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BOSTON (MarketWatch) -- The counter-revolution is underway.

The G-20 calls for members to slash their budget deficits. The U.S. Senate ices further aid for the unemployed. The head of the Business Roundtable slams President Obama for undermining American capitalism. Wall Street succeeds in watering down reform.

Depending on your politics, you'll love this or hate it.

But there's just one problem.

We're still living in a fantasyland. Most people have no idea what's really going on in the economy. They're living on spin, myths and downright lies. And if we don't know the facts, how can we make intelligent decisions?

Here are the three biggest economic myths -- the things everything thinks they know about the economy that just ain't so.

Myth 1: Unemployment is below 10%

What nonsense that is. The official jobless rate, at 9.7%, is a fiction and should be treated as such. It doesn't even count lots of unemployed people. The so-called "underemployment" or U-6 rate is an improvement: For example it counts discouraged job seekers, and those forced to work part-time because they can't get a full-time job.

That rate right now is 16.6%, just below its recent high and twice the level it was a few years ago

And even that may not tell the full story. Many people have simply dropped out of the labor force statistics.

Consider, for example, the situation among men of prime working age. An analysis of data at the U.S. Labor Department shows that there are 79 million men in America between the ages of 25 and 65. And nearly 18 million of them, or 22%, are out of work completely. (The rate in the 1950s was less than 10%.) And that doesn't even count those who are working part-time because they can't get full-time work. Add those to the mix and about one in four men of prime working age lacks a full-time job.

Dean Baker, economist at the Center for Economic and Policy Research in Washington, D.C., says the numbers may be even worse than that. His research suggests a growing number of men, especially in deprived, urban and minority neighborhoods, have vanished from the statistical rolls altogether.

Myth 2: The markets are panicking about the deficit
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To hear the G-20 tell it, rappelz rupees the U.S. and other top countries had better slash those budget deficits before the world comes to an end.

And maybe the markets should be panicking about the deficits.

But they're not. It's that simple.
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If they were, replica rolex the interest rate on government bonds would be skyrocketing. That's what happens with risky debt: Lenders demand higher and higher interest payments to compensate them for the dangers.

But the rates on U.S. bonds have been plummeting recently. The yield on the 30-year Treasury bond down to just 4%. By historic standards that's chickenfeed. Panicked? The bond markets are practically snoring.

They aren't seeing inflation either. On the contrary, they're saying it will average just 2.3% a year over the next three decades. That's the gap between the interest rates on inflation-protected Treasury bonds and the rates on the regular bonds. By any modern standard the forecast is low. Instead of worrying about inflation, some are starting to worry about something even more dangerous: deflation, or falling prices.
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If that takes hold, maple story power leveling cutting spending and raising taxes would be a bad move.

It's certainly possible the lenders buying these bonds are being foolish. And it's worth noting that the Treasury market is also subject to political distortions, because foreign are among the heavy buyers of bonds. So it's worth treating its apparent verdicts with some caution. Nonetheless, the burden of proof, as usual, is on those who argue the market is wrong.
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Myth 3: world of warcraft gold The U.S. is sliding into "socialism"

For a system allegedly being strangled in its bed, U.S. capitalism seems to be in astonishingly robust shape.

Numbers published by the Federal Reserve a few weeks ago show that corporate profit margins have just hit record levels. Indeed. Andrew Smithers, the well-regarded financial consultant and author of "Wall Street Revalued," calculates from the Fed's latest Flow of Funds report that corporate profit margins rocketed to 36% in the first quarter. Since records began in 1947 they have never been this high. The highest they got under Ronald Reagan was 30%.
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The picture is also similar when you exclude financials. replica rolex

The Dow Jones Industrial Average /quotes/comstock/10w!i:dji/delayed (DJIA 9,733, -41.49, -0.42%) is above 10,000. Small company stocks have rallied astonishingly since early last year: The Russell 2000 index is back to levels seen not long before Lehman imploded. Meanwhile Cap Gemini's latest Wealth Report notes that the North American rich saw an 18% jump in their wealth last year.

Meanwhile, federal spending, about 25% of the economy this year, is expected to fall to about 23% by 2013. In 1983, under Ronald Reagan, it hit 23.5%. In the early 1990s it was around 22%. Some socialism.
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These days, Atlantica gold three-fifths of the entire budget goes on just three things: Insurance for our old age (through Social Security and Medicare), defense, and debt interest.

Conservatives don't want to cut the $700 billion-plus we spend on defense. We can't cut debt interest payments. And while Social Security and Medicare certainly need reform, the main "problems" are simply rising life expectancy and health care demands. If we didn't provide for the insurance through our taxes we'd have to do it individually.

What about the rest of the budget? It's jumped from around 7% of GDP a few years ago to about 10% now. Out of control? It's been in the 6% to 9% range for decades. It's forecast to fall to about 8% again in a few years.

So much for a revolution. But here comes the counter-revolution just the same.

The three biggest lies about the economy

I get a lot of questions from people who read my articles or visit my site asking me if I can give them some specific steps to follow to get started making changes in their lives.
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Unfortunately, archlord money I don’t really have a step-by-step program for self improvement, so as much as I’d love to help, I can’t really tell them much other than to just get started.

But I’m also happy to give that very simple piece of advice, because getting started is the hardest part of… well, anything. And it’s the most intimidating. There’s a fear of the unknown that likes to creep its way in and it often leads to another overwhelming fear: failure.

And that will often stop us right in our tracks. I’ve seen it absolutely paralyze some people.
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And that’dog clothes s a shame because it’s really a pretty irrational fear, if you think about it. Failure should actually be something we embrace, because failure, believe it or not, is the best teacher.

Think about it. When have you learned and progressed the most during your life? I’m going to go right ahead and guess that it was after making a mistake and realizing that that was the wrong way to do it.
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If you’re like most people, maple story mesos then that’s how it’s done. And then if you’re smart about it, then you’ve taken what you’ve learned and made the necessary course corrections, and continued on, never to make that same mistake again. Congratulations.

I really only view failure as failure if someone insists on doing things the wrong way over and over again without really caring or paying much attention to what’s going on. But most people don’t do that.

Most people learn from their mistakes. So you might as well go ahead and make them. But that means getting over your fears and finally getting started.
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All you really need is a little bit of confidence. flyff penya But true confidence doesn’t just come out of nowhere for no reason. Confidence comes with experience. Most people build their confidence by achieving small gains along the way. Once they see that they can do it, then they become confident enough to move onto the next step in their development. Then they complete that one, build a little more confidence, and start working towards the next step. And so on.

I like to call it the upward spiral.
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Stop and think about the things you’ve already done, last chaos gold like learning to ride a bicycle, or drive a car, or any job you’ve ever had. At first, you didn’t know how to do them, and you were probably pretty nervous, but little by little, you got it, and eventually it became almost second nature – almost like you could do it in your sleep – and any nerves you may have had about it disappeared.

So if you really want to get things done, and really change your life for the better, then at some point you’re going to have to risk falling off your bicycle, so to speak.

To add a little color, I’ve included this quote from Teddy Roosevelt: “Far better is it to dare mighty things, to win glorious triumphs, even though checkered by failure… than to rank with those poor spirits who neither enjoy nor suffer much, because they live in a gray twilight that knows not victory nor defeat.”
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Well said, Mr. President. World of Warcraft power leveling Here’s another example: When I first started learning kung fu way back when, I was extremely nervous. My only goal that first day was to not fall on my face and make a fool of myself. Luckily, I didn’t, and I survived, and I kept going to class. The more I went, the more comfortable I got with it. And eventually I came to realize that it was silly of me to have been so concerned. Of course, it certainly helped that it was a good environment to learn in.

You see, success is not an all or nothing proposition. Your only choices are not to be a colossal failure or a colossal success. It doesn’t work that way.

OK, I’m repeating myself here, but real success is made up of smaller successes and achievements that build confidence and slowly get rid of that fear of the unknown. Which kind of means that you need to let yourself ride the wave, rather than looking only at the end goal. You’re never done growing, so you might as well let yourself enjoy the journey, rather than looking at everything as a fight for you to win or lose.

Have you ever heard the expression, “Slow and steady wins the race”? Well, when it comes to personal growth, it’s absolutely true.

What Are You So Afraid Of?

You want to be healthier and have more energy. You want to take good care of yourself. The problem is, life is hectic. However nice it’d be to have time for long strolls in the countryside, afternoon naps and relaxing baths … you’ve got a few little matters like work, family, friends, chores and hobbies to fit into your day.

Perhaps you’ve made a few attempts at trying to live a healthier lifestyle, and they’ve never worked out. You start a new diet every Monday. You try to quit caffeine, sugar and alcohol all at once. You take up exercising – and your muscles are protesting after a day.

Sometimes, though, it’s the little changes which make a big difference. You don’t need to follow a huge time-consuming plan for the perfect body – you just need the energy and enthusiasm to tackle life every day.

Here are five simple steps, all of which combined will take just twenty minutes each day. (If you have a few extra minutes to spare, I’ve also suggested some bonus activities.)

Switch one drink to de-caff – 0 minutes

I’m not suggesting you quit caffeine full stop – just switch one of your daily coffees to a de-caffeinated version. It’s a little change which takes no time at all, and which you’ll hardly notice after a couple of days.

If you’re trying to cut down considerably on caffeine, do it gradually. For instance, if you currently drink six coffees per day, switch to five regular and one de-caffeinated this week, then cut down a bit more next week, and so on.

Bonus: Do the same thing with one regular soda – switch to a diet version, or flavored water. It might take your taste buds a week or two to adapt, but stick with it!

Grab a piece of fruit – 1 minute

Next time you’re feeling peckish, grab a piece of fruit. This takes a minute at most – probably just a few seconds. If you keep a bowl of fruit close at hand, it’s a very easy snack!
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Eating more fruit will:RuneScape Gold

    * Ensure you get enough vitamins, vital for health
    * Boost your fiber intake, improving your digestion
    * Help fill you up between meals for minimum calories

Bonus: Keep a bottle of water on your desk so that it’s within easy reach. You’ll find yourself sipping more and staying hydrated during the day – reducing the urge to snack. (Many of us mistake mild thirst for hunger.)
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Brush your teeth (properly) – 4 minutes
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Hopefully, last chaos gold you already brush your teeth twice a day. If you’re being totally honest, though, there are probably times when you don’t manage that – or when “brushing” is just a quick swipe round your mouth with the tooth brush.

Dentists recommend that you brush your teeth for two minutes. Try timing yourself next time you brush yours: chances are, you’re not brushing for long enough.

Bonus: Don’t forget to floss daily too.
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Meditate – 5 minutes wow cd keys

In recent years, meditation has become much more mainstream. Proven health benefits – like decreased stress – are pretty attractive to most of us! But because we’re busy, we often don’t take the time to sit and quieten our minds.
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If you’maple story power leveling re uncertain about what meditation involves, and want an easy introduction, try 6 Tips for People Who Don’t Have Time to Meditate.

Meditation really isn’t a “woo-woo” new agey activity. It’s just a way to get some space and perspective in your life through a few minutes of precious calm.

Bonus: Many people – not just those who follow a particular religion – find it helpful to read a little from a spiritual or inspirational text each day.
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Take a brisk walk – 10 minutes dog carriers

Let’s face it, most of us should do more exercise. The trouble is, just the thought of the gym can be stressful. Perhaps you don’t have time after work, or you don’t want to follow a vigorous routine.

One of the best things you can do for your health is to walk. Walking won’t put as much stress on your joints as other cardio activities, you can do it in your normal clothes, and you can easily go faster or slower depending on your fitness level. Just ten minutes is enough to see physical and mental benefits.

Bonus: Find ways to incorporate walking into your daily routine, so that it doesn’t take up extra time. (Get off the bus a stop earlier, or walk to the local store instead of driving, for instance.)

Better Health in Just 20 Minutes A Day

They say you can never go home again.

　　Well, you can. Only you might find yourself staying at a Trave Lodge, driving a rented Ford Contour and staking out your childhood home like some noir private eye just trying to catch a glimpse of the Johnny-come-latelys that are now living in YOUR HOUSE.
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　　It's a familiar story. luna gold Kids grow up, parents sell the family home and move to some sunnier climate, some condo somewhere, some smaller abode. We grown up kids box up all the junk from our childhoods—dusty ballet shoes, high school text books, rolled up posters of Adam Ant—and wonder where home went.

　　I'm not a sentimental person, I told myself. I don't need to see old 3922 26th Street before we sell the place. I even skipped the part where I return home to salvage my mementos from the garage. I let my parents box up the stuff which arrived from San Francisco like the little package you get when released from jail. You know, here's your watch, the outfit you wore in here, some cash. Here's the person you once were.

　　After a year, San Francisco called me home again. I missed it. High rents had driven all my friends out of the city to the suburbs so I made myself a reservation at a motel and drove there in a rented car.
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　　The next day, wow cd keys I cruised over to my old neighborhood. There was the little corner store my mom used to send me to for milk, the familiar fire station, the Laundromat.

　　I cried like the sap I never thought I'd be. I sat in the car, staring at my old house, tears welling up. It had a fresh paint job, the gang graffiti erased from the garage door. New curtains hung in the window.

　　I walked up and touched the doorknob like it was the cheek of a lover just home from war. I noticed the darker paint where our old mezuzah used to be. I sat on our scratchy brick stoop, dangling my legs off the edge, feeling as rootless as I've ever felt.
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　　You can't go home in a lot of ways, World of Warcraft power leveling I discovered that night, when I met up with an ex-boyfriend.

　　"Great to see you," he said, giving me a tense hug. "The thing is, I only have an hour."

　　What am I, the LensCrafters of social engagements?
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　　As it happens, cheap wow gold his new girlfriend wasn't too keen on my homecoming. We had a quick drink and he dropped me back off at my motel where I scrounged up my change to buy some Whoppers from the vending machine for dinner. I settled in for the evening to watch "Three to Tango" on HBO.

　　"You had to watch a movie with a Friends' cast member," said my brother, nodding empathetically. "That's sad."

　　My brother and I met up at our old house, like homing pigeons. We walked down the street for some coffee and I 19)filled him in on my trip. He convinced me to stay my last night at his new place in San Bruno, just outside the city. I'll gladly pay $98 a night just for the privilege of not inconveniencing anyone, but he actually seemed to want me.
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　　"I love having guests," world of warcraft power leveling he insisted. So I went.

　　It's surprising how late in life you still get that "I can't believe I'm a grown-up feeling," like when your big brother, the guy who used to force you to watch "Gomer Pyle" reruns, owns his own place. It was small and sparse and he had just moved in but it was his. The refrigerator had nothing but mustard, a few cheese slices and fourteen cans of Diet 7-Up.

　　We picked up some Taco Bell, rented a movie, popped some popcorn and I fell asleep on his couch.

　　Insomniacs rarely fall asleep on people's couches, I assure you. I don't know why I slept so well after agonizing all weekend over the question of home, if I had one anymore, where it was. I only know that curled up under an old sleeping bag, the sound of some second-rate guy movie playing in the background, my brother in a chair next to me, I felt safe and comfortable and maybe that's part of what home is.
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　　But it's not the whole story. 2moons dil As much as I'd like to buy the cliches about home being where the heart is, or as Robert Frost put it, "The place where when you have to go there, they have to take you in," a part of me thinks the truth is somewhere between the loftiness of all those platitudes and the concreteness of that wooden door on 26th street.

　　I'll probably be casing that joint from time to time for the rest of my life. I'll sit outside, like a child watching someone take away a favorite toy, and silently scream, "MINE!"

If you’ve been trying to improve your life with the help of ‘self improvement information’ and have gotten little to no results, you’re not alone…

In fact, most people who try self improvement resources fail to get the promised results.

(I’m talking about self help/ development/ improvement books, audio programs, seminars and so on, from weight loss tips to ‘success skills’ to relationship advice and anything in between).

I’ve been there myself for many years, until I’ve finally ‘found the solution’, and I would like to share it with you…

I’m going to give you one important step and a few simple rules to follow, in order to finally use self help resources to greatly improve your life.
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But first – why does this happen…replica rolex

You read a book that promises to improve your life in some way (or transform it altogether). In the best case you get excited for a few days, but then everything goes back to normal…

Nothing’s changed and you either give up on ‘self improvement’, or move on to the next thing – another book, another recording or another seminar.
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Let’s face it, Eve isk sometimes you don’t even read the whole book, or listen to that recorded seminar or that “self hypnosis audio” that you got.

You may make excuses like “I don’t have time” or “it’s not the right time”, but if you’d be honest with yourself, you may have to admit that the real reasons are the same ones that led you to self help in the first place.

I’m talking about either lack of motivation and self discipline or lack of clarity and focus (or a combination of those). Think about it…
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Who needs “productivity tips” more than a ‘chronic procrastinator’?ffxi gil

Who needs weight loss advice more than someone who can’t control their eating habits or is too lazy to work out?

Bottom line – self improvement hasn’t worked for you because you just weren’t ready for it. But that’s about to change…
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First, wow power leveling you must take this crucial step…

Create the Habit of Self Improvement

As I said before, lack of time is one of the most common excuses for not taking advantage of self help resource. You won’t have that excuse, once you MAKE the time…

Decide on a time (and maybe a place) for daily ‘self improvement sessions’. Start with something you can commit to, even just 15 minutes a day.
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In those sessions you can write and read you goals, replica rolex meditate, listen to hypnosis audios or even do some Yoga exercises. It doesn’t really matter…

At least at first what matters most is not what you do in your sessions, but that you actually do them on a daily basis, so they become part of your life – a strong habit.

Do it for at least 30 days and you’re on the right track. Then you can raise the bar a little – either increase the length of your sessions, ad another daily session, or decide on new things that you’d do in your sessions.
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NOTE: wow power leveling If you already spend a lot of time reading or listening to self help material, don’t waste your “self sessions” doing the same thing. Instead – focus on taking action on the information you learn from all those resources.

The Rules for Getting the Most Out of Self Improvement Programs

My personal experience shows that good self improvement resources can really help you change your life for the better… if you follow these ‘rules’…

Self Improvement: Programs to Make Your Life Better

Bagi mahasiswa yang ingin download KA. 2010/2011

[Jelang Kuliah Perdana Tahun Akademik 2010/2011.]

Jelang Kuliah Perdana Tahun Akademik 2010/2011.

Tahun akademik baru merupakan sebuah langkah awal dalam meniti karir studi di perguruan tinggi serta menjadi jalur menuju cita-cita di masa depan. Langkah awal tersebut membutuhkan niat & kiat yang sungguh-sungguh dalam menimba ilmu pengetahuan & pengalaman.

Perguruan tinggi merupakan suatu wadah yang digunakan untuk research & development (R&D) serta arena penyemaian manusia baru untuk menghasilkan generasi yang memiliki kepribadian & kompetensi keilmuan sesuai bidangnya. Di sisi lain perkembangan ilmu pengetahuan & teknologi bergerak kencang melampaui kecepatan manusia untuk menyadarinya, dimana pusat daya dari percepatan perubahan itu adalah temuan-temuan mutakhir seperti perkembangan eksplosif dunia informasi, varian pengetahuan dan pendalaman pemahaman yang dihasilkan oleh riset-riset ilmiah.

Kompetensi yang bersifat lintas disiplin dan aplikasi teknologi dari ragam pengetahuan ini akan mendorong lahirnya spesies sains dan teknologi baru yang memiliki taji keunggulan untuk menjadi pemimpin dan trend setter di masa depan. Seiring dengan karya sains dan teknologi, budaya kerja & ilmu humaniora. Hal ini diperlukan untuk menjembatani interaksi yang lebih erat antara ilmu-ilmu dasar dan ilmu terapan, serta pergeseran dalam pola pengembangan dan relasi sains dengan lingkungan sosialnya.

Dunia perguruan tinggi sarat dengan kemandirian dalam belajar, berkarya, berkreasi, berinovasi, bersosialisasi serta hal-hal positif lainnya. Maka tunjukkanlah pada dunia bahwa ”ANDA BISA”. Selain itu pula dunia perguruan tinggi sarat dengan sikap keteladanan, disiplin serta unggul dalam kualitas, dan akan melahirkan pribadi-pribadi yang santun, tangguh serta memiliki daya saing yang kompetitif.

Menatap masa depan berarti mempersiapkan generasi yang memiliki kecintaan terhadap bangsa dan negara yang kita cintai ini, serta merupakan terapi akademis bagi anak bangsa, yang menyadari bahwa pendidikan tinggi harus menjadi solusi untuk meningkat SDM dalam penguasaan IPTEK sehingga bisa mempersiapkan tenaga handal ditengah kompetisi global.

Oleh karena itu, kegiatan dan suasana belajar mengajar di kampus UNIVERSITAS RESPATI INDONESIA mengandung peluang besar bagi setiap mahasiswa yang cerdas untuk membangun kompetensi pada bidang studi yang ditekuninya, sekaligus bisa meraih kesempatan untuk menggali wawasan lintas disiplin dari berbagai bidang studi yang ada. Proses belajar di kampus UNIVERSTAS RESPATI INDONESIA dikembangkan untuk mengasah potensi setiap insan muda berbakat agar mampu mengelola IPTEK dengan kearifan intelektual, kepekaan sosial dan etika religius.

Selamat datang intelektual muda yang cerdas & membanggakan.
di kampus tercinta UNIVERSITAS RESPATI INDONESIA.

                                                         

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Tanggal 3-4 Oktober 2009