Wednesday, June 4, 2014

Some simple yet wise words from singer/songwriter Joan Baez

Copyright, Michael Steer.
In Forever Young, singer/songwriter Joan Baez reminds us to be hopeful for our futures; have faith that all will unfold as it should; and that we should strive to succeed, while learning and taking courage from every step. She bestows the desire that we should be righteous and true to ourselves and our convictions. She encourages us to be strong and courageous, with a firm foundation to hold us in good steed when faced with difficulty. In this, a strong mind and the knowledge and the ability to cope and, therefore, move forward positively, will enable us to maintain prolonged youth. Similarly, living in the moment; being mindful of all that surrounds us; choosing to be joyful; keeping busy as opposed to idle; doing unto others as you would wish upon yourself; and staying active for optimal health and wellbeing--all are keys to staying 'forever young'.
Forever Young
Lyrics by Joan Baez
May God bless and keep you always
May your wishes all come true
May you always do for others
And let others do for you
May you build a ladder to the stars
And climb on every rung
May you stay forever young
Forever young, forever young
May you stay forever young.

May you grow up to be righteous
May you grow up to be true
May you always know the truth
And see the lights surrounding you
May you always be courageous
Stand upright and be strong
May you stay forever young
Forever young, forever young
May you stay forever young.

May your hands always be busy
May your feet always be swift
May you have a strong foundation
When the winds of changes shift
May your heart always be joyful
And may your song always be sung
May you stay forever young
Forever young, forever young
May you stay forever young.
Copyright, Tracey Vale




Tuesday, June 3, 2014

Website Design—some things to consider By Tracey Vale


The best websites are easy to navigate; easy on the eye and contain the necessary information on each page, preferably without the need to scroll down the page. Contact information should also be clearly visible.

Consider what you like or don’t like about sites you’ve visited. Personally, I like it to be clean, yet catchy, and definitely uncluttered. Avoid moving gifs, automatic audio or video (give the visitor the choice to listen or view), too many ads and banners, gaudy colours and other rapidly moving things. Slowly scrolling photos on one side or across the top, are fine as long they’re not distracting or annoying. Don't use an entrance page whereby you have to click on something in order to enter the site—the link should always take you straight to the Home page without additional steps.

Black on white is preferable for easy readability and the colours on the header should match and be identifiable with your corporate colours. Your business logo should also be prominently displayed. Information should be short and succinct as readers have a shorter attention span online and like to get the information they need in a few short paragraphs.

Each page should reflect the look and layout of the Home page and needs to include the same navigation bar.

The following links may be helpful:





Tuesday, February 25, 2014

Strategies toward purchasing your first real estate investment

Real estate investment should be undertaken with informed opinion, research, expert advice and guidance and a complete understanding of the area in which you wish to invest. As well, a knowledge of property growth and the ability to add value, are integral. 

“Before purchasing your first real estate investment property, it is important to gain the right knowledge. There are a number of educative courses on real estate investment that will prove valuable,” said Stan Kontos, entrepreneur, business coach and speaker, SOL Results.

“For two or three months, study a particular area. You need to specialise in an area or suburb to gain an understanding of what properties are selling for and what potential there is for growth. Contact the relative council and find out what the council projections are for that area,” he said.

Kontos says that the next important stage is to select a property where value can be added. “The purchase of real estate as an investment should be made on properties where value can be added,” he said. This can be done through a general spruce up through tidying and painting and so on, or through a part or complete renovation. The other means of adding value is to find a property that can be subdivided.

An investment property should not be purchased for its growth potential alone as values can drop. The real estate cycle in Australia takes seven to eight years before a property doubles in value, dependent on where it is located. This can drop but generally remains stable, or plateaus, for around a year before the cycle begins again. Property prices in Melbourne and Sydney are currently on the rise again, with Adelaide set to follow this growth phase. Generally, Adelaide is a year behind the growth phase of Sydney and Melbourne. Adelaide is currently coming off the bottom of the cycle, heading into the growth phase. Predictions are for a good growth year in 2014.


In summary, Kontos stresses the importance of not going into real estate investment ignorant. Find courses, read books on the subject, find a mentor and talk to people who have successfully done it before, he says.

Next, he says, find a broker to sort finances and to tender out for the best deal. Having pre-approval in place for a loan is the same as being able to give the seller a cash offer. This is a valuable tool as the seller is considerably more enticed by a cash offer on a contract as opposed to a ‘subject to finance’ clause.

When applying for the loan, the bank will need to know your income and will check that you can comfortably make the repayments. Ultimately, you should own the home you are currently living in outright. An investment property is then a very minimal risk to the lender, especially as there is a very small gap between the interest rate, at 5% and the rental return, at 4-5%. In such cases, the bank will allow a Loan Value Ratio (L.V.R.) of 95%. For subsequent investment property purchases, the bank will lend an L.V.R. of around 80%, leaving a 20% gap plus any settlement costs.

Most financial advisors will say yes to negative gearing. Therefore, the purchase of an investment property can be considered based on the tax incentive and on its increased value potential through upgrades and improvements.

“Talk to an accountant before purchasing your first investment property. As mentioned earlier, the accountant will espouse this golden rule—pay off your home and borrow the maximum for your first investment property. He or she will also tell you that the property must have growth potential. Any growth then becomes your bonus,” said Kontos.

“My advice is to purchase within 10 kilometres of the city; near the beach; or near the cafĂ© scene. Growth will be seen in these areas first. Avoid more distant areas as growth will be slower. Don’t purchase an investment property on the basis of tax concessions. These help but should not be the basis of your decision—growth in value should be the basis,” he said.


Monday, October 21, 2013

Show strength in calmness

Your strength is in your calmness, in the clarity of your mind. Strength comes from putting the negative aside without reacting. Win in calmness, in consciousness, in balance. Win without fighting.
~ Yogi Amrit Desai 

Copyright, Tracey Vale, 2013

Thursday, October 10, 2013

A quote for mindfulness, peace and acceptance

"I prayed for change, so I changed my mind.
I prayed for guidance and learned to trust myself.
I prayed for happiness and realized I am not my ego.
I prayed for peace and learned to accept others unconditionally.
I prayed for abundance and realized my doubt kept it out.
I prayed for wealth and realized it is my health.
I prayed for a miracle and realized I am the miracle.
I prayed for a soul mate and realized I am the One.
I prayed for love and realized it’s always knocking, but I have to allow it in. "

~ Jackson Kiddard
Copyright, Tracey Vale 2013

Wednesday, September 25, 2013

Good news from around the globe, By Tracey Vale

Stories of bravery amid Nairobi's terrorist siege


Out of the horror of this week’s tragic, terrorist-led attacks in the Kenyan capital of Nairobi, two heroes have been regaled for their bravery and selflessness. One is an ex-marine. The other is a four year old boy. Both are British.

As Islamic extremists reigned terror inside an exclusive shopping complex, firing inadvertently at shoppers, a British ex-marine, seated with friends in a coffee shop within the complex, did not hesitate to help shoppers escape. Amid the onslaught of gunfire, he escorted two women to safety outside, then returned again and again, still under resounding, heavy gunfire, to escort up to 100 people to safety.

The siege caused the deaths of over 60 civilians and six terrorists, believed to be Al Shabaab militants. Over 170 people were injured and around 11 suspects have been taken into custody.

The four year old British boy, Elliot Prior, his sister and mother were first-hand witnesses to the unfolding terror in Nairobi’s Westgate Mall, with their mother falling victim to a gunshot wound to the leg after hiding and shielding her children for an hour and a half before being found by a gunman. While his six year old sister hid behind his injured mother, the boy stood up to one of the gunmen, informing him that he was a “very bad man” and telling him that he should allow them to leave. The gunman paused, impressed by the boy’s bravery, and handed out Mars bars to him and his sister, reportedly stating “Please forgive me. We are not monsters.”



An overview of Nairobi's Westgate Mall siege can be read here: http://www.theguardian.com/world/2013/sep/24/kenya-mall-hostage-westgate-nairobi

Man donates his dream of a cure to a 5-year-old boy 


In another story, 25 year old paralysed man, Dan Black from South Wales, selflessly gave £20 000, money he’d been raising for almost four years to fund stem cell research, to five year old, Brecon Vaughan, for an operation that will make him walk. Brecon has a rare form of cerebral palsy and requires a frame to assist in walking. His family needs to raise £60 000 for an operation to be conducted in the United States.

Mr. Black was knocked off his bicycle in 2009, resulting in paralysis from the chest down and a non-functioning arm due to a stroke from the same incident.

‘I know for me that things aren’t going to get better any time soon,’ he said. ‘I just wanted to do something that could help someone whose life could get better.

‘Brecon can definitely walk if he has the surgery. I wouldn’t wish being paralysed on anyone, so if I can help someone walk, I will.’




Reception dinner for 200 homeless


And in Georgia, Atlanta, Willie and Carol Fowler, the parents of a woman who cancelled her wedding plans 40 days before the wedding, has donated the reception dinner to the homeless. With everything booked and paid for, the Fowlers would have lost the non-refundable deposit portion had they cancelled the dinner. Instead, they donated the lot to 200 homeless people through Hosea Feed the Hungry, a non profit charity organisation.

“We went home that evening and my husband woke up the next morning and I was in the process of cancelling out the venue and he said, 'No, what we'll do is donate it to Hosea Feed the Hungry,'" Carol Fowler told ABCNews.com today.

"It was a vision," Fowler said of her husband's idea. "He said he had prayed on it during the night and God had directed him and that's what we were going to do."


Six-year-old boy raises $400 000 for sick friend


Six year old, Dylan Siegal has raised $400 000 in a bid to help his friend who was diagnosed with a potentially fatal, rare disease and compromised immune system.

Dylan wrote and illustrated a book, titled Chocolate Bar, initially raising $6000 through his school before word spread and he included T-shirts, phone covers and bags to his fund raising efforts. The money will fund research into the glycogen storage disease, which affects the liver and causes a potentially fatal and significant drop in blood sugar levels.

Dr David Weinstein, who studies the disease and is working with 200 families, told ABC News that he was stunned by the donation, which arrived, amazingly, one day before his lab was due to close through lack of funding.

"He's raised more money for this disease than all the medical foundations and all the grants combined. Ever."



Saturday, August 10, 2013

Suicide—the silent epidemic, By Tracey Vale

Copyright, Peter D. Kemp
Suicide is an issue most don’t like or want to talk about but it is an issue that cannot be avoided and must be discussed. Current social conditions; aspects of the technological age; the breakdown of the family unit; pressures; conflict; a decline in the sense of community; stretched mental health resources; and economic concerns are among the factors contributing to suicide risk in our young people.

It is a myth that talking about suicide with our youth will plant the negative seed of an idea in their minds. The opposite is true. Talking about it shows that you care; that you are aware of the issue; that you are on top of concerns they may have already witnessed or discussed with their peers; and that they are valued, needed and worthy.

The following are facts on the prevalence of youth suicide in Australia and the subsequent seriousness of the issue, as well as tips for those giving support to at-risk people. They have been collated from a number of valuable online articles, papers and current studies and are primarily Australian-based.

To read further, follow the links in the Reference List and in the Further Reading/Useful Links list, both at the end of the article. Among these, is the valuable resource of In 2 Life (http://in2life.org.au/ ), an Adelaide-based charity organisation passionate about helping and mentoring at-risk youth, for whom suicide is a massive concern.   In 2 Life   is   also   at   the   helm   of   a Facebook site, Coming Together to Prevent Youth Suicide (https://www.facebook.com/groups/preventingyouthsuicide/ ), which has gained huge membership in a short time and was set up to offer support and guidance to suicidal young people. This has saved the lives of a number of our young people. If you can help in any way through either of these resources, contact In 2 Life.

Facts and Issues

  • “Australian studies have found that between 23.5% and 49% of teenagers have thoughts of suicide at some time.”1

  • “Suicide is the leading cause of death among young people, second only to motor vehicle accidents.”1

  • “In remote rural Australia suicide rates for young males are nearly twice those of males living in capital cities.”1

  • “The suicide rate in indigenous communities may be 40% higher than the rate of non-indigenous suicide.”1

  • Suicide “…is an attempt to solve a problem of intense emotional pain with impaired problem-solving skills.”2

  • “Research has shown that 75 – 80 per cent of all people who died by suicide and almost every person who attempted suicide made attempts to communicate to others in the weeks or months leading up to the attempt/suicide that they were in deep despair.”3 However, due to the suicidal person’s ambivalence to death, this communication is often made in a joking manner or in some way that doesn’t express seriousness and is often, therefore, not taken seriously.3

  • “Even the most severely depressed person has intensely conflicting feelings about dying by suicide, and most waver in indecision until the very last moment.”3

  • “…evidence-based programs have been implemented in Italy and Britain, where school time has been given over to the teaching of social and emotional learning. These programs improve self-efficacy and reduce feelings of hopelessness. Students are taught how to rationalise problems and build resilience. Italy and Britain have youth suicide rates less than half that of Australia.” 5

  • “Mental illness has increased in successive generations of Australian youth. About a quarter of teenagers suffer significant psychological distress at one time and more than 7000 young people a year are admitted to hospital after self-harming.”5

  • Creating awareness of the issue of suicide and talking about it reduces the associated stigma, thereby encouraging at-risk youth to seek help when needed. “Lifeline WA chief executive Fiona Kalaf said it was important to talk responsibly and openly about suicide. "It helps reduce the stigma associated with the topic and also with mental health," she said. "The stigma is a key barrier that hinders people from seeking help."”6

  • “The World Health Organisation tells us that our current crop of year 7 boys and girls will face a greater threat from depression than from any other disease by the time they reach 30.”5

  • “Some stress is brought on because of trends in society: the rise of individualism and consumerism; a decline in a sense of community and of the importance of the family unit. Each of these trends has a direct impact on mental health.”5 While this statement is true, there are other issues due to the technological age that require further investigation too and have a massive impact on today’s youth and on future and present levels of mental health. Among these is the prevalence and increase in bullying coupled with the ability to bully through social media and to a far-reaching audience. Another aspect is the impact of graphic adult content, lack of adequate controls around this and the flow-on effect of these images and videos on vulnerable and under-developed teenage minds. Another flow-on effect is the social impact with the objectification of women and the damage to future relationships.

  • “Clearly, many children thrive despite society's influence. But too many of our youth are unaware, or apathetic as they race headlong into what the WHO predicts will be a depression epidemic by 2030.”5


Tips on giving support

The following is sourced online, as listed below, from the Mental Health Social Support Specialty ‘Supporting the Suicidal and Suicide-Bereaved’. (For further information on MHSS: www.mhss.net.au)

  • “Your job as support person, should you choose to accept it, is to strengthen the part of the person that wants to live, by helping them to understand that suicide applies a permanent solution to what is a temporary problem; other solutions can be found.”3

  • “For all the intensity of negative emotion and sincere desire to die, however, there is simultaneously in most suicides an equally strong wish to find a way out of the dilemma. Thus, suicide contemplation is about intense ambivalence. The skilled social support person can tap into this ambivalence, helping the person to swing to the “want to find a way out of the dilemma” pole.”3

  • “By talking to you, a suicidal person is taking a huge risk, but it is a compliment to you, too. It is a statement that, somehow, you seem to be more caring, more capable of coping with adversity, or more able to protect the person’s confidentiality than others. It is a cry for help, and it is a positive, courageous thing that the person is doing in confiding in you about their suicidal urges.”3

  • A suicidal person doesn’t get morbid ideas by talking about suicide; the person already has them. The opposite is true; by bringing up the question and discussing it openly, you are showing the person that you care about them, that you take them seriously, and that you are willing to let them share their pain with you. By asking whether the person is suicidal, you are giving them the opportunity to release pent-up and painful feelings. Any discussion will help you to determine how far along the way to completion their plans are.”3

  • Remember, it is not how bad the problem is; it is how badly it is hurting the person who has it (Ainsworth, 2011). As human beings, we all have our strengths and growing edges. It is those edges – our “Achilles heels” – that function as the weak links in our chain of problem-solving. What is a nuisance factor to one person might be an overwhelming problem for someone else.”3

  • Remain vigilant and supportive. Improvement does not mean that the risk of suicide is over. “Most suicides occur within days or weeks of “improvement” when the individual has the energy and motivation to actually follow through with his/her suicidal thoughts (Clayton, J., n.d.).”4

Reference List

1. http://www.rch.org.au/cah/research/Youth_Suicide_in_Australia/  The Royal Children’s Hospital Melbourne, Centre for Adolescent Health, Youth Suicide in Australia, Cited online 8/8/2013.

2. Kalafat, J. & Underwood, M. (undated), Making Educators Partners in Suicide Prevention. . Lifelines: A School-Based Youth Suicide Prevention Initiative. Society for the Prevention of Teen Suicide. Retrieved from: http://spts.pldm.com/. Cited in Suicide: Statistics, Characterictics and Myths, AIPC (Australian Institute of Professional Counsellors) Article Library, June 14, 2012. http://www.aipc.net.au/articles/suicide-statistics-characteristics-and-myths/ Cited online 9/8/2013.

3. Suicide: Statistics, Characterictics and Myths, AIPC (Australian Institute of Professional Counsellors) Article Library, June 14, 2012. http://www.aipc.net.au/articles/suicide-statistics-characteristics-and-myths/ Cited online 9/8/2013.

4. Clayton, J. Suicide Prevention: Saving Lives One Community at a Time. American Foundation for Suicide Prevention. http://www.afsp.org/files/Misc_//standardizedpresentation.ppt. (Cited online: See reference 2.)

5. Haesler, Dan, It’s time to confront the deadliest demon of them all, The Sydney Morning Herald, Federal Politics, Nov. 2010. http://www.smh.com.au/federal-politics/society-and-culture/its-time-to-confront-the-deadliest-demon-of-them-all-20101102-17c9c.html#ixzz2bTAFSr5h Cited online 9/8/2013

6. Teenage Suicide Raises Alarm, B. Hiatt, The West Australian, Aug. 2, 2012 http://au.news.yahoo.com/thewest/a/-/breaking/14432248/teenage-suicides-raise-alarm/ Cited online 10/8/2013

Further Reading / Useful Links