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A friend of mine recently asked, "What is most important in your life?" What a powerful question! Before you read my answer below, I'd really like to hear what is most important in YOUR life. If you like, please leave me your answer to this question as a comment below. What's Most Important In My LifePut simply, what is most important in my life is cultivating the ability to help people be happy, and to relieve them of the suffering they experience. My No. 1 aspiration in life is to leave each person I interact with at least a little bit better off than I found them. Sometimes this means taking a lot of time to help someone. Many times it means simply making eye contact and smiling to others as they walk by. This effort is so important to me because I have become acutely aware of how much pain I feel when I have done things that contribute to the suffering of other people, and how much joy I feel when I help someone to be happy and/or suffer less. The ability to help people be happy and suffer less is what I call true love, which I think has three essential components: kindness, compassion, and equanimity. True Love Is Not a FeelingMost people refer to love as a feeling. And the word is used equally for people and things, including hamburgers and pizza. We've all heard someone say, "I love pizza," right? I believe that what they're referring to is not love, but liking someone or something, and/or feeling passion, or desire. I see love not as a feeling, but as an ability -- the ability to respond to people, and all of life, with kindness, compassion, and equanimity.
Although there is an almost endless list to the benefits of practicing mindfulness, cultivating true love has been the principal motivation for my practice. The insight that comes from the continued practice of mindfulness -- that we are not the ego but that which is aware of the ego -- gradually reduces how selfish we are. True love -- kindness, compassion, and equanimity -- is the natural result of being less attached to the ego. The Benefits of True LoveCultivating true love is probably the most powerful thing we can do to increase our own happiness. Arianna Huffington just posted a great article on the abundance of evidence for how true love improves our own life. In addition to improving our own life, I truly believe that training for true love is the most important thing we can do to "save the world," to end suffering permanently. I've realized that if I can uproot selfishness in me, I am free from suffering and I realize true love. I can also help others to uproot selfishness, be free of suffering and realize true love. If they can do it, they can help others. Imagine what the world would be like if everyone was free from selfishness and suffering and capable of true love in each moment. There would be no wars, no one would go without food and shelter, and no one would be lonely in moments of pain. Aware of the fact that each moment I practice mindfulness is taking us one step closer to a world free of suffering makes each moment of my life feel incredibly meaningful. What's most important in your life? How often do you remind yourself of what's most important? For more on emotional wellness, click here.For more by Matt Tenney, click here. Follow Matt Tenney on Twitter: www.twitter.com/@MattTenney1 Source: Huffingtonpost Ilvliat Ilvliot Ilvlii đã thêm bạn vào sổ địa chỉ trên Twoo và muốn kết nối với bạn
How to Spot a Fake Canon Flash... And How I Learned the HardWay A single of the two Canon Speedlite flashes previously mentioned is fake. Can you tell which a single? About a month in the past I walked into the Canon Quick Fix Centre in Shanghai. I had a small difficulty with a Canon 580 EX II: the large-speed sync refused to work. That didn’t occur. Rather, batteries had been exchanged, Free coworkers referred to as from lunch breaks and superiors consulted. No person could recognize the unusual habits of my flash right up until finally, an engineer spotted the concern: we were seeking at a faux. I experienced bought a counterfeit flash. But this wasn’t just any faux merchandise. This a single experienced fooled digicam restore stores, expert photographers and Canon workers for way longer than we all most likely would treatment to confess. (It experienced also fooled me for nearly a thirty day period but I currently told you I’m not really sensible.) You may well believe you could spot a Chinese knockoff solution. We all have witnessed images of phony Louis Vuitton purses with crooked logos, or hilariously low cost-looking Apple item imitations. But you’d be incorrect and it is precisely this variety of pondering that got me in difficulty. I had obtained the flash on the Chinese model of eBay â€" a web site named Taobao. My neighborhood coworkers had advised me how to store there: go for a seller with lots of constructive suggestions, keep away from unrealistically minimal charges, chat with the keep owner to validate the products are legit and often use the income on delivery method Chinese firms constantly provide since several neighborhood buyers really do not have credit playing cards.  A lookup for my flash on Taobao.com reveals charges as low as Â¥1,400 (~$229). I went with a seller who billed a much more affordable-sounding Â¥2,280 Taobao has a status for possessing poor sellers just like eBay, but so much I had been lucky: a model new Manfrotto tripod ran me half of what I would have paid out in the US and I had completed likewise effectively acquiring a great LED flashlight. I wasn’t overly anxious when I noticed my Canon 580 EX II listed for about Â¥2,280 (~$373) even however I experienced compensated almost $one hundred thirty far more at a US-based mostly digicam store just two several years earlier. This was China, the region in which every little thing was cheap! I utilised the computerized translation characteristic in Google Chrome to chat with the vendor and rapidly agreed to acquire the product. Just a working day later on, a delivery driver showed up. I seen the ubiquitous crimson and white Canon tape, read the copy on the packaging and even opened it to hearth a take a look at shot just before I paid out the driver. I could not find any faults, so I paid for it. And now listed here I was, surrounded by welcoming-to-a-fault Canon employees, who methodically eliminated any hope that the flash might not be a knockoff soon after all. “It was even now a very good flashâ€, I considered as they took images, but the fact nevertheless stung. If only I experienced known what to search for, I imagined. A person should publish a information, I imagined. So right here is how you can determine out if your flash is true or faux:  Recognize the bogus serial quantity on the still left flash. I nevertheless can not tell the two Canon logos aside. Shell out focus to the serial quantities. Canon flashes do not have serial quantities that commence with letters [Update: The technician who advised me this could have been mistaken. See beneath]. Supposedly the Canon emblem on the fake flash is somewhat much less refined than the actual equivalent but I just can’t see the variation. After they had observed the odd serial quantity, the Canon personnel started their closer inspection.  The distinction in color among my flashes is very refined. Whilst shooting this picture I noticed the flash bulb looks to be various in condition, as well. The color of the glass display at the best stop of the flash is marginally different. The faux flash has a somewhat more blue looking glass than the real one. I thought this was just due to the fact my genuine Canon 580 EX II flash was a few years outdated and Canon may well have produced updates in the meantime but this inconsistency ought to have been yet another trace that my new flash was a bogus. (The flash bulbs look to also have a various condition but I think about that way too difï¬cult to place to make it a individual position.)  Notice the strong slab of glue on this phony 580EX II.  The adhesive on a actual Canon 580EX II is utilized in ï¬ne, intersecting traces. This should search like a sensitive grid when peeled back. Employing a knife or scissors, peel back again the rubber on the side of the flash head. You will see a white adhesive. Canon applies a set of really thin intersecting lines of adhesive here, making a good mesh that nevertheless appears reasonably darkish. My faux flash just has a single sound slab of white glue. When the engineer observed this, he was absolutely certain this flash was a bogus.  Why sure, that flash is entirely off. Last but not least, if you have a digicam with flash control menus, link the flash to the hotshoe and see if you can change its configurations in digicam. This component operates unreliably on my phony flash but it’s rock solid on my real Canon EX 580 II. If you have a flash that can not be conï¬gured from a camera menu, be suspicious. So exactly where does this go away me?  These palms belong to a Chinese man who insisted on assisting me as he handed by on the road. I have a fake flash that seems to put out the very same quantity of mild as my genuine 580EX II. That is the critical component â€" if it have been performing substantially in different ways than my other flash, I completely assume the fake to split faster fairly than later on, and it definitely was not what I was hoping for, but until it does, it’s the flash I’ll just take with me when I go into dusty, damp and Update: Different commenters have stated they have flashes with serial figures that begin with letters and Canon CPS has since mentioned the “serial number is not a identifying element.†I regret this error. Supposedly the Canon logo on the bogus flash is a bit considerably less refined than the true equal but I just can’t see the difference. About the writer: Chris Petersen-Clausen is an Artwork Director who at the moment life in Shanghai, China. How to Spot a Fake Canon Flash... And How I Learned the HardWay A single of the two Canon Speedlite flashes previously mentioned is fake. Can you tell which a single? About a month in the past I walked into the Canon Quick Fix Centre in Shanghai. I had a small difficulty with a Canon 580 EX II: the large-speed sync refused to work. That didn’t occur. Rather, batteries had been exchanged, Free coworkers referred to as from lunch breaks and superiors consulted. No person could recognize the unusual habits of my flash right up until finally, an engineer spotted the concern: we were seeking at a faux. I experienced bought a counterfeit flash. But this wasn’t just any faux merchandise. This a single experienced fooled digicam restore stores, expert photographers and Canon workers for way longer than we all most likely would treatment to confess. (It experienced also fooled me for nearly a thirty day period but I currently told you I’m not really sensible.) You may well believe you could spot a Chinese knockoff solution. We all have witnessed images of phony Louis Vuitton purses with crooked logos, or hilariously low cost-looking Apple item imitations. But you’d be incorrect and it is precisely this variety of pondering that got me in difficulty. I had obtained the flash on the Chinese model of eBay â€" a web site named Taobao. My neighborhood coworkers had advised me how to store there: go for a seller with lots of constructive suggestions, keep away from unrealistically minimal charges, chat with the keep owner to validate the products are legit and often use the income on delivery method Chinese firms constantly provide since several neighborhood buyers really do not have credit playing cards. A lookup for my flash on Taobao.com reveals charges as low as Â¥1,400 (~$229). I went with a seller who billed a much more affordable-sounding Â¥2,280 Taobao has a status for possessing poor sellers just like eBay, but so much I had been lucky: a model new Manfrotto tripod ran me half of what I would have paid out in the US and I had completed likewise effectively acquiring a great LED flashlight. I wasn’t overly anxious when I noticed my Canon 580 EX II listed for about Â¥2,280 (~$373) even however I experienced compensated almost $one hundred thirty far more at a US-based mostly digicam store just two several years earlier. This was China, the region in which every little thing was cheap! I utilised the computerized translation characteristic in Google Chrome to chat with the vendor and rapidly agreed to acquire the product. Just a working day later on, a delivery driver showed up. I seen the ubiquitous crimson and white Canon tape, read the copy on the packaging and even opened it to hearth a take a look at shot just before I paid out the driver. I could not find any faults, so I paid for it. And now listed here I was, surrounded by welcoming-to-a-fault Canon employees, who methodically eliminated any hope that the flash might not be a knockoff soon after all. “It was even now a very good flashâ€, I considered as they took images, but the fact nevertheless stung. If only I experienced known what to search for, I imagined. A person should publish a information, I imagined. So right here is how you can determine out if your flash is true or faux: Recognize the bogus serial quantity on the still left flash. I nevertheless can not tell the two Canon logos aside. Shell out focus to the serial quantities. Canon flashes do not have serial quantities that commence with letters [Update: The technician who advised me this could have been mistaken. See beneath]. Supposedly the Canon emblem on the fake flash is somewhat much less refined than the actual equivalent but I just can’t see the variation. After they had observed the odd serial quantity, the Canon personnel started their closer inspection. The distinction in color among my flashes is very refined. Whilst shooting this picture I noticed the flash bulb looks to be various in condition, as well. The color of the glass display at the best stop of the flash is marginally different. The faux flash has a somewhat more blue looking glass than the real one. I thought this was just due to the fact my genuine Canon 580 EX II flash was a few years outdated and Canon may well have produced updates in the meantime but this inconsistency ought to have been yet another trace that my new flash was a bogus. (The flash bulbs look to also have a various condition but I think about that way too difï¬cult to place to make it a individual position.) Notice the strong slab of glue on this phony 580EX II. The adhesive on a actual Canon 580EX II is utilized in ï¬ne, intersecting traces. This should search like a sensitive grid when peeled back. Employing a knife or scissors, peel back again the rubber on the side of the flash head. You will see a white adhesive. Canon applies a set of really thin intersecting lines of adhesive here, making a good mesh that nevertheless appears reasonably darkish. My faux flash just has a single sound slab of white glue. When the engineer observed this, he was absolutely certain this flash was a bogus. Why sure, that flash is entirely off. Last but not least, if you have a digicam with flash control menus, link the flash to the hotshoe and see if you can change its configurations in digicam. This component operates unreliably on my phony flash but it’s rock solid on my real Canon EX 580 II. If you have a flash that can not be conï¬gured from a camera menu, be suspicious. So exactly where does this go away me? These palms belong to a Chinese man who insisted on assisting me as he handed by on the road. I have a fake flash that seems to put out the very same quantity of mild as my genuine 580EX II. That is the critical component â€" if it have been performing substantially in different ways than my other flash, I completely assume the fake to split faster fairly than later on, and it definitely was not what I was hoping for, but until it does, it’s the flash I’ll just take with me when I go into dusty, damp and Update: Different commenters have stated they have flashes with serial figures that begin with letters and Canon CPS has since mentioned the “serial number is not a identifying element.†I regret this error. Supposedly the Canon logo on the bogus flash is a bit considerably less refined than the true equal but I just can’t see the difference. About the writer: Chris Petersen-Clausen is an Artwork Director who at the moment life in Shanghai, China. JPMorgan to stop making student loans: company memo
(Reuters) - JPMorgan Chase & Co (JPM.N) has decided to get out of the student loan business, after the biggest U.S. bank concluded that competition from federal government programs and increased scrutiny from regulators had limited its ability to expand the business.
JPMorgan, which already restricted student loans to existing Chase bank customers, will stop accepting applications for private student loans on October 12, at the end of the peak borrowing season for this school year, according to a memo from the company to colleges that was reviewed by Reuters on Thursday. Final loan disbursements are expected before March 15, 2014. "We just don't see this as a market that we can significantly grow," said Thasunda Duckett, chief executive for auto and student loans at Chase, in an interview. Not making more loans "puts us in a position to redeploy those resources, as well as focus on our No. 1 priority, which is getting the regulatory control environment strengthened," Duckett said. JPMorgan's decision comes after Congress acted in mid-2010 to bypass the banks and have the government lend directly to students. The federal government now issues 93 percent of student loans. Banks and other private lenders have also come under pressure from regulators and politicians to offer more flexible repayment terms on student loans. JPMorgan's portfolio has been shrinking by roughly $1 billion to $2 billion a year since then, and is a small fraction of its assets. The company's student loan portfolio at the end of June held $11 billion - less than 0.5 percent - of its $2.44 trillion of assets. Last year, Chase made education loans to 12,500 people for a total of about $200 million. Hundreds of thousands of students, however, still look to private lenders when they have exhausted their federal borrowing limit. Richard Hunt, president of the Consumer Bankers Association, said decisions like JPMorgan's show that the government's direct lending policies are leading to "less competition in the marketplace." He said the government programs encourage students to take on more debt than they can afford because the loans, unlike those made by banks, do not require assessments of the ability to repay. But many experts have said that the primary problem with student lending lies in how much college costs and in the sheer size of the debt taken on, not in who makes the loans and how they are structured and how much they cost in interest. Moreover, others may fill in the gap. Other major lenders that remain in the business include SLM Corp (SLM.O), known as Sallie Mae; Wells Fargo & Co (WFC.N); and Discover Financial Services (DFS.N). Both Wells and Discover said on Thursday that they would continue to make student loans. Danny Ray, president of Discover Student Loans, said although competition from the government has taken business from lending for graduate studies, his bank found more demand from undergraduate students who have already reached their government borrowing limits and are still short of the money they need. Credit unions could also use exits by banks such as JPMorgan as an opportunity to do more business. Many entered the market in 2010 and have made about $2 billion of student loans since then, according to Paul Gentile, executive vice president of the Credit Union National Association. JPMorgan's decision follows a broader, ongoing review of businesses amid new regulations, heightened scrutiny and capital requirements. In July, the bank said it would exit physical commodities trading, as Wall Street's role in the trading of raw materials comes under political and regulatory pressure. In June, the bank said its private equity unit, One Equity Partners, would become independent, as it increased its focus on client businesses. At the time, a source said the move was also driven by the bank's decision to simplify its operating structure. (Reporting by David Henry in New York. Additional reporting by Elvina Nawaguna in Washington.; Editing by Gerald E. McCormick, Gunna Dickson, Douglas Royalty, Andrew Hay) 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