Consumers 'face Rising Debt Service Costs'_56115

Britons are paying back a record amount of debt, according to a new study.

Figures released by PricewaterhouseCoopers (PwC) have indicated that for every pound households earn,imitation rolex watches, some 19 pence is going towards repaying debts accrued on personal loans, credit cards and mortgages. Topping the previous height of 18 pence noted during the third quarter of 1990,black uggs cheap, the study indicated that a record number of consumers have seen their financial stature squeezed.

John Hawksworth, head of macroeconomics for PwC, said: "Many households have faced a squeeze on their finances due to a combination of modest earnings growth,black uggs boots, rising utility bills, higher petrol prices and increased debt repayment costs. As a result, the amount of money left over to spend on other goods and services has grown a lot more slowly than headline indicators like gross domestic product (GDP) might suggest."

The macroeconomics expert also claimed: "The relatively rapid growth of debt service costs throughout the whole period and of utility bills during the past three years are major factors tending to squeeze household discretionary spending power." Mr Hawksworth added: "Looking ahead, we expect rising debt service costs to contribute to slower consumer spending growth over the next two to three years."

Figures from the accountancy firm also indicated that more households have been taking out loans to help reduce the effects of a slowdown in pay rate growth. Since 1995, household spending is reported to have risen by 5.5 per cent year-on-year. However, disposable income had increased by only by 4.9 per cent. The proportion of income left after paying debts and household bills was also reported to have fallen. Between 2004 and 2006 this figure stood at 3.1 per cent, compared to a year-on-year increase of 3.9 per cent noted from 1997 to 2006.

PwC also claimed that GDP is set to fall to 2.75 per cent over the course of this year before decreasing to 2.5 per cent in the early stages of 2008. Meanwhile, consumer inflation is expected to decrease towards the Bank of England's two per cent target of by next year as the cost of household bills drops. Despite this, the accountancy company claimed that the Bank's monetary policy committee is still to increase the base rate to six per cent before the end of 2007.

However, a recent study conducted by Sainsbury's Bank has indicated that 2.8 million Britons are purposely ignoring their financial situation. With some 11 per cent said to have left a credit card or bank statement unopened,black uggs, these consumers could be developing further problems in making loan repayments.

According to figures released by Credit Action, Britain's total personal debt stood at ?,325 billion as of the end of April - a rise of some 10.4 per cent over the previous 12-month period. With the country's personal debt said to be increasing by ? million every four minutes, the financial charity reported that some 330 people every day declare themselves either insolvent or bankrupt as they struggle to make repayments on their loans and credit cards.  

Chapter 7 Bankruptcy Mn_45156

Consumers who file chapter 7 bankruptcy MN must be eligible. To be eligible in filing bankruptcy chapter 7, a consumer must pass a means test. The means test is a way that a bankruptcy trustee can determine whether you have the means to pay your debts or not. When you take a means test and the results shown is that you can pay your debts, this will lead to your assigned bankruptcy trustee to convert your chapter7 bankruptcy to a chapter 13. A chapter 13 is another type of bankruptcy which resolves debts through a repayment plan. You foresee if you can pass a means test by just looking at your own monthly income. Your income must be at least below average to consider yourself having a passing mark in the means test. If you conclude that you cannot pass the means test, there are ways that you can do to fix this. Timing is everything in bankruptcy. If currently you are having an income that is considered as above average but you can see your income will probably drop down to below average in the coming months then I suggest you wait for a while and when your income drops significantly to be considered as below average then proceed in taking the means test. Another thing you can do is just to proceed with the means test whatever the result maybe. If the bankruptcy trustee converted your bankruptcy chapter 7 to chapter 13, do not worry. There is always a possibility reverting it back to a chapter 7 and that is if only your income drops and proves to the court that you are going to undue hardships with the repayment plan.

Your chapter 7 bankruptcy MN starts when you file your bankruptcy petition in court but before that, you need to prepare your papers properly. Your bankruptcy papers are the basis of the bankruptcy court in deciding the faith of your bankruptcy case. Make sure your bankruptcy papers are correctly filled up and prepared. Mistakes are costly in the end. One misplace information can cost you more properties to lose than you need to. You can prepare your bankruptcy papers without any professional help but this can be difficult. Remember that you are learning the bankruptcy process while doing this and can be very hard for inexperience bankruptcy filers who are filing for the first time. For some information and a little help on your papers, you can go online and search information on the internet. You can download PDF bankruptcy forms or even ask an online bankruptcy lawyer for help.

I suggest you prepare your papers by acquiring the help of a petition preparer or a bankruptcy lawyer. They can prepare your papers and fill them out for you. The difference between the two professions is that petition prepares ask only a flat fee and specialize in preparing and filling out bankruptcy forms but they are not authorized to give you legal advice, while a bankruptcy lawyers, on the other hand, charge a lot and can give you legal advices. For more support on how to file bankruptcy, visit www.onlinebkassist.com.

Why You Should Consider A Home School Solution For Your Child!_45686

The MBA degree in operations management (MBA- OM) is one of the essential business courses that help the candidates to sharpen their decision making powers. This course helps you understand the business theories and make you develop the industrial sector and country over all. With innovative thought process, creative ideas, analytical approach and sharp management qualities, this course can make all the aspiring candidates the next leaders of the nation in their respective field. A business degree in operation management will help you gain an identity in today s corporate world.

Importance of MBA in Operations Management

In a competitive world, today every one looks for opportunity to grow ahead of others. Unfortunately, in spite of having the core talent many among us miss the chance to be on top. Why? Probably, a recognition can do the cause! A MBA- OM degree not only offers that much needed respect but also acknowledges the core talent of aspiring candidates and brings them on to the field of work.

Developing countries like India is in a need of such professionals who can develop the infrastructure and industrial set up of their nation and help their country make a stand in the global platform. With a focus on nation s growing issues, management institutes are preparing such leaders who can carry forward their value-oriented & cost-reducing solutions and utilize them to the best of their possibilities. Doing MBA in OM is a step forward towards a money- making and demanding career.

Scope in operational management

Those who are willing to do MBA in operations management can have a bright career in banking, transport, insurance, manufacturing and government sectors. With significant experience, candidates are entitled to grab the positions of plant manager, department supervisor, purchasing manager, quality manager, administrator, analyst, supervisor and purchaser. See, how rewarding this career is!

Any one who seeks for such high career prospects, much possess a degree of MBA in Operations Management!

Worry is the interest paid by those who borrow trouble.

Worry Quotes

Worry is the interest paid by those who borrow trouble.
- George Washington

Worry never robs tomorrow of its sorrow, it only saps today of its joy.
- Leo Buscaglia

fake uggs boots
fake uggs

Worry often gives a small thing a big shadow.
- Swedish Proverb

It is not work that kills men; it is worry.
Worry is rust upon the blade.
- Henry Ward Beecher

Worrying is like a rocking chair, it gives you something to do, but it gets you nowhere.
- Glenn Turner

When I look back on all these worries,
I remember the story of the old man who said on his deathbed
that he had had a lot of trouble in his life,
most of which had never happened.
- Winston Churchill

Regret, worry, and fear squeeze the juice from life leaving a dry hulk.
- Jonathan Lockwood Huie

Beware the Rattlesnake of the Mind
- Jonathan Lockwood Huie

Why Mba In Operations Management_38794

The MBA degree in operations management (MBA- OM) is one of the essential business courses that help the candidates to sharpen their decision making powers. This course helps you understand the business theories and make you develop the industrial sector and country over all. With innovative thought process, creative ideas, analytical approach and sharp management qualities, this course can make all the aspiring candidates the next leaders of the nation in their respective field. A business degree in operation management will help you gain an identity in today s corporate world.

Importance of MBA in Operations Management

In a competitive world, today every one looks for opportunity to grow ahead of others. Unfortunately, in spite of having the core talent many among us miss the chance to be on top. Why? Probably, a recognition can do the cause! A MBA- OM degree not only offers that much needed respect but also acknowledges the core talent of aspiring candidates and brings them on to the field of work.

Developing countries like India is in a need of such professionals who can develop the infrastructure and industrial set up of their nation and help their country make a stand in the global platform. With a focus on nation s growing issues, management institutes are preparing such leaders who can carry forward their value-oriented & cost-reducing solutions and utilize them to the best of their possibilities. Doing MBA in OM is a step forward towards a money- making and demanding career.

Scope in operational management

Those who are willing to do MBA in operations management can have a bright career in banking, transport, insurance, manufacturing and government sectors. With significant experience, candidates are entitled to grab the positions of plant manager, department supervisor, purchasing manager, quality manager, administrator, analyst, supervisor and purchaser. See, how rewarding this career is!

Any one who seeks for such high career prospects, much possess a degree of MBA in Operations Management!

Why Do We No Longer Need To Use Our Clairvoyant Powers-_32921

It's really no surprise that clairvoyant powers have always been shrouded in a great deal of mystery. Individuals that are clairvoyant possess an unique gift that often scares and confuses people that don't possess paranormal capabilities. Why do people feel this way? It's because people with clairvoyant powers have knowledge of the unknown and those that without this ability resent the clairvoyant's ability to see the present, past, and future.

If you're wondering exactly what clairvoyant power are, they are basically a way to see more than most people do. Everyone has five senses, but a clairvoyant has six senses, allowing them to use extra sensory perception to see things which are not present in the natural world. This ability permits them to make predictions and see the past through an ability which is regarded as retro-cognition.

Clairvoyance is not a modern day phenomenon and has been in practice since primeval times. Today clairvoyants give readings in order to help people find the answers to problems in their life. This can be on anything from helping them decide on the best career path, and even find their true love.

These days, generally speaking, people are not jealous or fearful of those possessing clairvoyant powers. In fact we are all born with dormant clairvoyant powers and can develop them if we choose to do so.

If you are ready to tap into your source of power and develop your clairvoyant abilities you need to clear your psyche. The best way to accomplish this is with meditation.

Those who are clairvoyant have generally let go of most of the negative aspects which separate them from other people. The negative feelings and thoughts will keep you blinded from the truth.

With regular meditation you will see the strength that is buried within you, and you will be able to take hold of it and use it to your advantage. Make sure that you get rid of any negative parts, and attempt to keep the positive. If you do this, then it will be simpler for you, and you will have many new capabilities.

Your meditation sessions should occur every day for at least 30 minutes at a time. It is important to choose a quiet place that has no distractions. Also, take care to choose a place that is free from negative energy. Some who are learning to open up to their potential may choose to meditate outside, allowing nature and the universe to help them release those negative energies.

Pay attention to your feelings as you meditate and use deep breathing to release those negative energies. This will make you more aware of natural vibrations and changes that happen in the world. This is a skill that allows those with clairvoyant powers to see and sometimes feel events before they happen.

One additional thing that you can do to help yourself is to put yourself in the mind of a child. What exactly will this do? Essentially, children can see things that adults simply cannot because their logic and reasoning skills are not quite developed.

Learn to free your mind to pursue thoughts and ideas that you have always shut off before. Release your inhibitions and let all fear go, allow yourself to connect with the universe around you and realize that everything and everyone is connected.

Now after you have made meditation a part and parcel of your life, to give your now developed power and energy the reigning position and to enhance its refinement more, you can purchase a deck of tarot cards. Both the practice of card reading and chirology (palm reading) requires a physical participation of the practitioner or the pursuer, thus giving accurate results and allowing better analysis of the signs and symbols that appear to you.

One way to practice using your newly developed powers is to give clairvoyant readings at no cost. With continued meditation you will start to see auras that surround individuals.

This makes you more in tune with what will happen in their lives and making you see deeper, enhancing your ability to perceive not only the present and future but also the past, the most difficult of clairvoyant powers to harness.

An ability which many people do not speak of, is the ability to speak to the dead. To use something like this you will need to let go of those fears and dispositions related to speaking with the dead and seeing apparitions.

You don't need to be afraid of this ability, speaking to the dead is much like speaking to a real person. If you can do it then your powers truly have come a long way because you can see and hear things that most other people cannot.

As you begin to travel along this path you will begin to see that everyone has the ability to be clairvoyant. It just takes some effort to develop the skills. As you begin to dig deep into your internal system you will begin to change not only your life, but that of others as your clairvoyant powers develop.

Be open to new ways; sometimes newness just knocks on our door; welcome it.

The darkest night is often the bridge to the brightest tomorrow.
- Jonathan Lockwood Huie
Powerful Dreams Inspire Powerful Action.
When you can taste, smell, and touch your dream, you can enroll the world.
- Jonathan Lockwood Huie
Celebrate endings - for they precede new beginnings.
- Jonathan Lockwood Huie
Welcome the Unexpected. Mostly, it is human to dislike surprises - often with great intensity.
Be open to new ways; sometimes newness just knocks on our door; welcome it.
- Jonathan Lockwood Huie
Whatever you want in life, start today.
Not tomorrow - today.
Let it be a small beginning - a tiny beginning.
Your happiness depends on starting today - every day.
- Jonathan Lockwood Huie
Another Sunrise, Another New Beginning
- Jonathan Lockwood Huie
Consider a new beginning with your family - choose to take them less seriously.
- Jonathan Lockwood Huie
Play with life,
laugh with life,
dance lightly with life,
and smile at the riddles of life,
knowing that life's only true lessons are writ small in the margin.
- Jonathan Lockwood Huie
I Can Do Anything - Starting Right Now. I have my dream, I have God, and I choose to move in the direction of my goal, even when I am afraid or unsure. Whenever I fall, I stand up, brush myself off, and keep moving toward my goal.
- Jonathan Lockwood Huie

Without forgiveness, there is no future.

There is a freedom in letting go of someone.
- Anonymous

Letting go doesn't mean giving up... it means moving on.
- Anonymous

Today is the first day of the rest of your life.
- Anonymous

To err is human, to forgive divine.
- Alexander Pope

My Mama always said you've got to put the past behind you before you can move on.
- the movie Forrest Gump

You are responsible for your life.
You can't keep blaming somebody else for your dysfunction.
Life is really about moving on.
- Oprah Winfrey

Without forgiveness, there is no future.
- Archbishop Desmond Tutu

Before moving on, you have to clear away your cherished beliefs.
- Dick Raymond

Courage doesn't always roar.
Sometimes courage is the quiet voice
at the end of the day saying,
"I will try again tomorrow."
- Mary Anne Radmacher

Insanity is doing the same thing over and over again and expecting different results.
- Albert Einstein

You are never too old to set another goal or to dream a new dream.
- C. S. Lewis

Life is either a daring adventure or nothing.
Security is mostly a superstition.
It does not exist in nature.
- Helen Keller

Discontent is the first necessity of progress.
- Thomas Edison

Anyone can be passionate, but it takes real lovers to be silly. - Rose Franken

Love is the triumph of imagination over intelligence.
- H. L. Mencken

Guys are like stars, there are millions of them, but only one to make your dreams come true.
- Anonymous

Love is being stupid together.
- Paul Valery

Don't marry the person you think you can live with; marry only the individual you think you can't live without.
- James C. Dobson

Anyone can be passionate, but it takes real lovers to be silly.
- Rose Franken

There is no remedy for love but to love more.
- Henry David Thoreau

Love doesn't make the world go 'round, Love is what makes the ride worthwhile.
- Franklin P. Jones

The first sigh of love is the last breath of wisdom.
- Anonymous

Love is not a matter of counting the years, but making the years count.
- Michele St. Amand

Life is the flower for which love is the honey.
- Victor Hugo

All mankind love a lover.
- Ralph Waldo Emerson

Love is much like a wild rose, beautiful and calm, but willing to draw blood in its defense.
- Mark Overby

All the art of living lies in a fine mingling of letting go and holding on.

When one door of happiness closes, another opens,
but often we look so long at the closed door
that we do not see the one that has been opened for us.
- Helen Keller

There are things that we never want to let go of,
people we never want to leave behind.
But keep in mind that letting go isn't the end of the world,
it's the beginning of a new life.
- Anonymous

The greatest glory in living lies not in never falling,
but in rising every time we fall.
- Nelson Mandela

Failure is success if we learn from it.
- Malcolm Forbes

Mama always said life was like a box of chocolates.
You never know what you're gonna get.
- the movie Forrest Gump

All the art of living lies in a fine mingling of letting go and holding on.
- Havelock Ellis

Courage is the power to let go of the familiar.
- Raymond Lindquist

If you love something, set it free;
if it comes backs it's yours, if it doesn't, it never was.
- Richard Bach

One's first love is always perfect until one meets one's second love.
- Elizabeth Aston

If you judge people, you have no time to love them.
- Mother Teresa

Love is like war: easy to begin but very hard to stop.
- H. L. Mencken

Love begins with a smile, grows with a kiss, and ends with a teardrop.
- Anonymous

True love doesn't have a happy ending,
because true love never ends.
Letting go is one way of saying I love you.
- Anonymous

Consider calling it a challenge rather than calling it a crisis.

Nothing happens unless first a dream.
- Carl Sandburg

I slept and dreamt that life was joy.
I awoke and saw that life was service.
I acted and behold, service was joy.
- Rabindranath Tagore

You must be the change you wish to see in the world.
- Mahatma Gandhi

Begin each day as if it were on purpose.
- Mary Anne Radmacher

…when the task is accomplished,
the people will say
"We have done it ourselves."
- Lao Tzu

The biggest adventure you can take is to live the life of your dreams.
- Oprah Winfrey

At the end of a matter ask, "what will I learn from this to make me better?"
- Mary Anne Radmacher

In the beginning was the Word.
- John 1:1

Consider calling it a challenge rather than calling it a crisis.
- Mary Anne Radmacher

The goal of life is to make your heartbeat match the beat of the universe,
to match your nature with Nature.
- Joseph Campbell

Life is without meaning.
You bring the meaning to it.
The meaning of life is whatever you ascribe it to be.
Being alive is the meaning.
- Joseph Campbell

We must be willing to get rid of the life we've planned,
so as to have the life that is waiting for us.
The old skin has to be shed before the new one can come.
- Joseph Campbell

Use the power of your word in the direction of truth and love.
- don Miguel Ruiz

Your worst enemy cannot harm you as much as your own unguarded thoughts.
- The Buddha

The jump is so frightening between where I am and where I want to be...
because of all I may become I will close my eyes and leap!
- Mary Anne Radmacher

Take away love and our earth is a tomb.

I love you not only for what you are, but for what I am when I am with you.
I love you not only for what you have made of yourself, but for what you are making of me.
I love you for that part of me you bring out.
- Roy Croft

The best and most beautiful things in the world cannot be seen or even touched. They must be felt with the heart.
- Helen Keller

If I never met you, I wouldn't like you.
If I didn't like you, I wouldn't love you.
If I didn't love you, I wouldn't miss you.
But I did, I do, and I will.
- Anonymous

Lovers embrace that which is between them rather than each other.
- Khalil Gibran

When we find someone whose weirdness is compatible with ours, we join up with them and fall into mutually satisfying weirdness - and call it love - true love.
- Robert Fulghum.

black uggs boots
black uggs cheap
http://www.fakeuggsboots.org/

And think not, you can direct the course of love; for love, if it finds you worthy, directs your course.
- Khalil Gibran

Take away love and our earth is a tomb.
- Robert Browning

The basic discovery about any people is the discovery of the relationship between men and women.
- Pearl S. Buck

Love conquers all things except poverty and a toothache.
- Mae West

Love is an irresistible desire to be irresistibly desired.
- Robert Frost

The best thing about me is you.
- Shannon Crown

To the world you may be one person,
but to one person you may be the world.
- Bill Wilson (disputed)

Love begins with a smile, grows with a kiss, and ends with a teardrop.
- Anonymous

Laughter is the best medicine.

o laugh often and much;
to win the respect of intelligent people and the affection of children,
to leave the world a better place,
to know even one life has breathed easier because you have lived,
this is to have succeeded.
- Ralph Waldo Emerson

A well-developed sense of humor
is the pole that adds balance to your steps,
as you walk the tightrope of life.
- William Arthur Ward

Earth laughs in flowers.
- Ralph Waldo Emerson

Tears and laughter cleanse the heart.
- Jonathan Lockwood Huie

A person without a sense of humor is like a wagon without springs.
It's jolted by every pebble on the road.
- Henry Ward Beecher

Laughter is the best medicine.
- Anonymous

Through humor, you can soften some of the worst blows that life delivers.
And once you find laughter,
no matter how painful your situation might be,
you can survive it.
- Bill Cosby

Laugh when you can,
apologize when you should,
and let go of what you can't change.
Life's too short to be anything... but happy.
- Anonymous

Against the assault of laughter nothing can stand.
- Mark Twain

Live Well... Laugh Often... Love Much.
- Anonymous

The best way to cheer yourself is to try to cheer someone else up.
- Mark Twain

Laugh when you can, apologize when you should

We must be willing to let go of the life we have planned,
so as to accept the life that is waiting for us.
- Joseph Campbell

When I let go of what I am, I become what I might be.
- Lao Tzu

Some of us think holding on makes us strong;
but sometimes it is letting go.
- Hermann Hesse

God grant me the serenity
To accept the things I cannot change;
Courage to change the things I can;
And wisdom to know the difference.
- Reinhold Niebuhr

Life is not about waiting for the storms to pass...
It's about learning how to dance in the rain.
- Vivian Greene

Holding on to anger is like grasping a hot coal
with the intent of throwing it at someone else;
you are the one who gets burned.
- The Buddha

Laugh when you can,
apologize when you should,
and let go of what you can't change.
Life's too short to be anything... but happy.
- Anonymous

Where there is great love there are always miracles.
- Willa Cather

The human race has one really effective weapon, and that is laughter.
- Mark Twain

Live and let live.
- Anonymous

Life is an exciting business, and most exciting when it is lived for others.

Life is either a daring adventure, or nothing.
- Helen Keller

Life is really simple, but we insist on making it complicated.
- Confucius

One must never, for whatever reason, turn his back on life.
- Eleanor Roosevelt

If you want others to be happy, practice compassion.
If you want to be happy, practice compassion.
- Tenzin Gyatso, the 14th Dalai Lama

Courage doesn't always roar.
Sometimes courage is the quiet voice
at the end of the day saying,
"I will try again tomorrow."
- Mary Anne Radmacher

Life is an exciting business, and most exciting when it is lived for others.
- Helen Keller

Life is a succession of lessons which must be lived to be understood.
- Helen Keller

As far as we can discern,
the sole purpose of human existence is to kindle a light in the darkness of mere being.
- Carl Jung

Live with intention.
Walk to the edge.
Listen hard.
Practice wellness.
Play with abandon.
Laugh.
Choose with no regret.
Appreciate your friends.
Continue to learn.
Do what you love.
Live as if this is all there is.
- Mary Anne Radmacher

True love has no limits.

True love has no limits.
- Anonymous

Only in the agony of parting do we look into the depths of love.
- George Eliot

Absence diminishes small loves and increases great ones,
as the wind blows out the candle and blows up the bonfire.
- Francois de la Rouchefoucauld

If you love something, set it free;
if it comes backs it's yours,
if it doesn't, it never was.
- Richard Bach

Absence makes the heart grow fonder.
- Thomas Haynes Bayly

Absence does not make the heart grow fonder, but it sure heats up the blood.
- Elizabeth Ashley

Absence sharpens love, presence strengthens it.
- Benjamin Franklin

Love is not a mere sentiment.
Love is the ultimate truth at the heart of creation.
- Rabindranath Tagore

Who, being loved, is poor?
- Oscar Wilde

Where There is Love, Nothing is Missing.
- Jonathan Lockwood Huie

Don't judge each day by the harvest you reap but the seeds you plant

A generous heart, kind speech, and a life of service and compassion are the things which renew humanity.
- The Buddha

Life is unlimited - it expands with the generosity, compassion, inventiveness, and service that you contribute.
- Jonathan Lockwood Huie

I have found that among its other benefits, giving liberates the soul of the giver.
- Maya Angelou

black uggs boots
black uggs cheap

Don't judge each day by the harvest you reap but the seeds you plant.
- Robert Louis Stevenson

The generous man enriches himself by giving;
the miser hoards himself poor.
- Dutch Proverb

A person's true wealth is the good he or she does in the world.
- Mohammed

What we give to the poor is what we carry with us when we die.
- Peter Marin

Lose yourself in generous service
and every day can be a most unusual day,
a triumphant day, an abundantly rewarding day.
- William Arthur Ward

A single generosity enlarges the world.
- Mary Anne Radmacher

Because of deep love, one is courageous.
Because of frugality, one is generous.
Because of not daring to be ahead of the world,
one becomes the leader of the world.
- Lao Tzu

No one has ever become poor by giving.
- Anne Frank

We realize that what we are accomplishing is a drop in the ocean.
But if this drop were not in the ocean, it would be missed.
- Mother Theresa

One of the sanest, surest, and most generous joys of life
comes from being happy over the good fortune of others.
- Robert A. Heinlein

Compassion and generosity are the true measures of human worth.
- Jonathan Lockwood Huie

Jesus said: "A man was going down from Jerusalem to Jericho, when he fell into the hands of robbers.
They stripped him of his clothes, beat him and went away, leaving him half dead.
A priest happened to be going down the same road, and when he saw the man, he passed by on the other side.
So too, a Levite [religious leader], when he came to the place and saw him, passed by on the other side.
But a Samaritan [Samaritans and Jews generally disliked and were suspicious of each other] came where the man was;
and when he saw him, he took pity on him.
He went to him and bandaged his wounds ... and ... took him to an inn and took care of him." ...
Jesus [said] "Go and do likewise."

Conformity is the jailer of freedom and the enemy of growth.

The only thing we have to fear is fear itself.
- Franklin D. Roosevelt

It is our choices ... that show what we truly are, far more than our abilities.
- J. K. Rowling (Harry Potter and The Chamber of Secrets)

If we don't change, we don't grow.
If we don't grow, we aren't really living.
- Gail Sheehy

Change is the law of life.
And those who look only to the past or present are certain to miss the future.
- John F. Kennedy

Conformity is the jailer of freedom and the enemy of growth.
- John F. Kennedy

Though we travel the world over to find the beautiful,
we must carry it with us or we find it not.
- Ralph Waldo Emerson

No one can give you better advice than yourself.
- Cicero

Change is the essential process of all existence.
- Spock (character in the TV series Star Trek)

I don't think of all the misery but of the beauty that still remains.
- Anne Frank

We cannot change anything until we accept it.
- Carl Jung

He who rejects change is the architect of decay.
- Harold Wilson

This above all, to thine own self be true

You must do the things you think you cannot do.
- Eleanor Roosevelt

This above all, to thine own self be true.
- William Shakespeare

The future belongs to those who believe in the beauty of their dreams.
- Eleanor Roosevelt

It is better to light a candle than to curse the darkness.
- Chinese proverb often quoted by Eleanor Roosevelt

With the new day comes new strength and new thoughts.
- Eleanor Roosevelt

The only thing we have to fear is fear itself.
- Franklin D. Roosevelt

Life is either a daring adventure or nothing.
- Helen Keller

Self-pity is our worst enemy and if we yield to it, we can never do anything wise in this world.
- Helen Keller

Those who believe they can do something and those who believe they can't are both right.
- Henry Ford

Success consists of going from failure to failure without loss of enthusiasm.
- Winston Churchill

I know of no more encouraging fact than the unquestionable ability of man to elevate his life by conscious endeavor.
- Henry David Thoreau

- Catholic Blessing

May the peace of God
which is beyond all understanding
keep your hearts and minds
in the knowledge and love of God
and of His Son, our Lord Jesus Christ.
- Catholic Blessing

Blessings

May your spirit soar throughout the vast cathedral of your being.
May your mind whirl joyful cartwheels of creativity.
May your heart sing sweet lullabies of timelessness.
- Jonathan Lockwood Huie

May the world be kind to you, and may your own thoughts be gentle upon yourself.
- Jonathan Lockwood Huie

May today be your day to dance lightly with life
to sing wild songs of adventure,
to invite rainbows and butterflies out to play,
to soar your spirit and unfurl your joy.
- Jonathan Lockwood Huie

May you stand tall and proud, knowing that you are unique and magnificent.
- Jonathan Lockwood Huie