Meditation 101, Long Beach

Discuss on ooVoo

It’s been a long time in the thinking but here it is, talks about meditation, yoga and other stuff.

Yes, it’s my secret garden and I have been meditating for years. I was fortunate to have practiced yoga with  Dharma Mittra, you know the guy in the black and white poster that does about  908 asanas (poses). I am a reiki master and a Kofutu instructor. I do these things because they answer questions I have about life and they help situations to resolve for the best possible outcome.

Meditation Fad.
Meditation is big nowadays. Everyone talks about it and many have questions. The most common question is: “what is meditation?”. Simple, at its basic, it’s concentrating in silence on one thing or nothing at all. Everyone mediates. For instance, when you find yourself in a quiet place and think about a problem or about life in general, voila, you are meditating. It’s the act of calming down your mind and body so that you can either think better or cease most thoughts, or all thoughts.

How to meditate.
The next question I always here is: “How do I meditate?”. that question is interesting and I hear not only from spiritual people but business people. This is a good thing because meditation in business is a great ally. For instance, when it comes time to develop your business plan, you should take time to meditate. When running into problems at work, wondering how to handle a difficult co-worker, a troublesome boss or facing a tough situation in general, meditation helps.

Meditation is not only for spiritual, it is a powerful tool to calm down your thoughts and body to allocate more energy to think things through.

Now how to meditate. First of all it takes a little patience, some silence and a little discipline. In our modern society, those three things are getting hard to achieve. Loud motocylces proudly sounding off their goofy put puts, cars screeching, stereos blaring, loud neighbors, it’s hard to find some quiet. Make it. Find a quiet place in your home, preferably not your bedroom. I like going to the beach. It gets me in touch with nature, the sound of the gentle waves lull me and the wind vivifies my senses. But I also know how to turn off the sensations. Go to a park in a rather quiet spot. Use Bose’s noise canceling headset, ear plugs, whatever cuts down on noise. Pretty soon, you will develop a capacity to negate noise around you.

Most people are either visual/auditive or thinkers. For visual people, starring at one point, roughly three feet in front of you can help bring about a meditative state. For auditive people, listening to waterfalls or the sea is great. For thinkers, try starring into a candle, also three feet away, and as usual, use common sense. Make sure the candle is secured in a bowl where it cannot catch anything on fire.

Calming the mind.
Your thoughts are not yours. Yes, seriously. They pop up but they are only a product of your imagination. Observe your thoughts as if you were your own observer. Look at them as what they are, just thoughts. Let them go and return to your observation. After all, who is in charge? You or your thoughts?

It takes time to find peace in meditation but it is well worth the work. Learn to meditate at least 15 minutes a day. You will bring a feeling of peace and serenity with you all day long. You will be more poised. You will have greater insight as to who you truly are. You will have greater self control over yourself and thoughts. Mostly, you will have found a way to think calmly and rationally. The more you take time to meditate, the more centered you become, the more you can think coherently about anything.

Making Sense of Loans, Long Beach

Discuss on ooVoo

With all the bad rap, you would think loans are bad. Yet, pretty anyone needs loans and more than ever, needs to understand them.

 Michelle Singletary has a great post on the Washington Post (all puns intended) on how what to understand when getting involved with loans.

Obviously, lenders deal with many loans. They know what they do and understand the lingo. On an average, people buy three homes in their life time which hardly qualifies them to decipher the terminology. Nonetheless, it iasn’t a bad thing to negotiate with lenders because guess what? It’s a tough market. It’s a buyer’s market and lenders need buyers. And you thought you could only negotiate with sellers!

“For example, if you’re applying for an adjustable rate mortgage, you should know what a margin is.

“ARMs can get lost in a sea of vocabulary,” Reed writes. “Start rates, LIBOR, annual caps, lifetime caps, fully indexed — it can get confusing. It’s the margin that you need to concentrate on.” ” Do you know what a margin is? A margin is the number, expressed as a percentage, that explains the rate a borrower will pay for borrowing a certain amount of money.

I like Michelle’s posts. They are to the point and offer great insight.