“Alternative Notions of Life, a Different Path: Guardian Angels ...

By Carl "J.C." Pantejo
By Carl “J.C.” Pantejo, Copyright August 2007.

(*Below is an excerpt from “My Friend Yu – The Prosperity Mentor,” Copyright August 2007. Pantejo - Y.N. Vurce Publishing.)


One time, when I was a young man of about 23 years old, I bought a small, starter home in Marietta, Florida. It was about 25-30 minutes away from the Navy Base where I was assigned. The house was tiny and old. It was warmed by heating oil from a fuel tank located behind the house.

Winters in this upper part (almost Georgia) of Florida were very cold.

- One Thing after Another -

I was a low ranked enlisted man and newly married. We constantly struggled to make ends meet. Then the wife got laid off from her job.

Unexpectedly, a cold front came in from nowhere – way too early than all forecasts. And, as you would expect, we were out of heating oil and money.

I had never felt so helpless in all my life. Negativity entered my mind and I just sat on my front porch, feeling almost paralyzed, bundled up in two pairs of pants and three coats.

My wife tried to console me, but all I could think about was how much of a failure I was. No matter how much I tried to plan out our budget, something always seemed to pop up.

Many times I would have to get advance loans on my paycheck. These advances were ridiculously expensive – sometimes 20-30% interest, not including the up-front processing fees!

Of course, that just left me starting the next month with a smaller paycheck.

- Distraction or Serendipity -

Yes, I was feeling sorry for myself. How did I get this way? I always worked very hard. I was never extravagant in any area of our financial matters. How? Why? It just didn’t make sense at the time.

Then, some activity in the house across the street distracted me; momentarily freeing me from the current “woe-is-me syndrome.”

It looked like my neighbor was moving.

I had known the old man for about eight months (the total time I was at home from military operations in the last year and a half). Because he seemed so lonely, I always made it a point to say hello. I helped him with his yard when I could, and let him tell me about his life.

The man’s solitary situation reminded me how lucky I was to have my wife. I was instantly filled with a great sense of gratitude for the love and companionship of my wife. Although we were going through some rough times, we always seemed to remember what we really meant to each other.

Now it looked like this lonely, old man was moving?

I hoped everything was going to be okay for him. I didn’t see a “for Sale” sign in his yard, so I walked across the street and peered into his open front door. Yes, all his things were all boxed up. When he walked into his living room carrying another box, I took it from him and placed it next to the others.

After chatting for a bit, he told me that his daughter and husband extended an invitation to live with them up north; and that he was eager to be around his grandchildren. I sincerely wished him good luck and asked him if he needed help with anything else.

Then something miraculous happened.

The man told me that everything was done except for one thing. He had to stay for two more days because the people he was paying to drain his heating oil tank were too busy! Immediately I volunteered to do it for free!

He was overjoyed.

I was stunned.

He was totally unaware of my desperate need for heating oil and was simply happy to be leaving earlier.

Can you believe it?

One minute I’m feeling sorry for myself because I thought my wife and I would freeze; and now my neighbor was giving me a full tank of heating oil – enough to last for at least three payday periods!

- Universal Laws in Action -

The Law of Attraction: Like causes attract like effects. Being positive attracts more positive things into your life; while negativity attracts more negative things.

The Law of Cause and Effect: Sowing and reaping, karma, or “what goes around comes around,” etc. You literally get back what you dish out. It is true that no bad deed goes unpunished. If you live by the sword, you die by the sword.

The Law of Cause and Effect goes hand in hand with the Law of Attraction. These laws govern all our lives (and the rest of the Universe). They operate perfectly and without prejudice – all the time.

- Accumulated Returns -

Good deeds always result in some form of goodness coming back to you. In fact, whether negative or positive, the result that “rebounds” back from the universe will often be many times larger than what was initially “thrown” out there.

Here’s a simplified explanation for this “multiplied rebound” phenomena:

When you act or think, the effects of your actions and thoughts spread out through the universe like the ripples made when a pebble is thrown into calm water. As your effects travel outward into the universe, they touch everything in its path. In turn, those affected - from the furthest to the nearest – respond with their own “ripples” back towards you.

Each response is added to the group of “returning ripples;” eventually growing into a “returning wave.”

Depending on how far in the universe and how many were affected by your thoughts or actions, the accumulated return from the universe could be the size of a small wave; or the size of a good surfing wave; or the size of an enormous tsunami!

- Heating Oil and Universal Laws -

Now, I understand why the above “heating oil” event unfolded the way it did.

In the beginning, the negativity and self-pity I kept focusing on actually attracted more of the same (Law of Attraction). When I replaced the negative thoughts with gratitude (the love of my wife), things immediately changed for the better.

When I stayed positive and offered to help the old man, the universe responded in kind; giving me a massively good thing in return (the heating oil)!

And I re-examine my other “guardian angel,” miracle experiences, it all really makes sense now. Whenever I obeyed the Universal Laws setup by the Original Substance (God), something or someone always appeared out of nowhere to help me in my hour of need.

“Until next time, be brave enough to take a Different Path.”

Your Friend in this Intrepid Journey called Life,

Carl “J.C.” Pantejo

Law of Attraction, Law of Cause and Effect, Universal Laws, guardian angel, love, positive, negative.

Note: If you want to read more about Universal Laws, unconditional love, exorcising past personal demons, and the Illusive Secret of Happiness, please read the following articles:

“Experiences from ‘The Flow’: From Heartbreak to Happiness”

“Experiences from ‘The Flow’ (2): Coincidence or Synchronicity: FROM RELAPSE TO MIRACLES...”

“Experiences from ‘The Flow’ (3): LOST AND FOUND - Kindred Spirits and Mistakes made in Haste.”

“Experiences from ‘The Flow’ (4): LOST AND FOUND – Meant to Be?”

“Experiences from ‘The Flow’ (5): “The Stray”

“Experiences from ‘The Flow’ (6): “New Beginnings, Old Endings”

“Experiences from ‘The Flow’ (7) - Living Well? Farangs and Finance: The Myth”

“Experiences from ‘The Flow’ (8) Living Well? Farangs and Finance: The Reality, Stupidity, and Hard Knocks.”

“How Dare She! Out of Desperation I Learned How to Forgive”

“Remember Who You Are!”

“Need to Heal Your Broken Heart? Read on. Overcome Heartbreak and Learn the Illusive Secret of Happiness.”
“Simple (and Priceless) Life Lessons From the Most Influential Prosperity Mentor in My Life - My Father”
And much more!

(By Carl “J.C.” Pantejo and published internet-wide, keyword: [title of article] or “Carl Pantejo”)


Pantejo@ynvurcepublishing.com

About the author:

He is a retired U.S. Military veteran. Believing that school was too boring, he dropped out of High School early; only to earn an A.A., B.S., and MBA in less than 4 years much later in life – while working full-time as a Navy/Marine Corps Medic. In spite of a fear of heights and deep water, he free-fall parachuted out of airplanes and performed diving ops in very deep, open ocean water.

Pantejo@ynvurcepublishing.com
http://www.ynvurcepublishing.com

Michigan Bankruptcy Law Helps You Choose the Bankruptcy Act for You

By Muna wa Wanjiru
The word bankruptcy conjures up frightening images of your entire life collapsing around your ears. In this nightmare you feel as if you have no one to help you. This is not the case as the various states have various laws like the Michigan bankruptcy law, to help you out. These laws can help you choose the type of bankruptcy act that will be the most helpful for your situation.

Before you can apply for a bankruptcy hearing Michigan bankruptcy law requires that you go through with credit counseling at an approved government counseling agency at least 6 months before you file for bankruptcy.

As the bankruptcy process can be very complicated you might want to ask a bankruptcy lawyer to explain the Michigan bankruptcy law. This way you will understand what is needed from you before the courts can state that you are bankrupt.

Before you start the process of bankruptcy filing you will need to gather all of the documents that are needed by Michigan bankruptcy law to prove that you need to be declared bankrupt.

The documents that you need will include any deeds and titles to land and vehicles that you own, loan documents, your tax returns for the last 2 years, property and assets, all secured and unsecured debts with the names of the creditors listed, monthly living expenses, and major financial transactions for the last 2 years. You will also need to itemize your current income sources.

Once these various documents have been presented to your bankruptcy lawyers you will be required by the Michigan bankruptcy law to undergo a means test. The means test will be based on your monthly income and living expenses.

If your monthly income and expenses are more than what is the average for Michigan employee earners you can’t file for chapter 7 bankruptcy. Instead you will be able to apply for chapter 13.

In the Michigan bankruptcy law chapter 13 allows you to keep all pf your assets and property. You can pay off your creditors using the wages that you have left from your monthly expenses.

The chapter 7 bankruptcy act will require that a bank trustee liquidate your various assets to pay off your creditors. Once all of the debts have been paid, you will need to go through with a financial management instructional course after you have filed for bankruptcy.

The Michigan bankruptcy law is designed to protect you from being harassed as you try to settle the various debts that you have. The act of declaring that you are bankrupt should only be taken if you have no other course left open to you.

About the author:
Muna wa Wanjiru is a web administrator and has been researching and reporting on internet marketing for years. For more information on Michigan bankruptcy law, visit his site at MICHIGAN BANKRUPTCY LAW

Article Source: http://www.Free-Articles-Zone.com

What it Takes for a Bankruptcy Michigan Law to Issue a Discharge ...

By Muna wa Wanjiru
There are many different ways that you can get rid of the many debts that you have accumulated. These ways can include going to bankruptcy courts but you should know what is recommend for the bankruptcy courts in your state. The bankruptcy Michigan law requires that you go through with credit counseling before you apply for bankruptcy.

The bankruptcy Michigan law has incorporated the new bankruptcy act in their laws regarding bankruptcy. In this law you will have to attend a court approved credit counseling agency sessions at least 6 months before you can receive a certificate that will allow you to apply for bankruptcy.

Once you have qualified to begin the process of bankruptcy you should contact a bankruptcy lawyer as this person needs to give you a, means test. This means test, is part of the new bankruptcy Michigan law. This test will determine what your financial status is so that you can see which chapter of the bankruptcy code that you can apply to have your bankruptcy declared.

Depending on the means test and if you have less than $6000, after monthly living expenses, rent, food, loans and medical bills, has been deducted from your income for the next 5 years then you can qualify for chapter 7. Otherwise you will have to apply for chapter 13 of the bankruptcy Michigan law.

For chapter 13 you will need to have your repayment plan with all of the repayment details clearly given. This way the court will be able to see if you are sincere in your desire to get rid of your debts. Once the court and your creditors are sure that you will be able to repay the debts that you have owing you will be able to file for bankruptcy.

Once the process for both of these bankruptcy cases has begun you will need to gather the various paperwork that you need. This paperwork will include an itemized list of your current income sources, the major financial transactions that you have carried out for the last 2 years, and your monthly living expenses.

You will also need other items to satisfy the bankruptcy Michigan law act. Your various secured and unsecured debts must be readied to be handed over to your lawyer and then the court. Any property and assets that aren’t exempt for the bankruptcy Michigan law must be handed over along with any title deeds.

The paperwork for your bankruptcy case will include your tax returns for the past 2 years and any loans of yours. Once this information is ready you can file for bankruptcy. The courts of Michigan will issue an automatic stay if you have proved that you are in severe financial difficulties.

Once you have paid your debts the bankruptcy Michigan law will issue a discharge notice. You will however have to undergo a financial management instructions counseling session. When all of these details are seen to you can start your new life.

About the author:
Muna wa Wanjiru is a web administrator and has been researching and reporting on internet marketing for years. For more information on bankruptcy Michigan law, visit his site at BANKRUPTCY MICHIGAN LAW

Article Source: http://www.Free-Articles-Zone.com