According to astrolog  every living being born is under the influence of Planets .Each planet has its specific impacts. There are nine goddesses associated with these planets and there are nine avatars of Goddess Lakshmi, one associated with each planet. There are mantras for Shree Laxmi and the planets ; BUT YOU MUST SEEK CONSULTATION WITH AN ATROLOGER BEFORE YOU ATTEMPT TO PRACTICE ANYTHING RELATING TO PLANETS .

Goddess Laxmi’s association with the nine planets .

·    Surya (Sun) Lakshmi: Positive impact will bring happiness , confidence and wealth , while negative impact may bring wealth that may not have been earned by right means and thus will bring problems with it .

·    Chandra (Moon) Lakshmi: The influence of this palnet relates to your health and positive influence will see you in good health, while negative influence will bring ill-health.

·    Mangal (Mars) Lakshmi: If the planet favours you, success will come easy, and if you are not blessed, it will bring hurdles and obstacles and a string of collapses.

·    Budh (Mercury) Lakshmi: With the help of Mercury, one can have a smooth and successful period through school and college; and if there is no help from this planet  you will have to be satisfied with mediocre results .

·    Guru (Jupiter) Lakshmi: If this planet is favourable you can expect a smooth life as you will be given help in every aspect but if Jupiter is angry at you, you may have to face hurdles .

·    Shukra (Venus) Lakshmi: The positive aspect of this planet is that you will get a very understanding and loving spouce  but the negative aspect may give you just the opposite and problems associated with that.

·    Shani (Saturn) Lakshmi: This planet is most feared and in mythology is known to be sitting on the throne of justice and will not spare anyone.Positive impact brings plenty of fame and fortune earned by genuine means , while negative impact may include hurdles , delays and frustrations . 

·    Rahu ( North Node ) Lakshmi: If Rahu smiles at you, you will have good friends; but a negative glance from Rahu will weaken your judgements resulting in you being  surrounded by liars and cheats.

·    Ketu ( South Node ) Lakshmi: A postive impact from this planet may give you fame, while a cruel one can bring shame to your life due to actions taken by you .

The nine avatars of Goddess Lakshmi and their blessings are required by each one of us .The ultimate mantra which, when recited by a person, can help him/her attain salvation :

You are requesting Goddess Laxmi to destroys all forms of misery from your life and to give you fame fortune and happiness ; the mantra is :

 ’‘Om Hreem Ashtalakshmeya Daridraya Vinashini Sarvasukha Smruddhi
          Dehi Dehi Hreem Om Namah!!”

LAXMI MANTRAS ASSOCIATED WITH EACH ZODIAC SIGN

Aires : Om Aiem Kleem Saun

Taurus: Om Aiem Kleem Shri
Gemini: Om Kleem Aiem Saun
Cancer: Om Aiem Kleem Shri
Leo: Om Hreem Shreem Saun
Virgo: Om Shree Aiem Om
Libra: Om Hreem Kleem Shree
Scorpio: Om Aiem Kleem Saun
Sagittarius: Om Hreem Kleem Saun
Capricorn: Om Aiem Kleem Hreem Shree Saun
Aquarius: Om Hreem Aiem Kleem Shree
Pisces: Om Hreem Kleem Saun

As with all practices relating to mantras associated with Planets and Zodiac signs , a consultation with an astrologer is a must as your birth chart will have to be studied .

 GOOD LUCK !

This is a recitation in honour of Shree Maha Laxmi – the goddess of wealth and all happiness . Below is the written version of it with English translation and there are two  you-tube version as well ; one is the full version and one is a shorter , faster version .Both are equally powerful .You can read the stotram whilst you are listeneing ( the longer version ) to it . It is claimed that this stotram has immense powers to remove ALL your miseries . Try and recite this once a day and if not possible then do it every Fridays .

FULL VERSION :

SHORTER VERSION :

Kanaka Dhara Stotra

Angam hare pulaka bhooshanamasrayanthi,
Bhringanga neva mukulabharanam thamalam,
Angikrithakhila vibhuthirapanga leela,
Mangalyadasthu mama mangala devathaya.

To the Hari who wears supreme happiness as Ornament,
The Goddess Lakshmi is attracted,
Like the black bees getting attracted,
To the unopened buds of black Tamala tree,
Let her who is the Goddess of all good things,
Grant me a glance that will bring prosperity.

2
Mugdha muhurvidhadhadathi vadhane Murare,
Premathrapapranihithani gathagathani,
Mala dhrishotmadhukareeva maheth pale ya,
Sa ne sriyam dhisathu sagarasambhavaya.

Again and again return ,those glances,
Filled with hesitation and love,
Of her who is born to the ocean of milk,
To the face of Murari,
Like the honey bees to the pretty blue lotus,
And let those glances shower me with wealth.

3
Ameelithaksha madhigamya mudha Mukundam
Anandakandamanimeshamananga thanthram,
Akekara stiththa kaninika pashma nethram,
Bhoothyai bhavenmama bhjangasayananganaya.

With half closed eyes stares she on Mukunda,
Filled with happiness , shyness and the science of love,
On the ecstasy filled face with closed eyes of her Lord,
And let her , who is the wife of Him who sleeps on the snake,
Shower me with wealth.

4
Bahwanthare madhujitha srithakausthube ya,
Haravaleeva nari neela mayi vibhathi,
Kamapradha bhagavatho api kadaksha mala,
Kalyanamavahathu me kamalalayaya

He who has won over Madhu,
Wears the Kousthuba as ornament,
And also the garland of glances, of blue Indraneela,
Filled with love to protect and grant wishes to Him,
Of her who lives on the lotus,
And let those also fall on me,
And grant me all that is good..

5
Kalambudhaalithorasi kaida bhare,
Dharaadhare sphurathi yaa thadinganeva,
Mathu samastha jagatham mahaneeya murthy,
Badrani me dhisathu bhargava nandanaya

Like the streak of lightning in black dark cloud,
She is shining on the dark , broad chest,
Of He who killed Kaidaba,
And let the eyes of the great mother of all universe,
Who is the daughter of Sage Bharghava,
Fallon me lightly and bring me prosperity.

6
Praptham padam pradhamatha khalu yat prabhavath,
Mangalyabhaji madhu madhini manamathena,
Mayyapadetha mathara meekshanardham,
Manthalasam cha makaralaya kanyakaya.

The God of love could only reach ,
The killer of Madhu,
Through the power of her kind glances,
Loaded with love and blessing
And let that side glance ,
Which is auspicious and indolent,
Fall on me.

7
Viswamarendra padhavee bramadhana dhaksham,
Ananda hethu radhikam madhu vishwoapi,
Eshanna sheedhathu mayi kshanameekshanartham,
Indhivarodhara sahodharamidhiraya

Capable of making one as king of Devas in this world,
Her side long glance of a moment,
Made Indra regain his kingdom,
And is making Him who killed Madhu supremely happy.
And let her with her blue lotus eyes glance me a little.

8
Ishta visishtamathayopi yaya dhayardhra,
Dhrishtya thravishta papadam sulabham labhanthe,
Hrishtim prahrushta kamlodhara deepthirishtam,
Pushtim krishishta mama pushkravishtaraya.

To her devotees and those who are great,
Grants she a place in heaven which is difficult to attain,
Just by a glance of her compassion filled eyes,
Let her sparkling eyes which are like the fully opened lotus,
Fall on me and grant me all my desires.

9
Dhadyaddhayanupavanopi dravinambhudaraam,
Asminna kinchina vihanga sisou vishanne,
Dhushkaramagarmmapaneeya chiraya dhooram,
Narayana pranayinee nayanambhuvaha.

Please send your mercy which is like wind,
And shower the rain of wealth on this parched land,,
And quench the thirst of this little chataka bird,
And likewise, drive away afar my load of sins,
Oh, darling of Narayana,
By the glance from your cloud like dark eyes.

10
Gheerdhevathethi garuda dwaja sundarithi,
Sakambhareethi sasi shekara vallebhethi,
Srishti sthithi pralaya kelishu samsthitha ya,
Thasyai namas thribhvanai ka guros tharunyai.

She is the goddess of Knowledge,
She is the darling of Him who has Garuda as flag,
She is the power that causes of death at time of deluge,
And she is the wife of Him who has the crescent,
And she does the creation , upkeep and destruction at various times,
And my salutations to this lady who is worshipped by all the three worlds.

11
Sruthyai namosthu shubha karma phala prasoothyai,
Rathyai namosthu ramaneeya gunarnavayai,
Shakthyai namosthu satha pathra nikethanayai,
Pushtayi namosthu purushotthama vallabhayai.

Salutations to you as Vedas which give rise to good actions,
Salutation to you as Rathi for giving the most beautiful qualities,
Salutation to you as Shakthi ,who lives in the hundred petalled lotus,
And salutations to you who is Goddess of plenty,
And is the consort of Purushottama.

12
Namosthu naleekha nibhananai,
Namosthu dhugdhogdhadhi janma bhoomayai,
Namosthu somamrutha sodharayai,
Namosthu narayana vallabhayai.

Salutations to her who is as pretty.
As the lotus in full bloom,
Salutations to her who is born from ocean of milk,
Salutations to the sister of nectar and the moon,
Salutations to the consort of Narayana.

13
Namosthu hemambhuja peetikayai,
Namosthu bhoo mandala nayikayai,
Namosthu devathi dhaya prayai,
Namosthu Sarngayudha vallabhayai.

Salutations to her who has the golden lotus as seat,
Salutations to her who is the leader of the universe,
Salutations to her who showers mercy on devas,
And salutations to the consort of Him who has the bow called Saranga.

14
Namosthu devyai bhrugu nandanayai,
Namosthu vishnorurasi sthithayai,
Namosthu lakshmyai kamalalayai,
Namosthu dhamodhra vallabhayai.

Salutations to her who is daughter of Bhrigu,
Salutations to her lives on the holy chest of Vishnu,
Salutations to Goddess Lakshmi who lives in a lotus,
And saluations to her who is the consort of Damodhara.

15
Namosthu Kanthyai kamalekshanayai,
Namosthu bhoothyai bhuvanaprasoothyai,
Namosthu devadhibhir archithayai,
Namosthu nandhathmaja vallabhayai.

Salutations to her who is light living in Lotus flower,
Salutations to her who is the earth and also mother of earth,
Salutations to her who is worshipped by Devas,
And salutations to her who is the consort of the son of Nanda.

16
Sampath karaani sakalendriya nandanani,
Samrajya dhana vibhavani saroruhakshi,
Twad vandanani dhuritha haranodhythani,
Mamev matharanisam kalayanthu manye.

Giver of wealth, giver of pleasures to all senses,
Giver of the right to rule kingdoms,
She who has lotus like eyes,
She to whom Salutations remove all miseries fast,
And my mother to you are my salutations.

17
Yath Kadaksha samupasana vidhi,
Sevakasya sakalartha sapadha,
Santhanodhi vachananga manasai,
Twaam murari hridayeswareem bhaje

He who worships your sidelong glances,
Is blessed by all known wealth and prosperity,
And so my salutations by word, thought and deed,
To the queen of the heart of my Lord Murari.

18
Sarasija nilaye saroja hasthe,
Dhavalathamamsuka gandha maya shobhe,
Bhagavathi hari vallabhe manogne,
Tribhuvana bhoothikari praseeda mahye

She who sits on the Lotus,
She who has lotus in her hands,
She who is dressed in dazzling white,
She who shines in garlands and sandal paste,
The Goddess who is the consort of Hari,
She who gladdens the mind,
And she who confers prosperity on the three worlds,
Be pleased to show compassion to me.

19
Dhiggasthibhi kanaka kumbha mukha vasrushta,
Sarvahini vimala charu jalaapluthangim,
Prathar namami jagathaam janani masesha,
Lokadhinatha grahini mamrithabhi puthreem.

Those eight elephants from all the diverse directions,
Pour from out from golden vessels,
The water from the Ganga which flows in heaven,
For your holy purifying bath,
And my salutations in the morn to you ,
Who is the mother of all worlds,
Who is the house wife of the Lord of the worlds,
And who is the daughter of the ocean which gave nectar.

20
Kamale Kamalaksha vallabhe twam,
Karuna poora tharingithaira pangai,
Avalokaya mamakinchananam,
Prathamam pathamakrithrimam dhyaya

She who is the Lotus,
She who is the consort,
Of the Lord with Lotus like eyes,
She who has glances filled with mercy,
Please turn your glance on me,
Who is the poorest among the poor,
And first make me the vessel ,
To receive your pity and compassion.

21
Sthuvanthi ye sthuthibhirameeranwaham,
Thrayeemayim thribhuvanamatharam ramam,
Gunadhika guruthara bhagya bhagina,
Bhavanthi the bhuvi budha bhavithasayo.

He who recites these prayers daily,
On her who is personification of Vedas,
On her who is the mother of the three worlds,
On her who is Goddess Rama (Lakshmi),
Will be blessed without doubt,
With all good graceful qualities,
With all the great fortunes that one can get,
And would live in the world,
With great recognition from even the learned.

GOOD LUCK TO YOU AND MAY YOUR DESIRES BE FULFILLED !

Although these mantras are associated with the Hindu religion , the power of these mantras comes from the energy it attracts by the sound it creates – so anyone can use them .You donot have to be a Hindu to enjoy the benefits of these mantras .One such mantra which I think will be very useful to everyone during these times of recession is the one that attracts properity and the mantra is directed to Lord Kuber , who controls the finances of the Gods  . You can recite it 108 times daily or more if you can ; whilst in India the learned scholars recommend that you do it 125,000 times in 40 days for most benefit .

Please watch the attached video .

BOTH THESE OPTIONS HAVE SERIOUS REMIFICATIONS , SO THEY SHOULD BE CONSIDERED AS LAST OPTIONS .

The first thing you have to do , once you realise that your outgoings are more than your incoming and you can not meet them ; and you have DECIDED to take matters into your hand to sort this mess out – inform ALL your creditors that you are having financial difficulties and will be sending in a proposal to them to settle the debts .

You must include ALL of them – you CAN NOT  pick and choose .

Now this letter you can write your self and post them .

A lot of people in this position approach ‘ debt management consultants / companies ’ .This is understandable as the person who is in debt and is being hounded by telephone calls on an hourly basis from the credit card call centres is in a desperate state of mind and may not be thinking straight . KEEP CALM .  (practical action – once you have decided that you want to take some action , take a day off , take the family to the park with home made sandwiches , calm yourself . You must tell yourself that from now on things will improve and whatever you do , do so with a calm mind – do not panic and do anything rash ) The most important thing  is that you have taken a decision to tackle the issue .

 Above all do not feel guilty to an extent where you start to think of your self as worth less and go into depression . .Sure you have screwed up . Sure you have a moral obligation to pay your debts but if you just can’t pay them and life has become impossible , seek alternative ways . You are entitled to this .

Government has kept  provision for this in the laws of the land . And of course there will be consequences after this – like your credit rating being spoilt etc.

 As I said earlier you can write the letter yourself for the cost of a stamp . I have nothing against Debt advisors/managers , but they are professional people with offices and day to day expenses , as such you will have to pay them a fee , most likely up front which can be a problem when you do not have the money to pay them .

At this stage I would like to mention that there are quite a few government sponsored debt management offices which will advice you free of charge – it is a good idea to talk to them before you take any action as most of them will give you good advice and guidance .You can find most of them by searching on the internet .

So in my opinion this is something one can handle on his own , with a calm mind – but you do have the option to consult one of the debt consultants . Coming back to our action plan , step one is to inform the creditors by a letter . This should buy you about a week ; by which time you should decide on what action you wish to take .

Depending on your circumstances ( spare cash , assets etc ) you have the option to arrange what is known as  : INDIVIDUAL VOLUNTARY ARRANGEMENT – IVA .

Basically what this is that you make an offer to your creditors that you are not in a position to pay them the full amount and that you are willing to pay them a percentage of the full amount – usually you should be able to offer them between 40 % to 50% of what you owe them – do not make a ridiculous offer like 10% as they will never accept that .

So your offer would be that you will pay to them (say ) 40% of the principal sum  over a period of three years by monthly instalments – no interest will be paid . In the proposal you must inform them of ALL your circumstances – DO NOT HIDE ANYTHING AND BE TRUTHFUL .   The chances are that this will be acceptable .

Before you make this offer make sure that the new amount that you are offering to pay is within your means – it does not make much sense in making an offer that you can not comfortably meet as to default on these payments after agreeing to them will make the situation worse .

During this time if any of the collections agencies call you or write to you , inform them politely that you have proposed an IVA and the creditors meeting is scheduled for so and so date . Normally this will stop them harassing you further . The main criterion the creditors will look at are  :

• That you are genuine and are in problems
• Can they collect more from you if they sell your assets
• Will you be able to fulfil the new arrangement
• That they will not get more by declaring you bankrupt .

 If 75% of your creditors agreee , you have now reached an arrangement whereby you can pay your mortgage , living expenses and monthly instalments to your creditors and hopefully , you will be free from these debts in three years or so .

Although your credit history has been spoiled ( can take up to six years to improve ) thus no more borrowing – which is good .

And now you can get back to rebuilding your life .

 If this fails and your creditors are not willing to accept an IVA , you have the option of the last resort which is :

Bankruptcy – an option to be taken very seriously .

THIS OPTION SHOULD BE USED AS A LAST RESORT AND NOT AS AN EASY WAY OUT  AS THERE ARE SERIOUS CONSEQUENCES TO THIS ACTION .

But if  the IVA that you tried to arrange does not succeed , you may not have any option but to declare yourself bankrupt or the creditors may decide to declare you bankrupt  – unless you can come up with the money from somewhere – but taking out another loan to repay existing debts only prolongs the inevitable .

And if the IVA has failed , the collection calls will start again  and letters will start arriving again  and your life will be upset until you start to pay them – and if you don’t eventually ,  the creditors will apply to declare you bankrupt . Under these circumstances, the best option may be to declare yourself bankrupt .  Bankruptcy is an order issued by the Judge in a County Court either on the application of a creditor or an application by an individual himself. There are formalities to be completed ; forms to be filled , but once an order by the judge is issued , adjudging one bankrupt , the person than basically ceases to exist – financially speaking . Anything that was in that person’s name including all assets and all loans and credit cards debts  now belong to Official Receivers. You can start afresh .

After the order is issued , all your debts are gone – they now belong to the official receiver – no one will chase you for them any more .  BUT

• You lose control of all your assets – if you have any
• You may lose your house if you own it 
• There may be consequences at your place of work
• Most banks will not open an account for you and your existing account /s  may be closed
• You cannot obtain credit for over £250 without informing the lender that you are a declared bankrupt
• You can not act as a company director nor can you take part in the promotion , formation or management of a limited company without the permission of the courts
• If you were a chartered accountant or a lawyer , you can not practice
• You cannot act as a justice of peace or become a member of parliament
• Your credit will be affected for many years , even after you have been discharged
• Your bankruptcy order will be published in local papers and posted on the official web site – so chances are that people will find out .
• You will be asked to explain a lot of your financial dealings to ascertain how you got into so much debt and may even be publicly examined in court  and certain restrictive orders may be placed even after you are discharged .
• You may have to state that you were once declared bankrupt in many forms of application forms for the rest of your life

On the other hand

• All your debts are written off  – no more collection calls or letters .
• Normally you will be discharged from bankruptcy within 12 months and you can have a fresh start  ,  however , under certain circumstances you may end up making payments into the bankruptcy estate for an additional three years through a binding payment order which is issued by the courts if the official receiver so requests  – although the courts will give first consideration to your living needs .

 On most information sites , it is stated that you should seek professional advise before you decide to take this route . This is very true and there are excellent Government sponsored agencies who are capable of advising you . Most of the professional Debt managers /companies will charge upfront – anything from £1000 to £2000 to study your situation , and help in filling out the bankruptcy application forms etc.

Although these mantras are associated with the Hindu religion , the power of these mantras comes from the energy it attracts by the sound it creates – so anyone can use them .You donot have to be a Hindu to enjoy the benefits of these mantras .One such mantra which I think will be very useful to everyone during these times of recession is the one that attracts properity and the mantra is ” OM BRZEE NAMAH ” . You can recite it 108 times daily or more if you can ; whilst in India the learned scholars recommend that you do it 125,000 times in 40 days for most benefit .

Please watch the attached video .

Some of them are :

NATIONAL DEBTLINE  ( 0808 808 4000 )

CITIZENS ADVICE BUREAU  ( local council will direct you to them )

UK INSOLVENCY HELPLINE  ( 0800 074 6918 )

These organisation have highly trained and understanding personnel and you can talk to them freely about your situation and they will be able to guide you as to what action is suitable for you ; they can only guide you , the ultimate decision has to be yours .The services are FREE  and you can rest  assured that your discussion with them will remain confidential . Once you talk to them , you will begin to see your situation and your options more objectively . PLEASE BE ABSOLUTELY TRUTHFUL AND DONOT  HIDE ANYTHING , if you want to get the right advice .

I will talk about the options and its implications  in the next chapter , but one option that you should consider straight away is :

( 1 )  Are you in a position to borrow from family and friends , interest free ,  enough to clear ALL your debts ? If so , try this option as this will save your credit rating and save you interest as well and you can arrange an instalment plan to clear the debt .

BUT YOU MUST PAY BACK MONTHLY , REGULARLY . You must be in a postion to show them how you are going to repay them .

Don’t get offended if some of them refuse .

If you do manage to get this loan , BE VERY CAREFUL how you live and spend money until the loan is repaid – do not do anything to make them feel that they have loaned money to an irresponsible person .

 If you have chosen this option , you are a lucky one and remember this for the rest of your life so that when and if  the time comes , you MUST help someone else who may approach you .

First  thing to do is  : List  what you own  -

( a ) HOUSE  if you own your house , find out what is the present value of the house and what is the outstanding mortgage on this this will give you a rough idea of what your equity is . Whether positive or negative .

  ( b ) Shares and stocks If you have any , what is the value of them .

   ( c ) Any other savings you have

    This way you will arrive at a figure which will give you what you are worth

• Make a list of what you have coming in .
• Make a list of what you require to live on – NO LUXURIES  but include the amount you pay every month for mortgage / rent .

NEXT   Make a list of what you owe –

( a )  loans which are secured ( like on your property ) and loans where you have given a personal guarantee –  ( these are your priority ) or where you have agreed to a second mortgage on your house .

            ( b )  loans /credit cards which are unsecured .

• Make a  list out  your monthly payments – loans and credit cards .

You should now have a fair idea of where you stand .

If what you have coming in is more than your outgoings than you are OK and don’t need to read further , but if it is the other way , read on …..

 BEFORE YOU TAKE ANY ACTION , UNDERSTAND THAT WHATEVER ACTION YOU TAKE AFTER THIS , YOUR CREDIT RATING WILL BE AFFECTED AND IT MAY TAKE YEARS FOR IT TO BE RECTIFIED SO THAT YOU CAN BORROW AGAIN – if you ever want to do that again .

So any action to be taken should not be taken lightly and this action plan is for those who are genuinely in problems and do not have assets that they can liquidate to pay their debts .

 If you own your house than you need to work out what your equity is ( value of the house less the mortgage ) . If your equity is substantial , then the creditors will most likely force you to sell the house and pay the debts .

Who owns the house ? if it is in joint names , then your debts can only be offset against your share of the equity .

Assuming that your share of the equity is very little , AND your debts are large ,

we go forward ………

• KEEP CALM AND DONOT PANIC .
• STOP USING YOUR CREDIT CARDS

 Sort your financial position and lead a happy life .

 The elders in ancient times used to say – from what you earn , first give 10%  to charity , save 20% and live on the rest .

Don’t say if I had more money I would have a better plan , if you had a better plan you would have more money !

 In  the present time it would be safe to say that 92% of the population in Western countries dip into their credit cards to meet their monthly expenses – never mind savings . Situation would be even tougher now , during the credit crunch .

On top of this you may have some loans – student loans , bank loans etc .An average student graduates with a debt of £20,000 !

The biggest out going every month is the mortgage payment , which in the present age is the payment of interest only , the principal remains standing there , hanging like a sword over your heads for all your life  or at least most of your life . ULESS YOU ARE AN MP IN THE BRITISH PARLIAMENT , THEN THE MATTER IS TOTALY DIFFERENT – the tax payers will take care of your expenses including on order porn movies ! or so it is reported in the press : good luck to them .

Since we are not all MPs we need to be more careful with our finaces during this time of recession .On top of this the cost of living is steadily going up and we all have to live .

Most of us have had a call from the credit card company at 7 pm to say that they would want us to pay £100 now by a debit card and they can be very persistent .

If you are in this position where most of what you are bringing in is going to servicing your credit cards / loans and then to pay your expenses you need to use your credit card ,

STOP .

• You are in trouble and the first thing is to acknowledge this – denying this will not make the debts go away .Nor will alcohol or shouting at your wife or kids .
• Worrying about it and spending sleepless nights will only increase your anxiety and blood pressure – it is not worth ruining your health for this or worse still ending up in the hospital with a heart attack .
• You need to clear your mind and understand that  THIS IS NOT THE END OF THE WORLD.
• This is not to say  that you are not at fault , of course you are at fault , but  you now  need to make amends – URGENTLY – for your sake and for the sake of your family .

A  lot of people who had thought that they were set in their careers for life and would be in a position to retire at the age of 50, have had their dreams shattered by the banking crisis. These people find themselves in unchartered waters, finding ways to make ends meet.  This is the time when you have to look inside yourself and find the strength to go on, one step at a time.  Find the inspiration from family and friends.  Easier said than done, but believe me every hurricane comes, changes the landscape, but in the end calm returns; that is the way of nature,  and who are we but creatures of nature. Read on….

* 1816 – he had to work to support his family after they were thrown out of their home.
* 1818 – his mother died.
* 1831 – a business he had worked hard to build failed.
* 1832 – he stood for local office election and lost.
* 1833 – declared bankruptcy.
* 1835 – his fiancee died and he was left heart broken.
* 1836 – had a nervous breakdown
* 1838 – lost again in an election
* 1840 – was defeated in an election again
* 1843 – defeated again
* 1846 – defeated again
* 1848 – yet another defeat in an election
* 1854 – lost election for senate
* 1856 – was defeated for vice president’s post – got less than 100 votes
* 1858 – defeated a third time for senate elections
* 1860 – was elected to be the president of the USA -  YEAH ! and went on to become one of the most popular presidents of all times.

For 44 years this man tasted nothing but defeat, YET he did not give up – had he given up, America would be a different country today, for it was he who changed the course of the country: yes this was ABRAHAM LINCOLN.

I am sure that there were many times when NELSON MANDELA  wished he could just give up, but he dug deep into his own strength and came out on top. Look at history and you find thousands of people who by all accounts were ‘finished’  but not only did they survive, they came up on top.

So to all the people who may have lost your livelyhood, please keep the hope going and you will come out on top. Things may get tougher before they get better, but keep this in mind that things WILL get better. No matter how bad things get, DO take care of your health as that is the most important asset you have.

For those who have survived these types of crisis and would like to post advice/guidance,  please do so, we would appreciate this.

THIS IS SUCH A TRAGEDY – DONOT FOR ONE SECOND THINK OF THIS KIND OF AN ACTION – IT LEAVES BEHIND A LOT OF PAIN FOR FAMILY AND FRIENDS . Your life is a gift to be lived to the fullest . Life is a game , play it : so what if you fall down a few times , get up , dust yourself off and join the game .

What can be so bad that one has to resort to this kind of action – I say NOTHING . If ever any kind of crisis comes into your life , keep a cool head .Immediately seek support from family and friends – you do not become small by sharing or asking for help .Talking to someone will put the problem into its true prespective . Above all DONOT try and drown your worries in alcohol – remember,alcohol will depress you more .

There is no problem that cannot be solved or which someone else has not gone through and survived to write about it . NEVER GIVE UP , NEVER .

The sun sets to rise again and rise it will bringing another day , another opportunity for you to grasp .