Self-realization is a path towards self-discovery:

The truth is only visible on the surface. It isn’t visible on the horizon, but it is open to anyone willing to see beyond the physical appearance. Truth does not reside in the body, but it does join it and will actively step out of it.You are the consciousness capable of experiencing and living with the reality. You are not a special edition with a body, brain, and heart, but you are a much grander experience, beyond the mind’s physical existence.The aim of the self-realization process is to get you closer to the inner reality of life. All of life’s outer paths are designed to lead you inward, to communicate with the facts. We are offering the best self-growth teaching and self-realization course, at mindfulguides.com.

Put the fears aside.

Worry is taxing on the mind, body, and soul. If you let them, they will keep you up all night. Take solace in the knowledge that everything happens for a reason and that everything will fall into place at the appropriate time. Many people challenged any part of their life during my time of poor self-esteem and total insecurity. They hadgo to bed depressed and angry, telling myself that it wasn’t good enough and that they wished they were the same age as everyone else.You’re losing out on pleasure that you could’ve had all along by endlessly berating yourself and stressing over anything that happens to you. Our professionals are highly trained to assists you in how to regulate your nervous system.

Make no attempt to inspire someone other than yourself:

One of the most important causes of self-loathing is the constant desire to inspire, satisfy, and equate oneself to others. You will not be able to satisfy yourself as long as you are trying to impress others and meet their needs.Happiness does not come from enjoying other people, as I’ve discovered. Happiness stems from a sense of fulfillment of one’s own life and aspirations.

Accept and value your abilities:

Everyone is special. Figure out what you’re good at and what makes you stand out from the crowd. Your goal is to give yourself a reason to be here.Believe in yourself and your direction.There will be challenges as you try to figure out what you want in life. Don’t let someone or something get in the way of your progress. Believe in yourself and in the choices you make.Maintain a good attitude to keep going forward. Moreover, we are leading the era of empowerment course and 10 min mindfulness meditation.

Surround yourself with positive people:

Spend as little time as possible with those who naysay, criticize, or insult you. Make the conscious decision to associate yourself with only constructive, motivating forces. If you do, you will be much happier and more confident in yourself.Create a list of encouraging or inspiring sayings or quotations and keep it somewhere you can see it every day. Place the list under your pillow or on the door of your refrigerator.The most important thing to remember is that you are valuable, that you can go another day, and that you are capable of happiness. Nothing can be thrown at you that you can’t do or solve.

Connecticut Foreclosure Rates Double: What Can Homeowners Do?

Recent news regarding foreclosure rates in Connecticut shows that plenty of homeowners are still in peril of losing their homes due to financial distress. Real estate analysts disclosed that Connecticut’s foreclosure rate more than doubled between July 2011 and July 2012.

Looking at current foreclosure rates on the regional level, New Haven County had the second highest rate in the state, with one in every 854 housing units in the county in foreclosure. In Fairfield County, the rate is slightly better at one of every 903 units, but the rate is much higher in cities like Bridgeport (one in 460) and New Haven (one in 547).

Homeowners who face the threat of foreclosure have several clear options that they can discuss with a Connecticut attorney who understands real estate and bankruptcy law. While keeping the home may be an important goal, avoiding foreclosure also has major long term implications for a person’s credit rating. Several common options include:
- Convincing the bank to accept a short sale involving a buyer who makes an offer at an assessed value that is less than the amount due on the mortgage
- Offering the lender a deed in lieu of foreclosure, essentially handing over the property to the bank and avoiding further legal proceedings
- Working with a bank or mortgage servicing company to achieve a mortgage modification and lower the interest rate or extend the payback period on a existing home loan
- Entering into foreclosure mediation based on the new Connecticut Foreclosure Mediation Program to resolve certain issues regarding mortgage arrears, modification of terms and payment of remaining principal

All of these options have certain advantages for homeowners, based on a person or couple’s unique financial circumstances and personal developments such as divorce, loss of a job or pending retirement. A debt relief lawyer can explain all of these processes in detail and help clients understand associated issues such as deficiency judgments, second-mortgage stripping and the implications of other debt burdens.

Why Are Connecticut Foreclosure Rates Rising So Steeply?

Some mortgage industry commentators have speculated that the recent scandals over inadequate mortgage documentation and robo-signing had held back the tide of foreclosures. The floodgates reopened after the federal government and state attorneys general entered into a comprehensive agreement with major mortgage servicing companies earlier this year.

Part of that agreement was a renewed commitment to helping people stay in their homes despite underwater mortgages and the harsh effects of plummeting real estate values and a down economy. A consultation about stopping foreclosure or getting out from under an unsustainable mortgage can help homeowners understand strategies for regaining their financial footing.

Article provided by David G. Volman, Attorney at Law, L.L.C.
Visit us at www.volmanlaw.com

Important Ways In Which An EMI Calculator Will Help You

There are several housing loan EMI calculators provided by banks/finance organizations to assist potential home loan borrowers. Whether you’re just checking out homes or finalizing a home and the loan, a home loan EMI calculator is perfect for you – one always needs to understand their monthly repayments and other details. Hence, you are never done with home loan EMI calculations.

Firstly, most people use the home loan calculator to confirm if a particular property fits their budget. Alternatively, they use it to figure out if a certain property can be acquired by extending the duration or the tenure of the home loan. There are some borrowers who wish to understand the impact of different tenures, principal amounts and interest rates on their financial life, since EMIs vary considerably due to these three factors. It is wrong to assume that it is a simple home loan calculation; since there are a lot of factors that affect the EMIs and your monthly outgoing expenses.

Secondly, a home loan calculator is not just a simple tool to calculate your monthly payments. This tool enables you to match the loan and home variables and negotiate with the seller and the finance company accordingly. In other words, you have a clear idea about your strengths and weaknesses, what you can afford to purchase and what you cannot, how much you can pay over the coming years etc. keeping in mind the other obvious or unforeseen expenses.

Though an EMI calculator cannot help you to anticipate expenses, you get a fair idea about how much you must manage within. Most finance experts suggest that an EMI should be lesser than 30% of your monthly income, since this would make it convenient for you to pay it off easily spite of other regular and potential expenses.

Thirdly, this tool is a powerful way to identify the suitable neighbourhood or city since the principal amount is the major factor and real estate depends mainly upon the location.

The home loan calculators in India work well in conjunction with the other online tools such as a stamp duty calculator and the housing loan eligibility calculator. This allows you to understand how much loan amount you can easily get and how extensive other expenses such as processing fees can be. Though these are indicators as well, they give you a fair idea about the potential expenses.