A mature (over 40) lady gets pulled over for speeding...

Older Woman: Is there a problem, Officer?

Officer: Ma'am, you were speeding.

Older Woman: Oh, I see.

Officer: Can I see your license please?

Older Woman: I'd give it to you but I don't have one.

Officer: Don't have one?

Older Woman: Lost it, 4 years ago for drunk driving.

Officer: I see...  Can I see your vehicle registration papers please.

Older Woman: I can't do that.

Officer: Why not?

Older Woman: I stole this car.

Officer: Stole it?

Older Woman: Yes, and I killed and hacked up the owner.

Officer: You what?

Older Woman: His body parts are in plastic bags in the trunk if you want to see.

The Officer looks at the woman and slowly backs away to his car and calls for back up.  Within minutes, 5 police cars circle the car.  A senior officer slowly approaches the car, clasping his half drawn gun.

Officer 2: Ma'am, could you step out of your vehicle please!

The woman steps out of her vehicle.

Older Woman: Is there a problem sir?

Officer 2: One of my officers told me that you have stolen this car and murdered the owner.

Older Woman: Murdered the owner?

Officer 2: Yes, could you please open the trunk of your car, please.

The woman opens the trunk, revealing nothing but an empty trunk.

Officer 2: Is this your car, Ma'am?

Older Woman: Yes, here are the registration papers.

The officer is quite stunned.

Officer 2: One of my officers claims that you do not have a driving license.

The woman digs into her handbag and pulls out a clutch purse and hands it to the officer.

The officer examines the license.  He looks quite puzzled.

Officer 2: Thank you Ma'am.  One of my officers told me you didn't have a license, that you stole this car, and that you murdered and hacked up the owner.

Older Woman: Bet the liar told you I was speeding, too.
 


Don't Mess With Mature Ladies

If you want to brighten someone's day, pass this on to someone you know.

Left the kitchen workplace at IBM headquarters,  3600 Steeles Avenue East and Warden  at 2:30 pm.   The traffic back home was fine and smooth.  II took about 20 minutes to go home. 

By the way,I  like my new home at Bayview and Major McKenzie.  It is a 50 years old bungalow.  I gave it a facelift.  Its original look is somewhat like this.

 




When I stepped into the house,  the phone rang.  It was Julie.  She told me to cook some rice congee for our supper.   No problem,  that is easy.  I started making  supper at 5:45 pm and Julie was back home around  6:25 pm when every dish of food was ready on the table. 

 A bowl of hot rice congee with fish and a little of beef, carrot, tomatoes and veggies.  For Julie she just took the rice congee and fish.   According to our family doctor,  people with food poisoning (bad food) should avoid taking any dairy products, veggies and there is no need for any medication for most of the time.  


Hey, boomers  ..  healthy eating.         

 香港智能身份證 從2014年起, 叫pizza就會係咁架啦:  

接線生 : 超記薄餅店, 請問有乜野幫倒你......
顧客 : 喂,我想叫......
接線生 : 先生,請你比你既智能咭號碼.
顧客 : 呀, 請等等, 12345678.

接線生 : 陳先生你好, 你係住係元州街1號二樓, 你屋企電話係53541177,你公司電話係70861366,
你手提電話係93945354. 請問你依架用邊個電話打呢?
顧客 : 屋企, 點解你知道我所有電話號碼?
接線生 : 陳先生,因為我地接通左智能系統.
顧客 : 我想要一個海鮮薄餅...
接線生 : 陳先生, 海鮮薄餅唔arm你.
顧客 : 點解?
接線生 : 因為根據你既醫療紀錄,
你有血壓高兼膽固醇偏高.
顧客 : 吓?...咁你有乜好介紹.
接線生 : 你可以試試我地既低脂健康薄餅.
顧客 : 你點知我中意食呢種?
接線生 : 哦, 你係上星期一係中央圖書館借過本低脂健康食譜.
顧客 : 哎呀, 好啦, 我要個特大家庭裝薄餅, 幾多錢?
接線生 : 唔, 加多個都夠你一家十口食，仲好啦, 盛惠280蚊啦.
顧客 : 可唔可以用信用卡?
接線生 : 陳先生, 唔好意思, 請你用現金找數,
因為你既信用卡已經過晒額，你而家仲欠銀行$3,344.44卡數未找.
仲有,提提你，你今期仲未供樓喎.
顧客 : 哦, 咁我去附近提款機提定錢先.
接線生 : 陳先生, 拫據你既記錄, 你今日提款機提款限額已經過左額.
顧客 : 唔好懶叻, 送薄餅先啦, 我有錢係度. 幾時送到呀!
接線生 : 大約45分鐘, 如果唔等得，可以你自己開車黎.
顧客 : 乜話! 你點知我有車？
接線生 : 拫據系統記錄 , 你有一架綿羊仔, 號碼係PK 167.
顧客 : xyz> @#&***##%?:*&@*%$
接線生 : 陳先生, 請你小心你既說話.
你係 1997年7月14日曾經用粗口鬧警察,判左有罪.
顧客 : ...............
接線生 : 請問仲要D乜呢?
顧客 : 無喇, 呀係唔係有三罐頭可樂送?
接線生 : 係, 不過拫據系統記錄你有糖尿病 

Even though a lot of people don't actually realize it, a lot of antioxidant foods that we consume are from vegetables.  Vegetables such as broccoli, cauliflower, tomatoes, and peppers are all excellent choices with some great benefits for your body.  When consuming vegetables, you should always go for those that are rich in color, as they are high in what is known as phytonutrients.

Phytonutrients are nutrients found in the skins of several fruits and vegetables, which give the food color as well as flavor and scent.  Phytonutrients are quite simply the best types of antioxidant foods that you can find anywhere.  If you are looking for a supplement value, the coq10 offers you a high level of antioxidant value.

Although fruits and vegetables are the best sources for antioxidants, the problem with them is that they are produced by the use of chemical herbicides, pesticides, and different types of fertilizers.  Over the years, studies have shown that fruits and vegetables which are organically grown are high in antioxidants, and boast a much higher concentration than those that have been produced commercially.

In the busy world of today, it can be very tough to eat like we should, nor can we eat organic fruits and vegetables all the time.  If you can't or don't have access to organic fruits or other sources of antioxidant foods, you should look into nutritional supplements that offer you the phytonutrients you need in your diet.

Supplements that contain phytonutrients do have advantages when compared to certain fruits, such as carrots - which can elevate your blood sugar level to a very high level.  Phytonutrients found in supplements are the extract of pigments where nutrients are concentrated, meaning that they draw the best from antioxidant foods, leaving the calories and sugar behind.

Don't get the wrong idea here, fruits and vegetables are indeed good for you.  They are high in antioxidants, although those that are produced commercially generally come with chemicals and such that aren't so good for you.  Canned fruits and vegetables come with high levels of sugars and calories, which antioxidant supplements don't have.  The supplements offer you the levels you need, without any chemicals, sugars, or calories.  This way, you don't have to worry about consuming anything that isn't good for you.

No matter how you look at it, healthy eating for your body starts and end with foods that contain antioxidants.  There are several types of foods that contain antioxidants, although fruits and vegetables contain the most amounts.  Steak and meat are also great sources of antioxidants, along with other great benefits, such as protein.  Anytime you can't get foods that contain antioxidants - you can count on supplements to deliver the amount you need to stay healthy.

Her name is Rosalind Gardner.  She earned 100% of her income from the  internet. She started in 1998.  Between January 1998 and June 2003, SheI did business online by promoting affiliate programs.


She  quit her day job in 2000 and  her sites were raking in $30,000 to 50,000 US dollars EACH and EVERY month. In 2002, she earned a whopping $436,797, ($657,801 CDN) affiliating with Internet merchants and selling their products. Now she earned much more than that!.   Here your access to find out more about her extraordinary success.

Rosalind's very popular publications :

• The Superaffiliate Handbook

• Make A Big Splash Selling On Amazon.

╭══╮ 
╭╯ΘΘ ║ 
╰☉═☉╯ 我來給你送月餅啦......

 

各位：

今年 9月22日就是中秋節。 

讓我送你一個月餅，

含量成分：100%純關心； 

配料：
第一層是體貼，第二層是關懷，第三層是浪漫，第四層是溫馨。
以蓮子蓉造餡； 中間是甜蜜窩心， 

保存期限：一輩子； 

保存方法：珍惜，願您時時開心，天天快樂，平安年年，幸福一生！身體健康！ 

祝有個美好的中秋佳節~~ 

There are basically two types of bloggers in the world - reporters and experts - and some people perform both roles (usually the experts, it's hard for reporters to become experts, but it's easy for experts to report).

If you have ever taken an Internet marketing course or attended a seminar specifically for beginners, you have probably heard about the two different methodologies. Whenever the business model is based on content, and if you blog for money then the model is based on content, people are taught to either start as reporters, or if possible step up as experts.

I'll be frank; you want to be the expert.

Reporters leverage the content of the experts and in most cases people start off as reporters because they haven't established expertise. Experts enjoy the perks of preeminence, higher conversion rates because of perceived value, it's easier to get publicity, people are more likely to seek you out rather than you having to seek others out, joint ventures come easier, etc� experts in most cases simply make more money and attract more attention.

Most Bloggers Are Reporters

The thing with expertise is that it requires something - experience. No person becomes an expert without doing things and learning. Bloggers usually start out without expertise and as a result begin their blogging journey by talking about everything going on in their niche (reporting) and by interviewing and talking about other experts (reporting again).

There's nothing wrong with reporting of course and for many people it's a necessity at first until you build up some expertise. Unfortunately the ratios are pretty skewed when it comes to reporters and experts - there are a lot more reporters than there are experts, hence reporters tend to struggle to gain attention and when they do, they often just enhance the reputation of the expert they are reporting on.

Don't Replicate Your Teacher

If you have ever spent some time browsing products in the learn Internet marketing niche you will notice a pattern. Many people first study Internet marketing from a �guru� (for lack of a better term). The guru teaches how he or she is able to make money online, and very often the view that the student gleams is that in order to make money online you have to teach others how to make money online.

The end result of this process is a huge army of amateurs attempting to replicate what their teacher does in the same industry - the Internet marketing industry - not realizing that without expert status based on a proven record and all the perks that come with it, it's next to impossible to succeed.

Even people, who enjoy marginal success, say for example growing an email list of 1,000 people, then go out and launch a product about how to grow an email list of 1,000 people. Now I have no problems with that, I think it's fine to teach beginners and leverage whatever achievements you have, the problem is that people gravitate to the same niche - Internet marketing - and rarely have any key points of differentiation.

How many products out there do you know of that all claim to teach the same things - email marketing, SEO, pay per click, affiliate marketing, and all the sub-niches that fall under the category of Internet marketing. It's a saturated market, yet when you see your teachers and other gurus making money teaching others how to make money (and let's face it - making money as a subject is one of the most compelling) - your natural inclination is to follow in their footsteps.

If the key is to become an expert and you haven't spent the last 5-10 years making money online, I suggest you look for another niche to establish expertise in.

Report on Your Process, Not Others

The secret to progress from reporter to expert is not to focus on other experts and instead report on your own journey. When you are learning how to do something and implementing things day by day, or studying other people's work, you need to take your process and what you do as a result of what you learn, and use it as content for your blog.

It's okay to talk about experts when you learn something from them, but always relate it to what you are doing. If you learn a technique from an expert it's fine to state you learned it from them (and affiliate link to their product too!) but you should then take that technique, apply it to what you are doing and then report back YOUR results, not there's. Frame things using your opinion - your stories - and don't regurgitate what the expert said. The key is differentiation and personality, not replication.

Expertise comes from doing things most people don't do and then talking about it. If you do this often enough you wake up one day as an expert, possibly without even realizing how it happened, simply because you were so good at reporting what you did.

You Are Already An Expert

Most people fail to become experts (or perceived as experts) because they don't leverage what they already know. Every person who lives a life learns things as they go, takes action every day and knows something about something. The reason why they never become an expert is because they choose not to (which is fine for some, not everyone wants to be an expert), but if your goal is to blog your way to expertise and leave the world of reporting behind you have to start teaching and doing so by leveraging real experience.

Experience can come from what you do today and what you have done previously; you just need to take enough steps to demonstrate what you already know and what you are presently learning along your journey. I know so many people in my life, who are experts simply by virtue of the life they have lived, yet they are so insecure about what they know, they never commit their knowledge to words for fear of�well fear.

Blogs and the Web in general, are amazing resources when you leverage them as a communication tool to spread your expertise because of the sheer scope of people they can reach. If all you ever do is talk to people in person and share your experience using limited communication mediums, you haven't much hope of becoming an expert. Take what you know and show other people through blogging, and you might be surprised how people change their perception of you in time.

Reporting Is A Stepping Stone

If your previous experience and expertise is from an area you want to leave behind or you are starting from �scratch�, then reporting is the path you must walk, at least for the short term.

Reporting is a lot of fun. Interviewing experts, talking about what other people are doing and just being part of a community is not a bad way to blog. In many cases people make a career of reporting (journalism is about just that), but if you truly want success and exponential results, at some point you will have to stand up and proclaim yourself as someone unusually good at something and then proceed to demonstrate it over and over again.

Have patience and focus on what you do to learn and then translate that experience into lessons for others, and remember, it's okay to be a big fish in a small pond, that's all most experts really are.

This article was by Yaro Starak, a professional blogger and my blog mentor. He is the leader of the Blog Mastermind mentoring program designed to teach bloggers how to earn a full time income blogging part time.

To get more information about Blog Mastermind click this link:

www.BlogMastermind.com

In every bloggers life comes a special day - the day they first launch a new blog. Now unless you went out and purchased someone else's blog chances are your blog launched with only one very loyal reader - you. Maybe a few days later you received a few hits when you told your sister, father, girlfriend and best friend about your new blog but that's about as far you went when it comes to finding readers.

Here are the top 10 techniques new bloggers can use to find readers. These are tips specifically for new bloggers, those people who have next-to-no audience at the moment and want to get the ball rolling.

It helps if you work on this list from top to bottom as each technique builds on the previous step to help you create momentum. Eventually once you establish enough momentum you gain what is called "traction", which is a large enough audience base (about 500 readers a day is good) that you no longer have to work too hard on finding new readers. Instead your current loyal readers do the work for you through word of mouth.

Top 10 Tips

10. Write at least five major "pillar" articles. A pillar article is a tutorial style article aimed to teach your audience something. Generally they are longer than 500 words and have lots of very practical tips or advice. This article you are currently reading could be considered a pillar article since it is very practical and a good "how-to" lesson. This style of article has long term appeal, stays current (it isn't news or time dependent) and offers real value and insight. The more pillars you have on your blog the better.

9. Write one new blog post per day minimum. Not every post has to be a pillar, but you should work on getting those five pillars done at the same time as you keep your blog fresh with a daily news or short article style post. The important thing here is to demonstrate to first time visitors that your blog is updated all the time so they feel that if they come back tomorrow they will likely find something new. This causes them to bookmark your site or subscribe to your blog feed.

You don't have to produce one post per day all the time but it is important you do when your blog is brand new. Once you get traction you still need to keep the fresh content coming but your loyal audience will be more forgiving if you slow down to a few per week instead. The first few months are critical so the more content you can produce at this time the better.

8. Use a proper domain name. If you are serious about blogging be serious about what you call your blog. In order for people to easily spread the word about your blog you need a easily rememberable domain name. People often talk about blogs they like when they are speaking to friends in the real world (that's the offline world, you remember that place right?) so you need to make it easy for them to spread the word and pass on your URL. Try and get a .com if you can and focus on small easy to remember domains rather than worry about having the correct keywords (of course if you can get great keywords and easy to remember then you've done a good job!).

7. Start commenting on other blogs. Once you have your pillar articles and your daily fresh smaller articles your blog is ready to be exposed to the world. One of the best ways to find the right type of reader for your blog is to comment on other people's blogs. You should aim to comment on blogs focused on a similar niche topic to yours since the readers there will be more likely to be interested in your blog.

Most blog commenting systems allow you to have your name/title linked to your blog when you leave a comment. This is how people find your blog. If you are a prolific commentor and always have something valuable to say then people will be interested to read more of your work and hence click through to visit your blog.

6. Trackback and link to other blogs in your blog posts. A trackback is sort of like a blog conversation. When you write a new article to your blog and it links or references another blogger's article you can do a trackback to their entry. What this does is leave a truncated summary of your blog post on their blog entry - it's sort of like your blog telling someone else's blog that you wrote an article mentioning them. Trackbacks often appear like comments.

This is a good technique because like leaving comments a trackback leaves a link from another blog back to yours for readers to follow, but it also does something very important - it gets the attention of another blogger. The other blogger will likely come and read your post eager to see what you wrote about them. They may then become a loyal reader of yours or at least monitor you and if you are lucky some time down the road they may do a post linking to your blog bringing in more new readers.

5. Encourage comments on your own blog. One of the most powerful ways to convince someone to become a loyal reader is to show there are other loyal readers already following your work. If they see people commenting on your blog then they infer that your content must be good since you have readers so they should stick around and see what all the fuss is about. To encourage comments you can simply pose a question in a blog post. Be sure to always respond to comments as well so you can keep the conversation going.

4. Submit your latest pillar article to a blog carnival. A blog carnival is a post in a blog that summarizes a collection of articles from many different blogs on a specific topic. The idea is to collect some of the best content on a topic in a given week. Often many other blogs link back to a carnival host and as such the people that have articles featured in the carnival often enjoy a spike in new readers.

To find the right blog carnival for your blog, do a search at blogcarnival.com.

3. Submit your blog to blogtopsites.com. To be honest this tip is not going to bring in a flood of new readers but it's so easy to do and only takes five minutes so it's worth the effort. Go to Blog Top Sites, find the appropriate category for your blog and submit it. You have to copy and paste a couple of lines of code on to your blog so you can rank and then sit back and watch the traffic come in. You will probably only get 1-10 incoming readers per day with this technique but over time it can build up as you climb the rankings. It all helps!

2. Submit your articles to EzineArticles.com. This is another tip that doesn't bring in hundreds of new visitors immediately (although it can if you keep doing it) but it's worthwhile because you simply leverage what you already have - your pillar articles. Once a week or so take one of your pillar articles and submit it to Ezine Articles. Your article then becomes available to other people who can republish your article on their website or in their newsletter.

How you benefit is through what is called your "Resource Box". You create your own resource box which is like a signature file where you include one to two sentences and link back to your website (or blog in this case). Anyone who publishes your article has to include your resource box so you get incoming links. If someone with a large newsletter publishes your article you can get a lot of new readers at once.

1. Write more pillar articles. Everything you do above will help you to find blog readers however all of the techniques I've listed only work when you have strong pillars in place. Without them if you do everything above you may bring in readers but they won't stay or bother to come back. Aim for one solid pillar article per week and by the end of the year you will have a database of over 50 fantastic feature articles that will work hard for you to bring in more and more readers.

I hope you enjoyed my list of traffic tips. Everything listed above are techniques I've put into place myself for my blogs and have worked for me, however it's certainly not a comprehensive list. There are many more things you can do. Finding readers is all about testing to see what works best for you and your audience and I have no doubt if you put your mind to it you will find a balance that works for you.

This article was by Yaro Starak, a professional blogger and my blog mentor. He is the leader of the Blog Mastermind mentoring program designed to teach bloggers how to earn a full time income blogging part time.

To get more information about Blog Mastermind click this link:

www.BlogMastermind.com

I got a email from Christopher.  He is La Salle Old Boy 1964 and a very good friend.  In his email he attached a download link  to Ten Commandments for Those Over 40 Years Old.  It is a very good reminder for the boomers and readers who visit my blog.

With the help of slideshare, I append it into my blog.  Enjoy and benefit from this leisure slideshow:  

Do you know there are many baby boomers who are looking for ways to start a home based business to supplement their retirement income? If you are considering something like that there is no better time than do It now.

With today's information technology, we can use the internet and work from home on our own schedule to generate the income that will expand and extend our retirement savings. Make Money Online by Blogging the Things You Love. 

I joined PayPerPost on March 9, 2007. I earned $41 on the second day as I have plenty of topics to write on. At that time my blog has a PR3 ranking, I am given the choice to choose topics at $5 to $15.  As the rule of thumb I always select the more expensive ones if they are available. I am happy about the abundance of topics at PPP.  I found out at PPP  they are already offering topics @ $100, to $1,000 to very high traffic and high page ranking blogs. Meanwhile , I am working hard to improve my blog traffic and content.  When my blog traffic improves further and PR ranking higher, I shall have plenty of blog money opps !   Just imagine, down the road, you can write a single review for $40, $50, or even $100. It is extra income to the bank account working at the comfort of your home.

All new bloggers accepted into the PayPerPost may have chances to review PayPerPost at attractive price, e.g. $20. They then have opportunities to write on different topics about PayPerPost ranging from $5 to $15. This gives new reviewers chances earning the reward instantly and also to see how the PayPerPost system works and to know clearly the company online advertising objectives.

Here is a true success story about Tricia, she has made a whopping $10,000 from PayPerPost reviews. Here is her story. Now, you can use the calculator to find out the real impact of an income from a retirement job can make on your retirement finances.


Thousands of people are using the internet to make a full time living. This will be a nice supplement to your retirement income apart from your investments and Social Security.

There are too many hypes telling you can make million almost overnight. In the real world, it takes hours of extra time daily, effort and a lot of endurance. Only those who persevere long enough and smart enough, can develop their profitable home businesses. There are a few individuals who have made millions. One thing common among these winners,is they all start small and build up from there. Their  energy focus on one thing at a time.

You will discover that the easiest way to make money online is to start off by ignoring money. You can start this make money online project with a zero budget. Mike's Money Making Mission with a free blog is a great read. He outlines in great details how he makes money online with Blogspot .... a free blog program. How much he earns weekly during the first year without spending a dime. There are young people who have made their fortunes through blogs which were originally called web logs logging personal diary online. Over time they have evolved into a very powerful medium with million of readers. When you have this level of blog traffic you can make money with affiliate programs, by selling your ad space through Google Adsense, , and other contextual ads.

Most of us bloggers and webmasters receive our commission payment via Paypal. Sometimes, we pay subscription with Paypal. It is easy, simple and safe. Do you know that Paypal offers The Merchant Referral Bonus Program free and people can earn up to $1000 for each new merchant you refer? It is a great make money opportunity. By spreading the Word About PayPal people can Earn Extra Cash! As a PayPal user, you can collect up to $1,000.00 USD for each new merchant you refer. The Merchant Referral Bonus program rewards you for bringing new businesses to PayPal.

---

Start Referring Merchants Today -- It's Easy Here's how to get started:

• Login to your PayPal account
• Get your personalized referral link to send out in emails, add as a banner to your website, or incorporate into your e-commerce application.
• Each time a new merchant signs up for a PayPal Business or Premier account via your link or banner, you'll immediately start receiving 0.5% of their payment volume - up to $1,000.00 USD.

Here are some high fliers, just a tiny sample of the blog millionaires: Rosalind Gardmer . Yaro Starak. They are established bloggers who started out trying to have fun which later on proved to be the most successful bloggers making money online. I visit their blogs almost every day to learn from them about blogging. I also visit some up and coming young bloggers such as  Ades. These young bloggers unlike most of the contemporary 'A-list' bloggers can provide you with great information on how they make money online from the very beginning. Their blogs are basically the log book of what they learned and what they have achieved. Hence, their blogs are more educational and useful to me. They are also good for those who is new to blogging without prior relevant computer education. I learn by reading other people's blogs. It is one of my daily activities online. There are plenty to learn in blogging. The most rewarding part of blogging is the money. I can earn money online at the comfort of my home or simply anywhere I travel to. Make Money Online with Your Blog.   Best of Luck!

There is currently no official estate taxes imposed on Canadaians at the time of their death.  As a result there is a perceived notion that our estates will remain intact for the future genereations.  This is a illusion for most Canadians upon their death face taxes  triggered off on the following:

               * Tax sheltered investments
                * Capital gains
                * Probate fees

Tax sheltered investments
Registered Retirement Savings Plan are one of today's most attractive savings vehicles - largely due to the deferral of tax on the amount deposited.  Billions of dollars are currently invested in these vehicles which can be in either the accumulation of payout stage.  They may include:

                 *RSP- Registered Retirements Savings Plans
                 *RRIF- Registered Retirement Income Funds
                 *LA - Life Annuities

The tax impact on death can be significant in that the entire sum of money in the savings vehicle is included in your terminal return and taxed at your marginal tax rate along with all other income.  e.g. if your investment total is $100,000 and you are currently taxed at 50%, the taxes to your estate could be $50,000.

Your are however allowed a rollover to a spouse without incurring the tax.  This can be done by naming your spouse as the beneficiary of the investment.  Using the spousal rollover provision you can transfer your assets to your spouse without triggerig any taxation, however the tax will be incur on the death of your spouse.


Capital Gains
When you die all the capital assets in your estate are treated as if they were sold at their fair market value immediately before death.  Your estate is then taxed on 75% of the increase in value of the capitals asset from the time of purchase.

While not taxed as severely as income, capital gains taxation can place a significant burden on the estate as if you required liquidity which may not be available.  This could result in the untimely forced liquidation of the assets.  The basic method for calculating capitals gains is the fair market value less the adjusted cost base usuallly equal to the original purhcase price plus selling expenses.

While your principal residence is not subject to this tax assets that may be included are the following:

                             * other real estate
                             * certain bonds
                             * shares in a corporation
                             * interests in a partnership
                             * mutual funds

Capital gains taxation applied to worldwide capital assets.  Therefore if you have foreign investments you may not only be subject to the Canadian capital gains tax but possibly a similar tax by the country in which your asset resides.


Probate  Fees
Every province with the exception  Quebec imposes probate fees.  With Ontario having the highest by a wide margin.  It can be argued that this is more of a wealth tax than a fee.

Probate is usually requred by third parties who seek assurance of the extent of the executor's authority.  While probate may only be necessary for certian assets once it is required the entire value of the estate could then be subject to probate fees.

Professional advise is recommended especially for large estates as there are many planning tools that can used to either avoid or reduce the amount of probate fees.  However probate does in many situation serve a valuable and necessary purpose and  should not be avoided.


The role of life insurance in estate preservation
There are 3 primary funding methods available to pay for the taxes incurred on death:

• Borrow or use personal funds

• However funds may not be availabe at the time of death and borrowing may          pllace an unnecessary burden on  your heirs.

• Liquidate the asset

This is a common response to the capitals gains tax.  However this forced          liquidation may not be well  timed and the price received may be a lot less than           the expected value.
 

• Life insurance

This is increasingly becoming the funding vehicle of choice.  lIfe insurance with it's tax-free payout on death and tax-free accumulation, is undoubtedly one of the most cost-efficient estate planning tools that can be used to either reduce or elimiate the impact of these tax laiabilities.

It is always advisable to consult your financial advisor before estate planning or  financial planning..

Recently I check into the Google Analytics and take a look at where my visitors come from.  It is a great surprise!   I am amazed to see that that I have 5,323  visitors from 452 different major cities all over the world. This shows that the whole world wants to make money.  Any way,   we all need it..

So it is obvisous that the number one thing nowadsys that appeals to everybody of all nationalities  is  'Money' !

So what is the number two thing that appeals to everyone, of all nationalities?   It is Friendship!!!

Based on this premised, here's a list of all sorts of friendship sites that you can join for free.

And you can promote all of these sites to your worldwide visitors and make money from them.

Life as an affiliate marketer is pretty easy. There are no products to develop,  carry or ship; and no orders to process or refund. All that and more is handled directly by the merchant. But it still takes a little know-how to build a site that turns visitors into customers, and Rosalind shares her extensive  knowledge in "The Super Affiliate Handbook: How I Made $436,797

Read the amazing true story of how one woman, with no previous business experience, earns 400,000+ per year ... selling other people's stuff online!
In her down-to-earth, sincere and often humorous style, Rosalind Gardner guides you through the entire process of building an affiliate marketing business on the 'Net. In 270+ pages, and more than 73,000 words, you'll learn how to pick the best programs, negotiate a commission raise and save time, money and effort on everything from affiliate software

to web hosting. To learn exactly how she does it, Click Here.

When a man steals your wife, there is no better revenge than to let him keep her.
David Bissonette
 

After marriage, husband and wife become two sides of a coin; they just can't face each other, but still they stay together.
Sacha Guitry

 
By all means marry. If you get a good wife, you'll be happy. If you get a bad one, you'll become a philosopher.
Socrates



Woman inspires us to great things, and prevents us from achieving them.
Anonymous


The great question... which I have not been able to answer... is, 'What does a woman want?
Dumas


I had some words with my wife, and she had some paragraphs with me.
Sigmund Freud


'Some people ask the secret of our long marriage. We take time to go to a restaurant two times a week. A little candlelight, dinner, soft music and dancing. She goes Tuesdays, I go Fridays.'
Anonymous


'There's a way of transferring funds that is even faster than electronic banking. It's called marriage.'
Sam Kinison


'I've had bad luck with both my wives. The first one left me, and the second one didn't.'
James Holt McGavra
 

Two secrets to keep your marriage brimming
1. Whenever you're wrong, admit it,
2. Whenever you're right, shut up.
Patrick Murra
 

The most effective way to remember your wife's birthday is to forget it once....
Nash


You know what I did before I married? Anything I wanted to.
Anonymous


My wife and I were happy for twenty years. Then we met.
Henny Youngman
 

A good wife always forgives her husband when she's wrong.
Rodney Dangerfield


A man inserted an 'ad' in the classifieds: 'Wife wanted'.. Next day he received a hundred letters. They all said the same thing: 'You can have mine.'
Anonymous

 

First Guy (proudly): 'My wife's an angel!'
Second Guy: 'You're lucky, mine's still alive.'
Anonymous

 
SEND THIS TO ALL THE GUYS TO GIVE THEM A GOOD LAUGH......AND TO THOSE LADIES WITH A SENSE OF HUMOR WHO CAN HANDLE IT!!!!!!!

These are the pictures of Guilda Ayoub, a 16-year-old girl from 'Imar' village situated near Zgharta, North Lebanon .

Guilda watched the film of 'Passion of the Christ ' on Good Friday on 06/04/2007, and before she went to sleep she was telling her mum that she doesn't believe that Jesus has passed through all that pain.

that night she dreamt of having a cross on her hand but the next day she woke up, did not have anything on her hand. She went to school and as she was telling her friend about it, she felt something pulling her hand backwards and putting it on the wall behind her.

Her hand was stuck on the wall and no one could take it off.. After a while when she took off her hand, a cross was printed on her hand with a wound in the middle as if there was a nail taken out of her.

Blood tests were done for her and the blood that was coming out of her hand has no blood group. Also there was oil on her hand.

Saint Charbel has talked to her many times and he was giving her messages. One of the messages was about Lebanon but he asked her not to say it until he tells her. She still has pain in her hand and it is still bleeding from time to time.




"Life is too short to wake up in the mornings with regrets. So love the ones who treat you right, forget the ones who don't. Remember that everything happens for a reason. If you get a chance take it, if it changes your life, then let it. No one said it would be easy, they just promised it would be worth it." 

This is one of the
Best prayers
I think I have ever read.
PRAY THIS EVEN IF YOU DON'T FEEL LIKE IT!!
IT WILL ONLY TAKE A MINUTE.
I started not to do this, but as I read it....
I understood God to say,
'You need a miracle tomorrow'
so here goes...Prov. 29:25




You never know
when God is going to bless you!!
Good things happen when
you least expect them to !!!!!!!!

Change the number in the subject box
when you forward it by adding one!!!


Dear Lord, I thank You for this day,
I thank You for my being able to see
and to hear this morning.
I'm blessed because You are
a forgiving God and
an understanding God.
You have done so much for me
and You keep on blessing me.
Forgive me this day for everything
I have done, said or thought
that was not pleasing to you.

I ask now for Your forgiveness.
Please keep me safe
from all danger and harm.
Help me to start this day
with a new attitude and plenty of gratitude.
Let me make the best of each and every day
to clear my mind so that I can hear from You.
Please broaden my mind
that I can accept all things.
Let me not whine and whimper
over things I have no control over.
And give me the best response
when I'm pushed beyond my limits.

I know that when I can't pray,
You listen to my heart.
Continue to use me to do Your will.
Continue to bless me that I may be
a blessing to others.
Keep me strong that I may help the weak...
Keep me uplifted that I may have
words of encouragement for others.
I pray for those that are lost
and can't find their way.
I pray for those that are misjudged
and misunderstood.
I pray for those who
don't know You intimately.
I pray for those that will delete this
without sharing it with others
I pray for those that don't believe.

But I thank You that I believe
that God changes people and
God changes things.
I pray for all my sisters and brothers.
For each and every family member
in their households.
I pray for peace, love and joy
in their homes; that they are out of debt
and all their needs are met.
I pray that every eye that reads this
knows there is no problem, circumstance,
or situation greater than God.
Every battle is in Your hands for You to fight.

I pray that these words be received
into the hearts of every eye that sees it
in Jesus'  name.  Amen!

If you prayed this prayer,
change the number in the subject box
before forwarding the message
so people can see how many
other people have done so.
God Bless ! ! ! ! !
 Just repeat this phrase and see how God moves!!

God I love you and I need you,
come into my heart, please.
Pass this message to 10 people except you and me. You will receive a miracle tomorrow.
Don't ignore this and God will bless you.
Know that you are already blessed
by the person who sent this to you. 

    I read this before.  The world is full of crooks!
     
    This is from a friend who works in a correctional jail facility and knows about these realities...  be safe...

    

    ALERT to anyone and everyone!  This is real and every person should know about this reality.  Share with your kids/friends etc.
 
 

   Read this!!

 
   "Scary cause I would probably stop.


    On the way to Cornwall, Ontario, driving on Vincent Massey Drive, on

    Thursday morning, I saw an infant car seat on the side of the road with a

    blanket draped over it. I did not stop, even though I had all kinds of

    thoughts running through my head. But when I got to my destination, I called

    the Cornwall PD and they were going to check it out. This is what I was

    told...

 
    "Several things to be aware of .. gangs and thieves, are now plotting

    different ways to get a person to "stop" their vehicle.
  

    "There is a gang initiation reported by police departments that gangs are

    placing a car seat by the road...with a fake baby in it...waiting for a

    woman, of course, to stop and check on the baby. Note that the location of

    this car seat will usually be beside a wooded or grassy (field) area ...and

    the person - woman - will be dragged into the woods- beaten and raped-

    usually left for dead. DO NOT STOP . DIAL 9-1-1 AND REPORT WHAT YOU SAW.
  

    "IF YOU ARE DRIVING AT NIGHT AND EGGS ARE THROWN AT YOUR WINDSHIELD. DO NOT

    OPERATE THE WIPER AND DO NOT SPRAY ANY WATER BECAUSE EGGS MIXED WITH WATER

    BECOME MILKY AND BLOCK YOUR VISION UP TO 92.5% YOU ARE THEN FORCED TO STOP

    BESIDE THE ROAD AND BECOME A VICTIM OF THIEVES. THIS IS A NEW TECHNIQUE USED

    BY GANGS. PLEASE INFORM YOUR FRIENDS AND RELATIVES. THESE ARE DESPERATE

    TIMES AND THESE UNSAVORY INDIVIDUALS WILL TAKE DESPERATE MEASURES TO GET

    WHAT THEY WANT."

    
    Please talk to your loved ones about this. This is a new tactic used and I

    would hate for anyone to fall victim to this kind of crime.

    Joyce McKay

    Central East Region

    Court Services Division

Being the first batch baby boomer I shall be 65 in February  2011.  Officially I shall then retire from my workplace.   Thanks to today's internet technoloby I have access to information I need to know.  For example, the details from Service Canada regarding when and how I should submit my old age security pension application.  If  people want to apply for old age housing,  here is the link Housing Connection.    By the way, I come acorss a perfect artilce for my boomer friends online:     It is written by Dr.  Cynthia Barnett.  It tells you how you can make the rest of your life the best of your life.  



10 Habits of Highly Effective Baby Boomers: How to Make the Rest of Your Life the Best of Your Life


Author: Dr. Cynthia Barnett

As a Baby Boomer, you are probably thinking about your retirement. Whether you plan to take early retirement (or you have already done so), or you are planning for retirement from your current career at age 65 or 70, you are probably actively planning for your financial future. You should also be cultivating the 10 habits of highly effective Baby Boomers to make the rest of your life the best of your life. Mastering these ten habits will help you prepare for retirement and enjoy it more when you decide to take that step.

1. Take 100% responsibility for your life. We all need to recognize that we, alone, are responsible for our past, our present, and our future. We need to take responsibility for the past and make peace with it; live responsibly in the present; and recognize that no one will plan our retirement for us. It is up to us to plan and prepare for the kind of life we want to have after we "retire."

2. Take your dreams off the back burner - put them on the front burner. Most of us have found it necessary to put a dream or two on the back burner because other things were more important or even urgent at the time. Preparation for retirement offers the prime opportunity to move those dreams to the front burner and start planning and working to make them your retirement reality.

3. Nurture your relationships - remain connected. The day after retirement, many people think their workplace relationships are over; but this doesn't need to be the case. If you have workplace relationships you value, you should continue to nurture and enjoy them. Ending a career doesn't mean you have to become a hermit. Remaining connected to the people who are important in your life will bring great joy into your life after the big day.

4. Develop happiness habits. Make a conscious inventory of the things that bring you happiness in life and make plans to continue to do those things. Think about other things that would bring happiness to your life after retirement and start developing habits that will sustain those connections and activities. Make being happy an intentional part of your retirement lifestyle.

5. Simplify and de-clutter. Retirement is the perfect time to shift gears into a simpler, less cluttered and less stressful lifestyle. Simplifying our lives both internally and externally is the perfect activity for the immediate post-retirement days. While you're at it, get rid of the clutter inside and around you. I think you will find the simpler and de-cluttered lifestyle very pleasing.

6. Enjoy the present moment NOW. It is easy to become overwhelmed by responsibilities, goals and things we simply need to do. After all, most of us have spent our lives preparing, planning and working for the next thing or the next step, whether a raise, a promotion, paying for college, etc. It is easy to become so focused on planning and preparing for the future that we forget to enjoy today. Retirement gives us the chance to stop and enjoy the present moment in the NOW instead of partially enjoying it when we look back at old photos. Retirement offers enjoyment and fulfillment in the present moment if we will just grasp it.

7. Discover and cultivate your strengths. Retirement brings freedom from supervisors and bosses telling you what they think your weaknesses are and how you should work on fixing them. I have a better idea: cultivate and play to your strengths. If a weakness gets in the way, then just figure out how to work around it!

8. Leave a legacy - Make a difference. One thing that seems consistent among Baby Boomers is the desire to leave behind a legacy of making a difference in the world. There are thousands of ways to do this. Just figure out how you can focus your interests and strengths on making some kind of difference somewhere for others.

9. Let go of the past. Most unhappy retirees are living in the past in their minds. They are reliving moments of joy or glory. They are rethinking and getting mired in guilt or regret over mistakes or missed opportunities. Recognize that the past is the past, including your last job, and live in the present, making things to look back on later in your life.

10. Renew your self physically, mentally and spiritually. The happiest retirees I encounter are those who are physically fit, mentally challenged and spiritually at peace.
All of the preceding nine habits will help you on your way to renewal.

If you are a Baby Boomer anticipating retirement and planning for your exciting life after retirement, I encourage you to practice these ten habits to enjoy a lifestyle that is fulfilling, passionate, and joyous.

About the Author:

Dr. Cynthia Barnett is a "refired" educator who has reinvented her life, moving from the school house to an entrepreneurial venue. She is a leading Retirement Lifestyle Specialist and retirement planning coach. She is the author of "Stop Singing the Blues: 10 Powerful Strategies for Hitting the High Notes in Your Life," and "Seven Secrets of Highly Effective Retirees." She was recently interviewed by Time magazine for their article on women in mid-life who have reinvented themselves. For more information, visit http://www.refiredontretire.com

Article Source: http://www.articlesbase.com/advice-articles/10-habits-of-highly-effective-baby-boomers-how-to-make-the-rest-of-your-life-the-best-of-your-life-484739.html

How to Profit From Stocks During the Financial Crisis

Posted: 22 Dec 2008 02:18 PM CST

Stock_Market By James McKerr

Investing in stocks has not been for the feint hearted over the last few months. However as any successful investor will tell you one of the best ways to make money is to do the opposite to everyone else. In this article I will explain how I have made money in the recent falling market and set out the strategy I have used.

Heard mentality is often talked about as one of the main drivers of the boom and bust cycles that have been present in the worlds stock markets for many years. It describes the behaviour that investors buy stocks simply because they are going up in value, not because they believe they are actually undervalued. The same is true in a falling market where investors simply sell stocks because everyone else is. This perfectly illustrates the irrationality of stock markets.

Many successful investors including the great Warren Buffet have often advised people to do the opposite from the crowd. This was something I heard a while ago and have now put at the heart of my investing strategy.

Shortly before many of the worlds leaders announced the huge rescue plans to bail out the worlds financial firms I began buying into financial stocks. Many of these I believed to be hugely undervalued after the recent sell offs. The subsequent rally over the last few days has now turned me a very nice profit.

Throughout the whole crisis I have switched the majority of my investing into smaller cap stocks (penny stocks). Such smaller firms are much less affected by the banking crisis and as a result have much less affected than the larger firms. In fact as investors have been seeking to move their money out of the major indices these stocks have suddenly become attractive and as a result been in greater demand, pushing up their value.

The big problem with investing in penny stocks however is the lack of available information on which to base your investments. To overcome this I use a stock selection service that does much of the fundamental and technical analysis of these firms for me and simply provides me with a great short list to work from. This basically saves me from wasting hours and hours trawling the Internet researching firms I do not end up investing in.

The final mantra to my stock strategy is to avoid my pride. Before purchasing a stock I set myself upper and lower profit and loss points where if the stock prices reaches them I will sell and either take a loss or profit. Though it is sometimes hard to stick to these it is the only way to not get emotional and chase after losses or stay in a stock to long thanks to your own greed.

If you want to know about the service I use to shortlist my potential stock picks here is a link to the original review I read. I wish you all the luck with your investing.

Article Source: http://EzineArticles.com/?expert=James_McKerr
http://EzineArticles.com/?How-to-Profit-From-Stocks-During-the-Financial-Crisis&id=1585996

This video clip is scary. 
It is more scary if you drive and talk on the cell phone.  Find out what happen next.

千萬記住不要在駕車時使用手機！ 「生命重要」 ! ! !

Dear All (the male gender mostly and those others who do not mind),

 

It's well known that women seldom say what they mean nor mean what they say.

So here're some good tips for dummies like men who may have their brain in the lower part of their bodies instead of on top of them:

NINE WORDS WOMEN USE

(1) Fine: This is the word women use to end an argument when they are right and you need to shut up.

(2) Five Minutes: If she is getting dressed, this means a half an hour. Five minutes is only five minutes if you have just been given five more minutes to watch the game before helping around the house.

(3) Nothing: This is the calm before the storm. This means something, and you should be on your toes. Arguments that begin with nothing usually end in fine.

(4) Go Ahead: This is a dare, not permission. Don't Do It!

(5) Loud Sigh: This is actually a word, but is a non-verbal statement often misunderstood by men. A loud sigh means she thinks you are an idiot and wonders why she is wasting her time standing here and arguing with you about nothing. (Refer back to # 3 for the meaning of nothing.)

(6) That's Okay: This is one of the most dangerous statements a women can make to a man. That's okay means she wants to think long and hard before deciding how and when you will pay for your mistake.

(7) Thanks: A woman is thanking you, do not question, or faint. Just say you're welcome. (I want to add in a clause here - This is true, unless she says 'Thanks a lot' - that is PURE sarcasm and she is not thanking you at all. DO NOT say 'you're welcome' . that will bring on a 'whatever').

(8) Whatever: Is a woman's way of saying F-- YOU!

(9) Don't worry about it, I got it: Another dangerous statement, meaning this is something that a woman has told a man to do several times, but is now doing it herself. This will later result in a man asking 'What's wrong?' For the woman's response refer to # 3.

 

• IF YOU CROSS THE NORTH KOREAN BORDER ILLEGALLY YOU GET 12 YEARS HARD LABOUR.

• IF YOU CROSS THE IRANIAN BORDER ILLEGALLY YOU ARE DETAINED INDEFINITELY.

• IF YOU CROSS THE AFGHAN BORDER ILLEGALLY, YOU GET SHOT.
• IF YOU CROSS THE SAUDI ARABIAN BORDER ILLEGALLY YOU WILL BE JAILED.

• IF YOU CROSS THE CHINESE BORDER ILLEGALLY YOU MAY NEVER BE HEARD FROM AGAIN.

• IF YOU CROSS THE VENEZUELAN BORDER ILLEGALLY YOU WILL BE BRANDED A SPY AND YOUR FATE WILL BE SEALED.

• IF YOU CROSS THE CUBAN BORDER ILLEGALLY YOU WILL BE THROWN INTO POLITICAL PRISON TO ROT.

• IF YOU CROSS THE CANADIAN BORDER ILLEGALLY YOU GET

   * A JOB,
   * A DRIVERS LICENSE,
   * SOCIAL INSURANCE CARD,
   * WELFARE,
   * CREDIT CARDS,
   * SUBSIDIZED RENT OR A LOAN TO BUY A HOUSE,
   * FREE EDUCATION,
   * FREE HEALTH CARE,
   * BILLIONS OF DOLLARS WORTh  OF  PUBLIC  DOCUMENTS   PRINTED IN YOUR  LANGUAGE, AND
   * THE RIGHT TO CARRY YOUR COUNTRY'S FLAG WHILE YOU PROTEST THAT YOU DON'T GET ENOUGH RESPECT.
 
    I JUST WANTED TO MAKE SURE I HAD A FIRM GRASP ON THE SITUATION .....