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by Anna Woodward
There are many reasons why many people refuse to do business at banks. Many of them feel that they have been robbed by some of the extravagant fees that they were charged when they were loyal customers in the past. Others feel that the banks are not too fair about how they approve people for their many financial services, even though the applicants may have good credit history. No matter what your particular reason is for not doing your business at a bank, there are many reasons why more and more people choose to do business at a credit union instead.
Credit unions are smaller financial institutions that offer many of the same services as big banks. The main difference is that they often have less stringent membership requirements, and they offer services that are much more accessible to their customers. If you were to ask credit union members what it is that they feel is the advantage of being a member, as opposed to doing business with a big bank, you may be surprised to hear that one of the top answers is that it is less stressful.
Since many a credit union can charge lower fees for some of the same services that are offered at big banks, customers get to have more control over more of their money. For instance, depending on whom you bank with, if you were to overdraw your account, you have a risk of the check not being honored. This also often results in the assessment of an overdraft fee and possible limits being placed on your account. Rather than have to deal with the embarrassment and frustration that such a situation can cause, many people have accounts at local financial unions that offer them a revolving line of credit. It is much easy to be approved for this type of service to prevent overdraft fees and offer protection so that customers won’t have to worry about bouncing any checks.
If you are ready to make a change and are tired of having your hard earned money taken by the bank, it is time for you to make a move and open an account at a different financial institution. Why bother going back to the same type of structure by choosing another bank? If you make the transition to one of these financial unions, you will see why there is such a high level of satisfaction amongst all of their customers.
A credit union will also often have very relaxed membership requirements. This means that as long as you live in a certain area or work at a certain company, then you won’t have any trouble opening an account. Those aren’t the only ways you can gain membership; there are tons of banking alternatives that offer a wide range of options to make joining much easier and less stressful than it is at a bank. If you are finally ready to make that change, then it is time for you to explore your options and find the financial union that works best for you. You will notice an increase in your finances and a smile on your face every time you go in for a financial transaction.
Article Tags: Credit Union
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by Ada Porat
Before you can have a different life, you must first become different. The process of transformation starts from within with recognition of your True Nature. It is activated by connecting to your Life Source, and nurtured by offering gratitude and appreciation for everything you in your life. Once you understand these principles, you are well on your way to transforming your life from within. Here are a few more keys to assist you.
The world you create around you is a direct reflection of the value that you place on yourself.
Before you can have a different life; before you can be happier, wiser, be more at peace and in quiet command of yourself, you must first BE different.
Being is everything.
Everything on earth and beyond – animated or not – all forms are an expression of one great Intelligence, Creative Energy or Being. Even rock and plants have being-ness, a consciousness. All things created are unique expressions of this One Creator Being.
The being-ness or consciousness of everything that is created, expresses aspects of the Creator through its very nature. And that consciousness is not fixed. It can be transformed. Each of us is created with the power to evolve our consciousness through the exercise of free choice.
Your consciousness is in a continuous process of unfolding. It is intrinsic to everything in the Universe to evolve spontaneously in response to prevailing conditions. So you are creating your life at every given moment, whether you are aware of it or not. Just how the rest of your life unfolds, is something you can influence through your awareness and the choices you make.
The very first thing to recognize in order to transform your life is the eternal value of your nature. You are not a simply a blob of bio-plasma: you are an expression of Divinity and within your very being the spark of that awareness always remains present.
When you find yourself disappointed, beaten down and overwhelmed by the forces of life, it is because you have momentarily forgotten the true origin of your Source and the magnificence of your destiny! Your intrinsic value is Divine and can never be destroyed!This point was illustrated beautifully by a well-known speaker who started off his seminar by holding up a $20 bill. In the packed hall, he asked, “Who would like this $20?”Hands started going up. He said, “I am going to give this bill to one of you, but first let me do this.
“He proceeded to crumple the note. He then asked, “Who still wants it?” Still the hands were up in the air.
“Well,” he replied, “What if I do this?” And he dropped the bill to the stage and ground it into the floor with his shoe. Then he picked it up again, all crumpled and dirty. “Now who still wants it?” Still the hands went into the air.
His demonstration drove home a very valuable lesson. No matter what he did to the money, the audience still wanted it because it did not decrease in intrinsic value. It was still worth $20.
Many times in our lives, we are dropped, crumpled, and ground into the dirt by the decisions we made and the circumstances that came our way. We may have felt damaged or worthless. But no matter what happens to you in life, you can never lose your intrinsic value!You are an aspect of the Divine Creator embodied in a physical body, and therein is your value. Don’t ever forget it! Never let yesterday’s disappointments overshadow tomorrow’s dreams.
The second principle to transforming your life, is to become aware of that secret place within yourself where the Divine Presence dwells. You must consciously enter that place of power within where your conscious awareness interacts with the Divine Presence. That is your place of power, the place from where your reality is created moment by moment. It contains the awareness of All That Is in this present moment. It is where your inner guidance dwells, in the Eternal Now.
It’s only what you do right at this moment, right now, that carries the seed of personal change. And in the endless beauty and mystery of the Eternal Now, this seed of change is held in your Higher consciousness as your on-going reality.
If you choose something in the Eternal Now, you won’t have to worry about what may await in the future: your conscious choice to live in the present moment automatically eliminates the need to strive toward some future goal. Why? Because everything you choose in the Eternal Now, remains there for you to experience whenever you are in the present moment – and this is the only time it really matters!Being in the present moment is critical to manifestation. If you are locked into regrets over the past or living in anxiety over the future, you will have no place to ground that which you create within. Creation becomes possible when your consciousness is present in the eternal “Now” of Divine potential, and you align yourself to the unfolding of your highest potential in that space.
The third principle of transforming your life is to consider all your creations with gratitude. Are you grateful for the life you have created so far, or can you only see what is lacking in it?Gratitude and appreciation connect us to the Divine Source of All. Just as the Creator pronounced each day’s creation as good before moving on to the next day, we need to take time to reflect over what we have created in our lives.
Why did we choose to draw specific circumstances into our lives? What do they bring to teach us? Perhaps the breakup of the relationship that we bewail as terrible, offers us the opportunity for further growth and maturing. And could it be that we created limited finances to experience the sufficiency of the Eternal Now? When viewed from a higher perspective, everything we create in our lives serves a purpose in the development of our souls.
To summarize, the process of transformation starts with the recognition of your True Nature, is activated by connecting to that Source inside your being, and is nurtured by offering gratitude and appreciation for everything you have created. Once you understand these principles, you are well on your way to transforming your life from within. Here are some additional guidelines to assist you:
STEP OFF THE TREADMILL. Dare to slow down. Even at a million miles an hour, anxious thoughts and feelings still take you nowhere. Instead, take time to be still and to reflect. If you want to find the timeless, dare to live as though you have all the time in the world. Step out of the rush and into the Eternal Now.
TAKE RESPONSIBILITY FOR YOUR EXPERIENCE. The way you feel toward the life experiences you encounter is a direct expression of who you are and what you value. If you don’t like what you are encountering, choose again from the core of your values and the awareness of your truest being, and you will find yourself drawing different outcomes.
REFUSE TO COMPROMISE. Let go of any thought or action that creates conflict in the present moment for the promise of a better feeling to come. Reality is Now. There is no later! You can’t find contentment by being divided. Instead of compromising yourself, choose to be whole in the Now.
REMEMBER YOUR CONNECTION TO OTHERS. Even when it feels like you’re the only one in the world who struggles with the human condition, you are not! Reach out to others and learn from their experiences, draw on their support and offer them encouragement. We’re all in this together!
BECOME THE BEST YOU CAN. Anybody can follow the crowd, which usually operates on the lowest common denominator. Make the commitment to yourself to live a life worthy of all the potential that is within you. Dig deep to discover your greatness. Give yourself permission to shine!
LET GO OF BLAME. When your feet hurt because your shoes are too tight, you don’t complain that someone else made you put them on. So why blame another when it’s your feelings that are hurting you? If painful emotions hurt you, then let them go! You’ll feel lots better.
KEEP IT LIGHT. When the heart and the mind are not in agreement, we can get pulled down into the dense emotions of fear, anxiety or worry. Remember that your true nature is Divine, and that there is nothing Divine to be found by indulging in dense thoughts or emotions. Instead, allow yourself to skip along the hallways of Life with a song in your heart, and the appropriate doors will open up!
Source: Free Articles from ArticlesFactory.com
ABOUT THE AUTHOR
Ada Porat facilitates personal development through the integration of body, mind and spirit. She enjoys international recognition as an inspirational speaker, teacher, author and practitioner at the leading edge of personal growth and well-being. To sign up for Ada’s inspirational monthly newsletter, visit http://www.AdaPorat.com
In honor of World Teacher Day…
by Upoma Dey
The American poet Mark Van Doren aims to express the role of the teacher which is supreme in many reasons and that is why the world has stored the most respectful salute for these professionals who create other professions. The impact of a teacher exists beyond the time and generation. It is often said in the teaching world that the more you learn the better you teach. We all know that with a little imagination anything is possible and critical thinking is a vital 21st Century Skill for our students.
Learning by experience is always the more apprehended way to teach kids. And it is different than traditional approach. If you are doing this activity outside of a specific project, why not bring in a real, physical piece of art? There is a largely planned process of teachers training programme going on in India. The ultimate goal is to ensure that a contemporary learning takes place in the schools. Teaching practice is an integral component of teacher training. It grants student teachers experience in the actual teaching and learning environment. Teaching practice plays a central role in achieving the general goals of teacher education. The practice periods take place in different stages of the studies, and they provide a student with a chance to familiarize him/ her with education, teaching and learning in their different forms as well as discuss the experiences openly and critically with his/ her co-students and supervisors. If students are doing group work, is every child meaningfully involved? The incredible privilege of having little kids in your life is like witnessing the amazing human and academic growth which happens over the course of a school year. You will really enjoy teaching such small and involved kids, but it takes a professional training little of getting used to with being the little minds and their curiosity. As teachers you can take the long view and know that over the course of a school year, the influence you have on your students resulting in many more positive moments.
Teaching profession is in a high demand and one can get a lucrative join in schools. Teacher training programme trains how to teach kids and focuses on the methodologies, techniques to teach the young learners. As beautiful as it sounds, you really are touching the future when you teach a child.
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ABOUT THE AUTHOR
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