Managing Your Specific Phobias And Panic Attacks

Overcoming your phobias can sometimes be difficult. One of the ways to manage your particular phobia is to find out what exactly is your fear. If you have trouble finding out what that fear may be, then try to talk to a professional who can help you figure out what the fear may be. Once you know what the fear is, then the next step is to find the ways to deal with that fear.

For instance, one of the ways to manage your fear is to challenge your negative thinking with positive statements and realistic thinking. When encountering thoughts that make your fearful or anxious, challenge those thoughts by asking yourself questions that will maintain objectivity and common sense. For example, your afraid that if you do not get that job promotion then you will be stuck at your job forever. This depresses you, however your thinking in this situation is unrealistic. The fact of the matter is that there all are kinds of jobs available and just because you don’t get this job promotion doesn’t mean that you will never get one. In addition, people change jobs all the time, and you always have that option of going elsewhere if you are unhappy at your present location. Changing your thinking can help you manage your fears.

Sometimes, we may be nervous doing a certain task that may be scary. When this happens, visualize yourself doing the task in your mind. For instance, you and your team have to play in the championship hockey game in front of a large group of people in the next few days. Before the big day comes, imagine yourself playing the game in your mind. Imagine that your playing in front of a large audience. By playing the game in your mind, you will be better prepared to perform for real when the time comes. Self Visualization is a great way to reduce the fear and stress of a coming situation.

When facing a current or upcoming task that overwhelms you with a lot of anxiety, divide the task into a series of smaller steps and then complete each of the smaller tasks one at a time. Completing these smaller tasks will make the stress more manageable and increases your chances of success.

As a layman, I realize it is not easy to overcome our phobias. Remember that sometimes our worrying and fears can make the problem even worse. Take things in stride and try not focus too much on the problem. In time, you will find the ways to overcome your phobia. If you have trouble, talk to a professional who can give you additional insights on your situation.

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How to Buy Physical Gold and Why Not to Invest in Gold ETFs!

Gold: the ultimate store of wealth that has been used since time immemorial. A hedge or in troubled times, a 'safe haven' in the current crisis. If your wealth is stored in gold, then who really cares if the financial system implodes? Empires, currencies and rulers have come and gone... but gold has always retained value and purchasing power. Of the various precious metals, gold is probably the easiest, most liquid (easily traded) asset you can invest in.

Gold is a traditional hedge against inflation or deflation. Against currency devaluations. Against avaricious or incompetent governments or Central Bankers. Or shall I just say, in a less politically correct manner, that America is bankrupt and Gold is the only real money? If you invest in Gold, you no longer have to rely on the "full faith and credit" of the US government - which is declining sharply.

If you're reading this article, you probably don't need me to tell you why you should buy gold. It's actually an obvious decision in the current economic climate. The question is not so much should you buy gold, as can you afford to hang on to assets denominated in a declining currency like the dollar or the pound sterling or the euro...?

The US dollar typically rises or falls inversely with the value of gold. Recently, although there's been a slight increase recently, the trend of the US dollaris downwards. My view is that the dollar will continue to decline until the US economic fundamentals look better - till America comes out of bankruptcy, that is - and that could take some years.

In terms of your savings or retirement portfolio, this means that if you invest in things like bank deposits (CDs) the net return is most likely negative. Since the beginning of 2003, US dollars held in 3-month US Treasury Bills have yielded less than 3% per year (Source: Global Financial Data). Considering that the inflation rate over this same period of time has averaged more than 3% annually (Source: US CPI), the cash accumulated had less buying power in October 2008 than it did half a decade before.

The carnage on Wall Street, and the fallout around the world, looks far from over - despite what the Feds or the mainstream media might have you believe. Every time there is a new panic like another bank or insurer collapsing, a flurry of investors with dollars, euro and pounds start a new mini gold rush.

At the same time, demand for the yellow metal continues to significantly outweigh supply. The Chinese, for example, love gold and have plenty of dollars. China is keen to diversify its huge foreign currency reserves (by far the largest in the world) away from the dollar. A small increase in China's percentage of gold reserves would cause a huge increase in demand and consequently in the gold price. Asia, particularly the Indian subcontinent, and the Middle East (think Dubai) are also seeing large increases in domestic gold demand as disposable income increases. When people think that paper currencies will be worth less in the future, they have historically looked to place their net worth into a more stable vehicle. And gold is typically viewed as a safe form of currency, as its value isn't as affected by inflation.

Why Buy Gold Offshore?

So far, so good. There's nothing particularly new or controversial about the information above. But I have always believed in a more offshore, skeptical, pragmatic approach. Like it or not, we tell things as they are.

Can we trust government to manage our finances? I think the overwhelming evidence suggests no. History shows that gold is politically sensitive, and governments (read Central Banks, particularly the Federal Reserve) don't like to see individuals buying gold. Why? Because they can't control it. They can certainly try. For example, in an earlier article you will find here, we asked seriously Will the US Government Confiscate Gold?

Then suddenly, as of late September 2008, we saw the US Federal Government beginning to limit the access of ordinary citizens to gold bullion - by withdrawing new bullion coins from circulation. (Suddenly and unexpectedly in mid-crisis the IRS also introduced a new form FBAR for reporting of foreign bank accounts)

What we can see from all this is that the smartest strategy is to keep your gold holdings outside your home jurisdiction -- where they will be well protected against all sorts of threats from governments to predatory ex-spouses. So you need to know:

How to Buy Gold Bullion Offshore

Gold bullion is the most liquid form of gold. If you want to buy gold with the idea that you'll ultimately sell it, then you will want to buy gold bullion. Bullion means either bars or coins. Fortunately, you can easily buy gold this way and just as easily sell it again anywhere in the world. If you need to break it into smaller denominations, you can for example exchange gold easily for silver coins like Panama's old Silver Balboa or Mexico's silver coins.

You can buy gold bullion by looking for offshore dealers. If you have a particular kind of coin in mind - like the Canadian Maple Leaf or South African Krugerrand, to name a few of the most popular gold coins - then do a search for that particular coin, or find the official mint websites. For example, check out the South African Mint or the Royal Canadian Mint. An interesting and more private option for Americans is restricted circulation coins. When you want to buy gold, these sites all contain helpful tools for finding local and international dealers of gold coins.

Provided you don't 'look suspicious' and you can prove the origin of your funds with some documents, it is quite easy to buy gold bullion coins anonymously with cash. Some countries, like France, charge sales tax on gold and so should be avoided. Others place burdensome restrictions on export, like major gold producers Brazil and South Africa. Others, like San Marino, are simply too far from major gold markets for purchase there to be economical - you would be saddled with high transport and insurance costs.

So where should or can you go to buy gold offshore? The undisputed capital of the business is Zurich, Switzerland. There you can buy and store your gold in the free trade zone at the airport. Major Swiss banks like Credit Suisse will sell you gold directly from their branches in Zurich Airport.

Most countries in mainland Europe are good for buying gold. Luxembourg, for example, is a friendly little place where privacy is still respected in precious metals transactions.

In the Americas, Mexico is another country where you can simply walk in to a casa de cambio and buy gold 'centenarios' over the counter for cash. Mexico has suffered from so many devaluations and is also a major producer of gold and silver, so investing in bullion coins has become popular there. There has been a serious effort in Mexico to introduce silver coins as legal tender. (For info on Mexican gold coins, known as Centenarios, visit here...

Urgent Warning: Here's why you should absolutely NOT Invest in Gold ETFs

In September 2008, shareholders in ETF securities were left high and dry - unable to trade popular commodity securities, due to concerns over the future of their backer, insurance giant AIG. Overnight, banks and brokerages stopped making markets in the Exchange Traded Commodities (ETCs) backed by the troubled insurer. The price of the stoc

Gold ETFs are vastly different to holding real gold. Turbulence, such as the above in the market, can affect the value of those gold ETFs markedly. When you buy an ETF you are buying electrons on a screen. It is not the same as buying real solid gold. What if the bank or fund manager goes out of business? What if trading in the shares is suspended, as for example short selling was just suddenly banned? What if the whole exchange is suspended as has happened in the past? Shares can be subject to massive manipulation and liquidity problems. I believe we will see dual gold prices from now on - one 'official' spot price, and another price dictated by pure supply and demand which will dictate what you can actually buy and sell real gold for in the real world.

If you own stock in an ETF, that means you own a stock that depends on the price of gold, rather than gold itself. No matter that corporations such as ETF Securities own gold. How much gold they own is not clearly discernable by the average "Joe Sixpack" who may own ETF stocks.

Even a downgrading by credit agencies like S&P or Moodies can drastically affect the share price in ETF Securities - as it has done! In September 2008 shares in ETF Securities products, which were backed by AIG, were down as much as 50% in one morning after the US insurer was downgraded by the rating agencies. The cold hard reality is that if the issuer of an exchange traded note goes bankrupt, investors holding exchange traded products backed by these notes will join the ranks of other creditors hoping to get their money back. With any gold ETF one does not own actual gold and cannot automatically or instantly redeem gold from the fund.

Indeed, to buy gold ETFs is adventurous and courageous - one might almost say dangerous - activity, in today's economic climate, with so many Wall Street firms going under.

The same is true, in my personal opinion, to the Perth Mint Certificate Program (PMCP). This program is run by the government of Western Australia, and is offered by many gold dealers and investment advisors around the world. The problem is, when you do due diligence on the Perth Mint program, you will see that you are not really buying physical gold. You are just buying papers or 'notes', and redeeming those notes later could involve substantial bureaucratic hassle. You are also reliant on the Australian government. If, for example, the US tried to confiscate all gold held by its citizens, do you think the Australian government would co-operate? Most likely yes!

Also be aware that if you hold shares in an ETF they are reportable for tax purposes. Physical gold however is not reportable. That's just another reason to consider real gold bullion bought offshore, rather than exchange traded funds.

Englishman Peter Macfarlane is an author and lecturer on offshore finance, investment, due diligence and wealth creation matters. After fifteen years advising high net worth clients on offshore asset protection structures such as companies, trusts and private interest foundations, he decided on a career change and now mentors individuals who are interested in creating, preserving and growing wealth in a secure offshore environment. Peter defines wealth in the broadest sense, believing that money is worthless if you don't have health and happiness. He is now joint editor of The Q Wealth Report, a publication dedicated to publishing freedom, wealth and privacy information for a select audience. More detailed articles about wealth creation are available at the Q.

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Hearing Impaired? Hearing Aids? Advice for “Deafies” and those who put up with us

I have always had a hearing impairment. I was born with a 70% hearing loss in both ears. While I had a mother who was sensitive to my disability, I never believed there was anything wrong wth me. As a child, I refused to wear hearing aids.

When, at 19 years-of-age, I bought one hearing aid, it was as if someone turned the sound up. I felt even more invincible. By the time I was 30, I knew I needed aids in both ears. It was not for 25 more years that I would learn that hearing aids alone were not enough.

Granted, most persons who don’t hear very well do need hearing aids. If they think they will look stupid wearing aids, these people have no idea how stupid they appear to others without them. When one gives crazy answers to sane questions ~ and misunderstands what others say ~ they don’t appear to be very bright. Amplification normally helps a great deal, even if perfect hearing is not attainable for many of us.

Consider this: Use of hearing aids might prevent you from being diagnosed as senile when you get older or loose the understanding companion who has always made allowances for you.

Yet, even with good hearing aids, I have only now come come to understand that it is my responsibility to not do those things which irritate normal hearing people ~ when I can control those very things.

If I am in another room, I have no business asking questions ~ or initiating conversations ~ which I will likely not hear right. To do so can only cause a person with normal hearing to take on unearned aggravation.

If I wish to engage in a conversation, I should make certain that the other person is close enough for me to have the best chance of hearing. And when others speak to me, ask that they do so in a hearing environment where I will understand ~ “Because I don’t want to ask you repeat yourself.” I expect the same courtesy of others that they should reasonably expect of me.

When I enter a room and see some people cocking their heads, looking at the ceiling confused, I should be sensitive enough to realize that my hearing aids are probably on too loud without someone asking, “What’s that noise?” Yes, often in an effort to hear better, I have cranked my hearing aids up to a point of “Feedback” which ~ although I can not hear it ~ many people do. Frustrated, associates have screamed, “You’re beeping!” Perhaps, my right to hear should be restricted to the point where other people’s sanity endures?

I have great difficulty communicating on the telephone. It was not uncommon for me to already be on the phone and to request assistance of the closest person to me to be my ears ~ for just a moment. I expected that person to drop everything and help me. How unfair? I have sense learned to say, “In a few minutes, I need to make a call. When you are free, would you mind being my ears if I need some?” I no longer expect everyone to allow me to interrupt them just because ~ through my lack of planning ~ I need help “Now!”

While I am on the subject, we who require special effort on other’s part to engage in conversation with us, need to learn not to begin talking to them if they are engaged in an activity which will necessitate their relocation to accommodate us, allow us to see their lips, etc.

Hopefully, I’ve learned I don’t have to talk all of the time. All of my life, I had attempted to masquerade as a normal person. The fact is, if you can’t hear ~ you are not normal! While really not wanting my captive audience to talk ~ because I knew that I would not be able to hear what they said ~ it was much easier to talk than to listen.

Now, I tell the truth. “I can’t hear what you are saying. It is not your fault, but my poor hearing. Please speak more loudly to me. And if I give you an inappropriate response, I will not be offended if you tell me that you don’t think that I understood what you said. In fact, I’d really appreciate it.”

My best advice to persons who can’t hear: Don’t try to “Fake it.” Maybe, you will get away with making like you understand the conversations? Yet, more than likely ~ and more often than you will ever know ~ others will think that you really didn’t care what they had to say.

Being hearing impaired is hard ~ not just on we “Deafies” ~ but those who put up with us too.


BTE Hearing Aid St Louis MO

Yellow Pages Advertising New Business Generating Phone Calls

Yet many small business owners are unsure about how to get the most out of their Yellow Pages advertising. is that business owners shell out more than 11 billion dollars every year on Yellow Pages advertising... Remember, effective Yellow Pages advertising design has only one objective: to bring you new business by generating phone calls. If you've got a local business, make no mistake about it: Done well, yellow pages advertising, while competitive and "tricky" ... Place your business under the Yellow Page advertising spotlight and listen to your phone and cash register sing!

Remember, with Yellow Page advertising you are at a much different point in the sales process the close. Clever headlines can be extremely effective early on in the sales process, but statistically speaking, they don't generate huge Yellow Page advertising response. He is also adamant on the importance of setting an advertising budget before talking with the Yellow Pages sales rep. In all reality, it's just best to ignore any advice your Yellow Pages advertising sales rep might give you.

While the purchase of other advertising media can often be simple and straightforward, the same thing cannot be said about yellow page renewals. If a media, such as the Yellow Pages, loses its effectiveness, I'll shift my client's advertising dollars to a more that is more effective. Finally, consider eliminating your advertisement in the Yellow Pages and placing your money in a more effective advertising media. The Yellow Pages medium provides a powerful return on investment for advertisers and can serve as the cornerstone of an integrated advertising media mix.

If you're advertising now and don't think you are getting the response you should be, talk with your Yellow Pages representative. They may even make the leap and assume that they aren t getting any calls from their Yellow Page advertising program at all. I get calls every week from lawyers saying they're not getting calls anymore from yellow page advertising. I get calls every week from lawyers saying they're not getting calls anymore from yellow page advertising.

Visit Philippine yellow pages an online yellow page in the Philippines.

Understanding a Forex Review and Benefiting

Before understanding a Forex review, you need to understand what Forex actually is? Forex is basically a market in which currencies are traded. It is known by many names. It is referred as "FX", "foreign exchange market", "spot FX", "Retail Forex", or "spot". By taking a look at a Forex review, one comes to know that it is the world's largest financial market. In this market, buyers and sellers buy and sell the currencies in order to make profit. FX is very risky business. Often many experienced traders have to face trouble in this market. So they should follow some sort of strategies in order to make their business successful.

What is traded in FX?

Forex review reveals that as it is a market of currencies, so the simple answer of what is traded in FX, is "money". It is basically a business of buying and selling of currencies simultaneously. In order to trade currency, there is a need of some commercial agent who trades the currency in pairs. Remember that in Forex exchange market currency is always traded in pairs e.g. GBP/JPY (British pound and Japanese yen). Forex is the best known home business. Also this is the most trading liquid market.

Spot market:

By taking a Forex review, you will come to know that the foreign exchange market is also called as "Spot FX". So it is necessary for traders to get the idea of spot market. "Spot market" is basically a market which deals with the current price of a financial market. All the currencies traded in the market are recognized by their three word code. The symbols used for some famous countries in foreign exchange market are: USD for united state, JPY for Japan, EUR for Europe, GBP for Great Britain, CAD for Canada, AUD for Australia, and CHF for Switzerland. The above countries are the most popular countries involved in Forex business. The foreign exchange market has daily trading volume of around $1.5 trillion.

How traders trades:

Forex review divulges that, the survival of this market depends a buying and selling of currencies. Also the survival of any market depends on the customer. Therefore Forex market also needs customers to trade. So in order to trade, the trader should determine whether they want to buy or sell. In foreign exchange market one can buy and sell currencies for another. In buying and selling of currencies the two important terms called as "long" and "short" are used. When traders buy currencies they are said to be "long" in that currencies and when they sell currencies they are said to be "short" in that currencies.

Summary:

Forex review discloses that foreign exchange market has many advantages because of which it becomes a world's largest business. The greater advantage of it is that it is 24 hour business. Also it doesn't require commission fees, brokerage fees etc. Also it is extremely liquid market. So Forex review reveals that one can start trading Forex simply by have a computer with high speed internet.

http://www.master-forex-reviews.com offers unbiased reviews, tips, advice and techniques to help you improve your forex trading strategies and master the forex market.

Forex Product Reviews

FAP Turbo

The Benefits (And Drawbacks) Of Buying Designer Kitchenware Products

If you are in the market for kitchenware, you may be considering making the purchase of designer kitchenware products. As you debate the purchase of designer kitchenware products, you may be wondering what are some of the pros and cons to making the purchase of these types of products in this day and age. As with so many things in the 21st century, there definitely are pros and cons to making the purchase of designer kitchenware products.

Of course, for many people, one of the downsides to making the purchase of designer software is the price. In many instances, these types of products can be rather pricy. Indeed, depending on what type of product that you are considering making the purchase of, when it comes to the designer brands, these items oftentimes can be budget busting propositions.

By shopping around -- including surfing around the Internet -- you can (on occasion) save at least a bit of money on designer kitchenware products. Many people in this day and age have found themselves living on very restrictive budgets. Thus, if you want to attempt to save a bit of money on designer kitchenware products, you will want to spend the time shopping around. Again, keep in mind that deals that might be available in regard to designer kitchenware are to be found both in cyberspace and in the brick and mortar world. You will not want to limit your shopping to only one of these two important shopping venues.

Even considering the price issue, there are many benefits to be had by purchasing designer kitchenware. The greatest benefit to be had through the purchase of designer kitchenware is the fact that you will be able to stylish kitchenware products in your own home. Because the kitchen really is the room that most people spend a great amount of their time, it is important for many people to have attractive and appealing kitchenware included in their overall kitchen décor. If you are such a person, you definitely will want to take a close look at the purchase of designer kitchenware.

Finally, one of the benefits of designer kitchenware is the fact that these products usually are of high quality. While you will end up spending a bit more for designer software at the outset, because these are well built products as a rule, they will be around for a long period of time.




KitchenAid Artisan Stand Mixer


KitchenAid Stand Mixer

Secret Dog Health Care Tips Your Vet Won't Share

I am going to share just a few of the secret tips that
your vet does not want you to know. These tips will help save you money and
leave you with a healthier, happy dog.

Every year, millions of dogs are taken to the veterinarian for things that could
easily be treated at home, saving you the hassle of a trip to the vet and a ton
of money in the process.

I am sure that you already know the dog health care tip about ordering your pet
medications online. But did you know that you could also order antibiotics
for your dog online without a prescription? This is a great dog health
care tip if your dog suffers from a reoccurring condition and needs these
medications on a regular basis. Amazon.com is a great place to order your
dogs medicine online and save some money in the process. One of the best
features of Amazon.com is that you can choose to purchase from several different
sources, compare prices and shipping fees all on one page.

Here is another great dog health care tip. If you have an older dog
that suffers from arthritis, you can ease your dogs arthritis with things that
you already have at home. Simply take an old knee sock and fill it with
regular rice (not instant). Once the sock is nearly filled, tie a knot in
the top of the sock and microwave it for 2-3 minutes. Before placing
this in your dogs bed, make certain that it is not too hot. This little
rice filled sock will stay warm for hours, providing moist heat and hours of
relief for your arthritic dog.

Before closing there is one more dog health care tip that I want to share
with you. This one tip alone could save you hundreds of dollars a
year. If you are a dog owner that loves to give your dog treats, you are
literally throwing your green away when you purchase those high dollar designer
treats. If you want a tasty treat for your dog that is healthy and
affordable, do your dog and your wallet a favor by picking up a package of fresh
baby carrots. You can also peel and cube apples for a healthy dog
treat. The carrots and apples are much healthier for your dog and you will
save a ton of money in the process.

For more free dog health care tips and a free e-book that can save you money, visit The dog health care blog

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