Living a happy, resilient and optimistic life is wonderful, and is also good for your health. Being happy actually protects you from the stresses of life. Stress is linked to top causes of death such as heart disease, cancer and stroke.

One of the better things ever said is – ‘The only thing in life that will always remain the same is change’, and in our life we have the power to make the necessary changes if we want to. Even if we find ourselves in an unbearable situation we can always find solace in the knowledge that it too would change.

Social networks or relationships are essential to happiness. People are different, accept people for who or what they are, avoid clashes, constant arguments, and let go of all kinds of resentments. If arguments seem unavoidable still try and make an effort to understand the situation and you might just get along with well with

Happiness is actually found in everyone, increasing it is a way to make a life more wonderful and also more healthy.

To be happy is relatively easy, just decide to be a happy person. Abraham Lincoln observed that most people for most of the time can choose how happy or stressed, how relaxed or troubled, how bright or dull their outlook to be. The choice is simple really, choose to be happy.

There are several ways by which you can do this.

Being grateful is a great attitude. We have so much to be thankful for. Thank the taxi driver for bringing you home safely, thank the cook for a wonderful dinner and thank the guy who cleans your windows. Also thank the mailman for bringing you your mails, thank the policeman for making your place safe and thank God for being alive.

News is stressful. Get less of it. Some people just can’t start their day without their daily dose of news. Try and think about it, 99% of the news we hear or read is bad news. Starting the day with bad news does not seem to be a sensible thing to do.

A religious connection is also recommended. Being part of a religious group with its singing, sacraments, chanting, prayers and meditations foster inner peace.

Manage your time. Time is invaluable and too important to waste. Time management can be viewed as a list of rules that involves scheduling, setting goals, planning, creating lists of things to do and prioritizing. These are the core basics of time management that should be understood to develop an efficient personal time management skill. These basic skills can be fine tuned further to include the finer points of each skill that can give you that extra reserve to make the results you desire.

Laugh and laugh heartily everyday. Heard a good joke? Tell your friends or family about it. As they also say -’Laughter is the best medicine’.

Express your feelings, affections, friendship and passion to people around you. They will most likely reciprocate your actions. Try not to keep pent up anger of frustrations, this is bad for your health. Instead find ways of expressing them in a way that will not cause more injury or hurt to anyone.

Working hard brings tremendous personal satisfaction. It gives a feeling of being competent in finishing our tasks. Accomplishments are necessary for all of us, they give us a sense of value. Work on things that you feel worthy of your time.

Learning is a joyful exercise. Try and learn something new everyday. Learning also makes us expand and broaden our horizons. And could also give us more opportunities in the future.

Run, jog, walk and do other things that your body was made for. Feel alive.

Avoid exposure to negative elements like loud noises, toxins and hazardous places.

These are the few simple things you can do everyday to be happy.

And always remember the quote from Abraham Lincoln, he says that, “Most people are about as happy as they make up their minds to be.”

Most people are aware that you can reduce your taxes by deducting expenses and qualified charitable contributions. What most people don’t realize is that small business owners live and die by those deductions. Tax rates have risen on the self employed more than any other segment in our society. To counter these tax hikes, legislators created more “loop-holes” write off’s and deductions for small business owners to use.

For this reason, small business owners rely on creative CPA’s to maximize their deductions in order to show less income and pay less taxes.There are nearly 23 million small businesses in America and over 35 million sole-proprietors and almost every one of them employ savvy CPA’s to keep them in the black. The draw-back is that by doing this most self employed borrowers are unable to prove enough income on paper when applying for a loan or a mortgage.

Traditional mortgage lending practices of yester-year required that borrower’s prove sufficient income when taking out a loan. Over the years, taxes have risen for small business owners at staggering rates, far above what they have for W2 employees. At the same time the self employed borrower’s “provable” income has dwindled proportionately. Under traditional banking rules most of the self-employed people wouldn’t be able to qualify for business loans or mortgages. This would ultimately force small business owners out of business and cripple our would economy.

This new business paradigm literally forced the banking industry to create lending products that catered to small business owners who could not prove all of their income. These products were called “stated” income loans and did not require borrowers who had good credit to prove their income. These products originally required good credit and sufficient assets in order to qualify for them. Responsible guidelines and common sense underwriting kept default rates on these products in line with conventional mortgages. Unfortunately, as competition for this segment of borrowers stiffened between lenders the stringency to qualify for these mortgages softened, thus the mortgage crisis.

It is exactly this type of loan that our law-makers are trying to do away with through legislation. The new mortgage bill being bounced around has specific remedies for irresponsible lending. Meaning, if a bank loans you money and it can be proven in court (attorneys like this law by the way) that the bank was irresponsible in doing so they could be penalized. The definition of “irresponsible” is did the borrower have the capacity to repay the loan, meaning did they prove enough income. This bill will kill stated income loans, period.

So where does this leave the responsible self employed borrowers who needed these loans to live and operate their businesses? This leaves them with higher taxes. Should this bill pass self employed borrowers will be forced to claim more income each year on their tax returns in order to qualify for car loans, mortgages and even business loans. This will negate any of the loop-holes and deductions they were promised in lieu of higher taxes.

This means the government will rake in billions in extra revenue as a result of this bill. For example, let’s assume that a small business owner claimed $40,000 in income last year after deductions and business expenses. If she was in a 40% tax bracket she would pay roughly $16,000 in taxes. Under the new banking guidelines that same business owner may have to claim $80,000 In order to qualify for mortgages, car loans and business loans. Assuming she’s in the same tax bracket, she would now have to pay $32,000 in taxes.

Multiply $32,000 by 23 million business owners and that’s one huge pay-day for Uncle Sam. You can bet that the Senators pushing this bill through congress are well aware of this left handed tax raise. You will never hear them mention it either, I wonder why?. You will hear about the naughty lenders that put good wholesome red blooded Americans in the street through predatory lending practices. You will never hear about the 20 million business owners who paid their mortgages on time and actually need these loans to stay in business.

1. Stop it already with the dictates of your family’s tradition. Choosing the right baby name does not have to always rely on what your elderly relatives deem to be the best baby name. It is your baby’s name, not theirs. So, better act like it. Once your baby is born he will be stuck with that baby name for life. That means it’s not wise to just settle for any baby name that will suit your grandma’s or auntie’s taste.

2. Take a look of a picture of his future. You don’t want your baby to be always called with a monicker that will forever ridicule him or will allow his playmates to make a big laughingstock out of him, right? Research about the meaning of the baby name you are eyeing to give to your baby. Don’t consider Beelzebub as a prospective baby name just because you heard it from a TV show and you find it cute. Don’t use Rodelfa just because a certain Mexican TV show’s hunky lead actor is called Rodolfo. Just plainly saying yes to your gutfeel, thinking of the people that pops into your head upon hearing somebody spout a certain name, trying to follow a fad by naming your baby a certain celebrity’s (sometimes notorious) or NOT THINKING AT ALL in giving your precious one his or her baby name are huge no-nos!

3. Consider reading the initials of the baby name you are planning to give your baby. Make sure they don’t stand for anything funny, disturbing or something utterly stupid. Christine Sue Irving? What will happen on the next episode? Alvin Stephen Stuart? He’ll surely remember not to get near any hole. Fran Ursula Catherine Klein? Uh-oh! See? Can you imagine the sickening situation you may put your child into when he or she grows up?

4. Go check your family tree once and for all. Some can’t still get away from some traditions regarding baby name decisions, especially when they have a special bond with a certain family member that they want that person’s name to be a part of their baby’s name. If your planning to still follow the tradition of putting a part of your elder relatives’ names on your baby’s name, you have to know whether anybody else in your family use that name too. You don’t want to confuse people when they’re calling a name that’s owned by two. Ask around.

5. Don’t go for the overkill. Being too creative on thinking of a baby name can backfire, I’m telling you. Examples are too unique spellings. It will be hard for the kid to keep on spelling his or her name to people who only know the common spelling of such name.

6. Decide with your partner in coming up with the best baby name for your sweet baby. It wouldn’t be nice to be always blamed when people ask who chose that awful baby name, right? Okay, kidding aside. Sharing on this kind of decision-making is a good way of furthering your bond as a couple, not to mention the possibility of coming up with a better baby name. Remember that the “two heads are better than one” thought also applies to dealing with the troubles of finding the most suitable baby name for your baby.

Sound, appeasing relatives and friends and avoiding embarrassing initials and discovery of disgusting meanings are some of the major concerns that should be considered in your quest for the perfect baby name. You might find them a bit taxing. But in the long run, you’ll see that doing your homework will make your baby thank you when the right time comes. Happy baby naming!