7 Online Banking Success Stories

You have seen their ads and you may have wondered if they are worth a second look. What am I talking about? Online banks! Also known as internet banks, these are financial institutions who provide the majority of their banking services over the internet. Typically, online banks offer consumers high savings rates, low loan rates, and a mix of other services. Let's look at 7 winners in this fast growing field:

1. E Trade Bank Part of E Trade Financial, the discount internet stockbroker. E Trade Bank offers checking accounts, money markets, and certificates of deposits as well as a VISA credit card.

2. Netbank Along with offering checking and money market accounts, Netbank provides mortgage and home equity lines of credit to customers. With tie-ins to affiliated companies Netbank also offers Auto, Homeowners, Condo/Co-op & Renters Insurance and Life, Health, Long Term Care & Dental Insurance.

3. Virtual Bank VirtualBank, a division of Lydian Private Bank, is a federally chartered bank regulated by the Office of Thrift Supervision. The bank offers checking, savings, and credit card services to customers.

4. Ever Bank This leading internet provider of banking services offers the most extensive, and varied services of any online institution. Ever Bank offers business and personal checking accounts, mortgages, home equity loans/lines of credit, reverse mortgages, a VISA credit card, and world currency accounts. This latter category is for investing in Deposit accounts and CDs denominated in any major world currency.

5. Emigrant Direct Part of Emigrant Savings Bank which traces its roots back to 1850 as a service provider to Irish immigrants. Emigrant has $10 billion in assets and more than $1 billion in net worth. It operates as a full service bank through 36 branches in the New York metropolitan area, and through EmigrantDirect.com. Emigrant offers only consumer services online; their high paying savings account is a chief investment vehicle.

6. ING Direct ING is a global financial institution of Dutch origin offering banking, insurance and asset management to over 60 million private, corporate and institutional clients in more than 50 countries. ING offers mortgages, loans/lines of credit, savings accounts, certificates of deposit, and money market mutual funds through another division.

7. MetLife Bank Yes, MetLife. A division of insurance powerhouse Metropolitan Life, MetLife Bank offers savings accounts, certificates of deposit, money market accounts, mortgages, and IRAs to consumers.

If you are banking exclusively with a "brick and mortar" institution you may be missing out on high paying investment options or competitive loan rates that easily undercut many traditional banking entities. These online banking success stories are only part of a growing number of savvy providers, some of whom are definitely worth a closer look by you, the consumer.

Napoleon Hill And Dan Pena Knew This Success Secret

Napoleon Hill made more millionaires over his lifetime than anyone who came before him...even more than Andrew Carnegie.

His book, 'Think and Grow Rich' even today influences the minds of people all around the world.

But how did Dr. Hill become so tremendous? So outrageously successful? At a very early age, he understood a very important success principle.

'Billionaire' Dan Pena over in Scotland also understands this very same success principle.

Most people say they want financial fr.eedom...a nicer home, another car, to travel more, to be able to make your own hours.

We see Dan Pena's obscenely beautiful castle and comment, 'I want that too.'

But Dan is quick to tell you about all the years of hard work and sacrifice he put in which made that castle his own.

And it took Napoleon Hill all but 3 seconds to tell Andrew Carnegie he was willing to work the next 20 years for him without any sort of pay or compensation in order to succeed.

So in light of what these two great men have accomplished, answer this for me:

"What are YOU willing to pay for your financial freedom?"

What are YOU willing to DO in order to have the things you've always wanted inyour life?

(What price are you going to pay if you DON'T do what it takes!)

People who have little can feel the pain of their circumstances and are more apt to do something to make a change in their lives. This is because we all naturally move toward pleasure and away from pain. Their challenge of course is that they have to learn a whole new way of doing things.

Those who have a lot and still strive to reach higher goals usually have some of the success principles already at work in their lives and need new strategies and paradyms.

Where do YOU fit in here?

Are you struggling to make ends meet? Are you saddled down with mortgages and other types of debt?

Or are you somewhere in the middle…where you have some, just enough to keep you moving on the hamster wheel of life each day?

9 out of 10 people tell me they're 110% committed to doing what it takes to succeed.

You know what? All but 1 or 2 of those 9 people are simply talking and not ready to actually roll up their sleeves and scrape their knuckles getting the work done.

I'm telling you this:

"You have to choose financial freedom and then be willing to do what it takes to make it happen."

You cannot hope for it.
You cannot wish it into existence.
And you cannot gain it from outside yourself.

We don't all have to be Dan Penas and Napoleon Hills.

But take the wisdom from their achievements and make it your own.

If you can't dedicate your next 20 years or if you're not willing to sacrifice the precious moments of being with your family in order to get your own castle, then at least do this:

Take a small step.

Make an extra sales call.

Get up 20 minutes earlier each day to work on your vision or work out your muscles.

Cut out ONE TV show and get working on your future.

Choose It. Commit To It. Make It Happen.

Keith Matthew
Pathways To Power, LLC

P.S. - If you haven't yet picked up a copy of the 'How To Attract Success' Kit, I highly recommend you go here now and get it: http://www.pathwaystopower.com/attract.html 

What Are The Negative Effects Of Stress!

Stress is the "wear and tear" our bodies experience as we adjust to our continually changing environment; it has physical and emotional effects on us and can create positive or negative feelings. As a positive influence, stress can help compel us to action; it can result in a new awareness and an exciting new perspective. As a negative influence, it can result in feelings of distrust, rejection, anger, and depression, which in turn can lead to health problems such as headaches, upset stomach, rashes, insomnia, ulcers, high blood pressure, heart disease, and stroke.

Negative Effects of Stress

In prehistoric times, the physical changes in response to stress were an essential adaptation for meeting natural threats. Even in the modern world, the stress response can be an asset for raising levels of performance during critical events such as a sports activity, an important meeting, or in situations of actual danger or crisis. If stress becomes persistent and low-level, however, all parts of the body's stress apparatus (the brain, heart, lungs, vessels, and muscles) become chronically over- or under-activated. This may produce physical or psychologic damage over time. Acute stress can also be harmful in certain situations.

Stress-related conditions that are most likely to produce negative physical effects include:

1. An accumulation of persistent stressful situations, particularly those that a person cannot easily control (for example, high-pressured work plus an unhappy relationship).

2. Persistent stress following a severe acute response to a traumatic event (such as an automobile accident).

3. An inefficient or insufficient relaxation response.

4. Acute stress in people with serious illness, such as heart disease.

Relieving Stress with a Stress Ball!
Stress balls are wonderful for relieving tension and pent up frustration. Many people will find that when they are going through a period of stress they feel the need to do something with their hands.

For example some people play with the loose change in their pockets while others make patterns and shapes with their fingers or tap them rhythmically on the tabletop.

Stress balls are a cheap alternative to the incessant hand movements that some people find annoying. They can be squeezed over and over again until you feel your nerves calming down because most are made from materials that regain their original shape when they are not being squeezed.

So what are you waiting for? We urge you to find out more about how Stress Balls can benefit you today! 

Biotechnology Timeline: Important Events And Discoveries In Biotechnology

1977:

The Age of biotechnology arrives with "somatostatin" - a human growth hormone-releasing inhibitory factor, the first human protein manufactured in bacteria by Genentech, Inc. A synthetic, recombinant gene was used to clone a protein for the first time.

1978:

Genentech, Inc. and The City of Hope National Medical Center announce the successful laboratory production of human insulin using recombinant DNA technology. Hutchinson and Edgell show it is possible to introduce specific mutations at specific sites in a DNA molecule.

1979:

Sir Walter Bodmer suggests a way of using DNA technology to find gene markers to show up specific genetic diseases and their carriers. John Baxter reports cloning the gene for human growth hormone.

1980:

The prokaryote model, E. coli, is used to produce insulin and other medicine, in human form. Researchers successfully introduce a human gene - one that codes for the protein interferon- into a bacterium. The U.S. patent for gene cloning is awarded to Cohen and Boyer.

1981:

Scientists at Ohio University produce the first transgenic animals by transferring genes from other animals into mice. The first gene-synthesizing machines are developed. Chinese scientists successfully clone a golden carp fish.

1982:

Genentech, Inc. receives approval from the Food and Drug Administration to market genetically engineered human insulin. Applied Biosystems, Inc. introduces the first commercial gas phase protein sequencer.

1983:

The polymerase chain reaction is invented by Kary B Mullis. The first artificial chromosome is synthesized, and the first genetic markers for specific inherited diseases are found.

1984:

Chiron Corp. announces the first cloning and sequencing of the entire human immunodeficiency virus (HIV) genome. Alec Jeffreys introduces technique for DNA fingerprinting to identify individuals. The first genetically engineered vaccine is developed.

1985:

Cetus Corporation's develops GeneAmp polymerase chain reaction (PCR) technology, which could generate billions of copies of a targeted gene sequence in only hours. Scientists find a gene marker for cystic fibrosis on chromosome number 7.

1986:

The first genetically engineered human vaccine - Chiron's Recombivax HB - is approved for the prevention of hepatitis B. A regiment of scientists and technicians at Caltech and Applied Biosystems, Inc. invented the automated DNA fluorescence sequencer.

1987:

The first outdoor tests on a genetically engineered bacterium are allowed. It inhibits frost formation on plants. Genentech's tissue plasminogen activator (tPA), sold as Activase, is approved as a treatment for heart attacks.

1988:

Harvard molecular geneticists Philip Leder and Timothy Stewart awarded the first patent for a genetically altered animal, a mouse that is highly susceptible to breast cancer

1989:

UC Davis scientists develop a recombinant vaccine against the deadly rinderpest virus. The human genome project is set up, a collaboration between scientists from countries around the world to work out the whole of the human genetic code

1990:

The first gene therapy takes place, on a four-year-old girl with an immune-system disorder called ADA deficiency. The human genome project is formally launched.

1991:

Mary-Claire King, of the University of California, Berkeley, finds evidence that a gene on chromosome 17 causes the inherited form of breast cancer and also increases the risk of ovarian cancer. Tracey the first transgenic sheep is born.

1992:

The first liver xenotransplant from one type of animal to another is carried out successfully. Chiron's Proleukin is approved for the treatment of renal cell cancer.

1993:

The FDA declares that genetically engineered foods are "not inherently dangerous" and do not require special regulation. Chiron's Betaseron is approved as the first treatment for multiple sclerosis in 20 years.

1994:

The first genetically engineered food product, the Flavr Savr tomato, gained FDA approval. The first breast cancer gene is discovered. Genentech's Nutropin is approved for the treatment of growth hormone deficiency.

1995:

Researchers at Duke University Medical Center transplanted hearts from genetically altered pigs into baboons, proving that cross-species operations are possible. The bacterium Haemophilus influenzae is the first living organism in the world to have its entire genome sequenced.

1996:

Biogen's Avonex is approved for the treatment of multiple sclerosis. The discovery of a gene associated with Parkinson's disease provides an important new avenue of research into the cause and potential treatment of the debilitating neurological ailment.

1997:

Researchers at Scotland's Roslin Institute report that they have cloned a sheep--named Dolly--from the cell of an adult ewe. The FDA approves Rituxan, the first antibody-based therapy for cancer.

1998:

The first complete animal genome the C.elegans worm is sequenced. James Thomson at Wisconsin and John Gearhart in Baltimore each develop a technique for culturing embryonic stem cells.

1999:

A new medical diagnostic test will for the first time allow quick identification of BSE/CJD a rare but devastating form of neurologic disease transmitted from cattle to humans.

2000:

"Golden Rice," modified to make vitamin A. Cloned pigs are born for the first time in work done by Alan Coleman and his team at PPL, the Edinburgh-based company responsible for Dolly the sheep.

2001:

The sequence of the human genome is published in Science and Nature, making it possible for researchers all over the world to begin developing genetically based treatments for disease.

2002:

Researchers sequence the DNA of rice, and is the first crop to have its genome decoded.

2003:

The sequencing of the human genome is completed.

Understanding Your Dreams

The meaning of dreams has been of interest to mankind throughout history. Dreams come to us in a variety of forms that range from frightening to erotic. We experience images, sounds, sensations, and voices in our dreams that we are unable to influence or control. Do our dreams have special meanings? Are they brought on by incidents that have affected our lives today or possibly sometime in the past?

There are many theories why we dream, where in the brain dreams originate, or even why dreams occur at all. It is not clear what the neurological cause is, or in what phase of sleep dreaming takes place. Many believe dreams are reflections of the unconscious and some that they are predictions of the future or even messages from God. Dreams often inspire artistic and other forms of inspiration. Many dreams of a bizarre or strange nature have been interpreted by some as divine gifts, messages from the past, or predictions of the future.

According to most scientists dreams occur with equal frequency in most people. The ability to recall the dream varies greatly with individuals however. Most dreams it is believed occur during the (REM) sleep, which is a form of sleep that is experienced in the latter portion of the sleep cycle.

According to http://www.wicipedia.orghttp://www.dreams.budsbestbuys.com , both Sigmund Freud and Carl Jung identify dreams as an interaction between the unconscious and the conscious. Jung argued that the dream's bizarre quality is an efficient language, comparable to poetry and uniquely capable of revealing the underlying meaning. While Freud felt there was an active censorship against the unconscious even during sleep. They both agreed that the unconscious mind is the dominant force of the dream.

Lucid Dreams
Many books, charts, dream dictionaries, and even dream software programs are available today for those wishing to understand the meaning of their dreams. The most popular and by far the most intriguing books are about lucid dreaming. A lucid dream is one where the dreamer recognizes they are in a dream and can take control of it. Lucid dreamers have the power to control their dreams and are capable of creating many fantasies such as making new objects appear, change their form, or even fly. There are many forms of lucid dreams, having in common the fact that at some point in the dream the dreamer recognizes the experience as a dream. While lucid dreaming has been proven to exist, frequent lucid dreaming requires much practice and dedication. Many people practice specific techniques of lucid dreaming for personal or spiritual purposes.

For more information about dreams and their meanings, a complete A to Z free dream dictionary, and an outstanding book about lucid dreams, visit The The Dream Dictionary at:http://www.dreams.selectionsguide.com

Speak Your Mind!

For most people, the mere thought of speaking before an audience causes men's hands to go clammy and their hearts to pound like a kettledrum. Statistics show that people fear public speaking more than they do their own deaths. It shows that for the majority, people would rather die in silence than take a chance to speak their minds in society. Maybe it's conformity and a fear of saying something irrelevant.

The importance in public speaking lies in the fact that as social organisms, the ability to get your message across in the right way will do more good for you than the attempt to do a better job. Hunkering down faithfully to work is virtually useless if the boss does not even notice it.

The importance of public speaking is that it is inevitable. Sooner or later, you will be forced to enter the arena and speak to a sea of eyes and ears. Before that happens, it would always be better to meet that challenge on your terms.

Here are some points to ponder:

1. Career. People at work who can communicate better go up the ladder faster. Employers prefer hiring people with public speaking and communication skills. This is because speaking with your colleagues puts them at ease about you, helps you get your job done faster, and gets what you want done across much more easier.

2. Mental. You feel better about yourself. Successfully speaking before a live, listening audience improves your self-confidence, poise, character and sense of fun. You become less self-conscious, nervous, and can control higher levels of stress. This does not mean you won't make mistakes. Expect to make mistakes the first few times; learn from them, and keep on going. If you're consistent, that paralyzing fear of speaking to a large audience will be a thing of the past.

3. Opportunities. Public speaking positively impacts all aspects of your life. Being able to speak publicly opens up new opportunities unimagined in your former life. You will find yourself more eager to participate in causes you sincerely believe in, interact more with people of the opposite sex. You will find yourself assertively asking questions to clear up a problem, take the lead in a cause, or calmly explain a thorny situation without losing it. The effect of public speaking on your life is exponential.

Public speaking is an essential addition to the human repertoire. Technical knowledge is just as vital, but the ability to speak well takes your abilities and talents beyond the borders of your own skin and into the hearts and minds of others.