BANK ACCOUNT!!!

BANK  ACCOUNT!!! 

This  is AWESOME ... something we should all remember.   
A  92-year-old, petite, well-poised and proud man, who is fully dressed  each   morning  by eight o'clock, with his hair fashionably combed and  shaved   perfectly,  even though he is legally blind, moved to a nursing home  today.   
His  wife of 70 years recently passed away, making the move necessary.  After   many  hours of waiting patiently in the lobby of the nursing home, he  smiled   sweetly  when told his room was ready.   
As  he maneuvered his walker to the elevator, I provided a visual  description   of  his tiny room, including the eyelet sheets that had been hung on his  window.   I  love it,' he stated with the enthusiasm of an eight-year-old having  just  been  presented with a new puppy.   
Mr.  Jones, you haven't seen the room; just wait.'   
'That  doesn't have anything to do with it,' he replied.   
Happiness  is something you decide on ahead of time.   
Whether  I like my room or not doesn't depend on how the furniture  is   arranged  ... it's how I arrange my mind. I already decided  to love it. 

'It's  a decision I make every morning when I wake up. I have a  choice;   I  can spend the day in bed recounting the difficulty I have with  the   parts  of my body that no longer work, or get out of bed and be thankful   for the ones that do.   
Each  day is a gift, and as long as my eyes open, I'll focus on the new  day   and  all the happy memories I've stored away.. Just for this time in my  life.   

Old  age is like a bank account. You withdraw from what you've put  in.   
 So,  my advice to you would be to deposit a lot of happiness in the  bank   account  of memories!   

Thank  you for your part in filling my Memory    Bank.   I  am still depositing.   
'Remember  the five simple rules to be happy:                

1.  Free your heart from hatred. 

   2.  Free your mind from worries.          
    3.  Live simply.   
    4.  Give more.   
   5.  Expect less.  

 

How the Richest 400 People in America Got So Rich

By Derek Thompson | The Atlantic – Thu, Jul 12, 2012 2:41 PM EDT

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Yahoo! editors have selected this article as a favorite of 2012. It first appeared on Yahoo! Finance in July and was one of the most popular stories of the month. Readers debated how people really get rich in the U.S., with user One-Eyed Jack commenting that "I would really like to know how many of the 400 were born into millions and how many actually made it on their own." User John replied: "I am a first generation millionaire and also a first generation American. My money came from hard work and smart planning mainly in real estate, but I learned to get by on very little while I was accumulating wealth."
In 1992, the 400th richest person in America made $24 million.
In 2007, the 400th richest person in America made $138 million (or $87 million, inflation-adjusted).
Now, that almost certainly wasn't the same guy. There's a lot of churn at the top of the money pyramid. In all of the 1990s, only 25% of the Fortunate 400 made more than one appearance. But the overall message is the same. The rich keep getting richer.
According to the IRS, which recently released 2009 data from the 400 richest individual income tax returns, the real runaway growth in wealth has come from capital gains. In the last years of the bubble, the "Fortunate 400" made nearly half their income from capital gains (a.k.a.: profit from the rising value of an investment, such as stocks or property) and less than 10% of their income from old-fashioned wages.
The average income of a top-400 earner grew by 650% between 1992 and 2007 to a whopping $344 million. Over that time, the average salary didn't even double. But the average capital gains haul increased by 1,200%. So how do the richest get richer? Not from their wages. From their investments.
Here's a look at the average salary and average capital gains income of a top-400 earner since 1992. Y-axis is labeled in thousands of dollars and all-time highs are noted in the graph.

Three last things:
(1) Who are these people? As Tim Noah explained on our business page, a 2010 study studied the top 0.1 percent, who currently make at least $1.7 million. That's 14-times less than our Fortunate 400 group, but it's the closest we've got. Four in ten in this group were executives, managers, and supervisors at nonfinancial firms. Eighteen percent were financiers. Next came law (7 percent), medicine (6 percent), and real estate (4 percent). My guess is that the top 400 skews toward finance and chief exec even stronger. A lawyer/doctor making $2 million I can imagine. But $24 million?
(2) Capital gains absolutely dictate the wealth of the richest Americans. As Matt O'Brien graphed for us, that's why the income of the top 0.1 percent hugs the S&P so closely.
(3) Remember that as this is happening, the long-term capital gains tax rate has fallen from 28 percent in 1990 to 20 percent for the latter half of the 1990s to 15 percent under George W. Bush.
Financially Fit Reveals 5 Secret Habits of Wealthy Americans:

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Parrot is Dead......................

 

!!

At dawn the telephone rings,

"Hello, Se�or Bob? This is Ernesto, the caretaker at your country house."

"Ah yes, Ernesto. What can I do for you? Is there a problem?"

"Um, I am just calling to advise you, Se�or Bob, that your parrot, he is dead".

"My parrot? Dead? The one that won the International competition?"

"Si, Se�or, that's the one."

"Damn! That's a pity! I spent a small fortune on that bird. What did he die from?"

"From eating the rotten meat, Se�or Bob."

"Rotten meat? Who the hell fed him rotten meat?"

"Nobody, Se�or. He ate the meat of the dead horse."

"Dead horse? What dead horse?"

"The thoroughbred, Se�or Bob."

"My prize thoroughbred is dead?"

"Yes, Se�or Bob, he died f rom all that work
 pulling the water cart."

"Are you insane? What water cart?"

"The one we used to put out the fire, Se�or."

"Good Lord! What fire are you talking about, man?"

"The one at your house, Se�or! A candle fell and the curtains caught on fire."

"What the hell? Are you saying that my mansion is destroyed because of a candle?!"

"Yes, Se�or Bob."

"But there's electricity at the house! What was the candle for?"

"For the funeral, Se�or Bob."

"WHAT BLOODY FUNERAL??!!"

"Your wife's, Se�or Bob. She showed up very late one night and I thought she was a thief, so I hit her with your new Ping G15 204g titanium head golf club with the TFC 149D graphite shaft."

SILENCE...........

LONG SILENCE.........

VERY LONG
 SILENCE����

"Ernesto, if you broke that driver, you're in deep shit. "


   

Do you really want to use margarine?!!!!

: Fwd: Fwd: FW: PASS THE BUTTER, PLEASE!!

  

 

Now I know for sure why I love butter!  :-)

 

 

 

Having worked at Unilevers Premier Margarine Factory in the UK for 1 Year as a Management Trainee, and then in Sri Lanka Managing Margarine Manufacture, I can safely admit that what you are about to read is true!!  

Pass The Butter ...  Please.        
   
This is interesting . .. .  
   
Margarine was originally manufactured to fatten turkeys.  When it killed the turkeys, the people who had put all the money into the research wanted a payback so they put their heads together to figure out what to do with this product to get their money back.     

It was a white substance with no food appeal so they added the yellow colouring and sold it to people to use in place of butter. How do you like it?  They have come out with some clever new flavourings....     
  
DO YOU KNOW the difference between margarine and butter?   
   
Read on to the end...gets very interesting!     
  
Both have the same amount of calories.  

Butter is slightly higher in saturated fats at 8 grams, compared to 5 grams for margarine. 
   
Eating margarine can increase heart disease in women by 53% over eating the same amount of butter, according to a recent Harvard Medical Study. 
   
Eating butter increases the absorption of many other nutrients in other foods.    

Butter has many nutritional benefits where margarine has a few and only because they are added!  
   
Butter tastes much better than margarine and it can enhance the flavours of  other foods. 
   
Butter has been around for centuries where margarine has been around for less than 100 years.  

And now, for Margarine..  
   
Very high in trans fatty acids.  
   
Triples risk of coronary heart disease ...  

Increases LDL (this is the bad cholesterol) and lowers HDL cholesterol, (the good cholesterol)  
   
Increases the risk of cancers up to five times..
   
Lowers quality of breast milk 
   
Decreases immune response. 
   
Decreases insulin response. 
   
And here's the most disturbing fact...HERE IS THE PART THAT IS VERY INTERESTING!  
   
Margarine is but ONE MOLECULE away from being PLASTIC...and shares 27 ingredients with PAINT

These facts alone were enough to have me avoiding margarine for life and anything else that is hydrogenated (this means hydrogen is added, changing the molecular structure of the substance).     
  
Open a tub of margarine and leave it open in your garage or shaded area. Within a couple of days you will notice a couple of things:  

* no flies, not even those pesky fruit flies will go near it (that should tell you something)  
 
* it does not rot or smell differently because it has no nutritional value; nothing will grow on it. Even those teeny weeny microorganisms will not a find a home to grow.  Why?  Because it is nearly plastic . Would you melt your tupperware and spread that on your toast?  

 
Share this With Your Friends.....(If you want to 'butter them up' for better health)!

now - do you really want to use margarine?!!!!           
 

 

 

Christ Bell

 

Christ Bell This is an awesome e-mail.. Someone took a lot of time setting up this message. THE BELL I KNOW WHO I AM I am God's child (John 1:12) I am Christ's friend (John 15:15 ) I am united with the Lord (1 Cor. 6:17) I am bought with a price (1 Cor 6:19-20) I am a saint (set apart for God). (Eph. 1:1) I am a personal witness of Christ.  (Acts 1:8) I am the salt & light of the earth (Matt 5:13-14) I am a member of the body of Christ (1 Cor 12:27) I am free forever from condemnation ( Rom. 8: 1-2) I am a citizen of Heaven. I am significant (Phil 3 :20) I am free from any charge against me (Rom. 8:31 -34) I am a minister of reconciliation for God (2 Cor 5:17-21) I have access to God through the Holy Spirit (Eph. 2:18) I am seated with Christ in the heavenly realms (Eph. 2:6) I cannot be separated from the love of God (Rom 8:35-39) I am established, anointed, sealed by God  (2 Cor 1:21-22 ) I am assured all things work together for good  (Rom. 8:28 ) I have been chosen and appointed to bear fruit (John 15:16 ) I may approach God with freedom and confidence (Eph.. 3: 12 ) I can do all things through Christ who strengthens me (Phil. 4:13 ) I am the branch of the true vine, a channel of His life (John 15: 1-5) I am God's temple (1 Cor. 3: 16).   I am complete in Christ (Col. 2: 10) I am hidden with Christ in God (Col. 3:3).. I have been justified (Romans 5:1) I am God's co-worker (1 Cor. 3:9; 2 Cor 6:1). I am God's workmanship (Eph. 2:10) I am confident that the good works God has begun in me will be perfected. (Phil. 1: 5) I have been redeemed and forgiven ( Col 1:14). I have been adopted as God's child (Eph 1:5)  I belong to God Do you know Who you are? Keep this bell ringing...pass it on  'The LORD bless you and keep you; The LORD make His face shine upon you And be gracious to you; The LORD turn His face toward you And give you peace... Numbers 6:24-26 -felipe-

 

Health Information

" Health Benefits of Consuming Dates " 1) Dates are free from cholesterol and contain very low fat. Dates are rich in vitamins and minerals. 2) They are rich source of protein, dietary fiber and rich in vitamin B1, B2, B3 and B5 along with vitamin A1 and C. 3) It helps improve the digestive system as it contains soluble and insoluble fibers and different kinds of amino acids. 4) Dates are great energy boosters as they contain natural sugars like glucose, sucrose and fructose. To get more advantage add dates to milk and make it a very nutritious snack. 5) Dates are very low in calories and are extremely suitable for health conscious people. 6) Dates are rich in potassium and reduced in sodium. This helps regulate a healthy nervous system. Researchers have revealed the fact that potassium intake up to a certain extent can reduce risk of stroke. 7) Dates also help in lowering of the LDL cholesterol. 8) Dates have high iron content and are very useful in treating anemia. The patients can eat many dates for better advantages. 9) Dates also have fluorine that slows down the process of tooth decay. 10) It helps people suffering from constipation. Soak dates overnight and take it along with water to have added advantage. 11) Dates help in weight gain and are beneficial for those who suffer from over slimming problem. 12) Dates are excellent for alcoholic intoxication.Cures abdominal cancer. 13) It also helps in improving eye sight and helps in curing night blindness as well. "The best thing is that it does not have any side effect on the body and is completely natural as well as it works better than medicine."

STEPPING STONE TO STARDOM

TNN|Dec 10, 2012, 11.50AM IST

SHARE AND DISCUSS http://feminamissindia.indiatimes.com//articleshow/.cms http://feminamissindia.indiatimes.com//articleshow/.cmsTweet (L-R)Aishwarya Rai, Sushmita Sen and Diana Hayden

From ordinary women to global stars, Miss Indias have won 34 international titles, making the country the second-most successful participant at beauty pageants around the world

Indian women have traditionally been considered among the most beautiful in the world. With their combination of beauty, grace, poise and intelligence, they have been the embodiment of the perfect woman. No wonder then India has been one of the most successful participants in international beauty pageants.
Over the years, Indian participants have returned with 11 main title crowns in international pageants like Miss World, Miss Universe, Miss Earth, and Miss Asia Pacific. They have also come back 23 times with second and third positions. With an impressive 34 wins across various categories, India has been the second-most successful participant at these beauty pageants. Among the country's many achievements are:

Capturing the second highest number of Miss World titles — five, to be precise. Beauties like Aishwarya Rai (1994), Diana Hayden (1997), Yukta Mookhey (1999) and Priyanka Chopra (2000) have made the country proud over the years in the Miss World competition.

The historic moments when Sushmita Sen (1994) and Lara Dutta (2000) were crowned Miss Universe during their respective pageants. Besides Sushmita and Lara, participants like Yasmin Daji (1966), Madhu Sapre (1992), Manpreet Brar (1995) and Celina Jaitley (2001) were also triumphant in their pageants. They won the third runner-up, second runner-up, first runner-up and fourth runner-up positions, respectively, for the country.

Zeenat Aman (1970), Tara Anna Fonseca (1973) and Dia Mirza (2000) winning the Miss Asia-Pacific crowns.

Nicole Faria winning the Miss Earth crown in 2010.

And this is just a summary. Giving wings to the dreams of beautiful young women who aim to make a mark in the world of glamour, the institution of the Miss India pageant has acted as a stepping stone for many of today's global stars. Armed with dreams and determination, aspirants from the remotest corners of the country have made it big through the platform, while also bringing glory and respect to the country.

This year, the Miss India contest celebrates 50 years of its achievement-filled existence. To commemorate this special occasion, the country's leading facecare brand, Pond's, has joined hands with the pageant for the Pond's Femina Miss India 2013 to invite and encourage contestants from across India to participate.
Auditions have been initiated from all regions across the country. Seven city pageants are being held, out of which four have already been concluded in Pune, Goa, Indore and Bangalore. The next city on the list is Chandigarh, followed by Delhi and Kolkata in January 2013, which will culminate into the grand finale in Mumbai. The winner of the city pageants will get a lifetime opportunity to get fast-tracked to the finals at the grand finale of Pond's Femina Miss India 2013.

To apply, log on to http://feminamissindia.indiatimes.com and send your pictures on feminamissindia2013@gmail.com.

Pond's Gorgeously Alive
International celebrities who swear by the brand include singing sensation Kylie Minogue, who reveals Pond's as the secret of her glowing and youthful skin. Minogue has admitted she has started using it every day following her mother's advice. "It's really changed my skin," she said. "It's all I really use to look after my skin. It's such an old classic."

Pond's was the first sponsor when the Miss India pageant toured India with a fashion show and is now back with the Miss India pageant in its 50th year.