The Untold Secrets of Writing Best Selling Childrens Books

Ever wondered how the most successful children's book writers get their ideas? The answer may surprise you.

Most children's books are based on the same exact story - good versus evil.

Ex. Harry Potter vs Voldomort. Cinderella vs her wicked stepmother. Pinnochio's conscience vs. outside influences.

Next we add a protagonist and an antagonist.

Ex. Don't we love it when Harry Potter and Malfoy get into it? Or when Hansel and Gretel turn the tables on the witch?

Finally a best selling story needs conflict and a big problem that the main character needs to overcome.

Ex. If Harry lets Lord Voldemort come back without a fight, the fate of the magic world could be at risk.

Ex. If Violet, Klaus, and Sunny Baudelaire don't outsmart Count Olaf then their fortunes and their lives might be at risk.

Most inexperienced writers spend so much time thinking about the setting, the scenery and the color of their characters hair that they forget that the plot is what editors and their audience is looking for.

Hogwarts is a wonderful school. But who would care about it without Harry Potter and his friends.

The castle in Sleeping Beauty would just be another castle in the middle of nowhere without the princess and her prince.

And the three little pigs houses could have been made of snow, cotton or peanuts for all we would care without three clever little pigs and a wolf.

Kids love it when good triumphs over evil. Give them a story they can cheer over.

Also spend time really getting to know your characters. Create a history for each character, even if most of their histories will never see the inside of your book.

Your characters must seem real. Your audience must be able to relate to them and really care about what happens to them.

That in a nutshell is how you write a best selling children's book. The editing, minor scenic details and hand wringing anxiety can come after you finish the book.

Caterina Christakos is a published author and children's book writer. Learn how to write a children's book in 30 days or less at: http://www.howtowriteachildrensbook.com

Summer Vacations: 7 Universal Laws for Survival

Summer vacations - what better topic could there be for a mental health column than one so likely to separate you from your own mental health?

With that notion in mind, here are 7 Universal Laws for Summer Vacations.

The Law of Preparedness: It's been said that "prior planning prevents poor performance." Planning for a vacation is one of those interesting paradoxes of life: the more you plan, the more room there is to have fun.

The Law of Plan B (or C, D, etc.): If it's good to plan, then it's also good to have a back-up plan, sometimes more than one. What are you going to do if they have lost your reservation or your luggage? What are you going to do if the amusement park or other attraction you have traveled so far to see is closed for the day?

The Law of Good Time: Sometimes parents, and not just men, measure the worth of a vacation by how fast you can get from point A to point B. Sorry to disappoint you, but being able to say "we made good time" is not the mark of a good vacation.

Instead of asking "how fast can we get there?" ask "in how many ways can we make this a very good time for everybody?" Being able to say "we had a really good time" is the outcome you want. Remember, the point is not to make good time, the point is to make good memories.

The Law of "Are We There Yet?": If you are traveling with small children, it's important to remember that their concept of time is very different from ours. As a matter of fact, their perceptions and concepts of most things are very different from ours.

When it comes to state lines, time or any other conceptual area, we have to put it in terms they will understand. Several years ago my wife came up with the "finger approach" to understanding time. A finger equals one hour. So if a trip took five hours, then it was a five-finger trip.

The answer to the question "how much longeeeeeeerrrr!" then became two fingers if it was two hours. I still haven't figured out what fingers have to do with time, all I know is that it works.

The Law of Traditional Obligation: If going to the same place at the same time to see the same people works for you, then by all means go and have a good time. If you are doing it only out of drudgery and obligation, perhaps this is the year to break with tradition and begin a few traditions of your own.

The Law of Pace: Many families tell me they feel as if they need a vacation from their vacation when they return. One reason is that many folks try to schedule their vacations just as they do the rest of their lives, which results in stress, irritation and disappointment.

If your vacation goal is to see as many people, places and things in as few days as possible, you need to change your vacation goals.

For that matter, why have goals on vacation anyway?

Slow down. Perhaps even stop. Enjoy a slower pace.

I know I'm starting to relax when I wonder what day it is, and then realize it doesn't matter.

The Law of PRP: PRP stands for "Post Reinforcement Pause," which is a fancy psychological way of describing what it feels like to get back to the normal routine after lots of good stuff.

Some folks struggle with feeling a little down as they get back to normal life after a vacation. One way to handle and prepare for this is to schedule something fun two or three weeks after you get back.

Having something to look forward to always helps.

Jeff Herring, MS, LMFT, is a marriage and family therapist specializing in working with teenagers and their parents. A nationally syndicated relationship columnist and speaker, Jeff is also the founder and CEO of http://www.ParentingYourTeenager.com, where you can subscribe to his free internet newsletter "ParentingYourTeenager." E-mail Jeff at jeff@parentingyourteenager.com

Belief, Designed For Life!

Liam says to Joe; "where is your God now, when life can be made in a laboratory"?

Joe says to Liam; "it couldn't have happened, but for the presence of God".

It was a short debate involving two non-scientific people, but wasn't it interesting?

While Liam set out to demolish Joe's faith, he was left with a simple retort that quietened him. In this case, the non-believer lost because he had nothing substantial to believe in.

And the believer, far from a theologian, won the debate because he had.

While the above centred on religion, can't it be applied to belief in anything?

There is not a court in the world that can change your belief, should you insist on it, whatever about changing your physical position.

Whether you are locked up or executed even, the will can be more difficult to break than the life.

This has been the case since we began, but appears more vulgar when weighed against advances in civilisation, in its negative state, anyway. There would be no war but for this primitive remit.

With everyday, more civil matters, it is belief that drives everything that is driven with speed, and is more potent than desire.

Most people know someone that gives 100% focus and attention to what they do. They often suceed.

Indeed, if we bring the process further back, not much in time but in our time and pre-birth situation, something kept us going.

Call it innate or a component of our primitive remit; something powerful gets us to our first breath. And it wasn't easy, even if we forget it.

A lot of us know people with such single-mindedness or focus that they appear oblivious to most other matters, and sometimes crazy.

This is the raw side of it, as we can only zoom in on one hundred matters with one-hundredth attention.

Love and its implied blindness are helped by such conviction. If it is not believed in, then failure is more possible and less attention to it will reflect in its result.

Those that use conscious or sub-conscious tools such as affirmation are at least, devoting more time to it.

Many "believe" that self-belief can be cultured, and it probably can but is more difficult for some and dependent on the circumstances.

Someone with fifteen kids, for example, cannot with good conscious become a "new me" too easily. Well not to the extent that a single person can, so there will always be variables, and always be hope, hopefully.

Such family bound people can at the least, take smaller steps towards the bigger picture. A long-term plan can be initiated and five minutes a day towards it, can surely be found.

That person in a crisis, lifting many times their own weight, can do so because the weight itself is not their primary issue and some body chemistry will come to help. This is another component of culturing, and why culturing is possible.

So Joe is more content and secure in his belief, and Liam is insecure and argumentative. No one can really say that either is right. Well they can! But what will work for the individual?

"There must be some benefit to belief, I believe".

About The Author

Seamus Dolly is at www.CountControl.com

How To Get Rich Giving Away Something Free

The best of all worlds is to have a product you can give away free and still make money. That world exists. The product need not be expensive or elaborate. It can be something simple - a sticker with a happy face, a pen with a logo, or some other intriguing item.

This marketing approach is excellent because you can give the product away, charging the recipients only a nominal fee for postage and handling. If you price your shipping fees correctly, you can make thousands of dollars a month.

So how do you let people know about the gifts you have waiting for them? The best way is by placing classified ads in national magazines, an enormously successful method. Small classified advertisements in such national publications as Popular Mechanix, and The National Enquirer produce excellent returns on such items, National publications such as these sell millions of copies each week or month. Even a tiny return from this kind of large readership means thousands of dollars in your pocket. One advertiser noted his ads have generated returns of seven times the cost of the classified ad. Other advertisers have done even better.

To put together your own ad, begin by studying the classified ads in these national publications. Study every issue you can find.. Note the ads that show up issue after issue. These marketers have created a money-generating format, and they're taking full advantage of it.

Study the long-running ads. Note that they're short, but they contain a nugget of appeal that makes you want to send your money immediately.

Now try drafting your own ads. write several versions that you can try in different national publications. The ad should be simple but hard-hitting. You want the reader to respond immediately. Use the words that create an attractive picture of your product for the reader.

You don't have to charge much for your giveaway product. Aim for high sales volumes at low prices, a proven technique in this market. If you come up with an ad that grabs reader's interest, the money will flow your way.

If you cannot find any good freebies to give away and earn money, you can visit http://www.best-internet-businesses.com to get some freebies. Then simply give them away -- you will earn income from them.

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Julia Tang publishes Smart Online Business Tips, a fresh
and informative newsletter dedicated to supporting people
like you! To find out the best online business opportunities,
and to discover hundreds more proven and practical internet
marketing secrets, plus FREE internet marketing products
worth over $200, visit: http://www.best-internet-businesses.com
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Note: Feel free to publish it with the resource box and content unchanged

Passion with Purpose - The Winning Combination

The power of Passion

Passion is an extraordinarily powerful spring. Without it religion, history, romance, and art are useless. Likewise, Public Relations too becomes completely deflated without the essential ingredient of Passion. It demonstrates avowed belief, everlasting appeal and steadfast loyalty. So why does passion become so much more important in the business of public relations as compared to any other service industry?

To convert others to your way of thinking, being a believer first is essential. It is then that you can take a convincing stand with people of different attitudes, perceptions and sensitivities. It is necessary to have an obsessive faith in your client's business & philosophy and your own organizational vision to be able to transmit it through written and spoken word such that its effervescence is delivered undiluted.

Whether it is body language of a PR professional sitting across the table, a written document, or a presentation; it is passion which communicates. Without passion, there is no story to sell!

In a PR agency, passion must become a management mission ? an everyday task taken on by the Organizational Head, Team Leaders and Managers ? allowing it to spread infectiously throughout the entire organization. Percolating down the agency, passion must show even in the most mundane tasks that the organization does.

The zeal of purpose

"Many people have a wrong idea of what constitutes true happiness. It is not attained through self-gratification, but through fidelity to a worthy purpose." In a self-made organization, one that emerges from the grassroots, where the milestones for the first few years are just survival, with time, the purpose often gets diluted. This usually occurs due to a lack of sound fundamentals, or the lack of attention to basics.

Starting on the right basics is more than half the battle won. When we started Blue Lotus, we began on four founding principles; firstly, to have complete focus on the client's business goals and not the money that the client was paying. Money would be only a by-product, we said. We believed that if we did our job well, there would be enough and more of the by-product to go around. Secondly, even at the starting block we decided that Blue Lotus would be co-owned, where each person would share the benefits of growth and the responsibilities commensurately.

The next founding principle was that of fomenting creative-friction continuously in our people. We argued that creativity was not the intellectual property of any one person, and unless we encouraged a healthy friction, we would stagnate. The fourth principle and most sacred belief that we drilled into ourselves was that of maintaining the highest standard of ethics in all our professional transactions.

For an organization to have common purpose, a vision of common destinies is essential. Common purpose is easy to maintain when you are a small organization working out of a single location, but as the company grows geographically and numerically, this common purpose very often gets diluted. To ensure that the organizational purpose maintains its purity, it is necessary that enough time be spent with each new inductee, to ingrain them with the organizational principles, beliefs and ethos. Revisiting this purpose frequently is also critical to ensuring an unadulterated sense of purpose over decades of organizational life.

In a public relations consultancy, the need for a stringent adherence to its purpose can frequently be the deciding factor in its success. One not only needs to zealously believe in the purpose of your own organization, but also in that of your clients. And to align oneself to the vision of client organizations is not always an easy task. Perhaps this is where a due-diligence of the clients is a useful tool in ensuring that you do not sign up clients with viewpoints conflicting with yours. The courage to say NO to potential clients without a culture-fit to your own beliefs can help make the organizational purpose stay vibrant and alive despite of the growth or geographical spread.

Passion with Purpose - a winning combination

Even singly, these two, passion and purpose are extremely potent tools to build sound agency basics, but used together ? it can make the agency completely unassailable. Firm belief in your organizational vision and using the tenets of Passion and Purpose are only a start point. To make ensure a working model, this vision must percolate from the top and carried forth in every action of the organization.

The advantages of starting from the grassroots cannot be understated. It is like having a blank canvas, lots & lots of paint and your creativity. Let not your passion to colour the canvas use up all the paint, and neither let not your purpose to paint, curb your creativity. Using a judicious mix of the two, think as Da Vinci would before he painted the Madonna or Michealangelo would before he changed a block of stone to into a stunningly life-like image of David.

Let this guide you and you will not only see your agency grow and flourish, but you will see a haloed aura about your organization that attracts people and clients to your business.

N.Chandramouli, the author, is the CEO of Blue Lotus Communications Consultancy, a knowledge based public relations agency headquartered in Mumbai. He can be reached at mouli@bluelotuspr.com.

Help Your Kids Learn More About Managing Their Personal Economy

Remember when cash was a tangible commodity in all of our personal economies? As kids, we went to the bank, shopped with our parents and frequently watched them pay with cash. Now with cash on the endangered species list, today's kids see their personal economic situation much differently. As we enjoy the convenience of charge cards, stored value cards, debit cards and ATM cards, the challenge of teaching kids about an invisible commodity like money is magnified. If you're searching for ways to teach your kids more about what makes up their personal economy, including the importance of saving and how to set and reach their financial goals, here are some practical tips.

Give kids an allowance - If you give your child an allowance, try tying their allowance to responsibilities like feeding pets, taking out trash or cleaning their rooms. Of course, the level of responsibility and the amount of the allowance should be tied to the children's ages and abilities, and your own financial means.

Help kids build up their personal economy by establishing savings goals - Work with your kids to create a list of why they should save and things they want to save for ? big and small ? then help them prioritize it. Ask them to put three stars next to the things they want most, two stars next to the things they would like and one star next to those that are least important. Have them categorize the items as most expensive to least expensive. You can help them use these ratings to choose what they want to save for by focusing on the three-star items they want most and determining how much they think they can save.

Help kids find a place to keep their savings - It's a good idea to keep savings and spending money separate - perhaps in labeled containers. By attaching a picture of that "something special" to their savings container, kids can keep their goal visible. They could use different colored wallets for savings and for spending money or ask if they would like to open a savings account at your bank while keeping spending money at home.

Help kids track their progress. Let's face it, kids find saving boring (honestly, so do a lot of adults). You can help build and maintain the excitement of reaching a personal economic goal by making a savings thermometer and coloring in the sections as money is saved. Post your child's progress charts in visible places and celebrate their progress. It's important to make saving money fun and rewarding with many celebrations along the way.

Encourage kids to avoid spur-of-the-moment spending. While most kids have good intentions for their savings goals, their plans are often derailed by impulse purchases - like that hot new toy. Here is some advice you can give your kids to keep them from getting off-course:

• Leave money behind - Bring only a small amount of money on shopping trips to help avoid impulse purchases.

• Don't forget about your savings goal - Carry a picture of what you are saving for and compare it to anything you are tempted to buy.

• Be a bargain hunter - Wait for the item you want to go on sale and watch for coupons.

• Don't rush into purchases - Avoid buying anything you see for at least two weeks. Add it to your "wants" list and then prioritize it against the other things you want.

• Ask for help in securing money - Parents can help keep your savings in a safe place if you think you will be tempted to spend it.

Once your kids establish a saving pattern you'll find they take great pride in striving for and reaching their financial goals. You might even consider matching their savings after they prove they are serious about putting away an agreed upon amount. As with anything else in life, your children will find determination and patience are rewarded, and the payoff for reaching their personal economic goals is worth the challenge of getting there.

About The Author

Sandra N. Salter specializes in business and personal finance issues and she is also the owner of American Express Financial Advisors Branch Office in New Jersey. She focuses on providing comprehensive financial planning services paying close attention to the long-term financial health of their clients, building customized financial plans that help clients achieve both short-term and long-term goals. The types of services she offers clients include: Income Tax Planning, Saving and Investing for Retirement, Working with Retirees, Financial Strategies for Small Business, Domestic Partner Planning, Risk Protection Planning, Estate Planning, Charitable Giving , Investment Strategies for Education , Asset Allocation and Comprehensive Financial Planning, among other areas. They can be reached at sandra.n.salter@aexp.com.

You Can Meditate Right Now

Why Should You Meditate?

What if you could close your eyes, then open them a few minutes later and be relaxed, alert, and able to think clearly? Meditation can do that for you, and it's easier than you might think.

Documented Benefits of Meditation

Less anxiety.
Decreased depression
Reduction in irritability and moodiness
Better learning ability and memory.
Greater creativity.
Slower aging (possibly due to higher DHEA levels).
Feelings of vitality and rejuvenation.
Less stress (actual lowering of cortisol and lactate levels).
Rest (lower metabolic and heart rate).
Lower blood pressure.
Lower cholesterol levels.
Higher blood oxygen levels.

A Simple Meditation To Use Now

Don't think meditation has to be difficult. Try this simple technique, and you'll see results in minutes. Get comfortable, close your eyes, and tense up your whole body. Then breath deeply through your nose as you release the tension from every muscle. Feel each part relaxing, watching for parts that may escape notice, like a tight jaw. If you still have tension somewhere, tense up that part again, then let it relax.

Let your breathing fall into a comfortable pattern, and pay attention to it. Be aware of your breath as it passes in and out of your nose. Though your mind will wander endlessly, all you have to do is continually bring attention back to your breath.

Is your mind is still too busy? Try naming the distractions as a way of setting them aside. Try, for example, saying in your mind, "itchy leg," "worried about work," or "anger," and then immediately return attention to your breathing.

Do this meditation for five or ten minutes, or for 100 breaths. When you open your eyes, you'll feel relaxed, and your mind will feel refreshed. You'll be better prepared for any mental challenges. Why not try it now?

Steve Gillman has been studying brain improvement, concentration, creative problem solving, and related topics for years. You can visit his website, and subscribe for free to his Brain Power Newsletter at: http://www.IncreaseBrainPower.com/newsletter.html

What is Credit Insurance?

Are you wondering what is credit insurance? Very simply, credit insurance is an insurance policy that protects a loan on the chance that you are unable to make the repayments. The next time you have occasion to apply for a loan or mortgage, you will be asked if you want to buy credit insurance, or it might already be included in your loan proposal. If so, it will increase your loan amount and you'll pay additional interest.

Credit insurance usually is optional, which means you don't have to purchase it from the lender. Before deciding to buy credit insurance from a lender, think about your needs, your options, and the rates you're going to pay. You may decide you don't need credit insurance.

If you decide to get credit insurance be aware that it can be an expensive form of insurance. For example, it may be less expensive and more practical for you to get life insurance than credit insurance.

Before deciding to buy credit insurance, ask the lender the following questions:

How much is the credit insurance premium?

Will the credit insurance premium be financed as part of the loan?

Can you pay monthly instead of financing the entire premium as part of your loan?

How much lower would your monthly loan payment be without the credit insurance?

Will the insurance cover the full length of your loan and the full loan amount?

Can you cancel the insurance? If so, what kind of refund is available?

Prior to signing any loan papers, ask the lender whether the loan includes any charges for voluntary credit insurance. If you don't want credit insurance, tell the lender. If the lender still insists that you take out credit insurance, find another lender.

You may freely reprint this article provided the author's biography remains intact:

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

Lock In Your Legacy

You, my friend, are going to die.

What? What kind of motivational tool is that? Real inspiring!

In fact, it is. Our mortality may perhaps be the ultimate inspiration and motivation! If we lived on this earth eternally, we could be procrastinators extraordinaire! We would never have to get anything done because there would always be tomorrow. But alas, we pass on and all we leave are the memories and the lives of others we affected while we were here. Sounds gloomy? In actuality, it is exciting! You see, this gives us purpose (and a deadline, pun intended).

We can choose how we will live on in the hearts and memories of others. We do this by purposing to live lives NOW that make change happen in ourselves, and those around us.

What kind of legacy will you leave? How will your family and friends remember you? How will you leave your descendants in the following areas? Give some thought to them and make some changes. In doing so, you will begin to lock in your legacy.

Emotionally: Have you ever stepped back and asked yourself how you treat other people and how that effects them emotionally. I have four children, all under ten years of age. I am acutely aware that they are being shaped emotionally by how I treat them and teach them how to deal with the world. I am especially aware of this from my own background. I can directly trace my emotional shortcomings to the emotional coolness I felt from my own family. Are you raising emotionally healthy kids who are both independent as well as interdependent? Are you helping your spouse to grow emotionally? Give this some serious thought.

Spiritually: In my mind, the "God" question is the most important. You know, I often hear people say that they are just going to let their kids "figure it out on their own." These same people will show them how to shoot a basketball, trade stocks, and build a tree house, all simply temporal issues, but leave the answers to the biggest question up in the air! Now I am not advocating cramming anything down their throats, just taking the time to helping them find their way. Are you helping and encouraging those around you to find their spiritual life? Are you living an authentic spiritual life that will be your legacy? Give some serious thought to this.

Physically: Now I know what you are thinking: I can't change my genes. They got what they got and they'll have to live with it. To a certain extent this is true. I am 5'11 for the rest of my life. I will never be 6 foot, and neither will my kids. What I am talking about though, is to be examples of taking our physical health seriously. The statistics prove that whatever bad habits you have, your kids are likely to do them as well. Why? Because you are their example. This is why I work to stay physically fit. I work out. I lift weights. I eat right (most of the time - I am a sucker for Breyer's Vanilla Bean Ice Cream). I don't smoke. I want to leave a legacy of health behind for my kids. True, they can still go astray, but I will do my best to give them a good example to follow. Give this some serious thought.

Financially: There are two primary ways you can leave a financial legacy. First, teach your loved ones about how to handle money (some of you may need to learn yourself first). There are just so many good books on the subject, there is no excuse for not knowing how to handle money. Rich Dad, Poor Dad is a good book to start with, or perhaps The Millionaire Next Door. These will teach you the basics. Secondly, you can leave an inheritance. Now let me be clear on this. This does not have to be after you die. In fact, the more you have, the more I believe you ought to give away while you are alive.

Let's face it, the older you get, the less need you have for money once the basics are taken care of. It always cracks me up that by the time you can afford a big house, your kids are gone and you don't need one! Turn the money over early so you can watch the joy of your loved ones spending, investing and giving it! This is of course predicated upon the assumption that you have first taught them how to handle it. If you have, then you should give it away while you're alive so you can enjoy seeing your legacy in action! Give your financial inheritance some serious thought.

Relationally: What kind of legacy will you leave in regard to how people you know interact relationally with others. When people look at how you interact with others, will they be better off if they develop the same relational habits? Will your legacy be one of love, patience, kindness, faithfulness, gentleness, and forgiveness? As you live this life, you will see that your legacy grows after you in those you influence day by day. Give the idea of influencing others relationally some serious thought.

Intellectually: I don't know about you, but I want to challenge people to deeper intellectual thought. In a day and age of People Magazine mentalities, we need people who will challenge us to think deeper. Are you doing anything that will challenge your sphere of influence to intellectual gains? Will those left after you are gone, say that you made them think thoughts they hadn't before? That you challenged them to be smarter? Give this issue some serious thought.

Functionally: Functionally? Yep. It's a catchall word. It is how they function. It is all of the above, rolled into one. How will those you influence actually function? This is to a great degree how you function. Are you well rounded? Are you balanced? Do you keep the main things the main things? Is your life functioning well? Make it your goal to live a balanced, functional life so you can leave a legacy of such. Give your life function some serious thought.

I ended each paragraph with a challenge to think seriously about each. These aren't issues we will solve immediately. They take a lifetime to build and they will ebb and flow. But as you diligently pursue staying on top of them all, you will be locking in that legacy you desire to leave behind!

About The Author:

Chris Widener is a popular speaker and writer as well as the President of Made for Success, a company helping individuals and organizations turn their potential into performance, succeed in every area of their lives and achieve their dreams.

To see Chris "live" at the upcoming Jim Rohn Weekend Event as he speaks on the subject of Secrets of Influence go to http://Chris-Widener.InspiresYOU.com/ or call 800-929-0434.

Tribal Tattoo Designs

For centuries, tattoos symbolized the membership in groups, families, but for a few years, tattoos have become more popular. It is possible that many people have them not only for decorative purpose, so we must understand why more than thirty million people worldwide have submitted this type of self mutilation. The choice of a tattoo today can tell something about the soul of its owner; some believe that a tattoo is the graffiti for the soul?

We'll find many surprising stories about the tattoos significance and role: many sailors believe that a tattoo is a talisman against the possibility of drowning at sea. The American Indian believed tattoos protected them in battle and some Burmese people think even today that a tattoo over the heart can stop bullets.

The tribal tattoos history is a real kaleidoscope; each place of Earth where the tattoos are popular has a particular and many times surprising history, significance, tradition, and realization technique. But almost everywhere, the tattoos appeared a few hundred years ago.

The place where the word tattoo originated, were the tribal tattoo reached perfection for thousand of years is Tahiti. Here the tattoos applications are most painful, but it reached a high level of artistic endeavor. The habitants of Samoa still believe that the elaborate geometrical design of the traditional body suit is the way to show respect for the God-qualities, for others it is the rite of passage to manhood.

The ancient Maori warriors started their tattoos tradition painting their faces with charcoal before each battle. Then they began to make the design permanent, calling it "moko". It was said that a man without "moko" was a "papatea" (plain face) and was considered an outcast.

Celtic tattoos are one of the most attractive design choices. The design comes from ancient art from Ireland, Scotland and England. They are as old as the Celtic history is. Some fifth century painted pictures are representing warriors having tattoos all over their body; the tattoos are indicating the rank or caste. Later they were also symbols of religious devotion, simply for decoration or appeal for fertility.

Celtic tattoos are not duplicating real things, they are made of sinuous lines interweaving to complete a cycle. Almost all the Celtic tattoo designs are complicated, there is neither end nor beginning to it. There are many intricate patterns too?

Celtic animal designs are unending, but some have the cords terminate in feet, heads, or tails. Many designs are presenting zoomorphic elements or spirals.

Tattoos are also largely considered the mark of the Yazuka ? the Japanese Mafia. A full body tattoo can take many years to be made and costs about $50000; the tattoo complicated colored design seems to have mythic power and only some specialized masters can accomplish such a miraculous work of art.

In China the tattoos are made with designs of 2500 years old, and are representing a variety of fantastic beasts: fish, deer, dragoon. There are made for personal protection and like emblems of noble birth. Siberian tribesmen still ink symbols down their spine to cure the back pain.

In Russia, the tattoos tradition isn't so old: they were the prisoners' secret language. In Stalin's gulags, tattoos were a form of protest; today they are only a fancy accessory.

Borneo is an exotic and hard to reach place where tattoos ward off harm and disease. In the "heart of darkness" tattoos as protection gains some credibility.

Hawaii is home for some famous tattooist, like Norman Keith. He is well known "for giving the modern tattoo revolution a major boost." He began moving American tattooing towards more Japanese style, unified, custom design. He also changed the status of tattooists, bringing them out of the underground to the growing light of the artistic respectability.

In St. Lawrence Island the Asiatic Eskimo tribesmen can live past 100 and have, certainly, the last most authentic tattoos on this planet. We can find spectacular tribal tattoos even in Queen Charlotte Islands, where the images are family history told in pictures. Animals' designs on the hands are announcing the family name.

In Mackenzie Delta small crosses on the cheeks or shoulders are keeping a tally of the taken whales. Netsilik women were tattooed in order to gain admittance to the afterworld.

In the northern Kalinga (Philippines) the tribesmen are the most ornamented people of the region; their body art is resurrected one more time.

Now let see the tribal tattoo tradition in US. Since the 18th century, merchant sailors acquired tribal skin art returning from voyages in the South Seas. Because members of the British aristocracy traditionally took to the sea, and returned with tattoos (discreetly hidden) some western tattooist set up shop near the docks. The tattoos become exotica for the upper classes. Later, the port city tattooist began inking criminals, fiefs and prostitutes and tattoo became mark of lowlifes. This is the reason way for hundred of years the tattoo remained underground. The tattooist was considered as an outlaw and the tattoo was imprisoned by persecutions and prohibitions born of myriad fears.

Now the tattoos are made using modern and secure devices, capable of 125 pricks per second. The designs are presented worldwide using the most spectacular advertising tools.

Whether it is on an arm or ankle, a butterfly or tribal symbol, a piece of body art no longer holds the lure of rebellion it once did...

This article was brought to you by http://www.tattoo-designs.org where we feature lots of tattoo designs, tribal tattoo designs, and a lot more information related to tattoos.

Your Consumer Rights

If you have ever fallen behind on your debts you already know that dealing with your creditors can be a hassle. Sometimes it can be downright humiliating. It doesn't have to be that way.

With millions of people experiencing financial problems it is absolutely necessary for everyone to know and understand their rights as a consumer.

Federal law requires that you receive fair and equal treatment from businesses issuing credit. This law applies when they evaluate your applications for credit, insurance, employment, and even leases.

The one area where I receive the most complaints are from individuals that are being harassed by debt collectors. These complaints range from debt collectors contacting their work and family members to being called names. All of these are a direct

violation of the Fair Debt Collection Practices Act (FDCPA). This article spells out exactly what your rights are as a consumer.

I have copied some areas of this article directly from the Federal Trade Commission's web site to ensure that the information is explained exactly as the law applies. These areas are identified.

The FDCPA lists the following guidelines that must be followed by all debt collectors:

(Copied from the Federal Trade Commission web site)

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~~Debt collectors may contact you only between 8 a.m. and 9 p.m.

~~Debt collectors may not contact you at work if they know your employer disapproves.

~~Debt collectors may not harass, oppress, or abuse you.

~~Debt collectors may not lie when collecting debts, such as falsely implying that you have committed a crime.

~~Debt collectors must identify themselves to you on the phone.

~~Debt collectors must stop contacting you if you ask them to in writing.

It also prohibits debt collectors from engaging in unfair, deceptive, or abusive practices while collecting these debts.

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It is very important to keep a record of any contact you make with your creditors especially when there is a dispute or misunderstanding regarding your account. You should list the name and address of the company, date and time of the call, the name of the person you spoke with and the content of the call. I have developed a form that can be used for this purpose. You can find it at http://www.homemoneyhelp.com/ccrs.html

Another important aspect of your consumer rights is Credit Reporting. Derogatory information in your Credit Report can have serious consequences. It is ultimately your responsibility to ensure that the information in your credit report is accurate and up to date.

There are numerous companies that offer "Free Credit Reports", however, you are obligated to sign up for their "Debt Monitoring Service" which usually costs about $80. You will receive a free credit report and if you cancel your monitoring service within 30 days it will cost you nothing. Your best bet is to order your credit report directly from a Credit Reporting Agency. It will only cost you about $9. Below is a list of the three main companies:

Equifax PO Box 740241 Atlanta, GA 03074-0241 (800) 685-1111

Experian PO Box 2104 Allen, TX 75013-2104 (888) EXPERIAN (888-397-3742)

Trans Union PO Box 1000 Chester, PA 19022 (800) 916-8800

I would advise you to visit the below link to find out exactly how to obtain your credit report:

http://www.pueblo.gsa.gov/cic_text/money/fair-credit/fair-crd.htm Having knowledge of your rights under the Fair Credit Reporting Act (FCRA)can save you a lot of time and trouble when you apply for credit. The following explains these rights.

(Copied from the Federal Trade Commission web site)

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Your Credit Report Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by "consumer reporting agencies" (CRAs). One type of CRA is commonly known as a credit bureau. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.

The Fair Credit Reporting Act (FCRA) is designed to help ensure that CRAs furnish correct and complete information to businesses to use when evaluating your application.

Your rights under the Fair Credit Reporting Act:

~~You have the right to receive a copy of your credit report. The copy of your report must contain all of the information in your file at the time of your request.

~~You have the right to know the name of anyone who received your credit report in the last ~~year for most purposes or in the last two years for employment purposes.

~~Any company that denies your application must supply the name and address of the CRA they contacted, provided the denial was based on information given by the CRA.

~~You have the right to a free copy of your credit report when your application is denied because of information supplied by the CRA. Your request must be made within 60 days of receiving your denial notice.

~~If you contest the completeness or accuracy of information in your report, you should file a dispute with the CRA and with the company that furnished the information to the CRA. Both the CRA and the furnisher of information are legally obligated to reinvestigate your dispute.

~~You have a right to add a summary explanation to your credit report if your dispute is not resolved to your satisfaction.

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If you believe that your rights have been violated under one of these laws you can file a complaint with the Federal Trade Commission online at: https://rn.ftc.gov/pls/dod/wsolcq$.startup?Z_ORG_CODE=PU01

While these laws won't eliminate your obligation to pay your just debts they can prevent debt collectors and others from taking advantage of you.

Terry Rigg is the author of Living Within Your Means - The Easy Way http://www.homemoneyhelp.com/ebookadpage.html and editor of The FREE Budget Stretcher Newsletter and Budget Stretcher web site http://www.homemoneyhelp.com. He has 25 years of experience counseling individuals and families concerning their personal finances.