DOES MONEY EQUAL HAPPINESS?

The truth is that we human beings require each time more that we already have. So, rich people complain that money has stolen their happy days and those who are not so financially fortunate say that only money could complete their life, that they would surely get everything else on their own if only they had the means to do that.

The truth lies somewhere in the middle.

It is not accurate to say money brings happiness, because it doesn’t. But at the same time one can not claim money has nothing to do with it. We are never really happy, maybe just for the brief moment when we reach our purposes or complete one of our dreams. But then, very soon after that, a new totally different problem or desire arises to take that happiness away. It’s human nature to be unsettled and uncertain and it is not a bad thing.

Whether we want to admit it or not, we all are happy at certain moments in life, but all we say is that we are never happy. There’s always something to inflict with our self-assurance or way of living that makes us nervous, sad or depressed.

And money is indeed one of those factors. Many people need it just to pay for food and shelter and they are happy if it’s enough to provide just that. But others, and I’m not talking here about rich people, they already have some living assurance and need more money for other desires or things they want to buy. And the list can go on and on as we climb social and financial levels one at a time. Everyone wants something, and once they have it it’s not enough or just too much and too stressful to deal with.

In fact, we should be happy just with what we have and stop thinking about money so much. Money is an important factor in achieving stability and eventually even happiness because we let it, we even push it up to that pedestal. Money does not equal happiness, it’s even worse than that: because money exists happiness is harder to reach.

But then again, if not for money, we’d come up with something else that we would let interfere with our life and cause us an infinite diversity of problems…It’s just human nature.

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Direct student loan consolidation

Student loans are two-edged swords. Without them, you couldn’t pay for that degree you worked so hard for. On the other hand, without them, you might actually get to keep the amount you pay out every month for yourself. You might get to pay your other bills on time, afford a more reliable car, or find a better place to live.

If repaying your student loans is challenging your budget, or worse, putting your finances – and credit rating – in the red, you might want to think about a direct student loan consolidation.

With a direct student loan consolidation, you exchange your outstanding student loans with their higher interest rates for one loan with a more manageable, fixed interest rate.

A direct student loan consolidation may be the answer to more than one problem. If you have struggled to meet your monthly payments and in fact have used every option for deferment or forbearance your current loans offer, or find yourself about to default on your loan, a direct student loan consolidation can mean a fresh start. A new loan is often a clean slate. 

Not only do deferment and forbearance options become available in case of need again, but often direct student loan consolidation gives you a much lower interest rate – as much as 0.6 percentage points – thereby lowering your monthly payments. And when you consolidate those student loans under a new loan, those loans show up on your credit report as paid off, and your credit score benefits.

There are four plans for repaying a direct student loan consolidation that you many want to investigate as you consider which is best for your needs.

The first plan is a Standard Repayment Plan and gives you a fixed monthly payment for up to 10 years. The Extended Repayment Plan also sets fixed monthly payments, but the repayment period is set between 12 and 30 years, according to the total amount you borrow. In this plan your payments are lower because they are spread across a long period of time. Keep in mind, however, that making payments over longer periods of time means you will end up paying out a larger total amount.

The third option is the Graduated Repayment Plan. This is another direct student loan consolidation plan with a repayment period between 12 and 30 years, only in this plan the amount of your monthly payment will increase every two years.

Finally, if you have a job and family, the Income Contingent Repayment Plan may be what you’re looking for. This plan sets a monthly payment based on your annual gross income, family size, and total direct student loan debt, and spreads those payments over a period of 25 years.

While direct student loan consolidation may be the best way to get on top of student loans for some, if you are close to paying off your existing loans, it may not be worth it in the long run to consolidate or extend your payments.

However, if you are still seeing loan payments coming out of your pocket well into the future, consider the direct student loan consolidation seriously. If you consolidate your loans while you are still in school, you may qualify for a 6-month grace period before repayment begins. You may find you will be able to keep any subsidies on your old loans.

Lower your monthly payments, improve your credit rating, gain control of your loans, and give yourself peace of mind about the future with a direct student loan consolidation.

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DIET USING NEGATIVE CALORIES

We can have a diet using negative calories. The main idea is that our body uses more calories to digest some aliments than the calories we know those aliments contain themselves by analyzing the combination of nutritional components of the specific aliments. If we burn more calories than we consume, then we will lose weight.

The theory is in fact very appealing: the body has to consume energy in order to digest the food. For example, an orange has about 50 calories. To process all nutritional components and vitamins that an orange contains, our body will burn more than just 50 calories.

The diet using negative calories is more a solution we can call on in some specific periods, when our body is overwhelmed with nutrition, like holidays, Christmas, New Year’s, birthdays, weddings, and less of a solution that can be used on a long term.

Some specialists say that the lost of weight is obtained mostly by losing parts of the muscular tissue, which is not recommended at all.

So if you decide to use the diet with negative calories keep in mind the following:

-          Make sure it is done in a period your body has already too many calories stored and you won’t be affecting your health by doing this.

-          Ask a medic if you can resist only eating this types of aliments and also ask him the time limit for this diet in your case so you can avoid getting sick.

-          Try to combine them as much as you can, do not eat just oranges or other fruits that contain citric acid as they are not good for your stomach activity when eaten in huge quantities.

-          Review your schedule for the days you want to use this diet and make sure you don’t have any important or stressful things to do. Stress also causes caloric burn and weight reduction and if it occurs during a diet that weakens the organism you can feel physically powerless. If such a thing happens give up on the diet and eat something with many calories and glucoses fast.

If all above points are checked and passed you can start a negative calories diet and give a try to actually eating something instead of taking slim pills and drinking tea.

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Diamond – An Inner Look

Astrologically Diamond is the birthstone of April. It is also the gemstone for the 10^th and 60^th anniversary. Diamond is supposed to strengthen the planet Venus to increase luxury and enjoyment in your life. If you are a Virgo then according to Vedic astrology Diamond is the right gemstone for you. The glittering colour, the four perfect cleavage directions and its endurability has made it the most popular gemstone.

For the interest of Chemistry student Diamond is nothing but a carbon. It is a polymorph of Carbon just like Graphite. Its chemical formula is “C” and only “C”. It’s a native element and belongs to the sub-class Non-metallic. Diamonds are available in wide variety of colors like Blue, pink, white, yellow. The diamond processing industry values the brown diamond much more, which comes in three varieties called Champagne, Cognac and Coffee.

For the Physics students, its hardness is perfect 10 out of 10 in mohs hardness scale. Diamond is the hardest substance, gifted by nature. Just for the sake of interest, Diamond is four times harder than Sapphire or Ruby. Diamond can scratch any other mineral and the myth, “Diamond can only cut a diamond”, is true. The clarity of Diamond is transparent. The specific Gravity of Diamond is 3.5, which is well above the average. Diamond conducts heat the best. For comparison purpose, its five times better than Silver. At this scenario of this very best, the Melting point of Diamond is 3820 Kelvin and the Lattice density is also the highest. Definitely Diamond is empowered with many excellent properties to become the first choice, but again the myth of its indestructible or eternity has been proved to be a foolish notion.

Diamonds are available all over the world. Mostly it is available in Australia, Arkansas, Africa, Botswana, Brazil, Canada, Congo, and Russia etc. A large mine in South Africa has started its operation just five years back.

Diamonds have been used in treatment of mankind for ages. Medical sciences have been able to find its remedial utilities in several accidental and usual disorders due to injuries, fracturing of bones etc. It is supposed to be highly effective in several brain diseases and nervous system disorders. Diamond even helps to control the hormone sequence of the human body.

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Diamond – Your dream companion

Do you want to gift your girl friend an Anklet, Ring or a Diamond bracelet, Diamond stud Earrings? At the least, you might even think of a Diamond watch or Mont blanc pen also. A piece of diamond is bound to make your girl friend more obsessed. Doesn’t your memory cherish the famous song of Nicole Kidman “Diamonds are a girl’s best friend”?

If you are even more interested in female psychology, please note that the girls wear diamond on their third finger, due to an Egyptian belief that vein of love comes to the top of the third finger straight from the heart.

The term Diamond is so famous that the circular-shaped machine is called the Diamond in the upcoming scientific facility, “Diamond Light Source”. Diamond Aircraft Industries Inc. is a very popular name in flying segment. India has got a train named as Black Diamond Express. Plenty of such examples are observed all over the world.

People have referred to diamond as splinters of stars, falling onto earth. Sometimes the ancient group used to believe that tears of God rolling down to the earth are concentrated to form diamonds. The Hindu myth demands diamond's origin as the bones of a very pure and courageous sacrificial.

The ancient history shows that the kings used to wear diamonds. It is said that medieval knights wore diamonds to make them unconquerable. Diamond had become a legendry in the case of digging out the guilt from the rogues and driving out the devils.

Diamond is referred as the king gem. Diamond is a symbol of strength, courage, wealth, power, purity, and innocence. History reveals that King Louis XIV used diamonds in his court. In 1477, Maxmillian gifted a diamond ring to Mary, and this has started the era, when diamond ring has been renamed as an engagement ring, becoming synonymous to the symbol of love and steadfastness. The strength of chemical bonding of diamond is supposed to strengthen the emotional bonding for couples. The myth is the more you spend on this gemstone increases the bondage proportionately, which may be rephrased as, the larger the size of the diamond, the more dedication and love.

The myth regarding the “Hope Diamond” to be sank into the ocean with Titanic is not correct.  A careful study shows that the wearer of the Hope Diamond, Eva Lyn Walsh McLean had cancelled her trip at the last moment.

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