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Our use of body posture plays a key role in how we feel. When we are feeling "down" http://www.chaussuresrunningfrance.fr/ , our bodies show this by hunching the shoulders, we stare at the floor, our heads hang forward. When we are seated we tend to be slumped rather than relaxed. Our walk is more of a shuffle, speech is slow and quiet.

Compare this to how we feel when on an "up". Shoulders back, eyes forward, head held high and so on.

Do the following exercise yourself and notice the difference between the two stances.

Firstly, stand up. Think of yourself as an actor who has been asked to portray a person who is feeling unhappy and sad. How would you stand? You would have all the physical positions as described above:-

Hunched shoulders,

staring at the floor,

head dropped forward,

arms hanging limply by your side Chaussure Running Asics Pas Cher ,

back curved,

shallow breathing,

facial expression lifeless.

How do you feel? Awful, probably!

Now, change your position. The actor has now been asked to play someone that is full of confidence and happy. Again, how would you stand?

Shoulders back,

looking forward,

head held up,

arms forward as if offering a hug,

back straight Chaussure Asics Pas Cher ,

deep breathing,

smiling face.

How do you feel now? That's different, eh!

Simply be altering the way we use our bodies automatically has the effect of changing the way we feel. Even if we have a genuine reason for feeling unhappy, we can reduce the impact on our emotions by standing, walking, sitting and talking in a more confident manner.

Another useful method for raising your self confidence and changing your mood is to smile.

Even just by putting a smile on to our face can be effective. Not only does it send a "happy" message to our brains, it also sends out a signal of confidence to others. This in turn will generate a more welcoming response from the people with whom you come into contact. We all respond at some level to a smile directed at us. It feels good to us and it feels good to the person sending it.

Notice the way you use your body posture and start practicing using it to improve the way you feel. Be aware of the times when you are not feeling the way you would like and how you are using your body. And, as you become more proficient at it, start enjoying the better feelings that it generates.

Allan Cowley is a Life Coach working on a one-to-one basis with clients throughout the world. He provides online life coaching via his website. You can contact him at
Calculating the Time to Repay Loans Business Articles | September 28, 2012
Trying to calculate how long a loan will take to repay? Microsoft Excel can help. Excel's NPER Chaussure Running Asics France , or number of periods, function lets you easily calculate how long repaying a loan will take given the loan interest rate, its balance, and the payment made.


The NPER function calculates the term, or number of regular payments, on a loan or for an investment annuity given its interest rate, the payments, present value (or loan balance), future value (or balloon payment), and Chaussure Asics France , optionally, the type-of-annuity switch. If you set the type-of-annuity switch to 1, Excel assumes payments occur at the beginning of the period, following the annuity due convention. If you set the annuity switch to 0 or you omit the argument, Excel assumes payments occur at the end of the period following the ordinary annuity convention.


The function uses the following syntax:


NPER (rate, pmt, pv, fv, type)


For example, to calculate the number of $1 Homme Asics Gel-Quantum 360 Chaussures Noir Argent France ,000 monthly payments required to pay off a 9% mortgage that still has a $100,000 mortgage balance, you use the following formula:


=NPER (.0912,-1000,100000,0,0)


The function returns the value 185.53, representing roughly 185 payments and then another roughly half payment. Notice that to convert the 9% annual interest to a period interest, the formula divides the annual interest rate by 12. Notice, too Asics Gel-Quantum 360 Chaussures Blanche France , that the payment amount, as a cash outflow, shows as a negative value while the loan balance, as an implicit cash inflow, shows as a positive value.


NOTE The NPER function rarely returns an integer, or whole-number result. As in the preceding example, it commonly returns a fractional value, indicating that after the last regular payment, an additional fractional payment will also need to be made.


You can also use the NPER function to calculate investment terms. In this case, you calculate the number of payments that need to be made in order to reach some future value. Suppose Homme Asics Gel GT II Chaussures Noir Or H224N-460513 France , for example, that you want to calculate how many years a customer needs to contribute $2,000 to an Individual Retirement Account in order to amass a $1,000,000 portfolio. If you assume the customer will earn 9% annually and will make payments at the beginning of the year, you use the following formula to make this estimate:


=NPER (.09,-2000,0,1000000,1)


The function returns the value 43.45 Asics Gel Saga Chaussures Rouge Noir Jaune Blanche France , indicating the $2,000 payments will need to be made for slightly more than 43 years. Notice that the type switch is 1, which means that the function returns the amount that must be paid at the beginning of the year. If you instead want to calculate the amount that would need to be paid at the beginning of each year, you would use the following formula to make this estimate:


=NPER (.09,-2000,0,1000000,0)


This formula returns the value 44.43. This value is slightly more than the annuity due value because by making payments at year-end, the customer loses interest. If you wanted to make the same calculation but recognize the added fact that the customer already has $5,000 in his IRA account Asics Gel Atena RF Chaussures Marine Blanche France , you would use the formula:


=NPER (.09,-2000,-5000,1000000,0)


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