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[Y30]You Are Your Worst Enemy
by Keith Shaw, Kei
Who am I talking about?

For example, you may have recently observed someone at the office complaining to everyone within earshot about how "someone did them wrong...again."

Or maybe you saw on the evening news, during the holidays, people in a fist fight over the last sale item at the local department store.

Or perhaps you read in the newspaper, about the woman who became angry when she was politely asked to move her illegally-parked car in front of a nightclub. She proceeded to run over people while they stood in line when she crashed her SUV through the front door of the club in protest.

The people I am referring to in these examples are governed by the "self".

I sometimes call these types of individuals, "Sandpaper People", as they always rub us the wrong way (of course you may have your own definition that we can not reprint here!). If we do not work to build self mastery and self control within ourselves, being around Sandpaper People can cause us to feel as if we were rubbed "raw", stressed, demoralized and more.

Why do we experience these emotions and "false beliefs" that are caused by the "self"? Is it because we are weak? In order to better deal with these situations we must first understand why these people act as if they are the only people in the world.

When you are governed by the self and your feelings of self importance, any time that your selfish comforts are threatened, chances are you will quickly show your irrational, emotional side. Because you are so deeply intent upon defending and guarding your own selfish interests, you believe that you are justified in doing anything to protect them, no matter how dramatic your actions.

The people that I talked about (all real world stories!) in these three examples do not understand that they are their own worst enemy. They continually scheme as to how they may protect themselves against their perceived enemies and use up their precious power. People who are emotionally attached to their possessions and wrapped in their own "self" regard the loss of not only minor things, like in the examples, but also wealth, comforts or material possessions as the worst tragedies that could ever occur to them.

It is a human condition, and easy for people, when all is going well and they have the enjoyment of all their possessions, to persuade themselves to believe in and adhere to the principles of peace, brotherhood, and universal love. However when their enjoyments are threatened, or they imagine they are threatened, they show a belief in, not peace, brotherhood, and love, but selfishness, prejudice and hatred.

It is the toughest, most challenging times of crisis that decide who the people of self are and those of true power. The threat of disaster, ruin, and discrimination are some of the challenges in life that truly identify those with self control from those who are self centered and weak.

Do these two exercises to see how you have acted and reacted in challenging times...

#1) Close your eyes and remember the time(s) when things in your life were going well. Perhaps it is the present time. Perhaps it was in a time in your past. I want you to be honest and evaluate the way you ACTED. Look within yourself to recall how you treated other people. Did you feel peace, happiness and "one" with the world? Did you hold to and live by the principles of respect for others (animal and human), brother / sisterhood, universal love and kindness towards other living beings?

#2) Next, think of a time when things were not going quite so well. Perhaps your possessions were threatened or you imagined they were threatened. You may have lost a promotion to someone else or your job was phased out. I want you to be honest and evaluate the way you REACTED. Did you react with selfishness, prejudice, hatred or other negative emotions? Or what about a minor incident where you were cut off in traffic or you spilled coffee on your new shirt. Or the weather was bad. Or my favorite - the person who beats up their spouse or loved one, because their favorite sports team lost the game - "Hay dios mio!"

When you have developed your power, you will look upon incidents in your life as comparatively insignificant. In contrast, the loss of your character and essence is the only occurance that can ever be called a calamity. When you have the power of your principles you are a calm, determined, in-control person under all circumstances - even when threatened with the loss of every possession, even to the loss of your reputation.

Mother Teresa said, "If we have no peace, it is because we have forgotten that we belong to each other."

There is no way to build spiritual power except by inward reflection and enlightenment. It is by constant practicing, and application of your principles that you continue to learn and grow.

Here's to your personal growth!

Copyright (c) 2008 Mind Body Spirit Central, LLC

When applying for loans, credit cards, or even trying to lease a new apartment your credit score is the major determinant of how well you will fair. Ironically very few people know what their credit score is and are not aware of the fact that they may be doing various things to hurt their credit score. If a high credit score is important to you, and it should be, beware of the following things to keep your credit score in check.

Have you ever had one of those months where everything seems to pile up and you just can't make ends meet? You take a look at what you owe, who you owe it to, and finally decide that the credit card payment is going to have to wait until the next check. Not even that, lets cay you just forget to make your credit card payment on time. This is the first and most common mistake: missing payments or making late payments. If you know it or not every time you make a payment to any of your lenders, they report what amount you have paid, and whether you were on time or late. If your late basically consider it much like getting a test question wrong, your credit score drops. In addition, they will report how late you were, and your record of “lateness” will be represented on your report. Now you want to get a loan for a new car and the dealer pulls your credit report and your credit score shows you were late X amount of times last year. Put yourself in his shoes. If you lend your buddy $20 and he pays you back immediately you will lend him money again but if you have been waiting for that $20 for over a year next time he asks you're not going to be as keen on it are you? If it's clear that you have a habitual pattern of paying your bills late, they will think twice about lending you money.

Second, this is another one people never consider will hurt their credit report and I know when you read this you will realize you are guilty of it. If you get a mailing promoting a 0% credit card or a new great rewards credit card and figure you could use another card do you apply for it? Well if you do you could be docking your credit score yet again. Every time you submit an application for a credit card or apply for a loan the credit agencies are notified of your credit report being pulled and checked. If this happens too many times it will undoubtedly hurt your credit score. The credit agencies will look at those inquiries as attempts to get credit or a loan and if those don't follow the inquiry it reflects poorly because it seems as though you're not getting approval. No one (except the credit reporting agencies) knows the formula for how many inquires will hurt your report, but the general rule of thumb is simply not to apply for credit unless it's absolutely necessary.

Lastly is another tip to look out for that I am sure most people don't really think about and that's leaving credit cards on your credit report. I know it's the opposite of what you have been taught but let's think about it. If you have a credit card on your credit report that has been paid on time every time it's a star on your credit report. Removing it would dock your score believe it or not. Of course credit scores favor accounts that are active so try and keep charging small items and paying them off regularly to maintain this benefit on your credit score and you'll be surprised how quickly your credit score will increase.

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Both Keith Shaw & Jay Ashley are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Keith Shaw has sinced written about articles on various topics from Marketing and Communications, self improvement and motivation and Leadership. Keith A. Shaw, is the author of The Power Of Serenity And Peace - The Truth To Finding Happiness In Today's Stressed Out World and seven other books currently in print. He is the President of. Keith Shaw's top article generates over 14800 views. to your Favourites.

Jay Ashley has sinced written about articles on various topics from Criminal Defense Law, Information Technology and Vacation. Jay Ashley is an expert on credit, loans, and debt management and maintains a website (http://www.internetcreditcardlist.com) geared towards showing others how to find the. Jay Ashley's top article generates over 165000 views. to your Favourites.
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