Happy New Year Card 2013 part 2

Setting Personal Objectives For The New Year

The end of one year and the start of another brings with it the opportunity and inspiration, for many, to consider their personal situation and plan for the year ahead. We all hope that we will end the New Year better off in our personal lives than we start it. By “better off” we may mean financially, in terms of happiness and relationships, in our careers and lifestyles; in fact, in any aspect of our lives. If we start the year with a positive intent on improving our lives in some way, then there is a good chance we can succeed in so doing. One of the ways we can help ourselves succeed is by setting personal objectives for the year ahead. It has long been a tradition to make New Year’s resolutions, and they are an example of objective setting, usually based on a correcting a personal weakness, such as smoking or being overweight. However, New Year’s resolutions are quite often just a bit of fun, and not taken that seriously. Planning ahead for the full year based on a set of objectives can be a much more beneficial way to improve yourself over the span of a year. New Year’s resolutions, however, do give a hint at one way to go about setting personal objectives for the year: they tend to be about addressing weakness. If you have a personal weakness at the beginning of the year, and have strengthened it by the end of the year, then you will have made progress. So, when you sit down and consider what personal objectives to set yourself, focusing on your weaknesses may be a good place to start. How To Go About Setting Your Personal Objectives There is more than one way to set about formulating personal objectives, but I will concentrate on focusing on personal weakness. By “focusing” I do not mean just thinking about those weakness all the time in a negative, self critical way. The purpose is to improve yourself by the end of the year, so those weaknesses, or even just one weakness, need to be addressed in a positive way. Ultimately, you want the weakness you focus on to be no longer a weakness by the end of the year. Here are a few simple steps to follow: 1. Your first step is to identify an area, or areas, of your life where you want to make significant improvements. As an example, let us say you have your own business, which is quite new, and you are still finding your feet. 2. Once you have decided on what area of your life to concentrate on first, you should then think about it in a detached and realistic way, pen in hand, with a blank piece of paper in front of you. Go over in your mind your experiences since you started the business, and pinpoint what weaknesses have been exposed since you started the business. Jot them down in a relaxed way, there is no hurry. When you are confident you have highlighted the most critical weakness, and have missed none, move on to considering your list. 3. You should now go over your list of business related weaknesses, and prioritise them. If something really stands out as being critical, then that will be your starting point. At this stage, bear in mind that setting objectives is not about aiming for the impossible; that is self destructive. If you have a long list of weaknesses and it looks daunting, then the prioritisation is especially important. For this example, let us assume that your most critical weakness in your new business is finance and accounting. For many people who start a business, that is a reality, so that is quite a realistic example. Do not expect that you will remove all weaknesses by 100% in one year; you should be realistic, and take a staged approach. Each year you will build on your strengths, and steadily eliminate your weaknesses. However, you cannot expect to do it all at once. 4. Now think more about the finance side of the business, and with a new sheet of paper write down all the things that trouble you. Is it everything about finance and accounting? That would not be unusual either. You may not even be able to tell a debit from a credit, but that is not surprising. To a normal person, double entry bookkeeping is back to front. 5. Assuming everything about finance and accounting is a mystery to you, set out a plan to remedy that situation. Any wise businessman needs to understand his business finances; he will be vulnerable if he does not. There are several ways to approach this weakness, but you will want to improve your accounting knowledge over the year. So, as an example, you could set yourself the following objectives for the year: a. Learn some basic bookkeeping. You can achieve this through a book on accounting for small businessmen, or evening classes. If you have a local small business help bureau of any sort, they may be able to point you in the right direction; they may even have regular seminars. b. Get to know your own accounting system, or maybe introduce a simple accounting software program that will not only help you keep accurate accounts, but teach you along the way. c. Get to understand profit and loss accounts so that you can start to understand how and why your business is making a profit or a loss. d. Learn to do cash flow forecasts, which will always be critical to your business. By the end of the year, you should have a better understanding of your business finances, and when you go over the same exercise again the following year, you can plan to go up to a higher if you think it necessary, or address those weaknesses you have not yet mastered. The finance and accounting example is just one. It could also be marketing or time management or any other aspect of the business. The important thing for you to do is to assess the most critical weaknesses and address them through your personal objectives. That process can be applied to any part of your life you choose, whether related to career, family, personal health or bad habits.

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Happy New Year Card 2013 part 1

Happy New Year cards 2013

New Year Home Budgeting The pre-Christmas period is the peak time of the year for retail sales, and many department and other stores depend on a successful Christmas for their annual profits. There is another side to that coin: the same period is also the peak time for consumer spending. A surge in consumer spending often means a jump in borrowing to support that spending in the stores. Even people who might normally be very careful with their finances, may feel some pressure to overspend at and before Christmas. A combination of peer pressure, the desire to please the children and other members of the family, and the sheer desire to have a great Christmas, may tip the normally frugal into being a bit careless with their spending. An excess of borrowing can mean later problems for those consumers who really do let their finances get out of hand, and every year tens of thousands of people do. For many, the spectre of debt hangs over their Christmas festivities and spoils the party even before they have sat down and fully assessed the damage caused by the pre-Christmas excesses. Between Christmas and New Year is a good time for home budgeting, looking ahead to the next year and plotting the best route to make it a happy year. When it comes to your finances, and debt in particular, then the last week of the year is a particularly opportunity to plan, and set a home budget. How To Budget For The Year Ahead What you have spent over Christmas, whether on credit or out of savings, is a matter of fact. What you already had in outstanding credit and overdue credit, is also a matter of fact. It is important to treat those facts as such, and keep a detached view as you write down your current financial situation. It is all to easy for personal finances to become overbearing because of emotional pressure you may place on yourself. When planning your budget, start by making a list of all your outstanding debts, who they are owed to, and how much you need to budget each month to keep up with the payments. Always remember that if you fall behind with payments, your financial situation will deteriorate, as costs, penalties and interest charges mount up. As you list your monthly credit payments, use them as the starting point for your monthly outgoings. It is also worthwhile keeping the list of actual amounts owing at the start of the year, and then see if that figure can be reduced by the end of the year. That way you can monitor progress, just as a business would. You want to see your net assets going up, not down, at the end of your budget period. Next, list out your unavoidable and essential monthly payments in order of importance, with any state and local government payments, such as taxes, at the top. Then will come your mortgage or rent, and other necessities such as electricity, telephone, gas, food and household expenses. At this stage, work out a sub-total of all the above items, which will be your priority monthly payments. Now is a good time to compare the total you already have with your net monthly income. If they are in balance, then you can make your payments each month, but not have any flexibility or cash for non-essentials and luxuries. Hopefully, though, you will have a surplus each month which you can use for desirables and for savings to set aside for any unexpected expenses. You can then add to your monthly budget by listing those desirables you want to spend money on and how much. You should also aim to build in savings to your budget. Bear in mind all the time that if you spend on consumables, your personal assets go down. If you save, they go up. If your spending has really gone over the top of your capabilities to repay on time, then you need to use the budget plan you have come up with as a starting point for seeking debt counseling, or for consolidating some or all of your debts. The important thing, though, whatever the outcome of your home budget exercise, is to keep calm and detached. Discuss with your partner and family all the steps you need to take to get your home finances in order after an extravagant Christmas, and then do your best to carry through your budget plan, preferably setting aside savings along the way to prepare for an interest free Christmas the following year.

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Happy New Year 2013 ASCII ART

Happy New Year 2013 Wish You best of Luck,

No card,
No gift
Just a simple
wish ***HAPPY NEW YEAR 2013****

║║─║║.˛* .˛.*.★* *★ 。*★* *★
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╚╝─╚╩╝╚╣╔═╣╔═╩═╗╔╝★* *★
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───────╚╝─╚╝─╚══╝★* *★
╔═╗─╔╗────────╔╗──╔╗★* *★
║║╚╗║║────────║╚╗╔╝║★* *★
║╔╗╚╝╠══╦╗╔╗╔╗╚╗╚╝╔╩═╦══╦═╗★ ★
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║║─║║║║═╬╗╔╗╔╝──║║║║═╣╔╗║║★ ★
╚╝─╚═╩══╝╚╝╚╝───╚╝╚══╩╝╚╩╝★ ★
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★* *★ 。* .' * ★.˛* .˛.*★* *★★* *★★*

(¯`v´¯)Happy New
`•.¸.•´ Year
☻/ 2013
/▌
/ \

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Bangladeshi Girls Achol Akhe photosshoot pictures

Bangladeshi Girls Achol Akhe photosshoot

Attending an 80s Party: How You Can Familiarize Yourself with 80s Fashions Do you remember the 80s? Whether you were an adult or a teenager, there is a good chance that you do. While you may have fond memories of raising a family or being a fun loving kid, one thing that many seem to remember is the fashion trends of the 80s. Popular 80s fashion trends often included large scrunched up socks, rolled up jeans, pony tails off to the side, and bright colored clothing, often neon. The fashions of the 80s is one that often brings back smiles and memories for some. That is actually one the reasons why many individuals throw themed 80s parties. If you ever find yourself invited to a themed 80s fashion party, you may end up wondering what you can wear. Even if you can remember some of the many 80s fashion trends, you may want still want to think about doing a little bit of research before deciding on your 80s fashion wardrobe for your party. When it comes to 80s fashions, there are many individuals who seem to remember the same thing. While this is okay, a little bit of 80s fashion research and you could be more than just an average partygoer; you could be one that stands out or is complimented for your wardrobe choice. If you are interested in familiarizing yourself with 80s fashion trends of the past, you will find that you have a number of different options. One of those options involves using the internet. What is nice about using the internet is that you can find just about anything that you are looking for online, including information on popular 80s fashion trends. In addition to traditional websites that may provide you with free information online, you may also be able to find older versions or scans of old 80s fashion magazines online. The internet is a nice and easy way to familiarize yourself with 80s fashion trends. You can get started by performing a standard internet search. Whether you were a child or an adult during the 80s there is a good chance that you may have photographs of yourself, your family, or your friends. If you are able to find those photographs, if they do exist, you may want to take a look at them. In addition to getting a nice walk down memory lane, you can also familiarize yourself with some of the popular 80s fashion trends. When doing so, you may want to think about grabbing a friend, family member, or an old acquaintance, as it is often fun to reminisce. Another fun way that you can go about researching 80s fashion trends is by turning on your television. On television, even today, you can find a number of shows that aired in the 80s. What is nice about these shows is that they are set in the time. Watching 80s television shows will likely not only bring back memories of your childhood or your young adult days, but it may also help you familiarize yourself with 80s fashion trends; trends that you may want to incorporate into your next 80s party outfit. You may also want to think about heading down to your local video store to rent an 80s movie. Of course, the decision as to what you want to wear or even if you want to do any research for an 80s themed party is yours to make, but you may want to think about doing so. As previously mentioned, researching 80s fashions is likely to be fun, exciting and bring back a lot of memories. PPPPP

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Bangladeshi girls wallpaper FARJANA MIM photo shoot.

Bangladeshi girls wallpaper

Sports Cars: Getting Started on Your Need for Speed If high acceleration, top speed, and appearance are what you want in a vehicle, then a sports car is probably what you’re looking for. Sports cars are a $4.5 billion industry with about 55,000 units sold annually. Sports cars are built as performance vehicles – meaning they are to be pushed in ways regular cars can’t. For example, acceleration is often no more than 5 seconds to go from 0 to 100 mph. As it is more difficult to maneuver a speeding object, sports cars are specially designed to be handled at top speeds. The term “sporty” was coined to refer to a sleek but robust design that exudes a powerful persona for the person behind the wheel. What follows is a basic run-through of sports cars out in the marketplace – their general designs and layout, as well as a listing of the more popular models and makers. - FF – front engine, front wheel drive. The FF layout has a moderate capacity for high speed handling and is seen in select models such as the Fiat Coupé, and the Lotus Elan M100. - FR – front engine, rear wheel drive Considered the “classic” sports car layout, the engine drives the rear wheels but keeps the weight off the back. The FR is good at drifting corners while still maintaining control. Mercedes-Benz is recognized for using this layout for its models. - RR – rear engine, rear wheel drive With the engine at the back driving the rear wheels, weight placement on a RR layout provides excellent traction for a car. However, without auxiliary driving aids like stability control, handling becomes difficult. As of today, the only maker who keeps the RR layout for its cars is Porche. AWD – all wheel drive An AWD layout provides the easiest handling, making it ideal for those who are just starting out with sports cars. Audi started the widespread use of this technique with the Quattro. Japanese manufacturers like Mitsubishi used this layout to increase handling making it an excellent rally car. Because of higher restrictions in the states, sports car manufacturers are more prevalent in Europe than in America. Nevertheless, American brands are in equal competition with its European and Asian counterparts. Some recognized makers and models are:

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bodybuilder photos gallery - The Bollywood Legend!

bodybuilder photos gallery

bodybuilder photos gallery

Abdominal Exercises For Beginning Bodybuilders. The abdomen contains the muscles that most beginners struggle with because they take a long time to develop and need a low level of body fat to be seen. The abdominal muscle group consists of three main muscles: 1. Rectus abdominis - commonly known as the abs, this is a large flat muscle wall that runs from the lower chest to the pubic bone. 2. Obliquus abdominis - commonly known as the obliques, this muscle runs diagonally along the side of the mid-section from the lower ribcage to the pubic area. The internal obliques lie underneath the external obliques. 3. Transversus abdominis - this is a thin strip of muscle that runs horizontally across the abdomen. You can target these muscles effectively by performing the following exercises: 1. Crunches - 3 sets of 15-20 reps. This exercise will work the upper abs. 2. Pelvic tilts - 3 sets of 15-20 reps.This exercise will target the lower portion of the abdomen below the navel. 3. Side bends - 3 sets of 15-20 reps. This exercise will work the obliques. As with all exercises you need to take care in scheduling specific body parts. To begin with you should incorporate your abdominal exercises into a program similar to the one suggested below: Day 1: Biceps, Back, Abs Day 2: Hamstrings, Shoulders, Abs Day 3: Quads, Forearms, Calves Day 4: Triceps, Chest, Abs For the first couple of weeks complete one set but then add one set each week to a maximum of three. At the end of three months you will be ready to move on to more intensive intermediate level exercises.

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