Author: admin

It’s hard to resist that cute little lump of fur in the window at the pet store. Those big sad eyes just beg you to take them home with you. That soft fur asks to be caressed. When you pick up that adorable bundle of fur, a little wet tongue starts licking at your hand. It’s love at first sight and you can’t stand the separation. But wait…

…there are things you should consider before buying that cute little puppy.

The most important thing is to understand that you will be responsible for the animal for the rest of its life. Some dogs can live into their twenties, although this is rare, and you need to be there every day for your pet. You must provide food, shelter, exercise, and companionship for your pet at all times. If you travel or work long hours, it’s not a good idea to take responsibility for a pet.

Another thing to consider before buying a dog is whether your lifestyle will change drastically in the next few years. Many people get a pet when they are young and single, then get married, move houses, have children, change careers, or make other major lifestyle changes, only to find that their pet doesn’t fit in with the changes.

Before you buy the cute little puppy in the pet store window, you really need to know what breed of dog it is. That cute little bundle of fur could turn into Cujo. A large breed will eat a lot of food, and what goes in must come out.

Larger breeds will need more exercise than miniature breeds. Working breeds need exercise or they become destructive and frustrated. A border collie, if not exercised, will likely dig under the fence and wreak havoc on the neighbor’s cat. If your dog runs out into traffic, you are responsible for any accidents it causes, and could be seriously injured or killed. There are also heavy fines for stray pets.

If you want to be sure you have a healthy and healthy pet, it is always best to see the parents. I prefer to buy from a reputable breeder. You can get details from your local Kennel Club. Be sure to visit the breeder and check the conditions the dogs live in. If the animals are unhappy, nervous, overexcited, or dirty, it’s probably best to try somewhere else.

When you find a good breeder with healthy, happy dogs, you can be sure that your puppy will be healthy and have a good temperament. Many breeders like to keep in touch and can help you with any questions that may arise.

Having a pet is an important commitment. It’s important to know what you’re getting into. The rewards are certainly worth it, but you need to be able to properly care for and understand your pet’s needs. Do some research before you buy.

Death, taxes, and teen texting: these are the certainties of life. The tax code is too complicated for anyone to understand, and why teens can text all day but never write a thank you note is an unsolved mystery.

Death, on the other hand, is somewhat simpler. One day you are reading the newspaper and the next day you are in it. Let’s take a look at what happens to your property once everyone knows where to send the flowers.

First of all, and to the surprise of many people, most of your property probably does not end up in probate court. Only what passes will pass through the process. If you don’t have a will, don’t worry, the state has one for you. Of course, the state has never met you and doesn’t know how you want things distributed, but whose fault is it? Dying without a will is called intestate. You don’t want to die intestate. Go see an estate planning attorney and get cured.

Now that we’ve got that figured out, here’s how ownership passes.

Life Insurance and Annuities

Death benefits are paid to designated beneficiaries. Unless you name your estate as beneficiary, death benefits will escape probate. Generally, it is not a good idea to name your estate as a beneficiary. One reason is that the assets in your estate are available to creditors. Profits also take longer to reach your heirs. An heir has not yet been born who wants your money sooner rather than later.

If you are exposed to estate taxes, you may want to consider an irrevocable life insurance trust (ILIT). An ILIT keeps the death proceeds out of your taxable estate.

Life insurance companies used to send a check directly to the beneficiary. Today they are more likely to send a checkbook that the payee can access. Life insurance companies claim that this is more convenient for the beneficiary. Call me crazy, but I think they do it to keep the money a little longer. Most beneficiaries already have a checking account. Why would they want another?

Retirement Plans

Deferred Retirement Plans, including Individual Retirement Accounts, go through the beneficiary. The same rules apply to the surviving spouse that exist for annuities. Obviously it helps to have a surviving spouse. The people who wrote this tax code were probably married.

A Roth IRA also passes through the beneficiary, but has no income tax ramifications for the beneficiary, even if the beneficiary is not the surviving spouse. The people who wrote this part of the tax code were probably divorced, but they had many children.

If the taxes are due when they are received by a beneficiary, the taxes can be spread over multiple years using different techniques, including a “rollover beneficiary IRA.” See a financial planner to see what works for you.

Jointly owned property

Many properties, such as real estate, bank accounts, and brokerage accounts, are jointly owned. The most common form of joint ownership is “joint owners with right of survivorship (JTWROS)”. The surviving owner automatically gets the asset upon the death of another owner.

JTWROS should not be confused with another type of joint ownership called “tenancy in common.” Tenancy in common divides property into real parts and when an owner dies, he can will the property to whomever he pleases. Take a country house on the coast owned jointly by two married brothers. If one dies, he can leave his share to his wife and children. They can then continue enjoying their vacation by the sea. Naturally, as this passes from generation to generation, it creates a veritable nest of family rats, but if you can’t fight with the family over who gets the best weeks of summer, who can you fight with?

Property in your own name

Now we come to the property that passes by will. If you only own something that does not pass in the manner described above, it becomes part of your estate. For example, if you have a savings account in your name only, it goes through your will. Your will names an executor, a thankless but necessary job. It is up to the executor to take an inventory of his estate and eventually distribute it to his heirs.

Many people are establishing and financing “living trusts.” These trusts are established during your lifetime and funded with assets that would otherwise pass through a will. Since most people are their own trustees, control of assets is not an issue. Upon the individual’s death, the assets are placed under the control of a new trustee. Since the assets are already in trust, they escape the probate process. The assets are still subject to estate taxes because you controlled them during your lifetime.

That’s the basics. Consult a financial planner and estate planning attorney to work out the details. This is an area that is not fertile ground to do it yourself, and death does not allow mulligans.

The opinions expressed in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult your financial advisor before investing. All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested directly.

Technology has played a key role in making this world a Global Village. The process of globalization has allowed us to communicate trade, network and interact beyond borders. Globalization has integrated people from different cultures, nations, political patterns, and ideologies to work together for a common goal. Globalization has given birth to the notion of diversity and pluralism which is the strength of any company and nation. Without technology, the globalization process would not have reached its peak. In fact, globalization and technology go hand in hand in the modern age.

Globalization unleashes technology, which tunes companies to automate production, sales management and international marketing. Technology has changed the conduct of business and the social outlook of people through high-tech gadgets and technical devices. It has created convenience for our life just by clicking the touch panel.

Many IT companies go to great lengths to bring innovative products to market that meet current needs and create awareness of potential needs for which their products are fit for purpose. The invention of the iPad is one such example, with features like sending mail, calendar events, and notes that can connect with your friends and family, customers, and employees, moving your business and personal activities forward. With its secure and integrated business environment, it will keep you productive regardless of your physical office setup. So iPad, with its unique business and personal integration features, will keep you connected to the global world whenever and wherever you want.

The Apple company has devised a technical wireless device that has completely changed the concept of mobile phones. The iPhone with retinal display, multitasking, HD video recording and 5 megapixel camera leaves you with all the attention. The iPhone with its app and features allows you to stay up-to-date with the latest news and forum comments, shop online, and even download free books with the iBook app.

Gone are the days when companies have to spend cash on airfare or transportation to do small business or hold meetings with their clients and business partners. Even families and friends don’t have to wait long to arrange meetings with colleagues who live in remote areas. All of these can be well managed by Skype phone. Skype Phone offers a smarter way to do business. With conference calls, companies can manage their time and resources to conduct global meetings and deals with their stakeholders. Families and friends can connect with this feature. You can share your special events with video calls on Skype, making sure you don’t miss any of your precious moments. With video calls, your business can also thrive by sharing ideas, networking with colleagues around the world, interacting with new people, and saving travel time and costs involved.

Technological advances in the invention of high-tech gadgets have made people’s lives convenient and have also raised people’s living standards. On the one hand, it has provided a way to store information in the longer term, and on the other hand, it has influenced the life of the common man by keeping him well equipped with international affairs.

hausgemachte Sexpuppe

Eine sexuelle Puppe zu Hause zu machen, kann für Sie und Ihren Partner Spaß und aufregend sein. Diese Sexualpuppe hat kein Skelett und kann nicht viele Geschlechterpositionen ausführen. Die Puppenarme können über den Arm eines Stuhls, auf Ihrem Schoß oder einem Missionarstil gehalten werden. Dieses Tutorial zeigt Ihnen, wie Sie ein hausgemachtes Sexspielzeug machen.

sexpuppen kaufen

Um die Beine einer Homade-Sex-Puppe zu erstellen, können Sie alte Badetücher verwenden. Versuchen Sie, dickere Handtücher für die oberen Beine zu verwenden. Sie können auch Klebeband verwenden, um die Handtücher zusammenzuhalten, aber achten Sie darauf, nicht zu viel Klebeband zu verwenden, oder die Form Ihrer Sexualpuppe wird sich ändern. Sobald Sie die Beine gemacht haben, können Sie die Füße am Ende des Handtuchs befestigen.

Um die Brüste zu erstellen, können Sie entweder die Ballons mit Wasser oder Schaum füllen. Letztere wütend wie eine natürliche Brust, wird aber anfälliger, um zu knallen. Eine hausgemachte Sexualpuppe mit wassergefüllten Ballons ist nicht so realistisch, aber es wird realistischer aussehen. Sie können den Kopf auch temporäre Tätowierungen hinzufügen. Ein DIY Sex-Spielzeug kann so realistisch sein, wie Sie möchten.

So machen Sie eine hausgemachte Sexpuppe

Als nächstes können Sie die Beine Ihrer hausgemachten Sexualpuppe erstellen. Sie können ein Badetuch verwenden, um die Beine herzustellen. Das Oberschenkel sollte dicker sein als der untere. Sie können das Handtuch um die Beine wickeln und die Enden miteinander kleben. Befestigen Sie schließlich die Füße am Ende der Handtücher. Verwenden Sie mit einem Sicherheitsnadel oder einem Thread die Puppenbeine und befestigen Sie die Füße.

Sie können einen Dummy oder eine Statuettes in einem Einkaufszentrum kaufen. Sie können auch Ihre eigene Sexualpuppe machen, indem Sie einen alten Dummy verwandeln. Dummies sind jedoch keine große Wahl für den Hausgeschlecht, weil sie neigen, um rutschig zu sein, steife Verbindungen zu haben und die Weichheit einer echten Frau fehlt. Es wird ein lustiges, sexy Geschenk für einen geliebten Menschen sein.

Beginnen Sie, indem Sie den Catsuit entlassen. Dies gibt Ihnen Zugang zu den Bein- und Armlöchern. Legen Sie die Handtücher in die obere Hülse des Catsuits. Dann drücken Sie die Handtücher, bis sie fest anliegen. Sobald Sie die Arme und Beine geformt haben, sind die Puppen Gesicht und der Körper abgeschlossen! Sie können verschiedene Arten von Handtüchern für verschiedene Teile der Puppe verwenden.

Das Sexual-Puppen-Skelett besteht in der Regel aus harten Edelstahl und unterstützt den gesamten Körper. Es ahmt die menschlichen Gliedmaßen und des Körpers mit dem Skelett nach. Es ist wichtig, eine Form zu wählen, die in Ihre Sexualpuppe richtig passt. Je realistischer das Skelett, desto besser. Sie können auch ein Set erwerben, das billiger und dauerhafter ist. Sie können sogar fertige Hände und Füße kaufen, um das Aussehen Ihrer hausgemachten Sexualpuppe zu beenden.

When we talk about debt, we often think of the total amount we owe regardless of how it was accumulated or to whom we owe it. Payday loan debt included. While some of us may define being in debt from our home mortgage or student loans, for others the debt may be determined by our past financial mistakes. It doesn’t matter how much we owe, how long it will take to pay it off, or how we got there… it’s all considered debt. Only when we look at each type of debt individually can we understand all the different types of debt that exist. That’s when we can respect the fact that whether we owe $1 or $1 million, to the family or to the payday loan lender, we are expected to repay what we borrow because it’s all considered debt.

*Mortgage Debt~ This type of debt is defined as a first mortgage on a home, a home equity line of credit, or any other type of loan secured by property or real estate. A bond will be placed on the property until the loan is paid off. This type of debt can come with an adjustable rate mortgage (ARM) that will increase over time over a fixed rate that stays the same for the life of the loan. With a home equity line of credit, which can also be considered a “second mortgage,” the lender receives repayment only after the first mortgage is paid in full. The average payment term for a mortgage or line of credit is 15 or 30 years, but 10-year ARMs are also available.

* Car Loan ~ Incurring debt on a car loan means borrowing a fixed amount for the purchase and then paying it off over a fixed period of time with a monthly payment (usually 24-60 months). The interest rate will be fixed for the life of the loan unless the borrower decides to refinance for a lower monthly payment.

* Payday Loan ~ Payday loans are temporary, short-term loans intended to help people with emergency financial problems or unexpected costs. They are not guaranteed without the need for collateral to be approved. Most lenders do not ask for a credit history. Borrowers are expected to pay off their loan with their next paycheck, but many times payday loan lenders will extend a person’s pay period. Interest rates are higher than most loans and are fixed. Loan types are best for people who can pay off their loans quickly.

*Student Loan~ Most often issued by the federal government, this type of debt is used for higher education. Interest rates are typically much lower than other forms of debt, and repayment periods are typically 10 years, giving the borrower plenty of time to graduate, find gainful employment, and pay back what they borrowed. These loans can have extremely high balances depending on where the borrower went to school, how many years it took them to complete their education, and how many degrees they pursued.

*Credit Card(s)~ This type of debt comes from the purchase of goods and services without having to pay in advance. Creditors approve cardholders for a specific amount that they can use on a rotating basis as long as they make their monthly payment on time and for at least the minimum amount required. Interest rates are based on the borrower’s credit score and can be some of the highest rates paid on all forms of debt.

While borrowing on credit can be a good and sometimes necessary financial asset, it’s important to understand how each type of debt works and what’s best for your individual financial situation.

If there is a phone that arrived and instantly became a sensation, it is without a doubt the iPhone from Apple Inc. A product of Apple, the most trusted and innovative brand in the world, the iPhone truly took the markets in stride and never looked back. since its launch in 2007. Apple’s iPhone reached the zenith of success in the shortest period of time despite belonging to the high price band, it has been proof enough that if the product is correct and innovative, the obstacles of price cannot be an obstacle to achieving instant success. .

Apple’s most distinctive product quality has always been excellent user experience and simplicity in design, and that’s what makes it so remarkably different. At a time when the market was crowded with fast selling brands like Nokia, Sony, Motorola etc. iPhone came with the most innovative concept of touch screen technology that was easy to use and easy to access. Although the touchscreen has been in use for the last few decades, its use was limited to specific technologies, but the iPhone managed to provide the broadest platform for this touchscreen technology by making the phone fully touchscreen-enabled. The simple and innovative design without too many buttons and distractions of the iPhone became an instant hit and star in the eyes of the users and the craze became so high that people started queuing at the stores before the launch of the iPhone. new versions and the same has remained for the nine generations of iPhone released to date. Simple board design, interactive interface, own OS, high speed, big camera, exclusive and the largest IOS app store are some of the features that have always made iPhone stand out from the crowd and keep its exclusivity.

Apple is launching its new iPhone 7 and its 7s variant this year and the hype around the phone and its technology has already started. People, as always, are curious about the new techniques that will be used in this iPhone installment and the particular features that will adorn it.

iPhones have always managed to provide faster speeds even with low RAM due to their advanced ICs and technology and with the iPhone 7 and 7s the trend is expected to continue. With a high-resolution 12 MP primary camera and a 5 MP secondary camera, this phone will be a selfie lover’s delight. Siri, the intelligent personal assistant, one of the most innovative and distinctive attractions of the iPhone, is expected to be more advanced with natural language command and dictation, and therefore interacting with the phone will be much simpler than ever.

Apple iPhone price

どんなラブドール会社がカス

だから、あなたはあなたの子供やあなた自身のためにカスタマイズされたラブドールを手に入れることに決めました。どの会社が最適かをどうやって知るのですか?カスタムメーカーを選択する方法と、プロセスから何を期待するかを次に示します。ほとんどの企業はシリコーンとTPE人形を専門としていますが、両方に利用できるカスタムオプションもあります。これらの人形はかわいくて本物そっくりであるだけでなく、何年も続くでしょう。しかし、彼らは少し特別な注意が必要です。

www.hydoll.jp

XY DOLL:XY DOLLは、中国の東莞に拠点を置く高級ダッチワイフメーカーです。同社はアジアンフェティッシュを専門としており、カスタムドールで最も人気のある会社の1つです。人形の身長は通常140〜170cmで、セクシーな白い体と深い胸でデザインされています。これらのカスタムラブドールの頭と体は非常にリアルで、アジアのフェティシストの間で人気があります。

カスタム人形は高価ですが、投資する価値があります。彼らは本物のラブドールほど耐久性はありませんが、少数の賢い顧客はそれほど費用がかからない偽の製品を選ぶでしょう。言い換えれば、安価な模倣品は長続きしません。そして、あなたは最終的にそれらの代金を払うことになります。したがって、最良の選択肢は、信頼できる有名なブランドを選ぶことです。必ず偽造防止コードを探し、確認のために製造元に電子メールを送信してください。

どんなラブドール会社がカスタムメイドの人形を持っていますか?

もう1つの高級ダッチワイフメーカーはJYドールです。中国の東莞に拠点を置き、アジアのフェティッシュ市場に焦点を当てています。彼らのアジアのラブドールは身長約140cmで、白い肌と大きな胸があります。これらの人形の多くは、モデルの顔の自然な美しさにマッチする繊細な顔の特徴とメイクでうまく設計されています。アジアや韓国の恋人へのプレゼントにも最適です。カスタムのラブドールでお二人を近づけることができます。

ラブドール業界は偽物でいっぱいなので、カスタムメイドのダッチワイフを探しているなら、どのブランドを買うべきかを知る必要があります。一部のブランドは他のブランドよりも優れていますが、評判の良いブランドで買い物をするのが常に最善です。彼らはあなたの購入の品質を保証し、あなたの赤ちゃんを幸せにします。製品の出所を知ることも重要です。美しいラブドールを作った歴史のある会社もあるので、ぜひチェックしてみてください。

高級ダッチワイフメーカーはJYドールです。中国の東莞に位置し、アジアのフェティッシュ市場に焦点を当てています。同社は身長140cmから170cmのアジアのラブドールを専門としています。彼らのラブドールは白い肌と大きな胸で有名です。青と緑を含む15の異なるオプションのリストから目の色を選択することもできます。

Tiny Lifelike Sex Doll

Investing in a tiny lifelike sex doll is a wonderful way to spend quality time with a partner. These toys are designed to mimic the feel of human touch and are more believable than ever. They’re cheap and can be easily stored. You can even take your little lifelike sex doll with you when you go out on date night. To get the best experience, purchase a sex toy that mimics the sensation of sex.

tiny sex dolls

A miniature lifelike sex doll is the perfect size to use in private or with friends. It’s not too expensive and you can even buy one for a friend or family member. Most real sex dolls are at least 65 cm (2.13 ft) tall. They’re available for as little as $20 or so. There are many benefits to owning a miniature lifelike sex toy.

There are many benefits to owning a miniature sex toy. Unlike a full-sized sex toy, a mini one will not actively solicit attention or demand anything from others. Rather, it will satisfy your sexual needs whenever you need to. The tiny sex toy is highly customizable – it can be a family member or any other role. The doll is affordable and easy to carry.

Benefits of Owning a Tiny Lifelike Sex Doll

These dolls can be expensive, but they can make a great gift for a special someone. They’re a fraction of the cost of raising a real girlfriend. They’re also smaller and more realistic. The petite doll is an ideal choice if you want to impress your significant other with your passion. If you’re not willing to spend a lot of money on a real life partner, a sex toy will fit into your budget.

A tiny sex toy is more compact and portable than a high-quality large-sized sex toy. The mini sex doll is more likely to fit in your hand, making it ideal for travel. It’s also more affordable than its larger counterpart. The mini sex doll is much easier to clean and store. In addition, it is easier to carry around and is much more portable. If you’re traveling a lot, a mini sex toy is the perfect companion.

Another benefit of a tiny sex toy is that it’s easy to carry around. Unlike full-size dolls, these dolls can be used anywhere. They are lightweight and easy to move. They’re also more affordable than full-size dolls. It’s easy to take them on business trips and on vacation. You can also take them to the bar with you. The mini size is perfect for your first sex toy.

Because the tiny sex dolls are more portable, they’re ideal for traveling. A mini sex doll is lighter than a full-sized one. It’s also much easier to store. Most miniature sex dolls are small enough to fit into your purse. They weigh only 15 kg. They’re more compact than a full-size sex doll and are easy to move.

INTRODUCTION

Early on, Dale Carnegie (November 24, 1888 – November 1, 1955) made a living teaching adult classes at New York night schools. He realized that one of the biggest problems for these adults was worry. He wrote his book by reading what philosophers of all ages have said about worry. He also read hundreds of biographies, from Confucius to Churchill. According to him, we will not find anything new in his book, but we will find a lot that is not generally being applied in our daily life.

THE CONTENT

Carnegie wrote his book in eight parts. Let’s go through them all, and for the purpose of this article, I’ll share a story taken from each Part.

PART I: Basic facts you need to know about worry

For this story, the subtitle “Living in a watertight compartment a day” was given. Just live each day until bedtime.

It was about a housewife in Michigan who had lost her husband due to illness. She was very depressed and almost penniless. She then wrote to her former employer and got her job back selling World Books to rural and urban school boards. She thought that getting back on the road would help ease her depression; but driving alone and eating alone was almost more than she could bear. She discovered that the schools were bad and the roads were in poor condition. It seemed that success was impossible.

Then one day, she read an article that lifted her spirits and gave her the courage to go on living. There was an inspiring phrase that said: “Every day is a new life for a wise man.” She typed it up and taped it to the windshield of his car where she could see it every minute as he drove. Since then, she told herself: “Today is a new life.”

He had managed to overcome his fear of loneliness and his fear of loving. She was happy and quite successful then and she had a lot of enthusiasm and love for life. She then she knew that she could live one day at a time.

PART II: Basic Techniques for Analyzing Worry

It was an insurance man. When he started selling insurance, he was filled with boundless enthusiasm and love for his work. Then something happened. He got so discouraged that he despised his work and thought about quitting. Then one Saturday morning he sat down and tried to get to the root of his concerns. He began to ask himself the following questions:

What was the problem?

He wasn’t making a high enough profit for the staggering number of phone calls he made.

What was the cause of the problem?

He did pretty well selling a prospect, until it was time to close a sale. Then the customer would say, “Well, I’ll think about it, sir. Come see me again.” The time wasted on these follow-up calls that were causing her depression.

What were all the possible solutions?

He checked his log book for the last twelve months and studied the figures carefully. She made an amazing discovery! He discovered that 70% of his sales had been closed in the first interview! Another 23% of their sales had been closed in the second interview. And another 7% had closed in those third, fourth, fifth, etc. interviews. He concluded that he was wasting half his workday on a part of his business that was responsible for only seven percent of his sales!

What was the best solution?

He quickly made the decision to immediately cut off all calls beyond the second interview and spent the extra time developing new prospects.

PART III: How to break the worry habit before it breaks you

This part of the book asked us to use the Law of Averages to ban our worries.

One summer, a couple went camping in the Touquin Valley of the Canadian Rockies, some 7,000 feet above sea level. One night, a storm threatened to destroy his store. The outer tent shook and shook and screamed and shrieked in the wind. The wife was terrified and she looked forward every minute to seeing her tent ripped up and thrown through the sky.

But her husband kept saying, “Look dear, we’re traveling with the guides from Brewster. They know what they’re doing. They’ve been pitching tents in these mountains for sixty years. This tent has been here many seasons. collapsed and, by the law of averages, it won’t vanish tonight, and even if it does, we can take shelter in another tent. So relax…” The wife did; and she slept soundly the rest of the night.

We should ask ourselves, “What are the chances, according to the law of averages, that a particular event we care about will ever happen?”

PART IV: Ways to cultivate a mental attitude that will bring you peace and happiness

We need to understand this important Rule: Instead of worrying about ingratitude, expect it.

A Texas businessman was bitter that his thirty-four employees didn’t say “Thank You” to him after receiving a bonus of about $300 each for Christmas.

According to Carnegie, instead of wallowing in resentment and self-pity, that man might have wondered why he didn’t get any appreciation. He maybe he underpaid and exaggerated his employees. Perhaps they considered that the Christmas bonus was not a gift, but something that they had earned. Perhaps he was so critical and unapproachable that no one dared or wanted to thank him. Perhaps they felt he gave the bonus because most of the profits went to taxes anyway.

On the other hand, maybe the employees were selfish, mean, and rude. It can be this or it can be that. According to Carnegie, this man made the humane and distressing mistake of expecting gratitude. He just didn’t know human nature.

PART V: The Perfect Way to Conquer Worry

Carnegie wrote in his book that one day, when his father returned from Maryville, where the banker had threatened to foreclose on the mortgage, he stopped his horses on a bridge that spanned a river, got out of the cart, and stood for a long time looking down. . the water, debating with himself if he should jump in and end it all.

Years later, Carnegie Sr. told him that the only reason he didn’t jump was because of his mother’s deep, abiding, and joyful belief that if we loved God and kept His commandments, all would be well. Mother was right. Everything worked out in the end. My father lived forty-two more happy years and died in 1941, at the age of eighty-nine.

PART VI: How not to worry about criticism

A national sensation was created in educational circles due to an event that occurred in 1929. Learned men and women from all over the Americas flocked to Chicago to witness the affair. A few years earlier, a young man named Robert Hutchins had worked his way up to Yale, acting as a waiter, lumberjack, tutor, and clothesline salesman. Now, just eight years later, he was taking over as president of America’s fourth-richest university, the University of Chicago. He was only thirty years old. Amazing! Criticism roared down on this “child prodigy” like a rockslide. Even the newspapers joined the attack.

On the day he took office, a friend told Robert Maynard Hutchins’ father, “I was shocked this morning to read that newspaper editorial denouncing your son.”

“Yes,” answered the elder Hutchins, “it was severe, but we must remember that no one kicks a dead dog.”

Yes, and the more important a dog is, the more satisfaction people get from kicking it.

Carnegie added that when you are kicked or criticized, remember that it is often done because it gives the kicker a feeling of importance. It often means that you are achieving something and deserve attention. Many people get a sense of wild satisfaction from denouncing those who are better educated or more successful than they are.

PART VII: 6 ways to prevent fatigue and worry and keep your energy and spirits high

Dale Carnegie listed the following six ways in his book:

Rest before you tire; Learn to relax in your work; Learn to relax at home; Apply good work habits (clear your desk of all paper except those related to the immediate problem at hand; do things in order of importance; when faced with a problem, deal with it right then and there if you have the facts you need to make a decision ). decision; and learn to organize, delegate and supervise); To avoid worries and fatigue, put enthusiasm in your work; and Remember that no one ever died from lack of sleep. It is the worry about insomnia that does the damage, not the insomnia itself. If you can’t sleep, get up and work or read until you feel sleepy.

PART VIII: “How I Overcame Worry”

In this last part of the book, Carnegie listed 31 true stories. In this review, she would choose a story, entitled “I lived in the garden of Allah”. He was an English gentleman from a wealthy family in Britain. After leaving the British Army in the early 20th century, he went to northwest Africa and lived with the Arabs in the Sahara, the Garden of Allah.

He lived there for seven years, learning to speak the language of the nomads, wearing their clothes, eating their food, and adopting their way of life, which has changed little over the centuries. He also made a detailed study of the religion, Islam, and in fact later wrote a book on the Prophet Muhammad, peace be upon him, entitled “The Messenger”.

He observed that nomads take life so calmly and never rush or sulk when things go wrong. They know that what is ordered is ordered; and no one except Allah can alter anything. However, that does not mean that in the face of disaster, they sit back and do nothing. This is illustrated below.

One day there was a fierce and fiery sirocco wind storm in the Sahara. He howled and screamed for three days and three nights. It was so strong, so ferocious, that it carried sand from the Sahara hundreds of kilometers across the Mediterranean and sprayed it over the Rhone Valley in France. But the Arabs did not complain. They shrugged their shoulders and said, “Mektoub!” which means “It was written”.

But immediately after the storm was over, they sprang into action, slaughtering all the lambs because they knew they would die anyway. After the lambs were slaughtered, the flocks were driven south to drink. All this was done calmly, without worries or complaints or regrets for their losses. The chief of the tribe said, “It wasn’t that bad. We could have lost everything. But praise Allah, we have forty percent of our sheep left to start over.”

Several years after leaving the Sahara, he still maintains that happy resignation to the inevitable that he had learned from the Arabs. That philosophy has done more to calm his nerves than a thousand sedatives could have.

CONCLUSION

In our day to day life, in the fight against worry, I believe in the principle of “Care less about what others think, say and do”.

Regardless of whether you are the employee or an employer involved in a Bureau of Labor and Industries (“BOLI”) complaint process, it can be perplexing. The best way to deal with your concern is to fully understand your rights, responsibilities, and the process in general. The following is a guide to the different parts of a BOLI complaint.

Step one: the complaint

The employee usually contacts BOLI by phone and speaks with an intake officer. If BOLI determines that the employee may have a factual basis for a complaint and the complaint is timely (generally within one year of the action that forms the basis of the complaint), a questionnaire is sent to the employee. Once the questionnaire is returned, the intake officer drafts a discrimination complaint which is then signed by the complainant. BOLI then opens a case and assigns a case number and a Civil Rights Principal Investigator. If the basis for filing is covered by federal and Oregon law, and the complaint meets EEOC guidelines, the complaint is automatically “dual-filed” with the EEOC.

Step Two: The Employer Is Notified

The employer will be notified that a charge has been filed with BOLI and/or the EEOC and provided the name and contact information of the investigator assigned to the case.

The letter will also indicate when the employer’s response to the complaint is due, usually 14 to 21 days, but sometimes this time frame can be extended.

Step Three: Document Production

BOLI will request the relevant documentation of the allegation and defenses of both the employer and the employee. Typically, this will include personnel file, text messages and/or emails between the claimant and the employer or other personnel, as well as anything the employee can use to prove their claim or anything that the employer can use to deny claims.

Step Four: Position Statement

Within 14 to 21 days, the employer must submit a “Position Statement.” It is “mandatory” although the employer has the option not to respond, but if the employer does not, BOLI will make a factual determination based solely on the information provided by the employee. A position statement sets forth the employer’s perspective on the incident and should address each of the employee’s claims and correct any factual errors in the employee’s complaint.

Step Five: Telephone Interview with the Employee

After the employer provides a position statement, the employee will be contacted for a phone interview. The interview covers each discriminatory act declared in the complaint and its date of occurrence. The employee must be able to tell the investigator how each discriminatory act is related to his or her protected class(es). The investigator may request the employee to provide the following information: identify witnesses capable of substantiating relevant facts; identify comparators (other employees or individuals who, in a situation similar to yours, were treated the same or differently from you by the respondent); provide copies of any relevant documents in his possession or available to him (the investigator may ask him to make reasonable efforts to obtain certain information, such as medical records or unemployment hearing transcripts); and, describe the details of any relevant documents that are not available to him.

(Optional) Step Six: Fact Finding Conference

During an investigation, the investigator may require attendance at an investigation conference. The purpose of a fact-finding conference is to identify points of agreement and disagreement and, if possible, to resolve any disputes and resolve the complaint.

Step Seven: Completing the Investigation

Once the investigator completes his investigation, the information is transmitted to the BOLI Division Management. If the Division finds substantial evidence of a violation, a formal Substantial Evidence Determination notice is issued and BOLI will likely attempt to mediate a settlement. If no violation is found, the Division dismisses the case and notifies the complainant and respondent of the dismissal.

Finally, once the case is closed, the complainant is provided with information about the possible right to bring a civil action in court.

© 8/31/2018 Hunt & Associates, PC All Rights Reserved.