Selasa, 28 September 2010

[W898.Ebook] Free PDF 25 Ways to Improve Your Life, by Sri Sri Ravi Shankar

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25 Ways to Improve Your Life, by Sri Sri Ravi Shankar

25 ways to improve your life, 1/e pb (paperback) book description

  • Sales Rank: #2425194 in Books
  • Published on: 2010-01-01
  • Original language: English
  • Dimensions: .0" h x .0" w x .0" l, .21 pounds
  • Binding: Paperback
  • 96 pages

Most helpful customer reviews

0 of 1 people found the following review helpful.
Not on par with his other books
By terry s bogner
I have read several of his books and this one wasn't quite on par with the other ones

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Minggu, 26 September 2010

[D797.Ebook] Download PDF The Principles of Warehouse Design, by Peter Baker

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The Principles of Warehouse Design, by Peter Baker

Effective warehouse operations are key to the majority of logistics processes and a well designed and managed warehouse facility can provide significant business advantage. As the pace of change continues to gather momentum we must continue to review and update best practice in all areas of activity, and this new edition of the Principles of Warehouse Design is both appropriate and timely. This guide should be required reading for those specifying, designing, building and operating warehouse facilities because getting it right is worth the effort.

  • Sales Rank: #1680114 in eBooks
  • Published on: 2010-03-10
  • Released on: 2010-03-10
  • Format: Kindle eBook

Most helpful customer reviews

0 of 0 people found the following review helpful.
Good one!
By Fernando Griebenow
Easy to read, logical sequence of issues. Contains the basic to start in warehouse design. Worth the price. Will need a new editon in a couple of years in the technology and equipment chapter.

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Jumat, 24 September 2010

[S453.Ebook] Ebook Download Love Poems (Everyman's Library Pocket Poets), by Sheila Kohler, Peter Washington

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Love Poems (Everyman's Library Pocket Poets), by Sheila Kohler, Peter Washington

It has often been said that love, both sacred and profane, is the only true subject of the lyric poem. Nothing better justifies this claim than the splendid poems in this volume, which range from the writings of ancient China to those of modern-day America and represent, at its most piercing, a universal experience of the human soul.

Includes poems by John Donne, Christina Rossetti, W. H. Auden, Edna St. Vincent Millay, Robert Graves, e. e. cummings, Dorothy Parker, William Shakespeare, Sappho, Bhartrhari, Anna Akhmatova, and W. B. Yeats, among many others.

  • Sales Rank: #236037 in Books
  • Brand: Everyman's Library
  • Published on: 1993-11-02
  • Released on: 1993-11-02
  • Original language: English
  • Number of items: 1
  • Dimensions: 6.50" h x .70" w x 4.30" l, .49 pounds
  • Binding: Hardcover
  • 256 pages
Features
  • Great product!

From the Inside Flap
It has often been said that love, both sacred and profane, is the only true subject of the lyric poem. Nothing better justifies this claim than the splendid poems in this volume, which range from the writings of ancient China to those of modern-day America and represent, at its most piercing, a universal experience of the human soul.
Includes poems by John Donne, Christina Rossetti, W. H. Auden, Edna St. Vincent Millay, Robert Graves, e. e. cummings, Dorothy Parker, William Shakespeare, Sappho, Bhartrhari, Anna Akhmatova, and W. B. Yeats, among many others.

About the Author
Peter Washington is the editor of many of the Everyman's Library Pocket Poets, including�Love Poems, and is the author of Madame Blavatsky's�Baboon: A History of the Mystics, Mediums, and�Misfits Who Brought Spiritualism to America.

Most helpful customer reviews

0 of 0 people found the following review helpful.
A wonderful and delightful book of love poems for anyone who appreciates beautiful poetry.
By Joseph J. Truncale
I have purchased and read numerous copies of “Everyman’s library pocket poets” over the years. I recently bought this 256 page hardcover edition of “Love Poems” selected and edited by Peter Washington. The wonderful book has selections from poets of the past and contemporary poets. This book is organized into the following topic areas:

Definitions and persuasions, love and poetry, praising the loved one, pleasures and pains, fidelity and inconstancy, absence, estrangement and parting, and love past. This unique collection has some of the most beautiful and enduring love poems I have ever read. All the most famous and loved poets are included in this book of love poems. The most quoted writer of all time William Shakespeare, the legendary Emily Dickinson, the dark and brooding Edgar Allan Poe, one of the most read poets Robert Frost and numerous other great poets have selections in this collection. These love poems are from poets around the world which makes it a must have volume for your own personal library collection of poetry books.

If you love poetry this is a must collection of “Love Poems” you will want to own. This short review cannot do justice to this wonderful volume.

Rating: 5 Stars. Joseph J. Truncale (Author: Haiku Moments: How to read, write and enjoy haiku).

8 of 9 people found the following review helpful.
An Understanding of Love
By Rebecca of Amazon
But true Love is a durable fire
In the mind ever burning;
Never sick, never old, never dead,
From itself never turning. ~Walter Ralegh

I am naturally drawn to tiny books and this book was no exception. I saw it and instantly fell in love with the red library binding and gold embossing on the fabric cover. This is one of those books you want to carry around with you in your pocket to read on a sunny day while sitting on a park bench.

While most of the poems were new to me, I did find lines to make any poet drown in the pure beauty of words. "In My Sky at Twilight" is a paraphrase of the 30th poem in Raindranath Tagore's The Gardener. The images are lush and mingle emotion with nature. "In Former Days" by Bhartrhari (5th Century) is witty and beautiful in its simplicity. Two lovers are so in love they forget their separateness and then drift back to being "you" and "me." The poem is a mere four lines and yet it provides a intimate look at how lovers feel when in love and when they drift apart. I loved a few lines in "The Palanquin" where a butterfly lands on delicate skin and transfers colors onto the lover's skin.

The poems are divided into 7 sections:

Definitions and Persuasions
Love and Poetry
Praising the Loved One
Pleasures and Pains
Fidelity and Inconstancy
Absence, Estrangement and Parting
Love Past

You may recognize poems by Lord Byron, Edgar Allan Poe, William Shakespeare, Walt Whitman and Dorothy Parker. I was pleasantly surprised by poems by Leconte De Lisle, Pablo Neruda and Dioskorides.

You will find a wide range of love poems. This book contains selections from ancient China to modern America. These poems present the universal experience of the human heart.

~The Rebecca Review

0 of 0 people found the following review helpful.
a delight
By Josie
This bookwas much smaller than I expected (my own fault and not necessarily a flaw) but it is filled with wonderful, wonderful love poems. I keep it on my coffee table for whenever I feel the whim to read a poem and I've read quite a few in this book. They picked some very good poems from a broad array of poets.

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Kamis, 16 September 2010

[L934.Ebook] Ebook Fit to Grow: 12 Business Themes For Growth, by Mark G Richardson

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Fit to Grow: 12 Business Themes For Growth, by Mark G Richardson

Like a jigsaw puzzle, a healthy business needs all the right pieces assembled properly in order to see the entire picture.� In his latest book,� Fit to Grow,� Mark Richardson introduces those pieces through a comprehensive collection of simple yet effective business themes that will help you� establish a strong foundation and enable you to grow a sustainable business.

��������� Themes that will make your business Fit to Grow include…
�� ��� ��� �• People are your greatest asset
�� ��� ��� �• Create clients and business will follow
�� ��� ��� �• If you give , you get
�� ��� ��� �• Aggressive but realistic
�� ��� ��� �• Exceed expectations

Fit to Grow is the perfect follow up to Richardson’s best-selling book, How Fit is Your Business?, which defines and directs you through a thorough diagnosis of your business fitness check up then shares the prescription for better business health.

Fit to Grow provides the important growth pieces to make an organization, well, Fit to Grow!

  • Sales Rank: #1956395 in Books
  • Brand: Brand: Advantage Media Group
  • Published on: 2013-02-01
  • Original language: English
  • Number of items: 1
  • Dimensions: 8.50" h x .29" w x 5.50" l, .43 pounds
  • Binding: Paperback
  • 136 pages
Features
  • Used Book in Good Condition

Review
“This is the perfect blend of theory and practice.� Mark takes simple but sophisticated concepts and fits them together into a formula for success. These themes are presented with real world examples that everyone can understand and implement. After reading this book, preparing for sustainable growth becomes obvious.” � �� - Kermit Baker , Harvard University

About the Author
Mark G Richardson: Author, Speaker, Columnist and Business Growth Expert.� Mark has presented to thousands of business and sales leaders across the country. From construction to healthcare, manufacturing to retail, individuals from countless industries have found Mark’s wisdom relevant and delivery powerful. Richardson is a Fellow at Harvard University Joint Center for Housing Studies, lectures at MBA programs and writes columns for Professional Builder and Professional Remodeler. Mark was named Ernst and Young Entrepreneur of the Year in 2006 and is a member of NAHB’s Hall of Fame. Mark and his family live outside Washington DC.

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0 of 0 people found the following review helpful.
Ties in well to How fit is your Business Good for general team building and getting team to grasp ...
By G3
Ties in well to How fit is your Business

Good for general team building and getting team to grasp business health aspects of the organazation.

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Selasa, 14 September 2010

[O893.Ebook] Download The Simple Path to Wealth: Your road map to financial independence and a rich, free life, by J L Collins

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The Simple Path to Wealth: Your road map to financial independence and a rich, free life, by J L Collins

“In the dark, bewildering, trap-infested jungle of misinformation and opaque riddles that is the world of investment, JL Collins is the fatherly wizard on the side of the path, offering a simple map, warm words of encouragement and the tools to forge your way through with confidence. You'll never find a wiser advisor with a bigger heart.” -- Malachi Rempen: Filmmaker, cartoonist, author and self-described ruffian

This book grew out of a series of letters to my daughter concerning various things—mostly about money and investing—she was not yet quite ready to hear.

Since money is the single most powerful tool we have for navigating this complex world we’ve created, understanding it is critical.

“But Dad,” she once said, “I know money is important. I just don’t want to spend my life thinking about it.” This was eye-opening. I love this stuff. But most people have better things to do with their precious time. Bridges to build, diseases to cure, treaties to negotiate, mountains to climb, technologies to create, children to teach, businesses to run.

Unfortunately, benign neglect of things financial leaves you open to the charlatans of the financial world. The people who make investing endlessly complex, because if it can be made complex it becomes more profitable for them, more expensive for us, and we are forced into their waiting arms.

Here’s an important truth: Complex investments exist only to profit those who create and sell them. Not only are they more costly to the investor, they are less effective.

The simple approach I created for her and present now to you, is not only easy to understand and implement, it is more powerful than any other.

Together we’ll explore:

  • Debt: Why you must avoid it and what to do if you have it.
  • The importance of having F-you Money.
  • How to think about money, and the unique way understanding this is key to building your wealth.
  • Where traditional investing advice goes wrong and what actually works.
  • What the stock market really is and how it really works.
  • Why the stock market always goes up and why most people still lose money investing in it.
  • How to invest in a raging bull, or bear, market.
  • Specific investments to implement these strategies.
  • The Wealth Building and Wealth Preservation phases of your investing life and why they are not always tied to your age.
  • How your asset allocation is tied to those phases and how to choose it.
  • How to simplify the sometimes confusing world of 401(k), 403(b), TSP, IRA and Roth accounts.
  • TRFs (Target Retirement Funds), HSAs (Health Savings Accounts) and RMDs (Required Minimum Distributions).
  • What investment firm to use and why the one I recommend is so far superior to the competition.
  • Why you should be very cautious when engaging an investment advisor and whether you need to at all.
  • Why and how you can be conned, and how to avoid becoming prey.
  • Why I don’t recommend dollar cost averaging.
  • What financial independence looks like and how to have your money support you.
  • What the 4% rule is and how to use it to safely spend your wealth.
  • The truth behind Social Security.
  • A Case Study on how this all can be implemented in real life.
Don’t let any of this intimidate you. Those that have gone before you say:

“….in his patented no-frills and often humorous style, JL makes it both approachable and simple. And powerful.”
“…effective message told in a visual, funny style.”
“…a refreshingly unique and approachable take on investing.”
“JL Collins has the gift of making boring financial concepts funny and interesting.”
“Instead of esoteric equations about measuring a stock's alpha and comparing it to its beta, he lights up the campfire and starts telling stories.”

Enjoy the read, and the journey!

  • Sales Rank: #4002 in Books
  • Published on: 2016-06-18
  • Original language: English
  • Dimensions: 8.50" h x .72" w x 5.50" l, .81 pounds
  • Binding: Paperback
  • 286 pages

About the Author
These days, I'm a book author and financial blogger on jlcollinsnh.com, but it wasn’t always so. I started selling flyswatters door-to-door and picking up empty pop bottles from the side of the road for the 2-cent deposit. Gimme a break. I was eight. My first real job was scrubbing out big metal ice cream cans. I was 13. It paid $1.25 per hour. From there: Busboy, dishwasher, order-puller, grocery bagger, stock clerk, produce clerk and gas station pump jockey back in the day when someone pumped your gas, washed your windows and checked your oil (ask your grandparents). Mail clerk, tree-trimmer, landscaper, ad agency founder, account executive, ad space salesman, investment officer, entrepreneur, consultant, sales trainer, speaker, writer, radio talk show host and magazine publisher. Pretty much in that order although I’ve done some more than once. And I may have forgotten one or two. My work has taken me to most U.S. states as well as Canada, Germany and England. One of my few regrets is that I’ve never had an international posting. But I’ve had the good fortune to see a bit of the planet on my own: Mexico, Canada, Ireland, Wales, England, Greece, Crete, Puerto Rico, Tahiti, Venezuela, Curacao, Scotland, Italy, Germany, Spain, Paris, India, Kashmir, Goa, Nepal, Zanzibar, Tanzania, Eleuthera, St. Thomas, St. Martin, Barbados, Antigua, Martinique, Ecuador, Per�, Bolivia, Chile, Prague, Guatemala, Gal�pagos. Pretty much in that order although I’ve visited some more than once. And I may have forgotten one or two. I’ve traveled by plane, train, bus, boat, subway, taxi, hired car, motorcycle, bicycle, rickshaw, hitch-hiking, foot, horse, donkey and elephant. Not only traveled by elephant, but herded rhinoceroses by elephant back in Nepal. My degree in English Lit is from the University of Illinois at Champaign-Urbana. They still send me alumni letters mostly, I think, hoping I’ve become rich and famous. I’m working on it. Here’s my favorite cartoon: The visual is two guys in a corn field, up on racks dressed in shabby clothes. Straw coming out from their shirt cuffs and pant legs. They are serving as scarecrows. One is looking over at the other and saying… “English Major. How about you?” A pal of mine once said I had won the family lottery. He is right. My wife Jane and I have been married for 34 years. Our daughter Jessica graduated Summa Cum Laude from the University of Rhode Island. She currently serves in the Peace Corp.

Most helpful customer reviews

5 of 5 people found the following review helpful.
Simple and clear, but overly optimistic and aggressive about stocks
By K. Knox
Five+ stars for clarity and conciseness, but a one star deduction for investment recommendations that are both overly simple and overly optimistic. For those still in the accumulation phase, and particularly for those just starting their working and investing lives this book would be by far my number one recommendation, but real or prospective (and especially early) retirees would be far better served by other books, such as Darrow Kirkpatrick's "Can I Retire Yet"?

The author recommends just three investments: Vanguard's Total U.S. Stock and Bond index funds and a smattering of cash. He refers to (and encourages readers to rely on) the long-term historical 11.9% return of equities even though his (and my) hero and mentor Jack Bogle is calling for stock market returns of 4-5% and bonds yielding 2.5% for the next decade (and he's far from alone in suggesting this). Mr. Collins also argues against including any allocation to international stocks on the basis of arguments (such as the old canard about U.S. multinationals already offering enough exposure to other countries) that Vanguard itself has disproved in detail, with the company's own Target Date funds (even the most conservative) including significant exposure to what is after all about 55% of the investable universe. The preference for U.S. equities and bonds is a relatively minor quibble, but advocating dangerously high equity allocations (the author is retired and holds 75% stocks!) and encouraging planning based on returns which are very likely double what we'll see going forward is dangerous advice for anyone who doesn't have decades of productive and high-paying work ahead of them.

These disagreements notwithstanding this book is, as many other reviewers have pointed out, a magnificent dose of clarity and simplicity. I wish I'd had access to it when I was in my twenties, and will be sharing it with all of my friend just starting out in investing.

4 of 4 people found the following review helpful.
Perfect book for us savers who care nothing about investing
By BETTY A PRIOUX
All my life, I heard save save save from my very frugal parents. They were smart, and I'm smart. But the only tools for saving that we all understood were bank savings accounts and certificates of deposit (CDs).
My wife and I started consulting with a financial advisor several years ago. We didn't consider ourselves investors. We just wanted someone to help us maximize our savings and get good investment returns, all towards a comfortable and non-extravagant post-job life.
Our financial advisor did a good job helping us increase our savings rate. But our investments stagnated and lost money over the last several years. I've felt dissatisfied with the stagnation and loses. When I read a favorable review of this book on the[...], I thought, maybe this book can help me understand what's happened, and maybe I can learn what to do, since I'm smart.
The book delivered more than I imagined. The advice is so clear that I now feel confident I can manage our investments with no financial advisor help. I will very soon move our savings to a new company and new investment allocations based on what I learned in the book. And the best thing is, I understand what I'm doing and why.
I care most about saving towards a time when my wife and I don't have to work to pay our bills. The information in this book helped me understand how to invest our savings in simple and highly effective ways. Sections of the book also helped me look more closely at the investments that our savings is currently in. Now I understand why our investments stagnated and lost money. No more of that.
I also now think of the stock market as the best wealth generator available to me, not just another casino like those glitzy places in Las Vegas that suck money from people's pockets. The author reframed "market risk" for me into "market volatility", and made a clear data-based case that, over long periods of time, the market rises. I can deal with volatility -- I can ignore stock market news altogether. I've thought for years that the stock market seems to always rise, no matter how badly it drops. The author explained in ways that I could understand, with data to back up his points, exactly why my thinking is correct.
I'm about to start re-reading the book for the fourth time. It's a fun read, full of good stories as well as clear and practical advice. I enjoy re-reading the book and have found that I learn and internalize more and more as I re-read it.
I still don't care about investing. But I care deeply about making my and my wife's savings work optimally for us, and I look forward to our comfortable and non-extravagant post-job life. Thanks to this book, I finally know what to do to make that happen.
JL Collins, thank you for sharing your lifetime of financial insights with your daughter and with the rest of us who are smart, but care nothing about investing.

3 of 3 people found the following review helpful.
I detailed the reasons why the author got five stars.
By Steve Schullo
I liked the author’s podcast interview by the respected, data driven and the whimsical Mad Fientist. I bought this book for two important reasons: it was self-published and the author’s persistent reference to Jack Bogle’s genius. I support self-published financial authors because the traditional publishers deploy editors to tweak the author’s voice, and original story, to make the final “processed” book more sellable. Instead, self-published authors do not have to satisfy shareholders, or generate sales, so the author’s message about Bogle’s investment philosophy and the company he founded, Vanguard, remains organic for the readers’ best interest.

This book is perfect for beginners, and some seasoned investors who are sick and tired of searching for that short-term investment miracle. Collins stuck with Bogle’s purest message from the beginning to the last word. As a Bogle devotee, I appreciate his courage to stand up, write a terrific book and argue effectively for the indexing strategy and against the delusional appeal of day-traders, hedge fund managers, active management strategies, timers, or individuals who claim they can successfully speculate and win big. Far too many normal investors get caught up in those phony, but exciting fantasies and lose. The new guy or gal investor gets the skills to construct a simple portfolio you understand, and then have the courage and the confidence to permanently ignore the media’s seductive financial noise machine.

The Simple Path to Wealth basic message to beginners is well-known in the Do It Yourself (DIY) investing culture:
• think long-term
• live below your means
• plan ahead with a fully diversified portfolio (except international stocks, more on this below)
• invest in Vanguards low-cost index funds

Sooooo, what is not to like? I’ll admit it’s a boring plan, and not all DIYers embrace it. But I love my boring plan and it’s exactly where the power of what we can do lies—after setting up our plan, we must be patient.

Collins writes much about psychology, for good reason. The power lies with us. It's not us versus the big intimidating stock market. With time and experience, we learn to be psychologically tough for long periods of time. In the movie Wizard of OZ, Glenda told Dorothy that she “always had the power to go home again?” It's the same for us investors. All of the features of a constructing a balanced plan remains under our control. It fairly easy to learn. But the hard part is the unfair and counterintuitive psychology. Thinking long-term is the best antidote. Over time the growth will pay enough of a return to meet or beat the inflation rate. Meeting or beating inflation is a simple, realistic goal, and psychological attractive. This book shows you how to like saving with minimal time and effort to discover the investing process.

Patience, psychology, and philosophy are a difficult sell. Many investing aficionados are more interested in the adrenaline rush and chasing the opposite sex than building wealth over time. The market is not something to conquer or control. It is simply made up of wonderful organizations of hardworking people, called publicly traded corporations. The author explains how to harness all of that positive corporate energy, and just flow with it, whether it goes up or down, and over time it goes up. The author addressed the tough sell challenge with elegance and subtle​ toughness.

The author discusses investment costs, taxes, tax-deferred retirement plans offered by employers, the retirement years and strategies to keep from running out of money. My favorite chapters are “Why I don’t like Investment Advisers” and “Some final thoughts about risk.” Financial advisers are an easy target with hundreds of reasons not to like. Most of us DIYers will never need a financial adviser, for two good reasons: Collins writes “Nobody cares about your money more than you do,” and “you can learn to manage your money yourself with far less cost and better results.” From my personal experience, knowing how to save investment costs alone was enough to pay cash for the Tesla Model S.

On the subject of risk, my favorite part, and I quote as the author was speaking to the zombie apocalyptics among us especially the financial media: “Major Armageddon extinctions events, like the asteroid that took out the dinosaurs some 65 million years ago, have happened about five times. So that’s about one every 10 million years or so. Are we really arrogant enough to think it’s going to happen in the geological eye-blink we’ll be around? That we’ll be the ones to witness it? No likely.” Economic Armageddon ain’t going to happen either.

There are a few minor omissions. The author is not well known, so he needs to talk more about himself about what he did. I felt like he had more to say as examples of his fears of risk and the mistakes he made. All of that would have made the book even more authentic and organic. What was the role of his wife? What exactly did the author and his wife do for a living? He did report that he worked as a financial analyst. So, was he in the financial industry? He did not explain why he had an overly aggressive portfolio for an individual in his 60s. He did not share his diversification plan, except that he doesn’t own international stocks (he explains why).

Consequently, I give him an A for telling us how to set up a portfolio and his rationale, but I give him a B for not showing what exactly he did and for how long. His rationale is spot on, but portfolio construction and asset allocation strategies and information can be found in many books (The Boglehead Guide to Investors, any book written by Jack Bogle or his followers, Ferri, Swedroe, Roth, and Bernstein).

• Some other minor items that I found perplexing. On page 246, he writes, “Save and invest at least 50% of your income.” What? I reread this again and again, and could not comprehend why the author wrote this. In my working career, I could not even contribute the maximum allowed in my 403(b) plan let alone save 50% of my income (No, I never had new car payments because I could not afford car payments and invest too). Yet, I reached financial independence at age 61. 50% of one’s income is overreaching and discouraging. Just start with what you can afford. For example, I started at age 37 with $200 a month in my 403(b), and that was a lot out of my meager income. But I kept it up for 24 more years.

• Back to his strategy about avoid international stocks. The author knows he will get pushback, and he probably has heard my argument for international investing many times. Diversification means investing in all available stocks, worldwide. So, let’s take advantage of these opportunities to invest in just one fund, the Vanguard Total World Stock ETF (VT). The author won’t have it. IMO, the author might be reflecting his age because he says that investing in the United States domestic market is enough diversification because of the worn-out global connections argument. He tries to offer valid reasons, but they are out-of-date, and one about excessive costs is flatly wrong. Vanguard's Global fund charges .14%. I don’t know about you, but that is inexpensive.

Also, I am 69 years old and old enough to remember my elders saying that is too risky to invest in foreign stocks. We are well into the 21st century and the world has changed. Don’t you think that international corporations want to grow and prosper too? Of course. Don’t you think opportunities for diversification have evolved for the better? Yes. I want as much diversification as possible to reduce equity risk, and reduce volatility. I might even get higher returns, but that’s not part of my expectations. The global index funds or ITFs make full diversification in just one investment a synch.

• Another minor objection is his downplaying the Roth IRA. I think he over complicated with trying to predict the tax rate to decide to use or not use the Roth IRA. It’s futile and a waste of time to guess the future. Not having to pay capital gains taxes after investing in the Roth IRA is one of the best strategies for us regular investors (You can run the numbers on a brilliant Excel program created by The Finance Buff). After running the numbers on the Excel program, you will be thoroughly convinced to include the Roth IRA in your plan.

• One last objection. I recommend to readers who don’t have a “lump sum” that is, a bundle of money to invest already, that you ignore the “Why I don’t like dollar cost averaging” chapter. I had to use DCA during my entire working career investing in my 403(b). Because I started from NOTHING and had less than $50,000 for years. If you have a lump sum to invest, follow the author’s advice. But I think I can speak for most investors who have little choice but to use DCA. His opinion about DCA was more discouraging than encouraging.

Collin’s strong opinions about some of his investment ideas represent more of his individuality than sound investment practice. Of course, the author never intended to be discouraging. I am just responding as a reader with a few of my opinions about his outstanding work. That’s perfectly fine for him as his opinions worked for him and they might work for you too. My opinions worked well for me. In the final analyses, he follows the “Boglehead” way. For that, I am delighted he wrote a great self-published book showing once again the work of the legendary investor, advocate, and teacher, Jack Bogle. Outside of these minor differences of opinion, Mr. Collins earned a well-deserved five stars.

In sum, if any author self-publishes a book about investing, I think it is important to readers to know that the message is organic—no other agenda item hangs in secret, other than to explain and lay out a simple plan which will connect with new investors and get them results.

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Sabtu, 11 September 2010

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Magickal Self Defense: A Quantum Approach to Warding, by Kerr Cuhulain

Master the energy all around you to become a true magickal Warrior. Based on Wiccan principles, this extensive guide combines quantum theory with warding techniques to provide you with a strong foundation in the workings of self-protective magick.

Discover how to cultivate full awareness of the energetic potential in the universe to achieve ultimate knowledge. Learn to redirect negative energy, focus your intention, reach backward in time to affect future outcomes, and protect yourself against psychic attack.

Perfect for either the beginning or advanced magickal practitioner, Magickal Self-Defense debunks old wives' tales and outdated myths, and teaches you the essential skills for taking control of your life. Take advantage of the pervasive field of universal energy to protect, strengthen, and empower your core self.

  • Sales Rank: #391378 in Books
  • Brand: Brand: Llewellyn Publications
  • Published on: 2008-02-08
  • Original language: English
  • Number of items: 1
  • Dimensions: 9.02" h x .51" w x 5.98" l, .68 pounds
  • Binding: Paperback
  • 240 pages
Features
  • Used Book in Good Condition

About the Author

A former Air Force officer, Kerr Cuhulain (Vancouver) has been a police officer for the past twenty years, and a Wiccan for thirty. He's served on the SWAT team, Gang Crime Unit, and hostage negotiation team. He travels throughout North America as a popular speaker at writers' conferences and Pagan festivals, and he has been the subject of many books, articles, and media interviews. He is the author of The Law Enforcement Guide to Wicca.

Excerpt. � Reprinted by permission. All rights reserved.

Psychic Attacks


All I’m trying to do is
not join my ancestral spirits just yet.

―Joshua Nkomo

A true “psychic attack” occurs when a person deliberately projects a clearly defined malicious intent upon someone else. This attack may affect the victim’s mental state, caus�ing stress, anxiety, and sleeplessness. This in turn affects the victim’s physical body, causing disease and, in extremely rare cases, even death, because the attack is affecting the victim’s nonphysical energy field. Psychic attacks range from short, sharp, highly emotionally charged onslaughts linked with a clear desire for negative consequences to extended, elaborate, rituals of negative magick. Whichever is used by the assailant, the principles of psychic self-defense are the same.

I’ve heard many people advance the argument that “the ancient warriors knew that any purely defensive battle is doomed, if it goes on long enough.” Usually this is a lead-in to an argument that “the best defense is offense.” Psychic self-defense books and articles are full of examples of psychic attack techniques.

During my twenty-nine years as a police officer, I learned how to defend myself and others without becoming aggressive. This was essential, as police officers are criminally liable for any excessive force that they use. The insights that I gained from this experience, combined with my thirty-nine years as a Pagan as well as my martial arts experience helped me to develop strategies that are as effective in psychic self-defense as they are in physical self-defense. You don’t need to attack in order to defend yourself from psychic attacks.

In the physical world the Warrior avoids getting into bat�tles. The Chinese general Sun Tzu taught us that “those who win every battle are not really skillful―those who render oth�ers’ armies helpless without fighting are the best of all.” I don’t want you to get into a psychic battle. Nor do I want you to enter into a protracted cycle of attack and counterattack between you and some cretin who doesn’t like you. I want you to win without going to war. Sending your own negative energy at your assailant can certainly affect them. Unfortunately, the effect often includes motivating the assailant to retaliate. The techniques that I will show you in this book are assertive with�out being aggressive. They will shut down the assailant’s attack and hopefully leave them unwilling and probably unable to attack you again.

Ormungandr, writing from his perspective as an �satr�ar, put it this way:

Psychic Self-defense is not about being isolationist or being afraid of the world. Nor is it making what we feel or think

As I pointed out in my earlier books, being a Warrior is not about using your hands; it is about using your head. It’s about taking charge of your life. We can find examples of this con�cept in all places and ages. Let’s look at some examples:

In the fifth century bce, the Greek historian Herodotus said that “where wisdom is called for, force is of little use.”

In the final ritual of the Masai manhood ritual, the senior tribal elders encourage the graduates to “drop your weapons and use your head and wisdom instead.”

In the seventeenth century ce, the Samurai philosopher Miyamoto Musashi wrote that the “trained martial artist . . . truly acts only in response to aggression. He does not seek it out. When made, his responses are nonresistant and nonviolent. He is a man of peace.”

Christopher Penczak advocates “compassionate defense” in his book The Witch’s Shield:

When you send harmful energy away, realize that there is no “away.” When you sever an unhealthy connection, you are still connected. We are all one in our uniqueness and diver�sity. Instead of severing, cutting away, isolating, or blocking the experience, seek to heal it. . . �It is easy to label the enemy as evil, but when we rise above the ego, we often realize that things are not as cut and dried as simple good and evil.?

Again, this book isn’t about being aggressive. It is about being assertive. There is nothing wrong with assertiveness if it comes from your center, without a desire to appear strong or make the other person appear wrong. Power doesn’t come from accu�mulating energy and/or defenses. True power comes from mas�tering your situation. Master yourself, and everything else in your life will take care of itself.

Part of taking charge of your life is taking responsibility for your life. As I mentioned in the introduction to this book, people have a very bad habit of seeking excuses for the prob�lems in their lives. Instead of recognizing that they’ve made a mistake or brought about an uncomfortable situation through their neglect or carelessness, they seek to find someone else to blame. They’d like to park the blame in the lap of some trickster god, some nasty elemental force of nature, or even fate. Many people try to attribute their misfortune to psychic attacks. Our misfortunes are often our own fault. The Wiccan Rede and the Nine Noble Virtues of �satr� teach us to take responsibility for our actions. Before you blame your misfortunes on a “psychic attack,” take a close look at yourself. It could be that you are the author of your own misfortunes.

The psychic attack situations (both real and imagined) that I’ve encountered over the years fit into one of four categories:

1: Local influences

The individual having problems may be located in an area where elemental forces are concentrated. Checking the local geography and consulting a map for nearby sites of power often reveals the source of the problem. Sensitivity to your sur�roundings forms the basis for psychometry and divination. If you haven’t trained yourself to deal with this sensitivity, it can cause problems for you. Natural or elemental forces are not “evil,” but they can exert a powerful influence on you.

Another possibility is that what you may be experiencing is leftover residue from novice or unskilled occultists in your area who are not grounding their energies properly after rit�ual. This is a possibility if rituals or magick were recently con�ducted at the location that is causing you the problems. I will speak about grounding such surplus energy in a later chapter.

The immediate effects of the energy field of such a loca�tion or object can be felt within twelve to thirty feet of its loca�tion. Lesser effects can be experienced out to between 100 to 300 yards from such objects, depending on your sensitivity. If your sensitivity to the location is the problem, then avoiding elemental areas such as ley lines or power centers may help, at least until you’ve learned how to deal with them. Urban dwell�ers often find that cities can create a “buffer” for elemental energy like this, but it comes at the cost of becoming discon�nected from powerful elemental forces that can be of great help to Pagans practicing magick. This is a problem if you are trying to connect to elemental energy, but can provide some protection to those who are overly sensitive.

If you are sensitive to the energy around you, then places where human suffering has occurred are locations for you to avoid. The problem should resolve itself if you remove yourself from the influence of the location or item involved. The nega�tive energy created by dramatic events dissipates slowly. The more traumatic the event, the longer its effects will linger in an area. Sensitive people in the vicinity will become aware of it in some way or another. For example, most people who visit the Auschwitz death camp can still feel the suffering of the people who were murdered there.

Examples of places with negative energy include casinos, sleazy pubs, family and bankruptcy courts, and criminal hang�outs. I sense a quiet desperation around such places. You may be sensitive to the nasty energy of constantly quarreling neigh�bors (especially in apartment buildings or condominiums). The anxiety surrounding the psychiatric wards of hospitals can also have a strong effect. If you must go to such places, keep your barriers up. As I’ve mentioned, my experience working the mental-health emergency services car for my police department gave me some experience with this.

This negative energy can be detected in all kinds of com�mon things in our everyday lives. Who made the clothes you are wearing, the house you live in, or the car you drive? What were these people thinking or experiencing when they made these things for your use? Were they manufactured by depressed, disgruntled, and impoverished people working in appalling factory conditions? Were some of those workers alcoholics or drug addicts? Did some of them leave work, go home, commit acts of violence on their wife and children, and build your car the next morning? Everything that we come into contact with can hold some of the thought energy of those who were in con�tact with it before you. If you are overly sensitive to such psy�chometric energy, then this can have a negative effect on you.

Negative energy can accumulate in a household, but there are many ways to deal with it. A clean and orderly house allows the energy or chi to flow properly and does not let negative energy accumulate. Negative thought-forms accumulate in messy environments. Squalor leads to depression. Physical gar�bage attracts psychic garbage. Messy environments resonate with the chaos represented by such disorganized states. An organized household fosters an organized mind. An organized mind is much more capable of defense than a disorganized mind. You do more than just emptying the garbage pail when you take out the trash.

Another possibility for sensitive people is the presence of curios, paraphernalia, or items once used in magick. Having these objects in your vicinity may cause adverse effects. Of course, if you really are under psychic attack, there is a pos�sibility that such magickal objects were deliberately left there. Objects in your vicinity that are unfamiliar are suspect. This is talismanic magick, a very old technique. The idea is that the object left in your vicinity will help to create a link with you through which your assailant can focus the attack. A talisman of some sort is made and then brought into contact with the victim. It may be placed in your house or a room that you fre�quent. It may be placed in your yard or buried in a path that you frequently use in your everyday work. I’ll explain in more detail in chapter 11 about how to deal with talismans and amulets used as links or point d’appui.

2: Human influences

By human influences I mean people directing negative forces at the victim. This isn’t always a conscious process. Deliberate psychic attacks are a comparatively rare occurrence. Even when they can be traced back to an individual, in most cases such “attacks” are unconscious: the “psychic assailant,” while pos�sibly aware of their ill feelings toward you, is actually unaware that they are sending negative energy and influences at you. There are many negative people out there, and some of them may have it in for you. Most of these people have no training in any magickal disciplines. They simply have a natural talent that allows them to project their negativity in your direction. Keith Randolph, in his article “Psychic Self Defense,” observes that “ . . . fierce, concentrated anger can trigger malevolent psychokinesis or bring an evil elemental into the picture, even if the human agent doesn’t know that such things are pos�sible.” On rare occasions there may be bonds between victim and assailant from past incarnations that facilitate a negative energy transfer between individuals.

The “psychic attack” that you perceive might be the energy thrown at you by extremists in your neighborhood fer�vently praying for the salvation of your soul. This could be an unconscious attempt to impose their will on you or a deliber�ate attempt to force you into the pews of their church by any means necessary. Many Pagans of my acquaintance would con�sider that negative magick. Fortunately most people in revealed religions such as Christianity and Islam are inclined to put out positive energy, not hateful energy.

One must consider the aggressor’s desires and their motives for attacking you. The aggressor’s perception of you or of their situation may be flawed. The aggressor’s anxieties may have no basis in reality. This is especially true if these anxieties arise from mental illness. Of course, real or not, this may not prevent the aggressor from feeling justified in initiating an attack. Of course, this flawed perception of the assailant may also make it difficult for you to identify them, as it may not be a perception that you are aware of. As the perceptions of the aggressor and victim can differ, the victim may have no understanding of the motives or scale of an unprovoked psychic attack. This is where it is important to let go and let your intuition guide you. I’ll have more to say about intuition and threat awareness in the next chapter.

3: Overextension

Overextension occurs when the victim has ventured beyond their capabilities in magick. Overextending yourself leads to problems. There is an old magickal adage: don’t open the door unless you know how to close (and lock) it. When instinct is at work, we experience emotional energy. Those new to New Age or Pagan pursuits often find themselves experiencing new things. These new experiences can often lead to unfamiliar feelings. Magickal training increases levels of sensitivity, which in turn makes you more susceptible to energy and emotions in your vicinity. The more experience you acquire, the more you will become aware of the previously undetected energy of oth�ers surrounding you. This might feel like a psychic attack to the uninitiated.

People attend Pagan festivals for various reasons. Some go to such gatherings in order to socialize, some to learn, some just to drum and dance. A lot of random energy is being gen�erated at Pagan gatherings. Think of this random energy as white noise or static. Some of the people creating this energy are new and/or untrained and not at all capable of controlling their personal energy. Even those who are trained sometimes forget about grounding and warding until something negative happens. When you are in close proximity to others, you will exchange energy with them unless you’ve done something to prevent this exchange. Direct contact such as hugs or hand�shaking enhances energy exchange. Such intimate activity usu�ally occurs between people who care for one another, and you know the pleasant feelings such positive energy exchange can bring. You’ve probably also experienced the unpleasant feel�ings that surround people who are disagreeable or negative. If the person you are in contact with has negative energy, then such contact may not be a good thing.

When you first attend large Pagan gatherings, you may get “psychic indigestion” from energy you are unused to. Pagan author Patricia Telesco warns that “as you begin to attend fes�tivals you’ll also start to notice that there’s a lot of psychologi�cal and spiritual drama that occurs at these events . . . typically in the last day or two of the gathering.” �Typical symptoms of this “overload” can include:

headache

nightmares

insomnia

anxiety

It is important to be aware of your health, energy levels, and emotional states at such gatherings.

4: Health problems

Health problems may occur when the victim is suffering from a pathological condition which opens their “aura,” allowing negative influences to get in. As I mentioned earlier, health problems can also occur when the victim is suffering from a mental disorder that gives them the false impression that they are under psychic attack.

At the outset of any investigation into a perceived psychic attack, one should always eliminate the possibility of psychosis and/or delirium due to a medical condition. Strong emotions such as fear can become conduits for negative energy. Drunks and addicts attract such energy. In turn they can exude a nega�tive energetic atmosphere that affects all those around them. This can lead to paranoia and fear. The paranoid victim starts hurling magickal thunderbolts at all manner of imagined

threats, which invariably causes even greater problems. The whole subject of “psychic protection” needs to be approached with caution.

At one time or other, everybody experiences one of these four situations. Keep these four scenarios in mind when you are trying to identify the source of the unpleasant energy you may be experiencing.

The psychic attacks that I will be teaching you to defend yourself against originate in the second category: human influences. As I pointed out, these psychic assaults can take the form of an overt attack from someone who is angry with you. They can take a more subtle and insidious form when somebody silently and secretly sends you negative thoughts and emotions or ill will, whether they are aware of it or not.

Negative psychic energy can “contaminate” you. It can deplete your energy. It can cause you mental, emotional, and physical distress. This, in turn, can prevent you from achieving your aims and objectives. Psychic attacks can cause physical, emotional, and mental disease. Later in this book I will teach you techniques to protect yourself against such attacks. Also, in a later chapter I will go into more detail about how your health affects your ability to defend yourself.

Negative energy is not something to be ignored. As you can see from the list of four influences above, there is a lot of negative and chaotic energy in the world around you, and it can affect you adversely if you aren’t cautious. It is certainly possible to harm another person with magick. If you do noth�ing but sit and dwell on your concerns, you’ll only make them worse. You need to take responsibility for your life. But I’m not urging you to become obsessive about defending yourself from negative energy. Psychic self-defense is about finding a way to balance the energy around you to lead a healthy, happy life.

Fear is what allows destructive magick to get a hold on you. Destructive magick can’t work on you effectively if you don’t fear it. Sometimes the lack of fear renders magickal attacks utterly impotent. To deal with psychic attacks you need to learn techniques like those listed in this book. The difficulty is that until you learn these skills, you will likely lack the con�fidence to use these defense techniques effectively. People fear the unknown.

To help the beginner deal with this, I am first going to teach you some simple techniques that you can use until you have developed sufficient power and confidence to do without them. You can think of these techniques as a form of armor, like the body armor a police officer wears on patrol. Armor can be overcome, but it does provide a level of protection against the consequences of the unexpected.

Later I will show you an approach to psychic self-defense that is based on using the attacker against himself. Those of you who have studied martial arts will recognize this approach, which forms the basis of push-pull techniques in Japanese arts like Aikido or Jujitsu and the hubud techniques in Escrima. I’ll show you how to redirect destructive energy directed at you back into the universal pool from which all energy comes.

Symptoms of Psychic Attack

Recognizing the symptoms is the first step in overcoming psy�chic attacks. The symptoms of a psychic attack vary from one individual to another. Symptoms include, but are not limited to, the following:

A feeling of weight pressing down on you while you are asleep or dreaming

Continuous and intensifying sense of oppression or fear while awake

Nervous exhaustion or wasting away when there is no medically diagnosable physical cause

Repetitive nightmares, which may ultimately make the sufferer reluctant to sleep. These nightmares may have themes such as:

Being chased or assaulted

Being confronted by some person or agency that feels somehow external to you

Forecasts of doom

A sense of foreboding

A sense of being watched or stalked when there is no one around

Physical manifestations, including in extreme cases:

Bruises

Obnoxious odors that come and go with no apparent physical cause. (These odors will be noticed by anyone who is around when they are present.)

Auditory effects: bell, snaps, clicks―often indi�cating something trying to manifest physically

Poltergeists

Fires

Fear and/or feelings of isolation

The intuitive or visible presence of a manifest thought-form or simulacrum (more on this later)

An inexplicable numbing, followed by paralysis, begin�ning at the feet and extending gradually up the body

Jabbing or prickling sensations, typically in the hands, feet, lower legs, or back

Rapid onset of constant choking or a feeling of suffoca�tion with no apparent causes

A real psychic attack is usually associated with a person or rela�tionship. If you start experiencing any of the symptoms above, the next thing you need to do is identify the source. There will be some sort of motivation that can be discerned in the details. People don’t usually consciously engage in psychic attacks unless they have a strong motivation: conscious psychic attacks are hard work. People don’t normally engage in such activity for trivial reasons. If the psychic assailant is unconsciously sending negative energy at you, it should still be possible to identify the assailant’s emotions and feelings that are fueling the psychic assault.

You need to pay attention to these symptoms. Psychic attack can lead to a negative state of mind and/or depression. Depres�sion, in turn, can weaken your defenses. Emotional, sexual, or magickal intimacy with others under attack can transfer some of the negativity from the victim to those around them. Nega�tive emotions like rage and anger can create and attract nega�tive energy. Thus it is important to recognize these symptoms and to take action in a timely fashion.

So far I’ve discussed the sources of negative energy and the symptoms of psychic attack. In the next chapter I will show you how to develop the safety awareness that will help you to identify the source and nature of such attacks.

Most helpful customer reviews

26 of 26 people found the following review helpful.
This book impressed me!
By Michael L. Emery
In a nutshell, this book not only covers how YOU might be the negative energy that's causing problems, it also covers the often forgotten truth that you should not SEEK the negative in order to "defeat it first" but rather prepare yourself so that the negative will have little or no adverse affect on you.
He covers things like grounding, and how a novice at spells/rituals can be sure there is no residual or excess energy left over that might affect others in the area...as well as how to deal with it when other novice do these things.

While some parts will seem "Yeah, yeah, heard all that already" it should not by dismissed; especially since knowing something does not mean you're actually applying it regularly. And the author "speaks" to the reader intelligently, versus talking down.

Personally, I found myself gaining new knowledge on almost every page.

8 of 8 people found the following review helpful.
Wonderful informative book !!!!!
By Christina - Corvi Inquisitio
Kerr Cuhulain as always writes wonderfully. I own two of his books already. I am halfway through this one. I recommend this book and any of his books to someone looking to learn about energy work. Cuhulain gives a down to earth informed understanding of chi, life force, in his words. He utilizes several different techniques and spares nothing in his straight forward way of writing. Also, he is one of the few authors I have come across that will issue warnings about various things someone may encounter while doing energy work and work in the craft in general.
Thank you Kerr Cuhulain for sharing what you have learned.

8 of 8 people found the following review helpful.
A must have
By NSlone
Another must have protection book for my growing library. I enjoy reading his works simply because his style is so entertaining and down to earth. He also tells the truth.

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Kamis, 02 September 2010

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From Psychic To Psychotic And Beyond, by Kerry Ann Jacobs

It was January 2009 in Wellington, New Zealand. I was 43 and overloaded with emotionally charged court cases as a sole family law barrister. I was missing my late grandmother. In my mind I called to her many times for her to visit me. She didn’t but she did visit my mother in her dreams. My mother said that she was calm and serene.

I began a path of psychic experimentation. I searched the internet for ways for me to increase my psychic awareness. I progressed to buying a crystal ball and images would unfold in front of me and then words started appearing. Soon I no longer needed the crystal ball, because full sentences were appearing before me on the ground. It was Wes my spirit guide communicating with me. He had been talking to me all along. When Wes started speaking to me in my head, he told me that he was my husband and he said: ‘I love you to bits’.

I was soon surrounded by spirits such as Marilyn Monroe, Princess Diana, Heath Ledger and Albert Einstein. We were doing everything together. I no longer needed anyone from the real world

But unbeknownst to me, there were dark forces that were awaiting me, where all my worst fears would be realised. I would experience demons, the afterlife and the darkness of hell.

  • Sales Rank: #639986 in eBooks
  • Published on: 2012-12-05
  • Released on: 2012-12-05
  • Format: Kindle eBook

Most helpful customer reviews

0 of 0 people found the following review helpful.
Marilyn O
By Marilyn O
While I can sympathize with their plight, I did not find there to be enough facts. It was more similar to what one would find in a magazine, not a book. Perhaps their being Australian, my being in the USA was the reason for this difference. I do respect their effort. Thank you for the opportunity to obtain and review.

0 of 0 people found the following review helpful.
I gave me some hope, however, I know mental help support is different in the US
By Darlene/gboro
I really liked the mothers prospective. she was able to get involve, but in the US we have the HIPI law.

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