Have you ever wondered how much some of your investments will be worth 10 years from now? How about 20 years? You can easily figure it out without using a financial calculator. Just use the Rule of 72. Let's say you invested $10,000 in a fixed annuity earning 6% a year. In 24 years, your assets will be worth about $40,000. How does it work? The Rule of 72: Divide the number 72 by the interest you earn, and it will give you the number of years it will take for your money to double. Using the above example, 72 divided by 6 equals 12 years for doubling. Since there are two doubling periods in 24 years, the original $10,000 would be worth $20,000 in 12 years, and $40,000 in 24 years. Using this same Rule, an investment earning 8% would double in about 9 years, and a 12% investment would double in 6 years.

“Quit Smoking” is the slogan of the hour. We all know that smoking is hazardous to health. It has very severe ill effects like respiratory problems, lung cancer, breast cancer, bronchitis, emphysema, reproductory problems, etc. It is thus the need of the hour that we should free ourselves from the clutches of the deadly disease. But it is not an easy task to actually quit smoking completely once a person has started it. Smoking makes a person its slave and he becomes addict to its use. Difficult but not impossible

With over 600 murals, San Francisco streets are a parade of vibrant and radiant murals that are painted on building walls and facades, fences, garage doors and more. The colorful Mission District is the epicenter of San Francisco murals with the greatest concentration of murals in San Francisco. The San Francisco Mission neighborhood's love affair with murals stems from the Mexican roots of the Mission District community. The Latino community began to move into in the Mission neighborhood in the 1950s and 60s. Early in the 1970s, resident muralists started following the traditions of the great muralists of the 1920s and 30s, perhaps the most famous of which was Diego Rivera. Discovering the murals of the San Francisco Mission District is discovering the hopes and passions, joys and tribulations of the people.

Did you know our unconscious mind makes up a huge 95% of our mind? Being the majority shareholder, the unconscious mind will determine the results you get. Conflict often occurs when you consciously think you want something and your unconscious mind has other ideas mainly because of its past programming based on the experiences you have had through-out your life. That is why sometimes you may have been motivated to strive for a new goal, small or big, and find yourself almost battling yourself and even self sabotaging. I know I have in the past. It’s because the conscious mind decides on the goal, but the unconscious mind doesn’t believe in it, or one is focusing on the wrong things to get that goal. Perhaps you feel some kind of inner conflict like part of me wants this really bad, but part of me doesn’t for whatever reason - it’s too hard, it’s scary, it means I don’t get that other thing I want. Perhaps you want to be an Olympian but part of you also wants to have a good time!!

Time? Energy? Possibility? Potential? WHOLENESS? Healing? What else is there? You? What about happiness? Time is the first component in life’s equation. Time, or the management of time, is short sighted when building a life of meaning and purpose. A life filled with potential and possibility requires more consideration than simply managing time. It requires an understanding of what ingredients are necessary. For example, if you use the wrong ingredients when baking a cake, the cake is a flop! Do not allow your life to flop! Do whatever is necessary to find your perfect recipe. Time + Energy = an understanding of what can and cannot be managed. Time cannot be managed. Time manages you. People cannot be managed. You are a person. Leaders lead people. Dictators push or suppress people. If you become the ruthless dictator of your own life (or allow others or circumstances to dictate you) you will become resentful and angry. Learn to become the admired leader of your own life’s energy and not brutal dictator of self.