January 5th, 2009
In the likely case that you do not understand gaming establishment card playing, please keep reading — In the name of clarity, a betting hall is a construction that presents games. Here, customers can bet going for the slot-machines or different pastimes of luck. Betting hall games mainly have mathematically derived chances incorporated which maintain that the management keeps hold of its versus the betters.
A legion of casino games can make you end up far too infatuated rapidly. Let’s scrutinize the vintage slotmachine, an electronic contraption with three cogs which orbit once a lever affixed to it is operated. This contraption frequently pays up in alignment with a succession of logos displayed on the display of the machine. Deplorably, gambling house pastimes put forward a delusion of being in control, effectively tricking the visitor — the punter is presented decisions, but they cannot hope to really compensate for the player’s long-term odds. That is brought about by the the gambling saloongambling house never refunding the full sum as expected. This tactic is often seen at work in well known casino games like seven card stud, dice games, roulette or blackjack.
Blind Poker is indeed an incredibly trendy casino game. The bettors, holding fully hidden cards, place their stakes in the pot that is then given to the winning player holding the best combination of cards. (Of course, the bluff may actually win as well…) Commensurate with seven-card stud poker, blackjack is also a very fashionable casino pastime. Most of its repute is due to the mix of chance and smartness & choice making, and a procedure tagged “counting”. It is a particularly demanding strategy by which gamblers may significantly skew the arm of chance of the game to their advantage both by betting & systematic actions based on the hands dealt.
“Craps” is the name of another well-known wagering game based on the throw of a couple of dice. Gamblers have to place bets on the outcome of of 1 spin, or on a succession of spins on 2 dice. Contrary to blackjack, there’s absolutely no proven bona fide winner strategy punters can put to use to boost the chances. Roulette is another prominent casino game of chance; a croupier revolves a roulette wheel which encloses thirtyseven (as applicable to European roulette) or, respectively exactly thirty-eight (American or Vegas roulette) differently tagged divisions in which the white pellet will come to rest, thus determining the winner When a punter has wagered on a number which makes it meaning it is indeed lucky, the set recompense is 35 to one, the wager is given back. Consequently in total it is multiplied by a factor of thirty six.
Do your best to stay very very attentive nevertheless as these gambling house gambling pastimes may well be pretty habituating. Myriad lives may have been wasted thru inordinate gambling + even if it definitely seems enjoyable, do your best to keep your cool.
Intertops Casino
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January 5th, 2009
You’ve got a concept for a business, are excited about putting it out on the Internet, know a little bit about computers and the Internet, but know nothing about building a web site, or web design.
You can still be highly successful and save money by doing the job yourself so long as you’ve got the willingness to learn and the time to spend on the project. It can be fun … and it should be.
The contents of this article will greatly improve your knowledge of web design without causing you to feel overwhelmed. Keep this article as a reference point, check off each part as you go through the process of development, and, in due time, you will have an effective web site for marketing the information, product, or service you wish to provide to your customers.
Domain Name
Keep it short and relevant to your business. Do not get frustrated trying to lock down a domain name by settling on anything to get you web space. You will soon realize that every word on your web site has relevancy to its success. Register for no less than two years. Serious businesses don’t renew yearly. You have to show that you’re going to be sticking around.
Web Hosting
Don’t mess around with small time web hosting. Affiliate yourself with a reputable company that provides top-notch service, as the rewards with regards to security and support are worth the extra dollar.
Web Site Construction
The basis by which people choose to build their web site is at their discretion. Microsoft FrontPage is a worthy choice for those of you who are new to web development and starting from scratch. Instead of reading books to learn about web design and development, you may be much better off using Google, MSN, or Yahoo to find the answers to your questions. Use “quotations” around your question in a search bar to get more specific answers.
Layout
Building your web site on a template is a fine way to start, but you may want to learn how to build from nothing. The mistakes that you may make along the way will prove invaluable. It is strongly recommended that you go with Tables instead of Frames, and if you don’t have a clue what either means, just do a little reading about the two on the Internet before you start building.
Resolution
It would be a safe bet to keep your web site at no more than 750 pixels wide, regardless of the fact that more and more people are going to 1024×768. If your site is geared towards older folk, then you can count on the majority being at 800×600 for easier reading. You don’t want to alienate your visitors by having them scroll to see the whole page. Be sure to check that your web site pages show up the same in all browsers.
The Intro
Never ever put “Under Construction” or any other type of phrase that says that you are incomplete on your web site. Your site is young … it is never incomplete. Try to refrain from saying “Welcome to …”. You should think of your web space as being real estate. The space you use up with unnecessary text is a waste of advertising.
The Text
Keywords, their place on a web page, whether they are bolded or not, and the number of times each word appears on a web page are factors that determine how high you end up in search results.
HTML Tags
Before I say anything further, don’t get freaked out by HTML code. It not as hard as it looks. Again, do a little reading on the Internet … this time about Meta Tags and Keywords. You will have to make sure that your Title, Description, and Keyword Meta Tags are bang on with the text on each web page you build. You can use many free Tag Analyzers found on the Internet to check relevancies.
Graphics
Graphics increase load time and looks. There’s a fine line between too little and too much. Use customers, not friends and family to gauge what is appropriate for the way your web site will look.
Random Tips
You may need to read a little to learn how to implement some of these tips, but nonetheless, they are here for your consideration to improve the placement of your web site in search results:
1) Make sure your TITLE is right below the HEAD in the HTML code. 2)Use one or two keywords in an ALT Tag to describe your images. 3) Get links pointing at you from sites sharing similar content.
Austin Culley is the Chief Operating Officer for Oil-Net.Com Inc.
http://www.oil-net.com
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January 5th, 2009
An amortization schedule, in general, is a record of loan or mortgage payments. This record includes the payment number, date, amount, breakdown of principal and interest and the remaining balance owed after the payment. Here is an example on how an amortization schedule is calculated.
Let’s say a person has been loaned $10,000 from a lender. The annual interest rate (AIR) is 12% with a payment of $350 each month to the lender. Twelve percent per year is one percent per month. The lender gives him the $10,000 on June 15th - the advance date; and one month later (July 15th), the first monthly payment is due.
The lender multiplies the monthly interest factor times the outstanding balance and the interest owed for the first month is $100.00 (.12 x 10,000/12), which is done at the end of the month. $250 of the monthly payment is applied towards the principal and the balance owed to the Lender. This is done immediately after the borrower gives the lender the $350 payment and balanced owed is $9,750.00.
The interest for the borrowed money is calculated and taken first whenever any payment is made. The remaining amount goes towards reducing the principal. A negative amortization schedule is produced and the principal owing starts to increase if the payment doesn’t to cover the interest. The interest shortfall is added to the balance.
The next monthly payment is due on August 15th, the balance owed is $9,750 and the interest owed for the use of the money for the second month is 0.01 x 9,750 = 97.50. $252.50, hence, is applied against the loan or mortgage. The balance owing immediately after that second payment is $9,497.50.
Amortization Schedule provides detailed information about amortization schedules, amortization schedule calculators, create an amortization schedule, free amortization schedule calculators and more. Amortization Schedule is the sister site of Best Interest Only Loans.
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January 4th, 2009
Only you can call me into aliveness. Each time you try to understand and because you really care, my heart begins to grow wings, very small wings, very feeble wings, but wings. With your sensitivity and sympathy, and your power of understanding, you can breathe life into me. ~ Charles C. Finn
Life is our brief precious time to feelto experience love, laughter, and wonderto design and contribute our unique creations and expressions of who we are and what we want to leave behind.
I paused to think about this gift of life, mysterious and marvelous. Filled with roller coaster highs and lows, each moment of life is exhilarating.
Our living energy continuously moves and changes, always seeking increase and offering abundance. I asked, “How do I celebrate this precious gift of life?”
Here are ten ways I like to celebrate being alive.
- Walking though nature, and noticing the perfection in each intimate landscape.
- Going to special places that fill me with energy; allowing that energy to wash away negativity; simply being instead of wanting or doing.
- Hiking up the trail to a mountaintop in summer; skiing down from a mountaintop in winter.
- Looking through an album filled with photos of friends and the places we have traveled.
- Doing a favor for someone I have never met and making a new friend.
- Enjoying the company of friends and family; laughing together and exchanging jokes, stories, and experiences.
- Looking into a starry sky and imagining just how far it actually reaches.
- Sharing experiences, joys, hopes, and future dreams with a friend.
- Fully experiencing each moment and its emotions; remembering that all emotions are part of being alive.
- Giving thanks to the Creator for allowing me to live on this planet, for friends and family, and for a gift so complete and perfect as life.
There is a beautiful quote by Frederick Buechner:
Listen to your life. See it for the fathomless mystery that it is. In the boredom and pain of it no less than in the excitement and gladness: touch, taste, smell your way to the holy and hidden heart of it, because in the last analysis, all moments are key moments, and life itself is grace.
Allow your heart to grow wings. Savor every moment of life and reflect deeply on each experience. Celebrate the peaks and valleys. Become aware of the authentic joy that continually binds moment to moment, year to year, and generation to generation.
Most importantly, give life the best you have, and life will give its best back to you.
© Copyright by Steve Brunkhorst. Steve is a professional life success coach, motivational author, and the editor of Achieve! 60-Second Nuggets of Inspiration, a popular mini-zine bringing great stories, motivational nuggets, and inspiring thoughts to help you achieve more in your career and personal life. Get the next issue by visiting http://www.AchieveEzine.com
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January 2nd, 2009
WebSolutions is proud to boast that the majority of our clients are either repeat clients or client referrals. What this tells us is that we are doing something right. When we take on a customer, we look to work with that customer as their Internet consultant. Regardless of whether we provide the service they are looking for, we are happy to lend our opinion and help you make your decision. A question we frequently get asked is, “how do we know when it is time to redesign our Web site?” The answer undoubtedly varies.
The first thing to analyze is your existing Web presence. What kind of traffic are you receiving? Are you getting a lot of calls from Web site users? When you navigate the site, is it easy to find what you are looking for? Is the data still current or do you still list products that have been discontinued since 1999? Make a list of the things you like and don’t like about your existing site. This will give you a good starting point.
The next thing to do is to talk to a few of your customers and ask them what they think of your site, if they use it often, etc.. This will provide you with outside feedback and will hopefully generate ideas for your next step, which is to generate a wish list. This list should contain features or functionality that you’d like to see incorporated into your site. While some of the items may be cost prohibitive, it benefits you to know that and us to know the direction you’re looking to go. On the flip side, something you think might be too expensive may in fact, cost less than you think.
Finally, take a look at your competitor’s Web sites and see what they are doing. In addition, make a list of Web sites that you frequent with notes about what you like or don’t like about them. This will give us a sense of your design taste. Though almost every customer says “I want my site to look like nothing else that’s out there,” there are certain characteristics that are prevalent in well-designed Web sites.
When this process is complete, you should have a good idea as to how your Web site stacks up and whether you’re in need of a redesign. You may complete this process and decide that your site is doing as well as it can currently. You may also conclude that your current site is hurting more than it’s helping your business. Either way, it’s worth the time to evaluate how your Web site is performing because it is the one marketing tool that is accessible by anyone, anywhere, anytime.
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January 2nd, 2009
Let’s face it. Building a web site that browses consistently on multiple platforms and multiple browsers is not always as easy as we would like.
It is safe to say that most designers spend most of their time building their sites on a given platform. Those with the highest standards should, upon completion, take a look at their creation in different browsers and different platforms.
Sure, you could see how it looks in Window 98 with Internet Explorer and let that be good enough, but do you really want to risk a bad web experience for millions and millions of potential visitors? Consider this….
A recent statistic I saw reported that 12% of internet users were Macintosh users. Ignoring this fact is like creating a catalog that can only be optimally viewed by one in eight of your customers.Furthermore, not all of the Windows users are using Windows 98. Windows 95 continues to be widely used, and Windows 2000 and NT represent a significant percentage of visitors.
It would be remiss to ignore the small, but growing contingency of Linux users. Though small in number at this time, the popularity of the OS grows daily.
Platform issues aside, Internet Explorer, despite Microsoft’s inclusion of it with all Windows Installations, does not represent the only browser option. Netscape continues to enjoy a strong following of users numbering in the millions, and Lotus Notes is being used by numerous corporations as the “standard” browser and e-mail application.
Then, of course, there is AOL. Although basically an IE engine “under the hood” AOL continues to include certain differences. Considering the vast numbers of AOL users, this browser must not be overlooked. If your site does not look good in AOL, then you are risking turning away a huge percentage of potential visitors.
It should be clear that cross platform and multiple browser compatibility is a must. Therefore, understanding a few very basic and simple techniques to help keep your pages looking their best in the most places is also a must. Following, you will find a few tips and ideas to help you do just that.
#1 Paint the canvas your visitors will see
As a web site designer wanting to be as efficient in my work as possible, I have configured my Mac to use two monitors. As my mouse leaves the screen of one, it appears on the other. Thus, I have a canvas that, on most days, is 1856 pixels wide over 32 horizontal inches. If I want to, I can easily boost that to over 2000 pixels wide. But, my clients and the average visitor on the web do not have two monitors. In fact, most of them have the screen resolution set to 800 X 600 or 1024 X 768. What’s more, every single time I have gone to a client who uses AOL, their browser window opens to what looks to be a 640 pixel wide default no mater how large the monitor or screen resolution.
On one of my first projects, I had designed a site to a modest 700 pixel wide format with a nice top navigation area. I went to my clients office to get some “point and discuss” feedback to find her new 21 inch monitor — set at 640X480 resolution. My designs looked terrible!
If you intend your web site to appeal to the broadest range of visitors, you need to design in a way that will look good even at low resolutions. Check with some of your typical visitors and see what kind of resolutions they normally use.
#2 Use Tables to Control Width
Tables are great things when trying to control the way text and images go together. In order to achieve a nice looking design, using tables is the first technique to consider.
Tables can be assigned a fixed width in pixels or a fixed percentage of the window width. There are advantages to both approaches. If you are not concerned about the relative vertical arrangement of objects in a table cell, using the fixed percentage allows for more fluid layouts.
If, however, you want to keep text wrapped around an image with more consistency, using the percent approach could lead to major differences. Text will wrap quite differently in a cells of different pixel widths.
To have better control, consider using fixed pixel width. However, you must now start making some compromises. If you want to offer a site that looks good at 640X480, you will need to set your table width to 600 — 620 MAX! You will want to center the table in the window to provide a nice look when wider windows are used. However, if your visitor has monitor resolutions set to 1600X800 and has the browser “maximized” your page will have 500 pixels of blank space on either side of your 600 pixel table.
Fortunately, few people will be browsing at this configuration. My experience visiting clients, friends, and family suggests that, even if monitor resolution is set at over 1000 pixels, the actual width of the browser window will be reduced to something less.
You must decide if you will risk an odd looking page for those few who have HUGE monitor resolution or risk the annoying scroll bar for those with the basic 640X480
#3 Compromise your Font Use.
Supposing you select a fixed width table and have a cell that is 300 pixels wide. You write a headline in this cell, pick a font, and size it to look just right. Good for you. Too bad that headline will come up different on different systems.
Even on the same computer, there are very slight differences between how Netscape and IE render fonts. Remember the 1 in 8 visitor using a Mac? For technical reason it is beyond the scope of this article to describe, fonts are significantly smaller on a Mac than on Windows. Don’t forget that your visitors can also set the default size for font display in their browser, too. If they do that, you are really starting to lose control of how fonts are displayed!
One solution is to use cascading style sheets, but that technique goes beyond the casual designer’s typical experiences. The other solution is to compromise. Make sure that it looks good on the predominant platform — currently Windows — but don’t use the smallest font possible either or your Mac visitors won’t be able to read it!
#4 Check Your Final on Multiple Platforms
I commit to my web design clients that their site will be look good to ALL visitors. To make sure this is the case, I have an Intel computer as well as my Macintosh. I have the Intel computer configured to boot into Windows 98, Windows 2000, and Linux. I test all the pages I design in these environments. I test in both Netscape and Internet Explorer on the Windows systems and the Mac. I enlist a partner to test with Lotus Notes and AOL.
This may seem excessive, but frequently there will be some little thing that shows up in one of the platform/browser configurations that requires some minor correction. Would it be good enough if I did not make the correction? Probably. However, it is always best to make a good first impression and on the web, where you have about 5 to 7 seconds to get visitors to commit to take an actual look, every little thing counts.
If you do not have access to multiple platforms, enlist your friends. Stop by a library or a Kinkos and use their computers (often these places may have Macintosh computers as well as Windows computers).
These four simple suggestions are the beginning of a journey toward the much larger goal of making the content of your web site universally available to your visitors. Ultimately, reaching this goal depends upon many factors. However, progress toward this goal must commence with awareness.
Understanding that your site will appear differently on different browsers and based on different user preference settings is an important first step toward awareness. Using tables and being conscientious with your use of fonts takes you one step further. Checking your work on various systems will begin to hint at how much further you have to go.
But, every journey must begin somewhere….
About The Author
David Bell
# 1 Internet Marketing Agency -Online Advertising Agency
Advertising research and development center
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January 1st, 2009
Have you ever wished you could purchase a property overseas outside your own host country?
Are you worried about the implications and how to go about the procedures?
Therefore, to assist you further, the following “top tips” may be of help:-
1. Never sign a contract that you do not understand (for example - if it is in a foreign language or a "supposed translation" into your own language, without getting it checked by an expert).
2. Always ensure that you seek specialist advice from independent Solicitors, Architects and Surveyors before considering a purchase overseas. They should be proficient in your chosen country's laws and processes and also know the specifics involved in buying a property there.
3. Before proceeding with the purchase (and would especially apply to a re-sale property, regardless of age), ensure an Independent Valuation of the property is carried out, which should point out any problems with the property - ie: subsidence, damp, wiring defects - and could also possibly highlight any boundary disputes etc.
4. Ensure you do not inherit a debt on the property before you purchase, which a solicitor should be able to check - ie: If the developer has borrowed money to build the development and this amount has been allocated against each plot as additional security to the developer's bank.
5. Always give yourself a `cooling off` period if you see a `must-have property` and are tempted to put down a deposit there and then.
6. If you are arranging finance on the property, ensure that this is stated in any contract and you have an 'opt-out clause' if the loan is not agreed (which will ensure any deposit paid is refunded).
7. Try to arrange your mortgage finance 'in principle' - before agreeing to purchase the property, or before signing any contracts and paying over a deposit.
8. Arrange your mortgage in the currency that you earn in where possible, unless you are going to receive rental income from that property in the local currency and then this may be a possible alternative option, dependent on the lender's criteria.
9. Think about combining your cash with friends or family: it could bring a Villa with pool within your financial reach, rather than simply an Apartment.
10. Check with the Estate Agent or vendor that you are aware of the costs charged by the legal and government authorities for purchasing a property in your chosen country.
11. Open a bank account in your chosen country and ensure you get a Certificate of Importation for the money you bring in from your home country.
12. Set up standing orders in a local bank account to meet bills and taxes. Failure to pay your taxes in some countries, such as France, Portugal and Spain, could lead to court action and possible seizure of your property.
13. Remember that bills do not end at the asking price. Lawyer's fees, Taxes, Insurance etc must all be met in your host country and can often be more expensive.
Simon Conn has been involved in arranging finance on overseas properties for over 25 years and is currently Managing Director of one of the UK’s leading specialist Overseas Mortgage Brokerage.
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December 31st, 2008
Referrals aren’t generated, they just happen, right? While many businesses believe this, it is a common marketing myth. Most businesses assume that referrals just happen by chance when someone tells another person about their experience with the products or services they’ve received. While word-of-mouth has always been an obscure concept and certainly unpredictable, new Internet technologies are making it easier than ever to nudge along and follow its momentum.
The Difference Between Referrals and Word-of-Mouth
Before you begin a word-of-mouth or referral advertising campaign, you should understand the difference between the two. While referrals and word-of-mouth (WOM) can both help to promote business, referrals go further, allowing customers to actually participate in the sales process. This participation may include a face-to-face, telephone or email introduction. And although a referral begins with word-of-mouth, word-of-mouth does not always generate a referral.
Successful referral lead generation starts when a marketer or business owner adopts a new mindset about referrals, recognizing the sales potential available through a warm market. A warm market includes those customers, vendors or other businesses that have worked with you in the past or have purchased your products or services, and had a good experience. Utilizing this warm market, plus integrating some kind of a customer relations referral system, promotes successful lead generation and keeps your business on track.
Cold Leads or Warm Referrals?
Many businesses are just too busy pursuing customers to take time and learn how to get customers to pursue them. They say people change for one of two reasons; pleasure or pain. Unless the pain is painful enough, many businesses would rather continue pumping money into ineffective advertising outlets or purchasing leads from brokers.
This is especially true for certain industries like the mortgage industry where lead purchasing is a mainstay. A cold lead is an individual or contact that is not familiar with your business, and has never purchased your products or services before. These leads demand the longest buying process and reaching them is challenging because it requires repeated message saturation to achieve optimal results or client conversion.
Today, higher advertising costs, increased competition, an overly-saturated consumer marketplace, and lower ROI are making business owners and marketers alike take a second look at referral marketing as an alternative to standard advertising methods that just don’t seem to bring in the results they used to. Which sounds better, a cold lead or a warm referral?
When statistics show that up to 45% of most businesses are chosen based on the recommendations of others, why do businesses and marketers still continue to throw their hard earned marketing dollars at a cold market?
The Internet offers hope through interactivity, affordability and accessibility. New technological resources are readily available to us, to help support referral generating efforts and make it easier to spread word of mouth. Unlike rising gas prices, we can actually fight back against rising ad cost by using the Internet to improve customer retention and facilitate in the referral generating process. Satisfied customer advocates are our best selling asset and they’re also the best defense against rising advertising costs.
Some ways in which technology can be used to grow referrals and save ad spend:
Permission Based Emails - a vehicle to “get the word out”
Refer a Friend links - makes it easier to forward information to others
e-Newsletters - simple and low cost way to stay top of mind
Audio and Video Testimonials - increases credibility and trust
Electronic gift cards - low cost, efficient way to send and track rewards
Affiliate Web Links - added exposure with reciprocal referral partnerships
Diana D’Itri is the Exec VP of Ravebiz, a leading referral marketing and technology company. She’s a key driving force behind educating clients on how to generate more quality referred customers through practical applications and an automated, web based system called the Rave APG eReferral.
For a free download “31 tips for boosting referral business” go to http://www.ravebiz.com Diana can be reached at (866) 284-3020 or email her at diana@ravebiz.com.
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December 31st, 2008
Mortgage Leads, Junk vs. Real Time
If you are a loan officer or mortgage broker and you are on the market for mortgage leads, you may want to research the companies you are considering to determine exactly what kind of leads you will be receiving. Not to mention, where they are coming from.
A junk lead is classified as a lead that is old or recycled by many loan officers and many lead companies. It may come cheap, but chances are, it won’t be worth the two dollars you spent on it.
A real time lead is a lead that is considered fresh. Meaning, you will receive it on the same day the applicant fills out the on-line form. If the lead is any older than a day, it can hardly be considered real time.
When researching mortgage lead companies, be sure to find out where the mortgage lead company is obtaining their leads from.
If they obtain them from web sites they own and operate themselves, where they are directing potential clients to fill out on-line forms, you can safely assume that you will be receiving fresh, real time leads.
If the customer service rep for the mortgage lead company you are considering starts dodging your questions, than you can safely assume that the leads are not fresh.
This is not to say that the lead company does not have good leads to offer, but it would be wise on your part to find out exactly where the leads are coming from to be sure you are getting the best quality leads for your money.
In the end, it all depends on what you are looking for. Quality or quantity.
Quantity will most likely get you hang ups and answers such as ” I closed that loan weeks ago,” or “I filled out that application months ago.” If you are tired of these scenarios, you should definitely consider going with quality mortgage leads, otherwise known as real time mortgage leads, it just might be worth your while. Best of luck.
Jay Conners has more than fifteen years of experience in the banking and Mortgage Industry, He is the owner of http://www.jconners.com, a mortgage resource site, he is also the owner of http://www.callprospect.com, a mortgage lead company.
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December 31st, 2008
It was the program at my service club’s weekly luncheon meeting - a film, a simple film, really. No special effects, no musical crescendos, just a short filming about a man named Leo. It ended with most of us in deep thought. A bank president’s summed up our collective thoughts.
“Do you get the feeling you haven’t done as much with your life as you might?”
Leo was a man in his 60’s at the time of the filming - dwarfed and extremely
deformed. In fact, one of the most physically impaired persons I had seen. Even so
nothing in the film made you feel sorry for him. Rather you thought about yourself
and what you were doing with your life.
The film showed Leo as a proud, independent owner of a one-man business, a
shopkeeper - of sorts. His shop was portable. It was a large, moveable case that
when opened, displayed his wares of sundry items such as pencils, writing paper
and the like.
Leo lived on a farm with his uncle. An old hand-built combination wooden wagon
and scooter gave him mobility around the house and farm. Some years after he
reached manhood his mother died, and with the help of his uncle they outfitted a
tractor with a small crane. Each working day Leo struggled to board the tractor,
operate the crane to hoist his profitable business with its cart onto the tractor and
drive into the nearby town.
He parked his rig on the street in the town’s business district. Then he began his
arduous routine of opening for business. Aided by the crane he laboriously moved
his store from the tractor onto the sidewalk. Next he maneuvered himself onto his
cart and, using his feet, pushed up to the store. With gnarled fingers he patiently
removed the metal nuts from the bolts that held some of the wooden fixtures on the
front of the store crate. Once loosed he rearranged the parts and tightened the
nuts again. With that task done he used his feet to push himself and his cart up
onto the sidewalk and sat in front of his store. Open for business. The display sign
on his cart read: “Satisfaction Guaranteed.”
Leo was a business man; the cart and container, his business establishment.
There on the sidewalk he sold his merchandise. To complete any transaction, he
spread his coins on a flat surface, and carefully counted the proper change for his
customers. He would accept no more than a fair market price. An honest price for
honest service.
Leo had been doing this for years, ever since his mother died. She had cared for him
and protected him from the harshness of the world. But once on his own he wanted
to establish his independence. He was proud to be in business and frugal with his
earnings. He used part of it to pursue his life goal: “Helping those who were less
fortunate” than he.
We watched the final scene with sorrow. It showed Leo driving his tractor
down the country road to his home after his day’s work. But the sorrow we felt was
not for Leo, it was for ourselves. The film turned our focus inward, and as a bank
president said at its conclusion, “It makes you wonder what you’re doing with your
life?”
The inspiration of Leo was not that he overcame a severe handicap, although
he certainly did that. But in watching him drive off into the distance, we knew we
were watching a man who had found life where it matters - within. We knew there
was no substitute for that. If we don’t find life within ourselves, we won’t find it at
all.
(c) Cy Eberhart 2006
As a hospital chaplain Cy Eberhart, (now retired) was a firsthand witness to the
entire spectrum of human emotions: personal successes and failures; the deepest
despairs and the great peaks of joy. Two questions remained foremost in his mind:
How was it that some could find inner strengths that brought courage and hope and
others could not? What was to be learned from these experiences that would have a
positive and creative effect for daily, routine living?
His lectures, writings, workshops, book In the Presence of Humor and his living-history
performances of America’s famed humorist
Will Rogers offers some of the
answers.
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