Wednesday, March 24, 2010

By Jai Dahalli

The secret of success in todays times is to reinvent yourself constantly keeping in mind that you do not lose heart and keep on motivating yourself and keep moving towards giving your 100%.

Along with physical ability and strength your mental and spiritual stability is also very important for your constant growth. The chakras within you play an important role as these points of spiritual energy offer a great deal to your character and wisdom; they act as the intermediaries between the soul and the physical body.

In order to reach your goals it is important that the strength and energy lying within you are transformed into performance and here is where the chakras play a defining role. The only thing that you need to be careful about is that these chakras require being refreshed periodically or else their efficiency might reduce.

Since each chakra in our body has relevance with various aspects we need to understand and ensure that all of them are paid adequate attention, the seven chakras in your body lie between the bottom of your spine and the head.

While you are clearing the chakras you get away the negativity from the body and bring in positive energy, stabilizing it in the body.

The various moves made by your body have different effects in the flow of energy, while positive energies come in on the occurrence of clockwise movements while anti-clockwise movements are required to eliminate the negativity.

Also in the process of clearing chakras you might experience a little pain in body parts but that is just an indication of the occurrence of the process of energy exchange.

The energy obtained by means of exchange in the process of chakra clearing is said to come from the planets and are used by man to channelize his efforts optimally.

Clearing chakras leads to complete reinvention of your personality and you feel as if the world around you has become very pleasant. Individuals like to perform this act on a regular basis but the regularity differs from individual to individual.

You would see that after clearing chakras you would be able to develop a better ability to respond to various situations, also you would find yourself discovering newer thoughts and ideas, in fact people are able to see a newer side of their personality often after they have cleared and balanced their chakras.

You can start working out initially with a single or a couple of chakras and gradually ensure that you are able to clear all your chakras to get the maximum benefits of your inner skills and energies. You will feel at peace and also you would be comfortable in the position you are.

In order to understand which chakra you need to clear you will not need to know rocket science but just feel the reactions of your body parts and then work on the chakra it relates to.

Todays competitive world demands a lot of agility and awareness and without the right approach and the correct balance of all your energies making your abilities count as performance would be quite difficult.

The spiritual energy has a potential role to play in the success of an individual in all fields and that has been realised by people practising this art. Also efforts are being made to understand the science of chakras in a better way.

The amount of satisfaction and accomplishments that the functioning chakras bring into your life is enormous, it is just the question of how effectively you practise it to achieve a refreshed source of energy.

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Tuesday, March 23, 2010

Student Loan Consolidation Programs has never been easier with todays Internet resources at your finger tips. When looking for the best student loan consolidation information take some time to research the the process of getting the best rates and plans for yourself.

So what does student loan consolidation involve I hear you ask? If you are a current or former student with school loans, you have probably been bombarded with mailed and on line solicitations to consolidate your debt. The loan application process can seem overwhelming, particularly if you have more than a couple of loans issued from a number of lenders. However, it is generally simple and straightforward if you are prepared. There are several advantages for having a student loan consolidation program and although they won't all apply to you, some of them will. Here is a brief overview of what you can expect when you decide to consolidate your student loans.

First, you will need to choose a lender for your student loan debt consolidation It has never been easier than it is today because we have Internet resources available at our finger tips.
There are many to choose from, but, in general, it's smart to stick to a well-established financial institution. These lenders will have a variety of payment plans and discounts, and they will be less likely to sell your loan to another lender in the future. There should never be a charge or fee for consolidating student loans. As well, a lender should not need to check your credit because Federal student loans are guaranteed by the U.S. government.

Next, you will need to fill out a student loan consolidation application Remember to gather all the student loan consolidation information you have on your existing loans prior to filling out your application. Also, you will need to supply personal references. Before you sign your name on the application, make sure that you clearly understand the terms of the new loan. Ask about incentives and discounts that can help reduce your payment. Many lenders have forms you down load and on line calculators to determine the amount you will pay with your new loan.

Once you have submitted your completed student loan consolidation application, the lender will send each of your loan holders a Loan Verification Certificate (LVC) to verify the amount owed on each of your Federal student loans. You can expect that your existing lenders will take up to 30 days to return the LVCs. Once these certificates are processed, the interest rate will be calculated and a disclosure statement is prepared. Checks will be issued to your lenders to pay off your loans, and your new consolidated loan will be issued.

This entire process can take between 30 to 180 days to complete, and if information is missing from your application, it can take even longer. Most lenders have customer service representatives who will gladly keep you updated on the status of your loan application. Remember to continue to pay on your existing loans while your application is being processed. You will be financially responsible for these loans until the new lender has paid off them in full.

Finally, keep in mind that interest rates on student loans are adjusted annually every July 1st. This year, rates will be increasing 2.1 percent. You can be assured of the lower rate if you submit a completed application early. If you have credit card debt you may be paying 20% plus interest. Interest rates are currently at their lowest for 40 years. Your new consolidated loan will have a low fixed rate of interest. Could there be a better time to consolidate your loans? Don't wait until the end of June to start the process.

While consolidating student loans can be a time consuming task, with a little advanced preparation and research you can complete your application with minimal effort. And, once your new loan is processed, you will most certainly be thrilled with your lower student loan repayment.