All in all, this means that they don’t just hand them out to anyone, you have to prove to lenders that you are a good investment. The difficulty of being inexperienced in the housing market is that you probably don’t know entirely how to do this. There are actually a number of straight-forward and simple steps you can follow which will put you in the best possible position to be accepted for that all-important first mortgage....

1. You know who you are So many people drift through life without ever really knowing themselves. A lot of us end up working a menial 9-5, come home, eat, sleep, and repeat every day of our lives, only to wake up at 40 and realize we’ve missed out on what we really wanted to do with our lives. Being self-aware at all times will allow you to understand what you want, and will help you start on the path toward actualizing your goals....

Best of all — they’re FREE! Many are available online or for download at: http://consciouslivingfoundation.org/ http://www.goodreads.com/list/tag/public-domain Free audio books are available at www.librivox.org. Enjoy! 1. Wallace D. Wattles, The Science of Getting Rich As Wallace Wattles says himself in the introduction: He applies the same refreshing, straightforward approach to the other two books in his trilogy, The Science of Being Well and The Science of Being Great. 2. James Allen, As a Man Thinketh Mr....

#1 Khan Academy (Free) Khan Academy give you free access to Khan Academy’s complete library of over 3,500 videos. Khan Academy covers a large number of topics including maths, science, finance & economics and even humanities. Spare some of your free time and you can learn about the fundamentals of computer science or prepare for SAT. #2 Rechner Calculator ($0.99) Rechner is a simple and elegant calculator. Rechner is the first calculator taking advantage of the finger gesture on iPhone....

Let’s dive in and find out if you are a real leader by examining these inherent traits. 1. They are honest In their classic leadership book, “The Truth About Leadership”, James M. Kouzes and Barry S. Posner surveyed people across the world regarding leadership. The far-ranging study found that honesty is the number one trait people want in their leaders. Without this strong moral foundation, a leader has no credibility....

Among all the qualities of this great orator and writer, he had an unique gift of expressing complex thoughts in the form of simple and illustrated thoughts. The simple way he exemplified and expressed all his reflections made him and universal philosopher, someone that could be comprehended by the vast majority of the people. Let’s see some of Alan Watts’ magic and awakening quotes. 1. “Man suffers only because he takes seriously what the gods made for fun....

1. They want to be connected to the people in their lives They are in touch with their feelings and thus they are conscious of the people that they try to let into their world. If you are accepted into their world you should know that they would want a relationship that is substantive with you, something that they can cherish and has some meaning to them. 2. They will always take a chance on love Emotional people are not afraid of giving a chance to love....

1. Exercise helps your mood. Are you in a bad mood and don’t know why? Something as simple as a brisk walk around the neighborhood can help put you in a better mood and improve your state of mind. As little as 30 minutes of exercise can release chemicals in your brain that can instantly melt away those bad thoughts. And you can increase the benefits when you make exercise a part of your regular routine....

My friends thought I was crazy. My mother believed I was setting myself up for heartbreak. My father, I’m certain, was just glad he didn’t have to meet the man. I, however, was doggedly determined to Make It Work, despite the ocean (trust me, it’s not a pond) and most of the continental United States between us. We were, after all, Meant to Be. Before I made the radical decision to move from my home in Italy to his in San Francisco, we subsisted on the powers of communication and rendezvouses marked in my memory as some of the loveliest and most passionate moments of my life....

When asked about how he has learnt to build rockets. He has a simple answer: “I read books”. In Elon Musk’s Bookshelf there are 12 books that shaped his character and make him wildly successful today. Surprisingly, science fiction and fantasy novels make up much of Tesla and Space X CEO’s reading list. Following are some of the books that influenced Elon Musk, inspiring him as a child and giving him heroes as a young adult....

So here are 12 things married people want the world to know: 1. Never stop dating your spouse A few months after my husband and I married, I surprised him by sending flirty and funny texts, and asked him out on a date. We spent the whole night pretending to be on our first date and at the end it made us feel rejuvenated and more connected. This lessons is as old as time but it’s always completely true....

With the iPhone 6 firmly established as the must have smartphone this winter, you will most likely be looking to purchase one in time for Christmas. If this is the case, however, you should learn as much as you can about the new handset and the iOS 8 as this will help you to enjoy the most beneficial user experience possible. Here are some of the top tricks and tips for getting the most from your brand new iPhone and iOS 8 software:...

Being a sensitive person and having the ability to recognize how others are feeling, is a very useful trait to have. Here are the 12 reasons why being sensitive can draw others to you. 1. You validate the feelings of others. Many people find it difficult to talk about their feelings and emotions. They struggle with letting down their walls and showing their vulnerable side. It takes a lot of courage for them to admit that they’re not okay....

You “suffer” from what psychologists now call “chronic disorganization.” But, what these psychologists also now tell us it that chronically disorganized people have higher intelligence and greater creativity. So, take heart, and the next time someone criticizes you for you disorganization, give them some facts to chew on. And here are 12 of those facts that demonstrate the high level of intellectual functioning of the chronically disorganized. 1. They score high on verbal IQ tests, often in the gifted range....

If you’re an introvert, you might analyze and judge your actions because you feel as if you don’t fit into the same mold as extroverts. For example, in the past I’ve felt guilty about my actions, such as avoiding eye contact, escaping small talk or screening calls. I worry that I’m offending others or that I’m perceived as being socially awkward. However, when I learned that we as introverts have unique qualities that are just different from extroverts, I began to accept my ways of interacting with others....

Here are 12 things that people may find selfish, but are actually not. 1. You Aren’t Selfish For Being Motivated Do not feel ashamed or worried about being motivated. Whether you do overtime every week or run every morning, be proud of yourself for caring and pushing yourself. People may perceive this as selfish, but this may be for their own selfish reasons, like needing you to be around more often to help them with their needs....

Here’s the question posed in this edition of Ask The Entrepreneurs: What mobile app or website is seeking to help people do good in reaching their life goals? Accompl.sh Brings Accountability 2. Fig Will Be Worth the Wait 3. Digital Nomad Academy 4. Sleep on CouchSurfing 5. Do It With DoSomething 6. It’s a Wonderful day 7. Are You a Location Rebel? 8. Peek Into Pinterest 9. Share Passions With Mightybell...

That hasn’t happened, not in the United States, and not anywhere else. Although the blatant racism of the past — the lynchings, the Klan rallies,the pogroms, the concentration camps — are no longer acceptable in most societies (though they keep rearing up with troubling regularity — consider Bosnia, Rwanda, Sudan, and Guantanamo Bay), race and racism are still factors in most people’s lives, and still create barriers to many people’s ability to succeed....

People who are outwardly tough are easily mistaken as rocks. They are respected for their strength and confidence, but at the same time, other people feel intimidated by their achievements or feel incompetent around them. Some might even mistake their confidence as arrogance. They are typically not the first people you approach to be friends with. However, some of these people have a heart of gold. If you take the time to understand them, you might find a friend for life....

Domestic violence may include physical violence, sexual violence, psychological violence, and emotional abuse. Domestic violence and its forms vary drastically in different relationships, however in almost all situations the abuser tries to maintain power and control over their partner. Domestic violence can affect anybody irrespective of age, gender, ability, sexuality, ethnicity and race. In fact, in 2001 approximately 15% of the victims of intimate partner violence were men and another statistic by the NCADV stated that 43....