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Other Added - Step Four - Fearless Moral Inventory - Character Defects - Step 4 Of The 12 Step Recovery Programm A
Here are some sound debt collection techniques that can be followed by businesses to mitigate the bad debt crisis:Sending a pre-collection letter. Hiring a collection agency. Doing it yourself.Sending A Pre-Collection LetterMost businesses don't want to "play the bad cop" with their clients, so they approach a collection agency, which for a nominal fee sends a notice to the defaulter asking him or her to pay up.Remember, a notice from a collection agency is much more effective than the notice from your company itself. It tells the defaulting customer that you have now hired a professional help to collect the dues and, thus, it increases chances of customer paying up the debt faster. The 'fear factor' of credit rating damage is associated with collection agencies.Hiring a Collection AgencyA collection agency under the Fair Debt Collection Practices Act is one that recovers debt on behalf of others. It employs various methods to recover dues from errant customers:Collection calls are a necessity in debt recovery. Handling the collection call in a calm and professional manner can make the difference upon which collections are made or lost.Skip tracing is a detection method adopted to find a debtor who has absconded either intentionally or unintentionally. Forwarding occurs when a collection agency forwards a debtor's account to another collection agency, possibly because it does not have the authority to conduct business where it is currently located.Flow Forwarding is a novel concept in which a collection agency contracts with a business to purchase all its bad debts on
HEALTHY IMPATIENCE – When your sick of being the way you are! And want to change now!
INTOLERANCE – Not able to endure opinions, beliefs, or actions.
HEALTHY INTOLERANCE – When your endurance of your habit, drinking, taking drugs or letting people walk all over you stops!
ENVY – Resentful of more fortunate people. Their health, looks, intelligence or ways.
HEALTHY ENVY – When it turns to admiration!
JEALOUSY – The fear of being out done, suspicious, dislike of someone who you see
The high cost of real estate in California forces many homeowners into Jumbo mortgage loans. What are jumbo loans? Any mortgage amount that is higher than the conforming loan limit is considered a jumbo mortgage. Here are several tips to help you avoid paying too much for your California mortgage loan.The conforming loan limit is set each year by Fannie Mae and Freddie Mac and is the limit for traditional mortgage lending. In 2007 this limit is $417,000; if your home is valued above this limit you may be required to use a Jumbo mortgage loan. The problem with using a Jumbo mortgage is that you will be required to pay a higher interest rate for the loan.This problem of qualifying for a higher interest rate with a jumbo mortgage is magnified with the high cost of California real estate. You might be able to avoid jumbo mortgage rates by financing your home with a combined first and second mortgage for the balance you need. Many lenders now offer loan programs to help California homeowners avoid jumbo mortgage rates in this manner.Another serious problem for California homeowners is Yield Spread Premium. Any markup of your interest rate, jumbo or not, will be magnified by the high cost of your home and you will pay thousands of dollars every year unnecessarily. Yield Spread Premium is the markup of your mortgage interest rate to boost your loan originator's commission. You can learn more about your jumbo mortgage options in the State of California with a free mortgage tutorial.
Doing this step four I can write honestly, it made me realise why I had suffered, and what the cause of that suffering was!
Moral means; " A standard". So I had to look at my standards for myself, and the standards I had set other people (THE CAUSE OF SO MUCH RESENTMENT).
My sponsor suggested that I list all of my guilt’s, resentments, fears and sexual conduct because between these I would find the cause of my emotional pain or spiritual dis-ease, call it what you will.
Why do this step?. Well, if you are a product of your past and you are unhappy now, then something has gone wrong in the past!. If you have spent, drank, used drugs, eaten to get away from bad feelings, then it is suggested you look at the cause of these bad feelings.
There is a clich? that says, “The straw that broke the camels back”. Well, taking a fearless moral inventory takes straws off our backs; it makes life less of a burden. It lightens the load!.
When you are full of resentment it is like farting, everyone close to you gets a whiff!.
But when you are on a spiritual path it is like wearing a lovely perfume, everyone close to you gets a whiff!.
The idea of a fearless moral inventory is to start to see what is in our character that causes triggers for resentment, guilt, and fear from other people to us or us to other people.
It is about learning not to over react!. A word that flies off the tongue is like an arrow leaving a bow for a target!.
If you are an angry or resentful person then the following list of defects of character are the cause of your pain!. Without these defects you will have peace of mind!.
Simple!. Learn the cause and effect, and then learn to practice opposites, result peace of mind; and that is what it is all about. Practice opposites.
The following defects are the cause of resentment, anger and hatred. Anger is not a defect of character. If someone attacks you, you have to be angry to save your life!. But if your anger is caused by one of the following defects of character, then that is self-righteous anger which means that we will always suffer, until we see the true cause of our Dis-ease. For Books About Step 4 Click here
THE CAUSE OF SUFFERING OR DEFECTS OF CHARACTER.
PRIDE – HIGH OPINION OF ONES OWN QUALITIES, MERITS OR CONDUCT.
Does pride stop you saying sorry, or asking for help?
Does your pride say “The best way not to fail, is not to try?”
A prisoner of peoples opinions that can lead us to overreact, or not to do anything because of “what will people will think”.
Healthy price, makes us act in a way that is caring to ourselves and other people. It is a good sense of well being knowing that you have tried your best (you may of even failed, but you tried!).
IMPATIENCE – Not enduring!. Wanting everything now.
HEALTHY IMPATIENCE – When your sick of being the way you are! And want to change now!
INTOLERANCE – Not able to endure opinions, beliefs, or actions.
HEALTHY INTOLERANCE – When your endurance of your habit, drinking, taking drugs or letting people walk all over you stops!
ENVY – Resentful of more fortunate people. Their health, looks, intelligence or ways.
HEALTHY ENVY – When it turns to admiration!
JEALOUSY – The fear of being out done, suspicious, dislike of someone who you see
If communication is perceived to be the basic step towards achieving self-actualization, the act of rewarding - a sign of mutual recognition - is considered to be an essential way to motivate individuals to realize their potential and turn them self-transcendent. There are different ways and means to express one’s gratitude towards his/her associates, which are by and large situation-specific. In civilized societies, it is customary to appreciate one another’s progress through offerings. In the corporate world, it’s an obligation to acknowledge the professional contribution of individuals or institutional stakeholders through gifts of different forms, in order to maximize the overall business growth.Corporate gifts offered through different means to individual employees, customers and business associates such as partners, consultants, supporting agencies, shareholders and creditors. They can be in the form of incentives, bonus, loyalties, stock options, holiday and travel packages, special insurance provisions, flower bouquets, silver/gold articles, mementos, tabletop display items and crystal/glassware embellished with company logos. They should be presented on occasions of birthdays, personal accomplishments, annual official functions and festivals or seasonal occasions such as Christmas and New Year.Human resources are key constituents in building successful businesses. Nurturing human skills, talents and growth requires a dynamic and innovative approach. Corporate gifts bring in a sense of belonging among the stakeholders of the business they are associated with, and create a positive environment for one to fulfill the needs
Why do this step?. Well, if you are a product of your past and you are unhappy now, then something has gone wrong in the past!. If you have spent, drank, used drugs, eaten to get away from bad feelings, then it is suggested you look at the cause of these bad feelings.
There is a clich? that says, “The straw that broke the camels back”. Well, taking a fearless moral inventory takes straws off our backs; it makes life less of a burden. It lightens the load!.
When you are full of resentment it is like farting, everyone close to you gets a whiff!.
But when you are on a spiritual path it is like wearing a lovely perfume, everyone close to you gets a whiff!.
The idea of a fearless moral inventory is to start to see what is in our character that causes triggers for resentment, guilt, and fear from other people to us or us to other people.
It is about learning not to over react!. A word that flies off the tongue is like an arrow leaving a bow for a target!.
If you are an angry or resentful person then the following list of defects of character are the cause of your pain!. Without these defects you will have peace of mind!.
Simple!. Learn the cause and effect, and then learn to practice opposites, result peace of mind; and that is what it is all about. Practice opposites.
The following defects are the cause of resentment, anger and hatred. Anger is not a defect of character. If someone attacks you, you have to be angry to save your life!. But if your anger is caused by one of the following defects of character, then that is self-righteous anger which means that we will always suffer, until we see the true cause of our Dis-ease. For Books About Step 4 Click here
THE CAUSE OF SUFFERING OR DEFECTS OF CHARACTER.
PRIDE – HIGH OPINION OF ONES OWN QUALITIES, MERITS OR CONDUCT.
Does pride stop you saying sorry, or asking for help?
Does your pride say “The best way not to fail, is not to try?”
A prisoner of peoples opinions that can lead us to overreact, or not to do anything because of “what will people will think”.
Healthy price, makes us act in a way that is caring to ourselves and other people. It is a good sense of well being knowing that you have tried your best (you may of even failed, but you tried!).
IMPATIENCE – Not enduring!. Wanting everything now.
HEALTHY IMPATIENCE – When your sick of being the way you are! And want to change now!
INTOLERANCE – Not able to endure opinions, beliefs, or actions.
HEALTHY INTOLERANCE – When your endurance of your habit, drinking, taking drugs or letting people walk all over you stops!
ENVY – Resentful of more fortunate people. Their health, looks, intelligence or ways.
HEALTHY ENVY – When it turns to admiration!
JEALOUSY – The fear of being out done, suspicious, dislike of someone who you see
As a landlord myself, and owner of a lettings agency, I constantly get asked whether to furnish the property or not.There are a few advantages in not installing furniture, price, time and damages are three of them.However, it depends on where your property is,and if there are any damages, then that's what the bond is for !These days, many towns and cities now have a very transient population, which means that people come and go every 6 or 12 months. Often these tenants have a "weekend" family and go to the property during their working week.As more and more tenants become transient, its the unfurnished properties that miss out as the ones with furniture get taken up first.So it makes sense for many reasons to furnish your property, but the main three are :Tax Break - you can claim 10% depreciation against the rental income for fair wear and tearReduce Void Periods - Furnished properties tend to rent quicker than unfurnished ones, mainly due to the transient nature of tenantsIncrease in Rental amount - You can usually increase the rent a little each month due to the property being furnished.The best thing for your tenant is to make the property as attractive as possible, and there is only one way to do that, and that is through the use of furniture.Sure, you can bring the price down, but if another 20 landlords are all doing the same, then everyone loses out.You need to differentiate your property as much as possible, and this is only possible by making the property look nicer than everyone elses.
It is about learning not to over react!. A word that flies off the tongue is like an arrow leaving a bow for a target!.
If you are an angry or resentful person then the following list of defects of character are the cause of your pain!. Without these defects you will have peace of mind!.
Simple!. Learn the cause and effect, and then learn to practice opposites, result peace of mind; and that is what it is all about. Practice opposites.
The following defects are the cause of resentment, anger and hatred. Anger is not a defect of character. If someone attacks you, you have to be angry to save your life!. But if your anger is caused by one of the following defects of character, then that is self-righteous anger which means that we will always suffer, until we see the true cause of our Dis-ease. For Books About Step 4 Click here
THE CAUSE OF SUFFERING OR DEFECTS OF CHARACTER.
PRIDE – HIGH OPINION OF ONES OWN QUALITIES, MERITS OR CONDUCT.
Does pride stop you saying sorry, or asking for help?
Does your pride say “The best way not to fail, is not to try?”
A prisoner of peoples opinions that can lead us to overreact, or not to do anything because of “what will people will think”.
Healthy price, makes us act in a way that is caring to ourselves and other people. It is a good sense of well being knowing that you have tried your best (you may of even failed, but you tried!).
IMPATIENCE – Not enduring!. Wanting everything now.
HEALTHY IMPATIENCE – When your sick of being the way you are! And want to change now!
INTOLERANCE – Not able to endure opinions, beliefs, or actions.
HEALTHY INTOLERANCE – When your endurance of your habit, drinking, taking drugs or letting people walk all over you stops!
ENVY – Resentful of more fortunate people. Their health, looks, intelligence or ways.
HEALTHY ENVY – When it turns to admiration!
JEALOUSY – The fear of being out done, suspicious, dislike of someone who you see
Alex Wrote;“What is the difference after the kundalini awakens, and how do you know if it did?About 25 years ago I was sitting alone by a creek in the morning, not formally meditating (which I've never done), just watching the water flow.Suddenly there was an extremely intense ball of energy that formed at the base of my spine, buzzed there for a bit, then shot up my spine and 'exploded' in my head and 'out my eyes' and turned what I saw into a sort of mosaic made of the colors of what was there, but not the exact forms anymore.A 2nd less intense one happened about 15 sec after the first. It scared me and I kind of blinked myself out of it.Is that a kundalini awakening, and if not, do you know what it was? If it was, how do you specifically use it?Thanks,Alex”Hi Alex,You've asked a great question that really hits at the heart of kundalini awakening. Having said that, there's no short answer. You really weren't expecting a YES or a NO were you? :)At its most basic level awakening the kundalini completes the energy circuit between your 'potential energy' (dormant kundalini) and your 'spiritual energy' (those are my terms and they merely serve to signify the differences in the energy. Other folks name them differently) at your crown chakra. To paraphrase Glenn Morris "The kundalini just connects your (genitals) to your brain."Along the way it tends to begin the process of awakening and cleansing and balancing your chakras and cleaning out the rest of your body. Everyone experiences it differently because everyone IS different at that level and we all get what we NEED
THE CAUSE OF SUFFERING OR DEFECTS OF CHARACTER.
PRIDE – HIGH OPINION OF ONES OWN QUALITIES, MERITS OR CONDUCT.
Does pride stop you saying sorry, or asking for help?
Does your pride say “The best way not to fail, is not to try?”
A prisoner of peoples opinions that can lead us to overreact, or not to do anything because of “what will people will think”.
Healthy price, makes us act in a way that is caring to ourselves and other people. It is a good sense of well being knowing that you have tried your best (you may of even failed, but you tried!).
IMPATIENCE – Not enduring!. Wanting everything now.
HEALTHY IMPATIENCE – When your sick of being the way you are! And want to change now!
INTOLERANCE – Not able to endure opinions, beliefs, or actions.
HEALTHY INTOLERANCE – When your endurance of your habit, drinking, taking drugs or letting people walk all over you stops!
ENVY – Resentful of more fortunate people. Their health, looks, intelligence or ways.
HEALTHY ENVY – When it turns to admiration!
JEALOUSY – The fear of being out done, suspicious, dislike of someone who you see
Do you have a habit that has been haunting you since years? Do you suffer from an inner self conflict, because you were unable to quit that habit? Do you feel pain each time you repeat doing that habit again? Have you tried every possible method to quit smoking or over-eating, yet failed? Do you think that you can’t?Most of us have suffered from a certain habit through our lives, whether this habit was lying or letting go of our rights, wasting time or over-eating, smoking or even drug abuse. We have all done our best to stop it, we have all felt the pain of emotions that arises from doing what we don’t want to do, but yet, very few of us have succeeded, do you know why?Because we have never thought of what’s below:If you think that you can break a habit using will power alone, then you are wrong. Here's the story of Sam, an iron-willed guy who decided to stop smoking. The first day passed, the second day passed and still he resisted the urge to smoke a cigarette. He started to feel happy and confident. Time passed, until one day, he had a car accident. Fortunately he wasn't hurt, but the damage to his car cost him $200. On that day, Sam returned back to smoking...But why?.... Wasn’t Sam iron-willed? Yes he was, but will power is not constant, it changes with time, it changes with life circumstances and it changes with the ups and downs in our lives. When you are happy, your will power will be strong but when you are disappointed it will become weak. When you're at the top of your achievements your will power may be an iron one, but when you hit your bottom, your will power will reach its minimum level.<
HEALTHY IMPATIENCE – When your sick of being the way you are! And want to change now!
INTOLERANCE – Not able to endure opinions, beliefs, or actions.
HEALTHY INTOLERANCE – When your endurance of your habit, drinking, taking drugs or letting people walk all over you stops!
ENVY – Resentful of more fortunate people. Their health, looks, intelligence or ways.
HEALTHY ENVY – When it turns to admiration!
JEALOUSY – The fear of being out done, suspicious, dislike of someone who you see as better than you, wealthy, women, looks. The fear of being replaced by another! Seeing people as rivals.
HEALTHY JEALOUSY - Makes you treat people well!, or they will go elsewhere.
SELFISHNESS - Doing your own desires or interests without caring how it effects other peoples emotions or life.
HEALTHY SELFISHNESS - Doing what’s best for you! Not being a prisoner of peoples opinions.
SELF-PITY - A feeling of being hard done by!. Poor me.
HEALTHY SELF PITY - “People have hurt me, people have used me, people have stolen from me, people have abused me, but I am not going to resent, I am going to enjoy life and learn from the experience of the past".
SELF-CENTEREDNESS - Pre-occupied with your own ways and actions, not caring about other people.
HEALTHY SELF
CENTEREDNESS - When you stop being a door mat, and stand up for what is right for you!
ARROGANCE - I am right and you are wrong! Tending never to listen, but to argue, and to believe that you are always right. What is an argument? A billion ways to say “I am right and you are wrong”.
HEALTHY ARROGANCE - What you think of me does not matter, humility when you think, “Does it matter?”.
SLOTH - Slow or absence of activity. When actions should be done.
HEALTHY SLOTH - Taking time out of the rat race and relaxing, meditating, contemplating!
DISHONESTY - DECEITFULNESS, FRAUDULENT, LACK OF HONOUR (before you resent, ask, “Have I ever done anything similar in my life for what I am going to resent that person for?”)
HEALTHY DISHONESTY - Is when a friend says “Do you think that I am fat and ugly?” and you say “No!”, even though you know different.
LUST - Animal desire for sexual indulgence!. To want passionately.
HEALTHY LUST - I want peace of mind, I want to live a blameless life!. Or a romantic weekend.
GREED - To want more than is needed.
HEALTHY GREED - To have peace of mind, and to then want more.
INTO ACTION
It is best to start with listing your resentments, my sponsor suggested to do it this way. List each resentment separately, never write the word "and" (between each resentment) because it is another resentment.
List Each Resentment For Books About Resentment Click here
WHO
WHY
DEFECTS
This after listing MY defects here I started to see how much power I had given people!. I started to see that it is not the action of other people, but MY reaction is the cause of your resentment/emotional pain.
Remember that "moral" means standards you have from yourself or other people.
A FEW EXAMPLES OT TAKING A MORAL INVENTORY
RESENTMENT
WHO
John WHY
He chatted my wife up
DEFECTS
Self Pity (How could he do that to me?).
Jealousy (The fear
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