDate>
		<dc:creator>Vaness Saint-Louis</dc:creator>
				<category><![CDATA[Transform your life]]></category>

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vaness,vaness saint-louis,lfiecoach vaness,happiness,UBC,University of british Columbia,Harvard,Harvard Business School,income,ScienceDaily,Elizabeth Dunn,study,happiness levels,employees,Boston,bonus,Laurie Pawlik-Kienlen

The results of three simple studies from a team of researchers at the University of British Columbia (UBC) and Harvard Business School may add up to a simple key to happiness.
First, the researchers asked more than 630 Americans to report their annual income, rate their [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=inspiredlife.wordpress.com&blog=753244&post=674&subd=inspiredlife&ref=&feed=1" />]]></description>
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<p class="tags"><a href="http://www.technorati.com/tag/vaness" rel="tag">vaness</a>,<a href="http://www.technorati.com/tag/vaness saint-louis" rel="tag">vaness saint-louis</a>,<a href="http://www.technorati.com/tag/lfiecoach vaness" rel="tag">lfiecoach vaness</a>,<a href="http://www.technorati.com/tag/happiness" rel="tag">happiness</a>,<a href="http://www.technorati.com/tag/UBC" rel="tag">UBC</a>,<a href="http://www.technorati.com/tag/University of british Columbia" rel="tag">University of british Columbia</a>,<a href="http://www.technorati.com/tag/Harvard" rel="tag">Harvard</a>,<a href="http://www.technorati.com/tag/Harvard Business School" rel="tag">Harvard Business School</a>,<a href="http://www.technorati.com/tag/income" rel="tag">income</a>,<a href="http://www.technorati.com/tag/ScienceDaily" rel="tag">ScienceDaily</a>,<a href="http://www.technorati.com/tag/Elizabeth Dunn" rel="tag">Elizabeth Dunn</a>,<a href="http://www.technorati.com/tag/study" rel="tag">study</a>,<a href="http://www.technorati.com/tag/happiness levels" rel="tag">happiness levels</a>,<a href="http://www.technorati.com/tag/employees" rel="tag">employees</a>,<a href="http://www.technorati.com/tag/Boston" rel="tag">Boston</a>,<a href="http://www.technorati.com/tag/bonus" rel="tag">bonus</a>,<a href="http://www.technorati.com/tag/Laurie Pawlik-Kienlen" rel="tag">Laurie Pawlik-Kienlen</a></p>
<p><!-- #EndTags --></p>
<p>The results of three simple studies from a team of researchers at the University of British Columbia (UBC) and Harvard Business School may add up to a simple key to happiness.</p>
<p>First, the researchers asked more than 630 Americans to report their annual income, rate their general happiness, and provide a breakdown of their monthly spending (including bills, gifts for themselves, gifts for others, and donations to charity). As reported in ScienceDaily, UBC psychologist Elizabeth Dunn said, &quot;Regardless of how much income each person made, those who spent money on others reported greater happiness, while those who spent more on themselves did not&quot;.</p>
<p>The second study measured the happiness levels of employees at a firm in Boston before and after they received their $3,000 to $8,000 profit-sharing bonus. What affected the employees&#8217; happiness, says Dunn, was not so much the size of the bonus but how they spent it. The employees who devoted more of their bonus to gifts for others or toward charity consistently reported greater happiness than employees who simply spent money on their own needs.</p>
<p>In the third experiment, participants were given $5 or $20 and told to spend the money by 5 p.m. that day. Half the participants were instructed to spend the money on themselves; the other half had to spend the money on other people. Once again, the participants who spent the money on others reported feeling happier at the end of the day than those who spent the money on themselves.</p>
<p>Concludes Dunn, &quot;These findings suggest that very minor alterations in spending allocations, as little as $5 a day, may be enough to produce real gains in happiness.&quot;</p>
<p>Laurie Pawlik-Kienlen</p>
<p>Brought to you by <a href="http://www.lifecoachvaness.com">LifeCoach Vaness</a></p>
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		<title>Why your doctor doesn&#8217;t feel your pain</title>
		<link>http://inspiredlife.wordpress.com/2009/08/23/why-your-doctor-doesnt-feel-your-pain/</link>
		<comments>http://inspiredlife.wordpress.com/2009/08/23/why-your-doctor-doesnt-feel-your-pain/#comments</comments>
		<pubDate>Sun, 23 Aug 2009 22:32:52 +0000</pubDate>
		<dc:creator>Vaness Saint-Louis</dc:creator>
				<category><![CDATA[Transform your life]]></category>

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doctor,empathy,pain,Current Biology,physicians,Jean Decety,University of Chicago,acupuncture,Neil Bartlett,pain,vaness,vaness saint-louis,lifecoach vaness

Does your doctor rush? Do you feel that he or she doesn&#8217;t empathize with you, but is more concerned with moving on?
When most of us see someone in pain,	our neural circuits mimic what we see and cause us to feel pain as well. But a study published in [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=inspiredlife.wordpress.com&blog=753244&post=676&subd=inspiredlife&ref=&feed=1" />]]></description>
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<p class="tags"><a href="http://www.technorati.com/tag/doctor" rel="tag">doctor</a>,<a href="http://www.technorati.com/tag/empathy" rel="tag">empathy</a>,<a href="http://www.technorati.com/tag/pain" rel="tag">pain</a>,<a href="http://www.technorati.com/tag/Current Biology" rel="tag">Current Biology</a>,<a href="http://www.technorati.com/tag/physicians" rel="tag">physicians</a>,<a href="http://www.technorati.com/tag/Jean Decety" rel="tag">Jean Decety</a>,<a href="http://www.technorati.com/tag/University of Chicago" rel="tag">University of Chicago</a>,<a href="http://www.technorati.com/tag/acupuncture" rel="tag">acupuncture</a>,<a href="http://www.technorati.com/tag/Neil Bartlett" rel="tag">Neil Bartlett</a>,<a href="http://www.technorati.com/tag/pain" rel="tag">pain</a>,<a href="http://www.technorati.com/tag/vaness" rel="tag">vaness</a>,<a href="http://www.technorati.com/tag/vaness saint-louis" rel="tag">vaness saint-louis</a>,<a href="http://www.technorati.com/tag/lifecoach vaness" rel="tag">lifecoach vaness</a></p>
<p><!-- #EndTags --></p>
<p>Does your doctor rush? Do you feel that he or she doesn&#8217;t empathize with you, but is more concerned with moving on?</p>
<p>When most of us see someone in pain,	our neural circuits mimic what we see and cause us to feel pain as well. But a study published in Current Biology shows that physicians learn to shut the circuits off.</p>
<p>The study, by Jean Decety, Ph.D., at the University of Chicago and a Taiwanese team, was conducted with 14 physicians and a control group of 14 people who had no experience with acupuncture. Brain responses were recorded while individuals from both groups viewed videotapes in which people were pricked with acupuncture needles in their mouth regions, hands, and feet. They also watches as patients were touched with a Q-tip. Brain scans showed that physicians, unlike the controls, registered n increase in activity in the portion of the brain related to pain. But the physicians registered an increase in activity in the front areas of the brain, with the neural circuit related to emotional regulation and cognitive control.</p>
<p>Because doctors sometimes need to inflict pain on patients as part of the healing process, they must also develop the ability not to be distracted or overwhelmed by the suffering, explains Decety. And that also explains why some doctors need to work on their bedside manners.</p>
<p>Neil Bartlett</p>
<p>Brought to you by <a href="http://www.lifecoachvaness.com">LifeCoach Vaness</a>
    </p>
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		<title>Why attractive mates seem so scarce</title>
		<link>http://inspiredlife.wordpress.com/2009/08/22/why-attractive-mates-seem-so-scarce/</link>
		<comments>http://inspiredlife.wordpress.com/2009/08/22/why-attractive-mates-seem-so-scarce/#comments</comments>
		<pubDate>Sat, 22 Aug 2009 18:25:50 +0000</pubDate>
		<dc:creator>Vaness Saint-Louis</dc:creator>
				<category><![CDATA[Transform your life]]></category>

		<guid isPermaLink="false">http://inspiredlife.wordpress.com/2009/08/22/why-attractive-mates-seem-so-scarce/</guid>
		<description><![CDATA[Why is that special someone so elusive for so many people? Or that perfect job? Or that perfect community? Now, an international team of psychologists have found an answer: Our own longings seem to create an illusion of scarcity.
Researchers Xianchi Dai, Klaus Wertenbroch, and Miguel Brendi from INSEAD, the international business school with campuses in [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=inspiredlife.wordpress.com&blog=753244&post=672&subd=inspiredlife&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<div class='snap_preview'><br /><p>Why is that special someone so elusive for so many people? Or that perfect job? Or that perfect community? Now, an international team of psychologists have found an answer: Our own longings seem to create an illusion of scarcity.</p>
<p>Researchers Xianchi Dai, Klaus Wertenbroch, and Miguel Brendi from <a href="http://www.insead.edu/home/">INSEAD</a>, the international business school with campuses in France and Singapore, have been studying cognitive shortcuts or &quot;rules of thumb&quot; we use when we are unable to make informed decisions about value. The connection between scarcity and value is something we readily accept; for example, gold is considered precious because it is rare. The psychologists theorized that we also accept the inverse: that what&#8217;s valuable must be scarce.</p>
<p>To test their theory, the researchers had a group of young people view nearly 100 pictures, half of birds and half of flowers, in random order. the participants were told that they would get paid for each bird or flower picture they had seen &#8211; birds or flowers determined by a flip of a coin. Before getting paid, all participants were asked to estimate the total number of bird pictures and the total number of flower pictures they had seen.</p>
<p>The results: People who were paid for spotting flower pictures thought there were fewer flowers than birds, and those who were made to value birds believed there were fewer birds than flowers. in truth, there were exactly the same number of flowers and birds.</p>
<p>In other experiments, participants of both sexes viewed portraits of men and women, some attractive and some not. When questioned later, both men and women believed that there were fewer attractive people of the opposite sex than there were of the same sex.</p>
<p>In both experiments the participants appeared to be substituting their emotional desire entwined with a belief in scarcity for real calculation, suggesting that our cognitive shortcuts may have us assume (and perhaps live) more solitary lives than might be warranted by reality.</p>
<p>Brought to you by <a href="http://www.lifecoachvaness.com">LifeCoach Vaness</a></p>
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		<title>Going vegan may have fringe benefits</title>
		<link>http://inspiredlife.wordpress.com/2009/08/22/going-vegan-may-have-fringe-benefits/</link>
		<comments>http://inspiredlife.wordpress.com/2009/08/22/going-vegan-may-have-fringe-benefits/#comments</comments>
		<pubDate>Sat, 22 Aug 2009 18:03:41 +0000</pubDate>
		<dc:creator>Vaness Saint-Louis</dc:creator>
				<category><![CDATA[Transform your life]]></category>

		<guid isPermaLink="false">http://inspiredlife.wordpress.com/2009/08/22/going-vegan-may-have-fringe-benefits/</guid>
		<description><![CDATA[What&#8217;s the best diet for preventing heart disease? Low fat, high carb? High fat, low carb?
For years, champions of one diet or another have argued.
Now, scientists at Sweden&#8217;s Karolinska Institute have joined the fray by suggesting that removing all animal products from your diet &#8211; including milk and eggs &#8211; may have unexpected health benefits [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=inspiredlife.wordpress.com&blog=753244&post=670&subd=inspiredlife&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<div class='snap_preview'><br /><p>What&#8217;s the best diet for preventing heart disease? Low fat, high carb? High fat, low carb?</p>
<p>For years, champions of one diet or another have argued.</p>
<p>Now, scientists at Sweden&#8217;s Karolinska Institute have joined the fray by suggesting that removing all animal products from your diet &#8211; including milk and eggs &#8211; may have unexpected health benefits for your heart.</p>
<p>In their study, which was published in the medical journal Arthritis research &amp; Therapy, 66 patients with rheumatoid arthritis (people with rheumatoid arthritis are at increased risk for heart disease) were randomly assigned to either a vegan, gluten-free diet or a well-balanced, non-vegan diet. Here&#8217;s what they ate for three months:
    </p>
<p>The vegan diet consisted of 10 percent protein, 60 percent carbohydrates, and 30 percent fats (with no more than 10 percent in saturated fats). The vegans consumed vegetables, nuts, fruits, and sunflower seeds along with gluten-free grains and starches, such as buckwheat, millet, corn, and rice. They drank &quot;sesame milk&quot; made from unshelled sesame seeds to make sure they got enough daily calcium.
    </p>
<p>The non-vegan diet contained 10 to 15 percent protein, 55 to 60 percent carbohydrates, and the same fat intake as the vegan regimen. Non-vegans were encouraged to have five or more daily servings of fruits and vegetables and to increase their intake of starch and other complex carbs, including whole-grain products.</p>
<p>As it turned out, going vegan and gluten-free fora at least three months lowered cardiovascular and atherosclerosis risk factors, including total cholesterol, LDL (low-density lipoprotein, often called &quot;bad cholesterol&quot;), the ratio of LDL to HDL (high-density lipoprotein, or &quot;good cholesterol&quot;), weight, and body mass index (BMI).</p>
<p>What&#8217;s more, the vegan diet raised the level of natural antibodies that may keep disease processes from developing. &quot;Our findings suggest a new mechanism by which the level of natural protective antibodies can be increased,&quot; says Karolinska professor Johan Frostegard, who led the study. &quot;They also show that diet can have effects on the immune system, with implications for the incidence of disease.&quot;</p>
<p>Brought to you by <a href="http://www.lifecoachvaness.com">LifeCoach Vaness</a></p>
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		<title>Sad? Stay out of the mall.</title>
		<link>http://inspiredlife.wordpress.com/2009/08/22/sad-stay-out-of-the-mall/</link>
		<comments>http://inspiredlife.wordpress.com/2009/08/22/sad-stay-out-of-the-mall/#comments</comments>
		<pubDate>Sat, 22 Aug 2009 17:22:37 +0000</pubDate>
		<dc:creator>Vaness Saint-Louis</dc:creator>
				<category><![CDATA[Transform your life]]></category>

		<guid isPermaLink="false">http://inspiredlife.wordpress.com/2009/08/22/sad-stay-out-of-the-mall/</guid>
		<description><![CDATA[William James pointed out in 1890 that &#34;misery is not miserly&#34; and scam artists have always targeted the sad. now scientists from Carnegie Mellon, Harvard, and Stanford are getting closer to understanding why sad people are so willing to part with their money.
In their	experiment (see Psychological Science, June 2008), participants viewed either a sad video [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=inspiredlife.wordpress.com&blog=753244&post=668&subd=inspiredlife&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<div class='snap_preview'><br /><p>William James pointed out in 1890 that &quot;misery is not miserly&quot; and scam artists have always targeted the sad. now scientists from Carnegie Mellon, Harvard, and Stanford are getting closer to understanding why sad people are so willing to part with their money.</p>
<p>In their	experiment (see Psychological Science, June 2008), participants viewed either a sad video clip or one devoid of human emotion. Afterward, they could purchase a water bottle at various prices. Participants randomly assigned to the sad video clip were willing to spend three times as much money for the bottles as were &quot;neutral&quot; participants. Even more surprising, those in the sad group typically insisted, albeit incorrectly, that the emotional content of the film clip did not affect their spending.</p>
<p>The researchers also tested the level of self-focus in both groups. Among participants &quot;primed&quot; to feel sad, those who were highly self-focused paid more more money than those low in self-focus. Why might a combination of sadness and self-focus lead people to spend more money? First, sadness and self-focus cause one to devalue both one&#8217;s sense of self and one&#8217;s current possessions. Second, this devaluation increases a person&#8217;s willingness to pay more for new material goods, presumably to enhance the sense of self.</p>
<p>As James wrote, &quot;a man&#8217;s Self is the sum total of all that he CAN call his, not only his body and his psychic powers, but his clothes and his house&#8230;&quot; When that self is shrunk by sadness, shopping therapy may geel good, but it&#8217;ll likely be very expensive.</p>
<p>Stephen Kiesling</p>
<p>Brought to you by <a href="http://www.lifecoachvaness.com">LifeCoach Vaness</a>
    </p>
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		<title>Improve your credit record</title>
		<link>http://inspiredlife.wordpress.com/2009/08/21/improve-your-credit-record/</link>
		<comments>http://inspiredlife.wordpress.com/2009/08/21/improve-your-credit-record/#comments</comments>
		<pubDate>Sat, 22 Aug 2009 02:24:05 +0000</pubDate>
		<dc:creator>Vaness Saint-Louis</dc:creator>
				<category><![CDATA[Transform your life]]></category>

		<guid isPermaLink="false">http://inspiredlife.wordpress.com/2009/08/21/improve-your-credit-record/</guid>
		<description><![CDATA[A lot of people spend more than they can afford and pay less toward their debts than they should. To get control over your finances and to manage your debt, try:
Budgeting &#8211; In many cases,	people design and then stick to a budget to get their debt under control. A budget is a plan for how [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=inspiredlife.wordpress.com&blog=753244&post=666&subd=inspiredlife&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<div class='snap_preview'><br /><p>A lot of people spend more than they can afford and pay less toward their debts than they should. To get control over your finances and to manage your debt, try:</p>
<p>Budgeting &#8211; In many cases,	people design and then stick to a budget to get their debt under control. A budget is a plan for how much money you have and how much money you spend. Sticking to a realistic budget allows you to pay off your debts and save for the proverbial rainy day.</p>
<p>Credit Counseling &#8211; Many universities, military bases, credit unions and housing authorities operate nonprofit financial counseling programs. Some charge a fee for their services. Creditors may be willing to accept reduced payments if you&#8217;re working with a reputable program to create a debt repayment plan. When you choose a credit counselor, be sure to ask about fees you will have to pay and what kind of counseling you&#8217;ll receive. A credit counseling organization isn&#8217;t necessarily legitimate just because it says it&#8217;s nonprofit. You may want to check with the Better Business Bureau for any complaints against a counselor or counseling organization. Visit <a href="http://www.bbbonline.org">www.bbbonline.org</a> for your local Better Business Bureau&#8217;s telephone number.</p>
<p>Bankruptcy &#8211; Bankruptcy is considered the credit solution of last resort. Unlike negative credit information that stays on a credit report for seven years, bankruptcies stay on a credit report for 10 years. Bankruptcy can make it difficult to rent an apartment, buy a house or a condo, get some type of insurance, get additional credit, and sometimes, get a job. In some cases, bankruptcy may not be an easily available option. Finally, recent changes to the bankruptcy laws may affect your ability to seek bankruptcy relief. For a discussion of some of these changes, see <a href="http://www.ftc.gov/credit">New Bankruptcy Law Requires Credit Counseling Before Filing</a>. You also may want to visit <a href="http://www.usdoj.gov/ust">www.usdoj.gov/ust</a>. That is the website of the U.S. Trustee Program, the organization within the U.S. Department of Justice that administers bankruptcy cases.</p>
<p><a href="http://www.lifecoachvaness.com">brought to you by LifeCoach Vaness</a>
        </p>
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		<title>Protect your identity</title>
		<link>http://inspiredlife.wordpress.com/2009/08/20/protect-your-identity/</link>
		<comments>http://inspiredlife.wordpress.com/2009/08/20/protect-your-identity/#comments</comments>
		<pubDate>Fri, 21 Aug 2009 03:26:16 +0000</pubDate>
		<dc:creator>Vaness Saint-Louis</dc:creator>
				<category><![CDATA[Transform your life]]></category>

		<guid isPermaLink="false">http://inspiredlife.wordpress.com/2009/08/20/protect-your-identity/</guid>
		<description><![CDATA[
vaness,vaness saint-louis,life coach vaness,lifecoach vaness,identity theft,fraude,credit card,credit,social security

Identity theft involves someone else using your personal information to create fraudulent accounts, charge
    items to another person&#8217;s existing accounts, or even get a job. You can minimize the risks by managing your personal information wisely and cautiously. Here are some ways to protect yourself [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=inspiredlife.wordpress.com&blog=753244&post=664&subd=inspiredlife&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<div class='snap_preview'><br /><p><!-- #BeginTags -->
<p class="tags"><a href="http://www.technorati.com/tag/vaness" rel="tag">vaness</a>,<a href="http://www.technorati.com/tag/vaness saint-louis" rel="tag">vaness saint-louis</a>,<a href="http://www.technorati.com/tag/life coach vaness" rel="tag">life coach vaness</a>,<a href="http://www.technorati.com/tag/lifecoach vaness" rel="tag">lifecoach vaness</a>,<a href="http://www.technorati.com/tag/identity theft" rel="tag">identity theft</a>,<a href="http://www.technorati.com/tag/fraude" rel="tag">fraude</a>,<a href="http://www.technorati.com/tag/credit card" rel="tag">credit card</a>,<a href="http://www.technorati.com/tag/credit" rel="tag">credit</a>,<a href="http://www.technorati.com/tag/social security" rel="tag">social security</a></p>
<p><!-- #EndTags --></p>
<p>Identity theft involves someone else using your personal information to create fraudulent accounts, charge<br />
    items to another person&#8217;s existing accounts, or even get a job. You can minimize the risks by managing your personal information wisely and cautiously. Here are some ways to protect yourself from identity theft:</p>
<ul>
<li>Before you reveal any personally identifying information, find out how it will be used and whether it will be shared.</li>
<li>Pay attention to your billing cycles. Follow up with creditors if your bills don&#8217;t arrive on time.</li>
<li>Guard your mail from theft. Depositing outgoing mail in post office collection boxes or at your local post office. Promptly remove mail from your mailbox after it has been delivered. If you&#8217;re planning to be away from home and can&#8217;t pick up your mail, call the US Postal Service Toll Free at 1-800-275-8777., or visit www.usps.gov to request a vacation hold.
        </li>
<li>When possible, put passwords on your credit card, bank and phone accounts. Avoid using easily available information like your mother&#8217;s maiden name, your birth date, the last four digits of your social Security number or telephone number, or a series of consecutive numbers. It&#8217;s a good idea to keep a list of your credit card issuers and their telephone numbers.</li>
<li>Don&#8217;t give out personal information on the telephone, through the mail or over the internet unless you&#8217;ve initiated the contact or you know whom you&#8217;re dealing with.</li>
<li>Protect personal information in your home. For example, tear or shred documents like charge receipts, copies of credit offers and applications, insurance forms, physician&#8217;s statements, discarded bank checks and statements, and expired credit cards before you throw them away. Be cautious about leaving personal information in plain view, especially if you have roommates, employ outside help or are having service work done.</li>
<li>Find out who has access to your personal information at work and verify that the records are kept in a secure location.</li>
<li>Never carry your Social Security card; leave it in a secure place at home. Give out your Social Security number only when absolutely necessary.</li>
<li>Order your credit report from each of the three major credit reporting agencies every year to make sure it is accurate and includes only those activities you&#8217;ve authorized.</li>
<li>Carry only the identification that you actually need.</li>
</ul>
<p>Brought to you by <a href="http://www.lifecoachvaness.com">LifeCoach Vaness</a></p>
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		<title>Keep credit cards under control</title>
		<link>http://inspiredlife.wordpress.com/2009/08/19/keep-credit-cards-under-control/</link>
		<comments>http://inspiredlife.wordpress.com/2009/08/19/keep-credit-cards-under-control/#comments</comments>
		<pubDate>Thu, 20 Aug 2009 03:28:13 +0000</pubDate>
		<dc:creator>Vaness Saint-Louis</dc:creator>
				<category><![CDATA[Transform your life]]></category>

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vaness,vaness saint-louis,lifecoach vaness,credit,card,cards,credit card,credit cards,ATM,loan

Whether you shop online, by telephone or by mail, a credit card can make buying many things much easier; but when you use a credit card, it&#8217;s important to keep track of your spending. Incidental and impulse purchases add up, and each one you make with a credit card is a [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=inspiredlife.wordpress.com&blog=753244&post=662&subd=inspiredlife&ref=&feed=1" />]]></description>
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<p><!-- #EndTags --></p>
<p>Whether you shop online, by telephone or by mail, a credit card can make buying many things much easier; but when you use a credit card, it&#8217;s important to keep track of your spending. Incidental and impulse purchases add up, and each one you make with a credit card is a separate loan. When the bill comes, you have to pay what you owe. Owing more than you can afford to repay can damage your credit rating.</p>
<p>Keeping good records can prevent a lot of headaches, especially if there are inaccuracies	on your monthly statement. If you notice a problem, promptly report it to the company that issued the card. Usually the instructions for disputing a charge are on your monthly statement. If you order by mail, by telephone or online, keep copies and printouts with details about the transaction.</p>
<p>These details should include the company&#8217;s name, address and telephone number; the date of your order; a copy of the order form you sent to the company or a list of the stock codes of the items ordered; the order confirmation code; the ad or catalog from which you ordered (if applicaple); any applicable warranties; and the return and refund policies.</p>
<p>Finally, if you have a credit card, take the following precautions:</p>
<ul>
<li>Never lend it to anyone.</li>
<li>Never sign a blank charge slip. Draw lines through blank spaces on charge slips above the total so the amount can&#8217;t be changed.</li>
<li>Never put your account number on the outside of an envelope or on a postcard.</li>
<li>Always be cautious about disclosing your account number on the telephone unless you know the person you&#8217;re dealing with represents a reputable company.</li>
<li>Always carry only the cards you anticipate using to prevent the possible loss or theft of all your cards or identification.</li>
<li>Always report lost or stolen ATM and credit cards to the card issuers as soon as possible. Follow up with a letter that includes your account number, when you noticed the card was missing, and when you first reported the loss.</li>
</ul>
<p><a href="http://www.lifecoachvaness.com">Brought to you by LifeCoach Vaness</a>
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		<title>Keep your credit record clean</title>
		<link>http://inspiredlife.wordpress.com/2009/08/18/keep-your-credit-record-clean/</link>
		<comments>http://inspiredlife.wordpress.com/2009/08/18/keep-your-credit-record-clean/#comments</comments>
		<pubDate>Wed, 19 Aug 2009 02:47:32 +0000</pubDate>
		<dc:creator>Vaness Saint-Louis</dc:creator>
				<category><![CDATA[Transform your life]]></category>

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vaness,vaness saint-louis,lifecoach vaness,credit,bankruptcy,creditors,credit report,credit score,line of credit,collections,debt,equifax,experian,transunion,annual credit report,annualcreditreport.com,ftc.gov,consumer reporting companies

Good credit is important, now and in the future. In most cases, it takes seven years for accurate, negative information to be deleted from a credit report. Bankruptcy information takes even longer &#8211; 10 years.
Know what creditors look for on credit reports
Understanding what types of [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=inspiredlife.wordpress.com&blog=753244&post=660&subd=inspiredlife&ref=&feed=1" />]]></description>
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<p>Good credit is important, now and in the future. In most cases, it takes seven years for accurate, negative information to be deleted from a credit report. Bankruptcy information takes even longer &#8211; 10 years.</p>
<h3><strong>Know what creditors look for on credit reports</strong></h3>
<p>Understanding what types of information most creditors evaluate is important. Your credit report is a key part of your credit score, but it is not the only factor. You get points for other things like:</p>
<ul>
<li>Your bill-paying history</li>
<li>How many accounts you have and what kind</li>
<li>Late payments</li>
<li>Longevity of accounts</li>
<li>The unused portions of lines of credit</li>
<li>Collections actions</li>
<li>Outstanding debt</li>
</ul>
<h3>Where to obtain a copy of your credit report</h3>
<p>Each of the nationwide consumer reporting companies &#8211; Equifax, Experian, and Transunion &#8211; is required to provide you with a free copy of your credit report, at your request, once every 12 months.</p>
<p>The three companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report. To order, click on <a href="http://www.annualcreditreport.com">www.annualcreditreport.com</a>, call 1-877-322-8228, or complete the Annual Credit Report Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You can print the form from <a href="http://www.ftc.gov/credit">ftc.gov/credit</a>. Do not contact the three nationwide consumer reporting companies individually. they are providing free annual credit reports only through <a href="http://www.annualcreditreport.com">www.annualcreditreport.com</a>, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You may order your reports from each of the nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time.</p>
<p>For more information, see YOUR ACCESS TO FREE CREDIT REPORTS at <a href="http://www.ftc.gov/credit">ftc.gov/credit</a>.</p>
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