Karma for the Holidays

Image by Getty Images via Daylife

The holiday season is here, in all its commercialism, glitter, and good cheer.  But it is more than just that. It's also a time of joyous giving, reflecting and soul searching for perhaps....a better KARMA!

 

Just what is KARMA anyhow?  Is it luck or fortune bestowed upon our human souls.... good karma or bad karma depending on how well or ill we treat others during our lifetimes?

 

Perhaps KARMA, or at least the good kind....is what the Dalai Lama shared with the world a few years back--in this short, simple list of::

 

    

---INSTRUCTIONS FOR LIFE---

 

 

1-Take into account that great love and great achievements involve great risk.

 

2-When you lose, don't lose the lesson.

 

3-Follow the three R's.....RESPECT for self...RESPECT for others and RESPONSIBILITY for all your actions.

 

4-Remember that not getting what you want is sometimes a wonderful stroke of luck.

 

5-Learn the rules so you know how to break them.

 

6-Don't let a little dispute injure a great relationship.

 

7-When you realize you've made a mistake, take immediate steps to correct it.

 

8-Spend some time alone every day.

 

9-Open your arms to change, but don't let go of your values.

 

10-Remember that silence is sometimes the best answer.

 

11-Live a good, honorable life.  Then when you get older and think back. you'll be able to enjoy it a second time.

 

12-A loving atmosphere in your home is the foundation for your life.

 

13-In disagreements with loved ones, deal only with the correct.  Don't bring up the past.

 

14-Share your knowledge.  It is a way to achieve immortality.

 

15-Be gentle with the Earth.

 

16-Once a year, go some place you've never been before.

 

17-Remember that the best relationship is one in which your love for each other...exceeds your need for each other.

 

18-Judge your success by what you had to give up...to get it.

 

19-Approach both love and cooking with reckless abandon........

 

 

 

Perhaps we should all give thanks to the Dalai Lama for this special list of lessons, and while living by them....pass them along to others for a better KARMA, and for a better world.

 

 

Happy Holidays,

 

PeteCam3 

.

 

 

"Best Wishes"--PTCJr

Features and benefits of Low Doc Loans

Features of Low Doc Loans:

* The Low Documents loan is basically a standard variable or fixed rate loan, but with few credit criteria like- low documentation.

* As the documentation part is not required, so it is quite risky to the lender and it is reflected in the higher interest rate and here loan-to-valuation ratio (LVR) is 65 - 80% which is apparently higher by 0.5% to 1% higher than standard loans.

Other useful features include redraw facility, offset accounts, direct salary crediting, portability & repayment options depending on the lender and on the type of loan.

Benefits of Low Doc Loans:

* It is specially designed for the self-employed and the persons with good credit records.
* It requires almost no documentation.

Secured Loans UK | bad credit Unsecured Loan | Instant Tenant Loans UK - Loantoloan Company provides Online Secured and Unsecured loan, Fast payday Loan, Debt Consolidation, Easy Car Loan for Tenants, Unemployed and Non Homeowner People in UK

All About Maryland Auto Insurance

When it comes right down to it, every state is unique in regards to its auto insurance requirements. Some states follow a tort system when it comes to accidents, others follow the no-fault policy. Certain states require Uninsured or Underinsured Motorist Protection, others recommend Personal Injury Protection, and still others have different types of liability that they highly encourage or even enforce.

Maryland is no exception to this rule and has a certain set of laws that must be followed. If you are purchasing Maryland auto insurance, here’s a quick guide to help you know what you must have in the state of Maryland and what is only recommended.

The primary thing that people think of when they hear the word, insurance, is liability. Maryland requires that you have several different types of insurance. First of all, your liability insurance needs to follow a 20/40/15 policy. This means that you need to have coverage for at least $20,000 worth of damage for one person in an accident and at least $40,000 for a group of people in an accident. You also need to have at least $15,000 to cover property damages. Of course, these are just minimums and you may choose to go higher. This is completely up to you.

Maryland auto insurance also requires that you have Uninsured and Underinsured Motorist Protection and Personal Injury Protection. Your rates for the UM Protection should be at the same level as your liability insurance and your PIP should be at least $25,000. While insurance costs in the state of Maryland are still high, efforts are being made to reduce them.