Monday, April 2, 2007

Dont CRI

Hey Don't Cri !
"Usually I creep into the poor guys neck first and he calls me the pain in the neck.

How superficial? I think when he speaks to friends like that.

He usually helps me by working more and caring less about the problems I cause, for God has not given him time, he says. (I tend to agree with him, it must be God's will, for how else can God create me without offering me a means of survival.)

The humans have not yet recognized me. But let it be. It is said that they want to find only viruses and bacteria or now a days genes. (Yes of course, hats off to our great new age leaders like HIV and our old and awe-inspiring fighter, in fact our role model when young, the TB) How funny?

Ya ya, It is said that I am the offspring of many years of constant prayer by our race, the Diseases, to beat the man at their own game. This is our time. When we beat them at their technology or through their technology? Their Computers? The blasted things, which are helping them to think and work against us. Now you see why I am a hero. I beat them in their own game.

You know how long I had to lie dormant? There was great hope around 200 years before when they started their so-called industries (We, the elite of the Diseases, call it our restaurants and Resorts). But soon somebody found us out and reported. They made life so difficult to us by working in proper conditions and soon you see we are available in good fertile countries like India only.

Ya, you want to know how I do it? It is my secret. Still for somebody like you I shall open my mind. Computers are my vectors. You know vectors. Like my uncle the Malaria and cousin Dengue, they use mosquitoes as vectors & I use computers. Yes, you see I use them to pass me on and I seep into anybody looking at the computers.

No they can't find me. No microscope can do it. As long as they don't look into themselves I am fine. You see. I am they and they are me. Does it not sound like "Aham Brahmasmi".

See him. That guy over the corner. He is the best fodder for me around. See how keenly he is looking into the computers. How important he thinks his work is or rather he is. How much he wants to be the performer. (Growls) Ya, I will show him in just 365 days. If he is cooperating that is. I can make him sit back at home looking at the sky with enough drugs from a shrink to help him out of his depression because of his lost job. You Bet.

NO NO, not the neck alone. I get in through where I like. Neck, wrists, head, eyes, ears, low back, legs. You name it I can get in through there.

Yaaaa, I also help my old folks who are my relatives like Diabetes, Blood Pressure, Heart problems. But you see many a times we work together. Then it is great fun. We make the guy run around different specialists and really we go touring. In these tours we also meet different preys (read humans) who are suitable for any one of us. You see, on one such travel I really fell in love with a beautiful secretary of a doctor instantly. It is a shame in our community to fall in love with one of our preys. But I could not help it. She had beautiful eyes and long hair and most important she had my dearest friend the computer in front of her. She was but short and had high heels and a most uncomfortable chair. I must really thank the good doctor for being so mean. I immediately started working and worked up from her hip. No, No, not lured by her hip hugging dress of course but by her way of sitting in front of the computer which made it very suitable for me (A suitable woman, she is). Now she regularly takes me to the orthopedician and gynecologist and she is worried about why she is not getting pregnant. Ya, in a way, I also help in bringing down the population of these human creatures.

Probably. Even if I am in love with her I cannot forget the duty to my race.

No my life is not confined to computer professionals alone. Really I was named RSI (Repetitive Strain Injuries) and I can live in many groups of people who work in improper working conditions for long periods or maintain improper positions and postures or out of size instruments or gadgets or furniture. Infact I thrive in all of them. You can find my divine (his words) presence in as I said Office Secretaries to CEOs. From Bank employees to Accountants in local grocery stores. I am everywhere. But people working on Computers are my all time favorites. And then some humans started calling me CRI. (Computer Related Injuries). I liked it. It was cool. I felt it sounded like what I was doing to my preys. Making them CRY. You noticed the similarity. CRI. CRY. CRY CRI. Fry. Fried CRIs. Crying CRIs. Fried Crying CRIs. (The fellow got hysterical at this stage and continued for long with his gibberish and the author had to offer him a piece of his own neck to nibble before he calmed down. The mentioning of his strange ornaments also brought him back to a state of normalcy)

These? Do you like them? Ya, I shall tell you in brief about my signs and symptoms which are my ornaments. Carpel Tunnel Syndrome? You have heard about it in connection with me? But in fact CTS is only a small and dangerous percentage of typing injuries which I cause. Tendinitis, Bursitis, Tenosynovitis, DeQuervain's Syndrome , Thoracic Outlet Syndrome, Trigger Finger/Thumb , Myofascial Pain Syndrome, Cubital Tunnel Syndrome and several others are also there in my treasure box. All of these are serious and in advanced cases can cause great pain and permanent disability……………………………………"

(The above was a piece of dialogue by Mr CRI (alias RSI) who the author has met on several occasions when he paid a visit at the authors clinic with several of his clients)

Life , Health , Happiness, Comfort and all the works of God ………so beautiful. It is a mystery how the Computer Professionals of our times, the news kings and queens of the world forget that a there is a life beyond the depth of the internet or the life in the computer.

Aged no more than 2 decades the health problems generated by the computer industry is comparable to the same created by the industrial revolution in the late 18th century in its social magnitude, severity, diversity and financial implications to the members of this grand profession. In spite of the huge profits generated by the industry, the lords of the same turning a blind eye towards the indicators of this problem, fast attaining epidemic proportions, has not helped much in properly understanding or preventing CRI.

Data collected from the more than 2000 computer professionals afflicted with CRI, who had sought help from Sanjeevani in Bangalore and Trivandrum, on analysis proves that maximum number of people have developed some or other kind of diseases related to the vertebral column (often presented to the doctor as neck pain or stiffness, vertigo or dizziness, low back pain and pain or numbness radiating into the legs) followed by head ache, sinusitis, too frequently recurring cold and running nose and digestive problems including excessive gas formation - flatulence- and pain in the eye or problems of vision as the third. More than 75% of them have complained of very high mental stress, sleeplessness and excessive fatigue. In comparison with the normal population, computer professionals are highly prone to High blood pressure and diabetes, as a group, especially comprising of maximum number of youth. Fertility and marital bliss are also evading this supposed to be rich population at an alarming rate.

Studies suggest that 20 percent to 25 percent of computer users worldwide, both vocational and recreational, have symptoms related to their computer activities. The first CRI "epidemic" was noticed in Australia 15 years ago and then emerged in many other industrialized countries.

There is a great need for spreading the awareness about CRI because it is devastating not only for the injured party but it also affects the company he works for. It accounted for 66% of work related illnesses in the US, in 1999. The estimated costs in lost productivity and compensation due to it are in the region of $60-100 billion annually. No one is immune to CRI, and it can seriously disrupt work and domestic life. About 20-25 % of all computer users worldwide are estimated to have it, which is why it is essential to raise public awareness as quickly as possible before a new generation of computer users is exposed to the risks.

Due to lack of awareness about CRI, Computer users tend to ignore its initial symptoms. A survey of 500 software professionals at Hyderabad (in 2000) established that 50% had symptoms of established CRI. Preliminary results of an ongoing survey among over 400 IT professionals in projects it as high as 75%.

The pattern and nature of CRI in India is significantly different from that in the west. There may be significant anthropological differences in body shape and dimensions work practices and furniture design that only a comprehensive study can unearth. As these problems are unique to our country, so should the solutions.

In India, thanks to the lack of adequate laws and procedures, employers don't have any obligation to compensate for the problems accrued by the employees in long run. Government laws and regulations on employee welfare and safety do not show any concern for the provision of ergonomically designed office products, tools and work environment.

As more and more work, education and recreation involves computers, everyone needs to be aware of the hazard of Repetitive Strain Injuries (Cumulative Trauma Disorder). i.e. to the hands and arms resulting from the use of computer keyboards and mice. This can be a serious and very painful condition that is far easier to prevent than to cure once contracted, and can occur even in young physically fit individuals. It is not uncommon for people to have to leave computer-dependent careers as a result, or even to be permanently disabled and unable to perform tasks such as driving or dressing themselves.
What are the Symptoms?
ü Tightness, discomfort, stiffness, soreness or burning in the hands, wrists, fingers, forearms, or elbows

ü Tingling, coldness, or numbness in the hands

ü Clumsiness or loss of strength and coordination in the hands

ü Pain that wakes you up at night

ü Feeling a need to massage your hands, wrists, and arms

ü Pain in the upper back, shoulders, or neck associated with using the computer.

WHO IS AT RISK?

Any computer keyboard user, including pre-school children, who uses the computer 2 or more hours a day, is at high risk for CRI. They are in the 20-40 year age group, which is the most productive one. It is estimated that a large proportion of the software professionals, students and other computer users (e.g. secretaries, clerks, cashiers, etc) in India would soon develop CRI, if the current situation prevails.

As with other things in life, too much of anything is dangerous. But that doesn't mean that one should avoid using computers or alter the duration of computing sessions. A judicious mix of working habits, proper ergonomic infrastructure support and medical support & care can prevent the development of most of the symptoms.

As you know, prevention is better than cure. Some prevention tips have been given which is sure to make you feel computing a safe & healthy experience.

MUSCULOSKELETAL PROBLEMS:

Common causes of musculoskeletal problems include poor workstation design, bad posture and sitting down for extended periods of time. The vertebrae of the spine are arranged in a loose 'S', with a slight curve in the lower back. The typical office chair offers little support and actually encourages poor posture by forcing you to round out your lower back and hunch your shoulders. Symptoms of musculoskeletal problems include:

§ Sore muscles, particularly the shoulders and upper back
§ Stiffness
§ Headache
§ Backache.

Prevention tips:

Suggestions to reduce the risk of musculoskeletal problems include:

§ Correct posture at the desk: A monitor position lower and farther away may be better. The chair and keyboard are to be set so that the thighs and forearms are level (or sloping slightly down away from the body), and that the wrists are straight and level - not bent far down or way back.

§ Position your keyboard at a height that allows your elbows to rest comfortably at your side, roughly parallel with the floor and level with your keyboard. While you are actually typing your wrists should not rest on anything, and should not be bent up, down, or to the side. Your arms should move your hands around instead of resting your wrists and stretching to hit keys with the fingers. (palm rests give you a place to rest your hands only when pausing from typing, not while you are typing.) When you stop typing for a while, rest your hands in your lap and/or on their sides instead of leaving them on the keyboard.

§ Wrists also should not be bent to the side, . . .

. . . but instead your fingers should be in a straight line with your forearm as viewed from above.

(All of the above is easier to do if you tilt the back edge of your keyboard down, away from you. Put a prop an inch or two thick under the edge of the keyboard closest to you, but make sure the whole thing is still low enough so you aren't reaching up.)

§ Take frequent short breaks and go for a walk or perform stretching exercises at your desk. Stand often. Take lots of breaks to stretch and relax. This means both momentary breaks every few minutes and longer breaks every hour or so.

§ Adjust your chair so that your feet rest flat on the floor & Switch to an ergonomic chair, which helps your spine to naturally hold its 'S' curve while sitting.

§ Use a footstool (if your feet do not rest on the floor when the chair is adjusted to have the arms in a good posture).

Ayurvedic prevention tips:

Massaging daily with oils such as Dhanwantaram OR Shashtikadi lepa tailam in a specific manner so as to loosen and strengthen the constantly injured muscles can be one of the best prevention for many who is prone to CRI. As CRI is a repetitive strain Injury, repetitive and regular support through medicines is found to be very effective in the prevention and management of this problem. The self-massaging skills can be developed with proper guidance from a doctor. Also getting massaged through the Sulochana techniques is equally effective in warding of CRI.

Ayurvedic cure:

Includes specialized external manipulation of muscles and bones and judicious internal medication. Medicines such as Narayana Tailam, and treatment procedures like Sulochana, Rookshaswedam, Pizhichil etc administered under proper supervision of expert doctors and internal medicines like kashayam and grithams administered timely proves very fruitful in helping people to come out of the problems of CRI.
OVERUSE INJURIES:

Muscles and tendons can become irritated and inflamed by repetitive movements and awkward postures. This is known as 'overuse injury'. Carpal tunnel syndrome is a common example of an overuse injury associated with computer work. This painful disorder of the hand is caused by pressure on the main nerve that runs through the wrist. The fingers are also prone to overuse injury, particularly the finger that clicks the mouse buttons. Symptoms of an overuse injury include:

§ Pain
§ Swelling
§ Restricted mobility of the joint
§ Weakness
§ Numbness.
Prevention tips:

Suggestions to reduce the risk of overuse injuries include:

§ Keep your mouse at the same height as your correctly positioned keyboard.

§ Position the mouse as close as possible to the side of the keyboard.

§ Use your whole arm, not just your wrist, when using the mouse.

§ Hold the mouse lightly, don't grip it hard or squeeze it. Place the pointing device where you don't have to reach up or over very far to use it; close to the keyboard is best. Better yet: learn and use keyboard equivalent commands, whenever possible, as no pointing device is risk-free. Even trackballs have injured users.

§ Type lightly & gently & don't pound on the keys, use a light touch.
§ Keep your arms & hands warm. Cold muscles & tendons are at much greater risk for overuse injuries, and many offices are over-air-conditioned.

§ Eliminate unnecessary computer usage. No amount of ergonomic changes, fancy keyboards, or exercises is going to help if you are simply typing more than your body can handle. Don't try to be the fastest, most powerful hacker around - the cost is too high. Also: is there recreational computer use you can reduce? Can some of your electronic mail messages be replaced by telephone calls or conversations in person? And lose the computer/video games . . ., which often involve long, unbroken sessions of very tense keyboard or controller use. If nothing else, PAUSE the game every 3 - 4 minutes. Don't sacrifice your hands to a game!

§ Mix your tasks to avoid long, uninterrupted stretches of typing. Use two hands to perform double key operations like ctrl-c or Alt-c instead of twisting one hand to do it.

§ Remove the hands from the keyboard when not actively typing, to allow the arms to relax.

Ayurvedic care & cure:

Ayurveda offers treatments including external relaxation and muscle & joint soothening manipulations and marma (vital points) revitalizing treatments like Sulochana, Elakkizhi, and Abhyangam etc and these medications when administered by trained hands are the best available preventive methods available for the Overuse injuries.

These include specialized external applications of oils and herbal pastes and along with internal medication, shall bring down the inflammation and pain. Medicines such as Jadamayadi lepa choornam, Nagaradi lepa choornam and treatment procedures like Elakkizhi, Njavara Kizhi etc and internal medicines like kashayam and Arishtams are very effective, in fact more preferable to any anti-inflammatory analgesics of our time, which themselves proclaim to gift lots of complications on long term use.

VISION SYNDROME:

Concentrated tasks can cause tired eyes and blurred vision. Using a computer does not cause any permanent damage to your eyes. However, working on a computer is a demanding visual task that can cause eye discomfort. If you have an uncorrected vision it can make computer use uncomfortable and can lead to blurred vision and eyestrain. Focusing your eyes at the same distance & point for extended periods of time causes fatigue. Ayurveda specifically mentions about continuous eye fatigue leading to damage to the eyesight. The human eye structurally prefers to look at objects further than six meters away, so any work-performed close-up places extra demands on the tiny muscles. The illuminated computer screen can also contribute to eye fatigue.

Symptoms include:
§ Blurred vision
§ Temporary inability to focus on faraway objects
§ Headache.

In case of vision problems, though the monitors are themselves not a culprit, the way they are utilized creates the problems. The problems like long working hours without break, glare and improper lighting can be easily eliminated by good working habits such as resting periodically and refocusing eyes on objects at different distances, overhead lighting and appropriate placement of monitor. Placing monitor at right angle from brightly lit windows can reduce screen glare.

Moreover there are exercises to keep the eyes healthy. Changing the eyes focus can relax the ciliary muscles of the eyes. Blinking can moisten the eyes and stimulates tear production that can wash away the pollutants.

Ayurvedic Care and cure:

According to Ayurveda, for prevention the best medication would be to consume Tribhala choornam, specially prepared, daily with milk or with plain water. Washing eyes twice daily with special eye care herbal medicines and doing eye exercises is a very effective way to prevent potential eye disorders and fatigue. These medications not only keep the eye non-strained and cool but can also prevent even retinal damages owing to constant strain. For cure of eye disorders Ayurveda offers very particular internal medicines and also treatments like Tarpanam, Nasyam etc along with internal medicines like Jeevaneeya Gana Gritam. Special procedures like "Sudarsana" gives one of the best available preventive and curative care for the eye, be it simple eye strain or retinal disorders.

Prevention tips:

Suggestions to reduce the risk of eyestrain include:

Ø Make sure your primary light source (such as a window) isn't shining into your face or directly onto the monitor.

Ø Tilt the monitor slightly to eliminate reflections or glare.

Ø Make sure your computer screen isn't too close to your face.

Ø Position the screen so that it is either at eye level, or slightly lower.

Ø Reduce the contrast and brightness of your screen by adjusting the controls on the monitor & also consider using colour schemes that are easier on the eyes, particularly shades of gray for text documents.

Ø Increase your font sizes.

Ø Frequently look away from the screen and focus on faraway objects.

Ø Have regular eye examinations to check that blurring, headaches and other associated problems aren't caused by any underlying disorders.

STRESS:

The heavy demand of work thrust upon the employees creates a level of stress that makes injury more likely. Whenever a user feels anxiety, the muscle automatically tightens up and it increases the likelihood of getting a computer related injury. Here it is worthwhile to mention the problems and excess stress faced by the call center employees. The excess stress of changing their circadian rhythm once in 30 or 40 days is the most major stress factor faced by them. Loss of sleep or disturbed sleep is a very common symptom among them as is mouth ulcers and digestive problems and headaches.

Ayurvedic Prevention and Care:

Yoga and special kinds of medicines along with mediation shall be the best combination to tackle this, other than the realization and attitude change of people towards causes of stresses. More than these techniques, treatments with internal medicines like Manasa mitra vatakom, Saraswata Gritam, Saraswatarishtam etc and treatment procedures like Takra dhara , Ksheera dhara and Taila dhara including relaxation massages are very good for overcoming mental stress. Food stuffs like drum sticks included in the menu would be good for call center employees which shall help them to stay awake at night without much strain. Also food like Milk and snake gourd and drum stick leaves at night, Ash gourd juice daily morning (before sleep- specific only for call center employees), Butter milk with a lot with curry leaves ground and mixed with it at noon, tender coconut water etc can be very effective in managing mental and physical stress. Also it is better to avoid curd & fish at night.
OTHER SUGGESTIONS:

v Evaluate other activities. Problems may be caused or aggravated by other things you do frequently. Sports, carrying children, hobbies requiring intense small work (like knitting), and excess effort/tension in other daily things may have enormous impact too. So avoid these activities, which may trigger the problems to more severe intensity.
v Don't tuck the telephone between your shoulder and ear

v Consider voice recognition.

General suggestions:

Other ways to reduce the risk of computer related injuries include:

v Make sure your work space is well ventilated

v Maintain equipment, such as laser printers and photocopiers, to reduce emissions.

CHILDREN AND COMPUTERS:

Kids are at risk too with increasing hours in front of the computer at home and school, using equipment that rarely is set up correctly for people their size. Parents can reduce the risk of children developing computer related injuries in additional ways, including:

ü Set up the computer, desk, chair and keyboard to suit your child

ü Install a smaller mouse that contours to the child's hand

ü Show your child how to use the keyboard and mouse properly and safely

ü Encourage frequent breaks

ü Reasonably limit your child's game-playing time

ü Make sure your child has enough time for other activities, such as sport.

Ayurvedic prevention and care:

Children should be helped with dietary supplements (like Flowers of Sesbania grandiflora, drum stick leaves, carrots and Grapes) and massages so that the formative muscles and bones do not get bad as it is the stage where maximum damage can occur and also preventive and curative efforts can be the most effective.

What If I Have Symptoms of RSI?

We all have occasional aches and pains that go away in a day or two, especially when we overdo anything. But if you have the symptoms listed above regularly when you are using the computer, run; do not walk to your doctor or health care provider RIGHT AWAY. Dealing with this early is critical to limiting the damage, and to spare you a world of hurt, trouble, and frustration. You are not overreacting: by the time you have symptoms there has already been some damage done, and if you try to ignore the pain you may sustain a serious injury. If your doctor doesn't seem to know much about RSI, find one who does. When you find one, listen to them and check with them about any changes you intend to make or therapy you want to try.

Remember that "RSI" is a mechanism of injury, not a diagnosis. Where or how seriously you are injured, and how best to treat it, varies immensely from person to person. Also, many systemic disorders such as diabetes can mimic or exacerbate RSI, and these can be ruled out by medical tests, so don't go chasing a treatment you may have heard about UNTIL YOU'VE SEEN A DOCTOR.

Last but not the least, PAY ATTENTION TO YOUR BODY. Pain is your body yelling that it is in big trouble but learning what is comfortable or awkward for your body before you are in pain may prevent injury.

Look to nature - it adopts. So can you.

About the Author

****************************************************************************************** An article by Dr. G. Geetha Krishnan MD, Chief Physician, Sanjeevani Holistic Health Care Services (P) Ltd, Singasandra Post, Hosur Main Road, Bangalore 68 Karnataka India Ayurvedic Department, Mahabodhi Mallige Hospital, Siddhapura Bangalore Sanjeevani Center, J P Nagar 1st Phase, Bangalore. Shradha Sanjeevani Ayurvedic Center, Koramangala I Block. Shradha Sanjeevani Ayurvedic Center, Koramangala VIII Block. Shradha Sanjeevani Ayurvedic Center, Tavarakare Tel: 91 080 5731505, 5731506, 51119911, 56907096, 6632441 e-mail: drgk2000@yahoo.com Compiled and edited by Jayachandran.R. freelance content writer who also owns http://www.aayurmart.comFor more details mailto:ayurmart@gmail.com **********************************************************************************************


Source: ArticleTrader.com

Why you should avoid 99% of the mass-market anti-ageing creams

Flick through any women’s or men’s magazine and you will see dozens of full page, glossy advertisements for the latest ‘wonder youth cream’. The marketing text will boast that the cream contains some new, miracle ingredient that has a dubious pseudo-scientific name whose rejuvenating properties can be yours – for a price. Forgive my scepticism but I think these anti-ageing claims owe more to the marketing agencies imagination than sound, scientific evidence. In most cases you are being asked to part with your money, and it can be a substantial amount of money, on nothing more than trust and hope.

There are literally hundreds of supposedly ‘anti-ageing’ creams and lotions to choose from all claiming to be ‘the one’ you need, so how can you be sure that those special ingredients do what they actually say they do and the cream is worth the money? You can’t, unless you spend weeks, even years and an awful lot of your hard earned money testing every single one for yourself or doing extensive research into the adverts claims and product ingredients.

One way to avoid all that time and expense is to opt for a product that contains ingredients that have been used for dozens, hundreds, even thousands of years to help keep the skin of men and women soft and youthful. Why? Because generation after generation has born witness to and recorded down their beneficial affects. They have done all the hard work for you. The results are proven. After all, if these substances didn’t work, men and women down the ages would not have kept on using them.

So what should you be looking for in an anti-ageing cream that has at least a chance of working for you?

For a start you are going to have to avoid 99.9% of all the creams you can buy at your local drugstore or chemist i.e. the mass market products. Why? Because more often than not the major ingredients in these products are cheap and plentiful water and mineral oil. But you won’t find them listed as such on the back of the pot but instead called, for reasons known only to the cosmetic industry, under the pseudo Latin names of Aqua and Liquidium Pariffinium.

There’s no doubt these creams do have a moisturising effect as they use the mineral oil to hold the water against your skin which stops it drying out but that’s all they do, sit on top of your skin or at the very most, get partially absorbed into the epidermis, the thin, upper most layer of your skin.

That’s because the molecules in mineral oil are far too large to actually penetrate the epidermis and penetrate deeply into the lower, supporting layer (Dermis) where it can actually do some good. Any rejuvenating effects you may have noticed using these kinds of cream is, I suspect, probably due to the effects of massaging the skin which promotes improved circulation to your skin, rather than the cream itself.

So, having dismissed most of the mass market products, what you are looking for is a natural substance that not only has been proven over the years to help keep the skin looking younger for longer, but one that has been proven to actually penetrate the skin deeply and helps to rejuvenate it from within.

Luckily there are four natural oils that do just that, so if you find any cream or lotion containing these anti-ageing substances, you are onto a winner. These oils are not like the heavy, greasy vegetable or mineral oils you find in most modern cosmetics, in fact, their texture is so fine and light they act more like water than oil and are the essential ingredient in a branch of so-called ‘complimentary’ or ‘alternative’ medicine called Aromatherapy.

Although the word Aromatherapy was only coined fairly recently, it has it’s origins in the most ancient of healing practices, for the plants from which we derive what are termed ‘essential oils’ has been used in one form or another as long as man has existed on the planet.

Before we take a closer look at Aromatherapy, let me first take you on a brief history of herbal, or plant based medicine, if only to demonstrate that the benefits you will enjoy from using these oils is not some pet theory I dreamed up, but based on evidence gathered from all four corners of the world since the dawn of early civilisation.

No-one is quite sure how humans first discovered that what was growing all around them could also help them cure their illnesses or ward off disease, but it's likely early hominids made the discovery by accident, after observing that some of the roots and berries they gathered for food also made them feel better or helped heal wounds more quickly.

They may also have taken note of the plants sick animals chose to eat and be curious as to why the creature suddenly appeared to regain its health not long afterwards and tried it on themselves. Perhaps, by design or accident, certain leaves, stems and flowers were burnt in the fire or fell into the cooking pot and were breathed in or ingested in ignorance but their effects brought enlightenment

Such herbal wisdom would have been of great importance to primitive tribes who depended on their immediate environment for survival. Once discovered, it is likely that such knowledge was handed down first orally and then, as language became more sophisticated, by the written word.

Every great civilisation we have known, be it the Egyptians, Greeks, Romans, Chinese or South Americans, developed to one degree or another, a sophisticated herbal law from which healers of the time made pills, powders, teas, ointments and pastes from a wide variety of local trees, plants, animal and mineral substances.

Papyrus documents dating from around 2,890 BC show that the ancient Egyptians were using aromatic plants for medicine, beauty and to embalm their dead 3000 years before the birth of Christ. They utilised a wide variety of now familiar products such as castor oil, coriander, cumin, garlic, grapes and water melon for the treatment of all manner of common ailments.

The Egyptians invented a rudimentary distillation machine that allowed for the crude extraction of Cedarwood oil. It is also thought by some that Persia and India may have also invented crude distillation machines to extract oils from plants, but very little is known.

Oils of Cedarwood, clove, cinnamon, nutmeg and myrrh were used by the Egyptians to embalm the dead. When a tomb was opened in the early 20th century, traces of the herbs were discovered with intact portions of the body. The scent, although faint, was still apparent. Although the Cedarwood the Egyptians used was distilled by a crude distillation process, the other oils the Egyptians used were most likely infused oils.

The Egyptians also used infused oils and herbal preparations for spiritual, medicinal, fragrant and cosmetic use. It is thought that the Egyptians coined the term perfume, from the Latin per fumum which translates as ‘through the smoke’. Egyptian men of the time used fragrance as readily as the women. An interesting method that the men used to fragrance themselves was to place a solid cone of perfume on their heads. It would gradually melt and would cover them in fragrance.

Further to the east, the sophisticated Babylonians were well versed in plant medicine, planting gardens of therapeutic cucumber, coriander, juniper, myrrh, pumpkins, garlic, onions, fennel, saffron, thyme, mustard and many others.

Perhaps one of the most famous and influential of ancient civilisations was the Greek Empire. More than any other, this ancient world power has done more to shape the modern world than any other. Many of the concepts of civilised behaviour and government, such as democracy, were devised in ancient Greece. Modern medicine too owes much to this antiquarian society. The most famous and revered of all Greek physicians was Hippocrates, born about 460 BC.

In his writings he catalogues a vast number of medicinal plants still used for their therapeutic benefits, such as rhubarb, quince and Myrrh. We all know the Christian story of the three wise men from the east that carried gold, Frankincense and Myrrh to the infant baby Jesus. Myrrh was considered a very valuable medicinal plant long before the birth of Christ and was well known to Hippocrates.

In his time, Greek soldiers carried Myrrh into battle for the treatment of wounds. Just as modern herbalists do today, Hippocrates entreated people to use these medicinal plants as a preventative medicine when he said "Let your medicine be your food and your food be your medicine."

Thousands of years after his death, he is still known today by medical students all over the world as the 'father of all medicine'. Such is this man's importance in the history and development of modern medical practice that those same students studying to be doctors in many different countries are still required to swear allegiance to the Hippocratic Oath, binding him or her to the code of medical ethics contained in it.

In the 2nd Century A.D. another, now famous, Greek physicians by the name of Galen divided plants into various medicinal categories, a practice we still refer to as 'Galenic'.

The Greeks learned a great deal from the Egyptians, but Greek mythology apparently credits the gift and knowledge of perfumes to the gods. The Greeks also recognized the medicinal and aromatic benefits of plants. Hippocrates practiced fumigations for both aromatic and medicinal benefit. A Greek perfumer by the name of Megallus created a perfume called Megaleion. Megaleion included myrrh in a fatty-oil base and served several purposes: (1) for its aroma, (2) for its anti-inflammatory properties towards the skin and (3) to heal wounds.

In India, ancient religious texts dating back 2000 years B.C. contain formulae and instructions for the use of plants such as cloves, ginger, pepper, sandalwood, sesame and aloes, plants that today still form the basis of India's traditional Ayurveda medical philosophy. Ayurveda medicine uses benzoin, caraway, cardamon, clove, ginger, pepper, sandalwood, cannabis, castor oil, sesame oil, aloe and sugar cane, the first seven of which are used in aromatherapy.
Walk down any busy street in a modern city and you are sure to come across a shop that sells traditional Chinese herbal remedies. China's herbal tradition is one of the worlds oldest with the earliest written guide thought to have been committed to paper some 4000 years ago. It was called the 'Yellow Emperor's Classic of Internal Medicine' or 'Huang Ti Nei Ching' and contains over 8000 different plant based formulae including liquorice, peach, gentian and walnut, complimented by the other great health-giving arts of Tai Chi, Qi Gong and Acupuncture.

The Chinese may have been one of the first cultures to use aromatic plants for well-being through the use of incense burning to help create harmony and balance.

The Roman Empire built upon the knowledge of the Egyptians and Greeks. Discorides wrote a book called ‘De Materia Medica’ that described the properties of approximately 500 plants. It is also reported that Discorides studied distillation. Distillation during this period, however, focused on extracting aromatic floral waters and not essential oils.

A major event for the distillation of essential oils came with the invention of a coiled cooling pipe by an 11th century Persian called Avicenna. He invented a coiled pipe which allowed the plant vapour and steam to cool down more effectively than previous distillers that used a straight cooling pipe. Avicenna's contributions lead to more focus on essential oils and their benefits.

We know from surviving manuscripts that in Medieval Europe Lavender, Rosemary and Thyme, all now known to possess effective anti-bacterial and antiseptic qualities, were held to the mouth in the form of a posy that was breathed through in order to ward off diseases such as the Black Death in the 14th century.

It is believed that some perfumers may have avoided the plague by their constant contact with these natural aromatics.

By the 15th century, the amount of books written on the subject of natural medicine was growing as more and more plants were being distilled to create essential oils, such as frankincense, juniper, rose, sage and rosemary. Paracelsus, an alchemist, medical doctor and radical thinker of the time is credited with coining the term ‘Essence’. His studies radically challenged the nature of alchemy and he focused upon using plants as medicines.

During the 16th century, one could begin purchasing oils from an "apothecary," and many more essential oils were introduced, so much so that by the 16th and 17th centuries, perfume started to be considered an art form, and it was more clearly defined as its own field.

One of the most famous herbalists of the 16th century was Nicolas Culpeper, who produced one of the most thoroughly researched and wide ranging guides to herbal medicine of the time. 'The Complete Herbal' contains information on hundreds of different plants and how they could benefit the user. This authoritative reference book is still used today as a trusted source of knowledge.

During the 18th and 19th centuries, chemists continued to conduct research into the beneficial properties of plants, identifying the now familiar substances of caffeine, quinine, morphine and aspirin, the latter being one of the most widely used and popular modern pain killers. It was during this century that perfumery became a very prosperous industry. Women would have their jeweller create a special bottle to hold their treasured perfume. The 19th century was also important scientifically as major constituents of essential oils became isolated.

By the 20th century, the now well established knowledge of how to separate the active constituents of essential oils was used to create synthetic chemicals and drugs. It was believed then, as it is now, that by separating the major active constituents of plants and then using the extracted constituents alone or in synthetic form would be more beneficial therapeutically and economically. These discoveries and beliefs helped lead to "modern medicine" and synthetic fragrances, however, nearly all practitioners of ‘complimentary medicine’ will tell you that this actually weakens the beneficial effect as most natural remedies are ‘synergistic’. This means that different active ingredients of the plant must work together for the greatest benefit, as nature intended.

It was also at this time that a French chemist by the name of René-Maurice Gattefossé became interested in the use of essential oils for their medicinal use. Previously, he focused on the aromatic use of essential oils, but his interest in their medicinal use grew after an accident heightened his curiosity. While working, he burned his arm rather badly. By reflex, he plunged his burned arm into the closest liquid which happened to be a large container of lavender essential oil. The burn he suffered healed quickly and left no scar.

Gattefossé is credited with coining the now familiar term aromatherapy in 1928 in an article he wrote supporting the use of using essential oils in their whole without breaking them down into their primary constituents. Later, in 1937, Gattefossé wrote a book called Aromathérapie: Les Huiles essentielles hormones végétales that was later translated into English and named Gattefossé's Aromatherapy. It is still in print and widely read.

Other highly respected 20th century aromatherapists include Jean Valnet, Madam Marguerite Maury, and Robert B. Tisserand. Jean Valnet is most remembered for his work using essential oils to treat injured soldiers during the war and for his book, The Practice of Aromatherapy, originally entitled Aromathérapie in French. Austrian Madam Marguerite Maury is remembered as a biochemist that avidly studied, practiced and taught the use of aromatherapy for primarily cosmetic benefit.

Robert B. Tisserand is an English aromatherapist who is responsible for being one of the first individuals to bring knowledge and education of aromatherapy to English speaking nations. He has written books and articles including the highly respected 1977 publication The Art of Aromatherapy - the first aromatherapy book published in English.

From the late 20th century and on into the 21st century, as the limitations and unwanted side effects of mainstream medicine have become more and more evident, the general public have shown a growing interest in more natural medicinal products, including essential oils, for therapeutic, cosmetic and aromatic benefit. The use of essential oils never ceased, but the scientific revolution minimized the popularity and use of essential oils in one's everyday life. Today's heightened awareness regarding the use of synthetics coupled with the increased availability of aromatherapy information within books and the Internet has refuelled the use of essential oils for therapeutic, cosmetic, fragrant and spiritual use.

So what exactly is aromatherapy?

In brief, aromatherapy is the use of volatile plant oils, including essential oils, for psychological and physical well-being. The essential oils used in aromatherapy are what give the plants from which they are extracted their characteristic odour or flavour. Essential oils are found in various parts of the plants such as the seeds, flowers, bark or leaves and it can take many pounds of plant material to make up just one tiny bottle of concentrated oil. The natural chemical composition of each essential oil differs according to the plant from which it is extracted and therefore the therapeutic benefits of each oil can also differ.

One thing all essential oils have in common is their ability to be readily absorbed by the skin. That’s because their unique molecular structure allows them to pass through the cells that make up the outer, semi permeable layers of the skin and into the body where they can have beneficial effects.

Here’s an interesting experiment you might like to try to prove this to yourself. Garlic has been used medicinally for nearly 5000 years and for good reason. Its unique anti-viral and anti-bacterial chemical makeup means it is one of the most versatile of herbal remedies that is said to help treat many common ailments including blood pressure, coughs and cold, acne, asthma and many others.

Garlic oil also contains essential oils. Break open a capsule of the oil and massage it into your skin, somewhere on your body. Within a few hours you should be able to smell the garlic on your breath without ever having eaten it! That’s because the oils have been absorbed through your skin and have made their way around your body to the respiratory system. Be careful though, garlic oil has been known to irritate the skin in sensitive people.

Another thing all essential oils have in common is that they are to a lesser to greater extent, all of them contain naturally anti-bacterial and antiseptic chemicals, so using a cream or lotion containing any essential oil will go some way to help keep spots and pimples at bay. The most powerfully antiseptic of all the essential oils is Ti Tree. Click here to learn more about Ti Tree oil.

So now let’s take a closer look at the four oils I believe have been shown to be particularly beneficial to skin health and beauty. I’ve been using them for years and my friends have always said I do not look my age, so here’s my secret anti-ageing recipe.

The first of these anti-ageing oils is Frankincense. Pale yellow or green in colour, Frankincense comes from a small tree called Boswellia Carterii - a native to North Africa and some of the countries of the Middle East. When the bark of the tree is damaged or cut, the tree exudes a resin from which this essential oil is extracted. As mentioned earlier, Christians believe that 3 “wise men from the east” came to worship the newly born Jesus and brought the gifts of Gold, Frankincense and Myrrh.

In those times, Frankincense was so precious; it was valued almost as much as gold and so was indeed a very great gift. Many ancient cultures burned it as part of their religious rituals; perhaps because it’s woody, spicy and lemony aroma is known to have a calming effect and so may aids religious or spiritual contemplation and meditation.

The ancient Egyptians used it both in religious practice and to embalm their dead because the oil has always been known to have a remarkable preserving effect on the skin. You only need look at how well preserved the bodies of some of the ancient King of Egypt are after thousands of years to realise Just take at how why it is still well known as a wonderful preserver for the skin and used in one of the more popular contemporary natural anti-ageing creams!

In modern skincare Frankincense is known to be an excellent and effective rejuvenating tonic for skin of all ages, it’s remarkable properties helping to tone up slack facial skin, prevent the formation of wrinkles and reduce those any creases already there. Its excellent moisturising properties also mean it is very effective in restoring dry or chapped skin. Those in their teens, twenties or thirties who do not yet show any sign of their age may still find it a great preventative treatment to preserving their youthful glow whilst the more mature may find it to be a wonderful tonic for a tired visage.

Frankincense contains monoterpene compounds which give the oil natural antiseptic and anti-inflammatory properties. No wonder then that in ancient times, long before the advent of modern, synthetic antiseptics, it was used to fumigate the sick. Today users will find those same germ-killing and healing properties useful for the treatments of skin ulcers, scar tissue, wounds and inflammation.

The next essential oil no skin should be without is called Neroli. Neroli is extracted from the flowers of the Bitter Orange or Seville Orange, is deep brown in colour and has a bitter sweet aroma thought to be one of the most beautiful of all the essential oils. No surprise then that it is widely used for commercial perfumes. The name is thought to be named after an Italian princess called Anne-Marie de la Tremoille, Countess of Nerola who used this oil both as a perfume and to scent her bathwater. It takes about 1000lbs of orange blossoms to make just 1lb of Neroli oil

Neroli oil contains the chemicals Pinene, limonene, Linalyl acetate, Linalol, Nerolidol, Nerol, Geraniol and Citral making it particularly soothing and helpful for ageing, dry or sensitive skin. It has the special property of being able to stimulate the grown of new healthy skin cells and therefore, like Frankincense, has certain rejuvenating abilities and so can help in the treatment of scar tissue and stretch marks. Its gentle nature makes it suitable for all skin types and, like most other essential oils, it also has an antiseptic, anti-infectious effect on the skin.

The next essential skin oil vital for skin health and vitality is Lavender oil. Lavender is an evergreen woody shrub whose flowering tops yield the full flowery smelling oil. Lavender has been used therapeutically and cosmetically for thousands of years, either as an essential oil or by using the dried flowers.
The name Lavender is derived from the Latin word ‘lavera’ which means ‘to wash’. The Romans used Lavender extensively in their bath routine and it is thought it was they who brought the plant from their Mediterranean home to northern Europe where it is now widely cultivated as a cash crop. As one of the most versatile of all the oils, Lavender has been continually used for a wide variety of medicinal, beauty and hygiene purposes even when the other essential oils and aromatherapy itself fell out of favour. Some of you may remember your parents or grandparents using bags or socks filled with lavender flowers in clothes cupboard and drawers to keep their clothes fresh and the moths at away, as it is an excellent insect repellent.

You may remember from earlier in this article that Rene-Maurice Gattefosse’s, one of the early pioneers of research into essential oils, who noted Lavender’s dramatic healing abilities when he used the oil to treat a burn he sustained in his laboratory. It was this discovery that inspired him to deepen his research and later to coin the word ‘aromatherapie’.

Lavender’s complex chemical structure of Borneol, Geraniol, Linalool, Lavendulyl acetate, Linalyl acetate and Cineol, mean that it is one of the more anti-septic, anti-bacterial and analgesic oils in the aromatherapy pantheon, making it a particularly effective, gentle and soothing treatment of burns, abscesses, acne, oily skin, boils, sunburn, eczema, wounds, insect bites and stings. Lavender is also well known as one of the three most powerful oils in stimulating the growth of healthy, new skin cells and so may help to maintain a ‘fresh’ appearance.

The fourth and final essential oil your skin will thank you using is Carrot Seed. An annual or biennial herb with hairy leaves and umbels of white lacy flowers with purple centres, the name is derived from the Greek 'Carotos'.

The familiar bright orange carrot has been used as a medicinal plant at least since the first century AD and, as the name suggests, the oil is extracted from the seeds of the plant, not the edible root we all know. The oil is a pale yellow colour and has the characteristic smell of carrots. The presence of daucol, lomonene, pinene and especially carotene, a precursor to Vitamin A. make it a very nourishing ‘skin food’. In skin care this is excellent oil. It improves the complexion due to its strengthening effect on red blood cells, adding tone and elasticity to the skin. It is said to promote more 'youthful' appearance by restoring tone and elasticity whilst helping to reduce wrinkles and remove 'age' spots. It is also said to assists in the removal of toxins and water build up in the skin giving it a fresher, firmer appearance and can be an effective treatment for such skin conditions as eczema and psoriasis.

So there you have it, my special ‘recipe’ for I believe are the four essential oils vital to keeping your skin healthy and young looking.

Now if only there were a natural facial skin cream that had all four of these oils in it. One that you could use either as a daily moisturiser or a nourishing night-time facial treatment, is suitable for men and women, that was very affordable, is all-natural, not tested on animals, could be ordered discreetly over the Internet and came with a 30 day money-back guarantee! Well, it just so happens there is one. Hand-made in the UK, it’s the only product I know of that contains all four of these wonderful ‘youth oils.’ If you’d like to find out more about this great anti-ageing moisturiser go to www.anti-ageing-cream.co.uk.

About the Author

Simon Goodall is a regularly published, professional freelance writer who has been writing articles for magazines around the world for the past 10 years.


Source: ArticleTrader.com

The Business Plan For an International Bank

In the following I have provided the business plan of an international bank starting from Switzerland. the persons or organization who wish to assist me in establishing this project can kindly write me to the email address
johnrobert.schneider@gmail.com

I am looking for help in two lines one for the management team for the bank and second investors and partners who assist me in funding the project. the range of investment is from 100,000.00 usd to above reach to billions usd. please never try for sending scam letter type of investment. No response will be sent to such letters. we seek investors who provide finance for this investment without any fee fraud perpetuation. The investor is advised to send us a full details of himself and how to contract us.

Persepolis Bank Business Plan
Table of Contents
1. Executive summary
1.0 Executive summary
1.1 Key to success
2. Company summary
2.0 Company summary
2.1 Company ownership
2.2 Start up summary
2.3 Two question
3. Products
4. Market analysis summary
5. Strategy and implementation summary
6. Management summary
6.0 Management Summary
6.1 Personnel Plan
1. Executive Summary

1.0 Executive Summary
Persepolis Bank is a starting up investment company providing all the international banking and investment Services. Our bank will provide thoughtful, complete and cost effective financial solutions. The company has identified and seeks to complete the following successive Objectives: first objective is forming of a Swiss corporation (AG or S.A.). The second objective at least two physical persons to create a Swiss corporation. The third an entire Swiss bank management team with proper credentials acceptable to the Swiss Banking commission. Finally, there is the need to develop a comprehensive marketing plan and promotional campaign. The Persepolice Bank will target to provide all the international banking services in Europe and International market. The bank will reach these segments in several ways, including direct mailings, brochures, through a website and e-commerce, advertisements in trade publications. The main segments that will be targeted are the Europe market as a whole, international market. All segments have a high percent growth rate.

Persepolis Bank will leverage their competitive edges, which are based on product innovations/features and price competitiveness. Lastly, Persepolis Bank will employ a glide ease stretcher system making entry and exit as easy as possible. All Persepolis units are designed to be compact, efficient and safe.
Persepolis will assemble a strong management team to execute their solid plan.
The Bank will achieve profitability by the end of year one, with **** million in profit for year two, rising to *** billions.
The following are the business goals and objectives for Persepolis Bank.
Expand the bank to an international broker for investment in forex and stocks market.
Expand the bank network by set up branches in European countries and USA and Asia Develop a marketing plan, service literature, website, e-commerce, and needed departments. This step will be implemented after the approval.
1.1 Keys to Success
Once the company approved the next key to success will be strong marketing efforts to increase brand awareness and customer acceptance. For this purpose, we will attend all major trade shows, publish high quality literatures, and through a website.

2. Company summary

2.0 Company Summary
The persepolis bank will set up its first branch in Geneva in Switzerland. we are going to buy A suitable building for the first branch. as the second branch we will expand our network in London ,USA and china. all the four location have a high potential of capital follows.
2.1 Start-up Summary
1. the forming of a Swiss corporation (AG or S.A.)
2. at least two physical persons to create a Swiss corporation
3. a minimum fully paid-in share capital of CHF100’000
4. majority of directors in the Swiss corporation must be Swiss Once the Swiss corporation has been established, you must apply for a Swiss banking chapter (license) which involves
:5. an in-depth thorough due diligence and background check on all individuals involved. This background check includes but is not limited to:
6. investigative credit report(s)
7. reports of good standing from your local community(ies) and state(s) where you and your associates have resided during the past 10 to 15 years concerning personal character and integrity
8. minimum of USD100mio. or more capitalization in cash depending on….
9. an entire Swiss bank management team with proper credentials acceptable to the Swiss Banking Commission is an absolute must and most difficult to assemble.
Par. 6 and 7 also apply to the management team irrelevant of their present bank employee or directorial banking status
The set-up of any company in Switzerland progresses naturally in several stages. There exists official companies that will make this service and will be there every step of the way to eliminate any problems of a practical nature and thus allow us to focus our efforts on managing our business. They can take charge of the entire procedure and make our transition to Switzerland as quick and agreeable as possible.

Who owns the banks in Switzerland?
Most banks are owned by shareholders. The big banks are owned by private shareholders, while the cantonal banks are wholly or majority-owned by the cantons. But there are also some private banks owned by a few individuals forming a partnership.
Who is allowed to set up a bank in Switzerland nowadays?
Anyone who meets the statutory conditions and obtains authorization from the Federal Banking Commission may open a bank in Switzerland. The conditions for authorization, which are laid down in the Banking Law, are strict, as savers and investors need to be protected. For example, a bank must show that it has a sound organizational structure and the required minimum capital. Also, those entrusted with its administration and management must "enjoy a good reputation and thereby assure the proper conduct of business operations."
3. Products

The bank will have a legal, research, bond, mutual fund, mortgage center and investment centers separately. Also we will set up a Courier service. Persepolice Bank is committed to fully complying with the laws and regulations and the Right to Financial Privacy Act that have been established to protect the confidentiality of customer information. A bank should and indeed must be primarily a provider of services. Our market success is gauged first and foremost by how well it performs this function. The yardstick is customer satisfaction, to which we at Persepolicebank are wholeheartedly committed.
We see ourselves as an efficient provider of financial services for demanding private customers in Europe. We are also the creative relationship bank for the successful Europe Mittelstand , for major corporate and institutions in Europe as well as multinationals from all over the world.
4. Market analysis summary

The Persepolice Bank will target to provide all the international banking services in Europe and International market. The bank will reach these segments in several ways, including direct mailings, brochures, through a website and e-commerce, advertisements in trade publications, and a demo unit. The main segments that will be targeted are the Europe market as a whole, international markets. All segments have a high percent growth rate.
In regional terms, we are concentrating on Europe, where we provide integrated financial services, operating a nationwide branch network to advise and sell our products to all customer groups. In corporate business, we also look upon Western, Central and Eastern Europe as our core market and North America as well.
As with many other specialty items, a key approach in targeting future customers is advertising in trade publications and trade shows. This allows the customer to compare the quality and prices.

5. Strategy and implementation summary

The set-up of any company in Switzerland progresses naturally in several stages. There exists official companies that will make this service and will be there every step of the way to eliminate any problems of a practical nature and thus allow us to focus our efforts on managing your business. They can take charge of the entire procedure and make our transition to Switzerland as quick and agreeable as possible.

Swiss cantons are very different in terms of language, culture and taxation. Major factors such as the proximity of airports and highways aside, there are many subtle distinctions that make the comparison of different areas in Switzerland indispensable before settling there.

We can wait until obtaining the residence permit before incorporating a Swiss company. We have the choice of forming a business corporation (100,000 Swiss francs of registered capital, of which 50,000 francs must be released at the time of the incorporation) or a limited liability company (20,000 Swiss francs of registered capital). Once they have checked that the company name is free, and the articles of incorporation, the administrators and the incorporators have been chosen, and the capital has been deposited, the company can generally be incorporated in less than two weeks..
Once we have their premises, there are still a number of things to deal with before we can begin to work: telephone lines, fax, photocopiers, computers, furniture, Internet connections, cleaning services, etc. They can save us precious time by giving us the benefit of our experience to find the best suppliers and service providers for the best price.

As the head of a business, we would no doubt rather concentrate on developing our new company than spend time running about after apartments, schools, cars, telephones, etc. Let them handle things, and that way we can get to work without delay.
6. Management Summary
6.0 Management Summary
Persepolis Bank is an investment company owned and operated by **. The company will add personnel as it grows, based on projections and timetables, keeping the cost of overhead low. The following is our plan for management, staffs, and additional employees.

6.1 Personnel Plan
The personnel plan layout is the foundation for Persepolis Bank having the key people in place will enable the company to start with a solid foundation. Employees will be added as business necessitates them.
Bank in brief
Persepolis would be global bank headquartered in Geneva
It is focused on serving its clients in three business lines:
Investment banking, private banking and asset management
Persepolis will renown for providing expert advice and holistic
Solutions and innovative products to a wide range of corporate and
Institutional clients and high-net-worth individuals globally, as well
As retail clients in Switzerland

The vision of Persepolis is to become the world’s premier bank, renowned for
its expertise in investment banking, private banking and asset management, and
most valued for its advice, innovation and execution.

In investment banking, Persepolis will offer securities products and financial
advisory services to corporations, governments and institutional investors.
Operating in ** locations across ** countries, Persepolis investment
banking business specializes in innovative solutions, drawing on expertise from
across the full spectrum of products.
Products and services include debt and equity underwriting, sales and trading,
mergers and acquisitions, investment research, correspondent and prime
brokerage services

In private banking, persepolis will provide comprehensive advice and a broad
range of investment products and services tailored to the complex needs of highnet-
worth individuals globally. The bank structured advisory process encompasses both asset and liability management. Wealth management solutions include tax planning; pension planning; life
insurance solutions; wealth and inheritance advice, trusts and foundations.
We will offer multiple booking platforms and global execution capabilities.
In Switzerland, persepolicebank will supply banking products and services to private
banking clients as well as to business and retail clients.

The bank will manage portfolios, mutual funds, and other investment vehicles for a broad spectrum of clients globally ranging from governments, institutions and
corporations to private individuals persepolicebank offers investment products across the full spectrum of asset classes, ranging from equities, fixed income, commodities and multiple-asset class products .
persepolis will be a world-leader in providing alternative asset solutions, and offers the full range of alternative investments including real estate, hedge funds, private equity and volatility management. The bank asset management business will be operated as globally integrated network, creating continuous cross-border information sharing to deliver our best investment ideas and capabilities to clients around the world
Corporate Governance

The Board of Directors is composed of a majority of independent members.
The Audit Committee and the Compensation Committee are exclusively
composed of independent members not holding an executive position within the
Group.
Code of Conduct: The Group strives to act with integrity, responsibility, fairness,
Transparency and discretion at all times.
The Group’s external reporting provides an accurate, fair and transparent picture
of the Group’s financial condition.
Strong internal and external auditors are critical for providing an independent
Assessment of the Group’s operations and internal controls.

Board of Directors of Persepolicebank Group

Chairman of the Board of Directors
Vice-Chairman of the Board of Directors
Chief Executive Officer Private Banking Chief Financial Officer of persepolisbank
Chief Executive Officer Asset Management Chief Risk Officer of persepolisbank
Chief Executive Officer Investment Banking General Counsel of persepolisbank

Executive Board of persepolicebank

Chief Executive Officer
Chairman of the Group Executive Board

Heads of Business Divisions
Chief Executive Officer

Private Banking
Chief Executive Officer

Asset Management
Chief Executive Officer

Investment Banking
Chief Executive Officer
Chairman of the Executive Board

Private Banking Services

Retail Banking will bean important pillar of the bank group. The close cooperation with the banking department Asset Management means that private customers at persepolisbank profit from individual counseling and innovative products.

At over ** branches competent counselors are ready to assist our millions private customers in all issues connected with money. Besides this branch presence, with persepolicebank Telephone Banking and our Branch in the Internet we offer two other access routes which you can use for your transactions independently of time and space.
Persepolis would be also a financial consulting firm. With offices in Geneva, and over ** locations (our headquarters), we serve clients from different countries

With Direct Net we make payments and issue securities orders directly from your computer. You benefit from the following functions:
Settle bills
Carry out transfers between accounts
Execute file transfers
Create payment and salary lists
Receive and pay e-Bills
Check balances of accounts and safekeeping accounts
Place stock market orders
Call up news, analyses and charts
SMS and e-mail alerts.

Personal Banking
From opening a checking account online to buying the perfect home, PERSEPOLIS would be the partner that can help clients take charge of their financial future by planning in the present

PERSEPOLIS offers a range of products that meet the everyday financial needs of individuals. We serve millions of clients around the world, with leading operations all over the world
personal banking services offered by Persepolis
• Personal loans
• Credit cards
• Mortgages
• Savings
• Retirement planning
• Education planning
• Personal internet banking
• Insurance

PERSEPOLIS will also offer a relationship-banking approach for mass-affluent customers, professionals and business owners. Our approach would be designed to meet our clients' needs for individual recognition and fulfill their desire for a greater range of products and services, beyond simple banking transactions.

Private Banking
We will offer highly personalized banking for our private clients, aiming to structure and enhance their wealth with services ranging from discretionary portfolio management to international estate planning and trust.

Private clients will have an assigned relationship manager who will discuss their unique financial circumstances with them and tailor products to meet their objectives.

We can help private clients in the following areas:
• Banking
• Investment advisory
• Discretionary portfolio management
• Investment funds
• International estate planning

Business and Commercial Clients

We offer a full range of commercial financial and lending services for small to larger-sized businesses.

Our services can help clients finance their business, manage their cash flow, trade internationally, succeed in e-commerce and find new opportunities.

With many of customers around the globe and a major presence in a range of markets, we will have considerable scope for economies of scale and sharing of best practices. We will have a local presence and a domestic focus on our various markets. At the same time, the advantages we gain from the synergies between our businesses benefit our clients.

Our experienced professionals will operate a team with specialists from all areas of our organization, tailoring solutions to meet our clients' needs.

Corporate and Institutional Clients

Our clients will increasingly require a comprehensive choice of products, specialist skills and excellence of service, both locally and globally.PERSEPOLIS meets these demands by integrating corporate and investment banking services for our corporate and institutional clients across **countries.

This combination offers clients the best of both worlds: a full spectrum of products that give them exactly what they need, regardless of whether they are a mid-sized company or a world leader in their sector.

Our aim is to be the preferred corporate and investment banking provider for global pioneers operating across regions, including both rising champions in emerging markets and ambitious companies in developed markets.

We shall meet our goals by delivering a full range of tailored advisory, financing and operational services to our clients, with the intent to maintain our top positions in selected sectors and products. This leading position gives us the appropriate scale and stature to guarantee the highest level of service expected by our clients.

Our client-focused approach will offer our clients a single point of contact providing a gateway to all the bank's products. We don't focus on short-term profit, but concentrate on building long-term relationships and standing by clients whenever they need us.
Asset management services

We provide fund manager identification, assessment and selection services to Institutional Investors across Europe. By adopting a rigorous, exhaustive and transparent process combined with comprehensive coverage of potential fund managers, we ensure that the most appropriate and competitive offering is identified - most closely matching our clients' requirements.

Our collective knowledge of the institutional fund management marketplace, our comprehensive research and analysis are drawn to scope out the universe of appropriate fund managers. Our proprietary IT system enables us to approach the broadest possible selection of potential providers.

Persepolisbank then supports the client through the due-diligence process necessary to identify a suitable fund manager deemed capable of responding to the requirements of the specific mandate.

Mutual Funds
PERSEPOLIS will provide individuals, private clients, institutions and leading financial intermediaries with a full range of investment fund products and services. These consist of families of mutual funds, unit trusts and investment trusts. Other collective investment schemes are offered, as well as a range of alternative investment products.
PERSEPOLIS will manage over ** billion in these funds worldwide. Assets are managed through our central operation, PERSEPOLIS Investment Management. Together, these resources enable us to combine ‘top-down’ market analysis with ‘bottom-up’ stock research and local knowledge in all major markets.

PERSPECTIVE FOR THE ORGANISATION CHARTERING
For the organization chart as international business i can consider three major line with the following
ports. All the three parts will perform under the administration service group which spoken in the
management team part in the business plan . Senior executive committee, board chairman, president or CEO, and senior vice president.

1. Line one
a. fund raising and fund management division
b. investment and funding group
c. portfolio management and money-market desk
d. institutional banking department
e. capital market department
f. asset/liability management
g. planning department

2. Line 2
a. funds-allocation division
b. commercial financial service group
c. commercial credit department
d. commercial real state department
e. corporate service department
f. credit card department
g. affiliated bankers group
h. loan review group
i. loan work out group

3. Line 3
a. personal financial service division
b. private banking service department
c. trust services
d. executive and professional service department
e. residential lending department
f. customers service department
g. safe deposit department
h. lobby service group
i. motor bank department
j. marketing department

There would be other lines one for
international banking department that operates
multinational loans ,
trading finance ,and
foreign office group

And the second an
operations department having auditing and
control department ,
branch office management department
human resources department ,
teller department ,
securities department
regulatory compliance group .

Financial statement for the first year activities
Income statement for year one of the bank activities (in millions usd)

Interest income

1. Income on C&I loans 743.40
2. Income on real state loans 582.68
3. Income on consumer loans 375
4. Income on other loans 1.53
5. Income on leases 8.56
6. Total interest on fees on loans and leases 1,711.55

7. Interest on deposit at other institutions 4.53
8. Interest on fed funds and RPs 33.67
9. Interest on US treasury and agency securities 249.99
10. Interest on municipals 56.11
11. Interest on other debt and securities 263.92
12. Total interest income on investment securities 608.22
13. Total 2,319.77

Interest expense
14. interest on now accounts 64.78
15. interest on MMDA accounts 207.58
16. Interest on other savings 44.53
17. Interest on retail CDs 86.21
18. Interest on wole sale CDs 394.16
19. Total interest on deposit accounts 797.26

20. Interest on fed funds and RPs 257.23
21. interest on other borrowed funds 3.87
22. Interest on subordinated 47.34
23. Total interest expense 1,105.70

24. Net interest income 1,214.70
25. Provision for loan losses 46.70

Non interest income
26. Income from fiduciary activities 196.18
27. Service charges on deposit accounts 190.80
28. Other gains from trading assets and liabilities 14.70
29. Other non interest income 271.70
30. Total non interest income 673.38

Non interest expenses
31. Salaries and employee benefit 597.21
32. Expenses on premises and fixed assets 175.83
33. Other noninterest expenses 425.96
34. Total noninterest expenses 1,199.00

35. Income before taxes and extraordinary items 641.75
36. Applicable income taxes 222.92
37. Extraordinary items 0.00
38. Net income 418.83
the above income statement does not include income from forex activities i can not anticipate that now . Let me provide it later.
Balance sheet of Persepolis for the first year (the amounts are in millions usd)

Assets
1. Vault cash 396.44$
2. Deposits at federal reserve 105.11
3. Deposits at other financial institutions 388.80
4. Cash items in process of collection 1,285.45
5. Cash and balance due for depository institutions 2,175.80
6. Interest bearing deposit at other FIs 44.72
7. Federal funds sold 1,077.50
8. Repurchase agreements 22.20
9. US treasury securities 1381,00
10. US agency securities 987.00
11. Securities issued by state and political subdivisions 909.06
12. Mortgage backed securities 4,842.90
13. Other debt and equity securities 916.04
14. Investment securities 10,180.42
15. Commercial and industrial loans 9,613.20
16. Loans secured by real state 4,669.20
17. Consumer loans 5,344.40
18. Other loans 20.90
19. Leases 169.20
20. Gross loans and leases 19,826.90
21. Less: unread income 63.70
22. Reserve on loans and lease losses 383.00
23. Jet loans and leases 19,380.20
24. Premises and fixed assets 637.50
25. Other real state owned 26.78
26. Investment in unconsolidated subsidiaries 1.00
27. Intangible assets 345.50
28. Other 956.60
29. Other assets 1,967.38
30. Total assets 33,703.80

Liabilities

1. demand deposits 5,824.56
2. NOW accounts 1,011.47
3. MMDAs 8,399.41
4. Other saving deposits 1,616.50
5. Retail CDs 7,570.32
6. Core deposits 24,422.26
7. Whole sale CDs 1,471.90
8. Total deposits 25,894.16
9. Federal funds purchased 1, 608.82
10. Repurchase agreement 752.38
11. Other borrowed funds 1,398.90
12. Subordinated notes and debentures 615.13
13. Other liabilities 30,775.74
14. preferred stock 0.96
15. common stock 129.62
16. Surplus and paid-in capital 984.56
17. Retained earning 1,812.62
18. Total equity capital 2,928,06
19. Total liabilities and equity capital 33,703.80$
Persepolis trust services
The purpose of this part is to provide several of the most important of the non deposit financial services of our project. banks has faced an increasingly intense struggling recent years to attract funds needed to make loans and investments and boost revenues .one of the most fertile fields for greater future growth in bank revenues and profits has appeared to many bankers to be non deposit
bank service lines including many new non traditional bank service offerings. these nontraditional bank services include fees generated by offering trust services to businesses and households ; by executing customer orders for purchases and sales of stocks, bonds and mutual funds ;and by selling insurance related products such as life and casualty insurance policies ,annuities and retirement plans .

In trust services we manage the properties owned by bank customers, such as securities, land,
Buildings, and other investments .in trust department we will generate very large deposits because we manage properties for the customers which usually include business firms, units of governments,
individuals and families ,and charities and foundations .our trust department function in a tremendous variety of roles. it routinely serve as executers or administers of wills, identifying , inventorying .trust department act as agent for companies and need to service security issues ,such as issuing new stock, and issuing retiring bonds for client firms .and often manage the pension or retirement plans of both businesses and individuals .

Persepolis brief description
I am going to describe briefly the products and services of the Persepolis project .
first let me go through the name of Persepolis . I am going to replace the name Persepolis
by the similar one Persepolis which is more convenient . As I told we have to offer several
names in the registration of the company and it will be searched if it would not have any conflict
with other intellectual properties .i think our first offer may be Persepolis . The cause of the choice
of this name was that i was going to use a very beautiful home page of Persepolis historical
place for the bank home page website . May be I select another name. because I am also going to set up this bank in a complete American manner and style .

For the bank products in the first step are the retail banking services that we can even copy from other banks. Perhaps we may choose some lower prices for encouraging the clients .let me list
these products as I remember . May be some details be added
1. Carry out transfer between accounts
2. Creative payments and salary lists
3. Receive and pay e-bills
4. Check balance of accounts and safekeeping accounts
5. Personal loans
6. Credit cards
7. Mortgages
8. Savings
9. Retirement planning
10. Personal internet banking
11. Insurance
12. Investment advisory
13. Managing many ATMs and their cards services
14. Online banking services, mobile banking, telephone banking services.
15. Mobile banking services
16. Managing automatic loan machines
17. Managing self services machine

For investment banking we offer securities products and financial advisory services to corporations, governments and institutional investors. Products and services include debt and equity underwriting, sales and trading mergers and acquisitions, investment research, correspondent and brokerage services.

We will be a service provider and offer also direct investments services to clients to invest in
Forex and stock markets. We will provide brokerage services to invest in all the stock exchanges
And provide online trading, investment advisory, discretionary portfolio management, international estate planning.

In asset management we will manage portfolios, mutual funds, and other investment vehicles for a board spectrum of clients ranging governments, institutions, corporations to private individuals.

in the forex case we will be an international broker in forex .I am considering this for the next several years program and do not expect to do so at the first step because this needs much funding for example more than 500 bn usd . This is because in forex positions the amount of
each position will be multiplicated by 50 and this needs a huge back up of assets . For example if you study internax it has at the moment 700 bn asset under management . Although there exists
some companies with 300 or 350 bn usd that have some smaller and restricted motivations in forex and stock investment .our mutual fund part is also a subsidiary of this part .

In business and commercial port we offer full range of commercial financial and lending services for small to large sized businesses .with many customers around the globe and a major presence
In a range of markets we have considerable scope for economies of sale and sharing of best practice.

About the Author

John Robert Schneider


Source: ArticleTrader.com

THE ROBBER BARON MENTALITY

Obviously, we should never condemn the psychologically and spiritually healthy men and women who realize early in life that they have something valuable in the way of intelligence, determination, wealth, ambition, strength or courage to serve society through a sound quid pro quo. There is very little to be gained by becoming a contrarian. The old Rotary motto, whoever serves best, profits most, seems fair enough. Nevertheless, it has become painfully obvious that many anxious and confused Americans have either grown greedy or have been seriously brain washed by the incessant propaganda of the robber barons and their clever spin doctors. Some very powerful and very selfish persons are steering the American Republic toward isolation from the rest of the world and a suicidal collapse. From culturally neurotic anxiety, which Frank Herbert called the little death -- to the major self-deception that Ernest Becker named the ultimate human lie -- to the narcissistic yearning to steal everything valuable which spiritual leaders call the besetting sin, a clutch of narcissistic robber barons have chosen to sacrifice America and its people to their own ruthless greed.

Normal men and women, those who choose to live at peace with the world and share the benefits of cooperative toil, are usually psychologically and spiritually healthy enough to reject greedy ideologies and narcissistic evil. They are at peace with themselves. Emotionally mature souls who are mature enough to embrace persons of different races, cultures and classes, don’t need delusions of their own cosmic grandeur in order to feel a modicum of self-esteem. Maturing citizens understand that free and independent souls are nurtured largely by the spiritual, political and financial health of their societies. As a result, more and more thoughtful Americans are fearful and resentful of the ruthless schemes now being orchestrated by our new age robber barons. We hate the way that a few ruthless souls are ravaging the American middle class, dominating the world‘s wealth and fighting endless preemptive wars in which our sons and daughters are slain to gain obscene wealth and power for a few. Honest patriots, as opposed to flag waving frauds with their wicked agendas, despair of our Republic’s collapse into an American Empire consisting of a few wealthy lords and ladies and a majority of poorly paid plebes for whom blood, toil, tears and sweat form their daily fare.

Obviously, the United States isn’t the first affluent society to self-destruct for the benefit of a ruthless financial, political and religious aristocracy. Of the twenty-two civilizations that left their footprints on the earth, all but two collapsed from their rigid ideologies and destructive myths and the escalating realization of their ordinary people that the meager rewards of their labors weren’t worth the effort needed to win them. The Roman Republic was destroyed by the robber barons of its day, who then held their possessions, power and privileges so tightly that their rigid Empire couldn’t survive when the barbarians came to pillage. Roman slaves, such as Spartacus, then picked up their pitchforks and torches and joined the invaders. Of course, when push comes to shove, there is usually a lean and hungry society waiting in the wings. Our founding patriots patterned the American system after the Roman Republic with added elements from Greek democracy. And because they were cognizant of the dangers posed by the relentless greed of a narcissistic and neurotic minority, the founders developed a system of checks and balances that has now been overturned by our own robber barons and their ruthless vassals. Our anxieties and the existential frustrations that follow, along with the universal human need to blame someone besides ourselves for society’s problems, aren’t the result of fate. Neither are they God’s punishment for enacting gender and civil rights laws to empower women and minorities as many fundamental religious neurotics preach and hate radio bigots rage.

The wicked new American Empire is being created by a cruel cabal of twenty-first century neo-fascist robber barons, no more in number than a single Boeing 747 could carry on a single flight. They are being assisted by their reactionary neo-con politicians and fundamental neo-zealot preachers. Because they yearn to corner all the wealth and power of civilization and to create a theocratic empire in which fundamental Christianity reigns supreme, the wicked triad of plutocrats, politicians and preachers is creating a financial, political and religious disaster of the first magnitude. The robber barons scheme to increase their own privileges even though such selfishness guarantees incessant social turmoil, more and more poor and homeless families, and the sacrifice of our young people in preemptive wars that serve the aristocracy. Of course, no one is greedy simply because he or she is greedy. There are always hidden reasons why some people are driven emotionally to use and abuse other men and women, why they are willing to destroy the American Republic in a raging lust for possessions, prestige and power. The majority of them have great suppurating wounds in their souls that all the wealth and power of the world cannot heal. They are driven to seek spiritual or intangible satisfaction through secular methods and they simply don’t work.

Ernest Becker published an excellent book about the often unconscious and usually self-defeating aspects of human emotions called THE DENIAL OF DEATH. Becker, like Otto Rank before him, revealed how narcissistic delusions about one’s superiority over the rest of humanity, are neurotic overcompensations used by fearful and frustrated persons to quell their hidden feelings of inadequacy. A significant percentage of the men and women who ruthlessly claw their way along in businesses like Enron and Arthur Anderson, in reactionary politics and the military and even the fundamental ministry, are desperately trying to convince themselves they are not really the inept, inconsequential wretches someone powerful and cruel branded them in their formative years.

Neurotic robber barons of all varieties struggle against remaining the powerless and threatened non-entities whom in their secret hearts of hearts, they still feel themselves to be. Such wounded egoists simply cannot find relief by considering themselves merely normal humans Their hidden pain is so severe they must fabricate a pretense of cosmic superiority that seems to place them on pedestals far above the plebian peasants of humanity. In a real sense, most are identifying with the aggressive manipulators of their childhood. Their motto has become, if you cannot defeat the abusers of society, make a major effort to join them. The destruction of the Republic and the creation of an American Empire are wicked defense mechanisms against fears of inferiority used by fearful persons who have forced their way into high places. The continual clawing for possessions, power and prestige is a desperate attempt to escape the clamoring inner demons that flog them on and on. And yet, despite their delusions of grandeur, conspicuous consumption and a lack of compassion, narcissistic abusers must cope with the many vicissitudes of life. As the timeless Greek Tragedies reveal, ruthless power brokers also crash head long into the tragic quartet of human reality. They also must cope with the pain, rage, guilt and the death dread which everyone experiences to some degree but boil up so painfully within the psychological and spiritual unconscious elements of each crippled human soul.

Secular minded men and women who fail to realize that our species evolved with deep metaphysical needs and with consistent spiritual yearnings, who pursue only the pragmatic aspects of life, must constantly work harder and harder in order to feel good about themselves. Powerful narcissists may never ride a grubby bus, drink cheap jug wine or die in a crowded nursing home, but they sacrifice many youthful ideals. Some cripple their marriages with egoistic affairs as Bill Clinton did, try more or less successfully to cope with their angst, bury their aged parents, fail at appearing godlike and become jaded, old and vulnerable, precisely like the poorest plebes they use and abuse for their own benefit. As Clinton confessed recently while promoting his book, all narcissists suffer from a dark and anxious aspect to their souls. Aging and decline and the life-long dread of death and extinction, although usually repressed into the unconscious, are great democratizing levelers. Some fortunate neurotic abusers and psychopaths eventually discover that their compulsive and obsessive pretensions, in the heroic Hellenic sense, are only illusions. Others live their entire lives with few redeeming virtues as they look out for I - MYSELF ALONE, never maturing into authentic and accepting persons spiritually or psychologically. They cannot believe that their fifteen minutes of fame and prestige have no more cosmic significance than summer thunder on the Great Plains.

Alas, it is the duty of existential philosophers, ministers, psychologists and psychiatrists to be a bit paranoid, to peer beneath the surface rather than take at face value the assertions of compulsive men and women who boast of being superior souls on the side of God and the angels.

Existential psychotherapists and philosophers consistently see deep pain, paranoia, rage and aggression simmering within the souls of narcissistic or neurotic persons. Karen Thompson, in her book THE WAR FOR GOD, revealed quite clearly the ego wounds and frustrations swirling within the unconscious aspects of seriously reactionary and fundamental manipulators. She reported that the frozen ideologies of true believers are symptoms of their discontents and their consistent paranoia about dangerous enemies lurking to betray them. She found that there are always serious psychospiritual reasons why some men and women become narcissistic, paranoid and defensive rather than accepting and open to new experiences and relationships. Greedy elites are frozen in their privileges, much as the Bourbon kings of France of whom it was obvious; They learn nothing new and forget nothing old. We must do due diligence in our important choices, but neurotics have over-learned from their early experiences and relationships that life is dangerous, people are dishonest and that one must remain alert and defensive at all times. Neurotics live with a sense of basic distrust about life, and a great many of the spouses and children of egoistic, anxiety driven persons, fare badly when trying to make their own way. Stanley, a psychology major at Olivet College, was the oldest son of a fiercely dominant man from Chicago’s Near North Side who reinvented himself as a very good neurosurgeon. As he did with everyone around him in his raging quest for wealth, significance and privilege, the father smothered Stan in his fierce determination to make the youngster worthy of his superior self. We all make subjective choices and some of them are disastrous, but the men and women who consistently behave egoistically and remain ruthlessly acquisitive, are overcompensating psychologically for their emotional and spiritual wounds. They are using defense mechanisms that lead to a modicum of relief but they also must endure the many conflicts their greed causes. The life-long mantra of narcissistic abusers, including virtually all the robber barons currently creating a ruthless American Empire, is;

More, more, more! Even vast wealth, power and prestige are never enough to give me satisfying feelings about myself -- not until society admits to my total satisfaction my rightful place among the godlike nobility whom the grubby plebs of the world must obey and serve. What good is my wealth and power unless I am accepted by the power elite, until there are sufficient numbers of peasants to envy me?

So much of humankind’s hubris becomes self-defeating. Even Benjamin Franklin who loved the sophisticated pleasures of English life and lived in Great Britain for years, trying to break into the aristocracy, finally saw that the self-styled quality folk would never accept him except as a somewhat successful plebian tradesman. It is ironic; had the British upper classes been flexible to accept this competent and charming man who admired them and tried to join in their revels, their descendents might still have considerable influence over an American Commonwealth. As it is, as lickspittle Tony Blair has shown, England has become a quaint little land that is little more than the wagging tail of the Yankee dog. When Franklin finally recognized the aristocratic British scorn of everything American, he came home and became one of the Revolution’s brightest stars.

We can savor deeply the one goblet of sweet red wine life provides men and women. We can begin by investing our youthful potential bestowed by loving but imperfect parents and the flawed American system into purposeful activities and relationships. And even if we have not been as fortunate as some, we can still assume responsibility for our lives and strive to become what we can be. As Viktor Frankl wrote, There is no condition in life that cannot be improved by holding positive attitudes about it. He wrote the classic book, MAN’S SEARCH FOR MEANING, after spending three and a half years trapped in the anteroom of Hell, in the Auschwitz murder factory. Fortunately, as we mature, not even God himself can erase one jot or tittle of each person’s meaningful accomplishments from the Cosmic Record. No teacher obliterates a child’s mastery of the multiplication tables. No surgeon recalls a patient to undo a lifesaving operation. Fleming could not take back his work on penicillin. Neither God nor fate can negate the bounty of Borlaug’s miracle grains that saved more than a billion people from starvation. Whatever good we have created, has been written forever, is our own to savor and cherish as potential which may have been squandered, that we have transformed into reality. It doesn’t matter that we are not supremely creative in every given stage of life. Sometimes we need to rest. But we do have every right to relish joyously the satisfaction given us by the sound accomplishments and the good relationships we have enjoyed. On the other hand. we simply do not have any religious, social or political right to behave as robber barons who rip and tear every personal benefit from everyone else and from the very earth itself.

We really should support the honest people who meet society’s needs every day. One elderly man quipped that the merchants of his city have carried him for so long, he is naming them as his pall bearers. Especially exciting is the tide of global entrepreneurship sweeping across Asia and now swiftly spilling over into Africa and Latin America. It was born when one American educated economist from Bangladesh and a few friends escaped capitalistic orthodoxy long enough to invent a solution to Third World poverty through a system of very small banks. The system is only now reluctantly being copied by executives of the World Bank.

The small group of creative souls is organizing a larger and larger post communistic, post industrial system of rural micro banks that is supplying the ten and twenty dollar start up loans that incredibly have taken huge numbers of Bangladeshi families out of poverty in the last decade. You must remember Bangladesh -- the economic black hole of Asia. It is exporting rice and goods now and this generous economist and his team did most of it. This really is back street global economics that work as poor people, mostly women trying to feed and educate their children, borrow enough money to buy bamboo strips and permanent dyes and sea shells and wool scraps from which to create beautiful native crafts and a hundred other products. They then sell them for ten times the income previously offered by the aristocratic money lenders who strangled their lives. Some women have bought a cell phone or two and gone into business as the community telephone lady who, for what we would consider pocket change, can put every person in a village without running water or electricity, in contact with all the knowledge and wisdom of every library and university in the world. Or, for that matter, with a government doctor or a wholesale merchant in a distant city. Given the innate human desire to tinker with nature, to make life a little better, it would appear that this new information revolution is just now shifting into high gear. Of course, it helped that Norm Borlaug, a somewhat atypical Iowa farm boy, first kicked the doors open by developing strains of grain that double or triple each farmer’s yield. The new proto entrepreneurs not only borrow the ten or twenty dollars needed to escape poverty through focusing their family‘s energy without the interference of some bureaucracy, they can borrow up to thirty dollars if they really need that much capital to get started. The borrowers collectively own each local micro bank and have stopped asking village money lenders, the aristocracy and clergy for permission to succeed through their own initiative. And who says there are no more miracles when emotionally healthy people are spiritually minded in their quest for self-esteem? Imagine what it feels like to go to sleep at night knowing that you have almost single handedly created a micro banking world network that is making life meaningful for millions of men and women. The default rate is non-existent and the growing prosperity is obvious to everyone.

This is something the World Bank with its grandiose schemes for enriching a few robber barons ignored until forced to follow along. Bank executives always find it more cost effective to finance a consortium of generals, aristocrats and politicians that corners a nation’s traditional water supply and then sells a trickle back to the farmers for half of their annual income. And then they wonder why the peasants come, as Pat Buchanan said, over the hill with torches and pitchforks. Which is what world terrorism is all about and why it is increasing steadily in the era of Global Capitalism.

Courageous politicians who have the moral and spiritual courage needed to reject financing by the manipulative raiders of the fast fading Republic, deserve our support. Unfortunately, they seem to be shrinking in number year after year. Not only has the Republican Party turned violently narcissistic in order to serve the robber barons, much of the Democratic establishment, including Bill Clinton and John Kerry have moved over with them. Perhaps they must in order to be viable candidates in today’s climate of fear, frustration and aggression. Unfortunately, political propagandists have become so effective at pandering to existentially alienated men and women, that many voters consistently support politicians and preachers who are betraying them at every turn through their outright lies, television images and glib ideologies. There is very little objective reality in our political campaigning, everything is artfully spun in order to deceive the fearful, the naïve and the culturally neurotic because fear does sell better emotionally than hope in times of change and stress. While normal men and women use language to clarify their intentions, politicians and their mind bending spin doctors have become experts at speaking cleverly to conceal what they believe and to obscure what they are doing. Very little is real, virtually everything has become spin. At a recent press conference, George Bush successively smothered four successive questions he didn’t want to answer and spun them into something different and then answered his own questions with egregious deceptions, He is now claiming he never said that Saddam Hussein and Osama bin Ladin were co-conspirators in the 9/11 attack. Actually, for months during his run up to the Iraq invasion, he scared naïve and trusting Americans half to death by naming Hussein the arch terrorist with doomsday weapons that could be used within forty minutes. He pulled so many swift switches with the color code that almost seventy percent of Americans still believe that Iraq rather than Al Qaeda was responsible for the attack. The entire spin system is deeply deceptive, reality is what the propagandists say it is, until they get tripped up and declare that their previous Truth has become inoperative. According to J R R Tolkien who wrote the world class novel about illicit power and greed, THE LORD OF THE RINGS, politicians, preachers and plutocrats who grub incessantly for wealth and power, use so many rationalizations that they lose the ability to distinguish between good and evil. Fact and fantasy and good and bad choices become blurred, all run together in ways that lead to financial and military disasters for the countless naïve people they work so hard to deceive.

In his autobiography INSIDER, Joseph Callifano who grew up in a barely middle class family in Brooklyn, New York, tells about a brilliant career that led him to Harvard Law School and to service with Presidents John Kennedy, Lyndon Johnson and Jimmy Carter, along with international fame, considerable wealth and consistent service to humankind. Callifano emphasized that a man or woman who plans on succeeding through their God-given gifts of intelligence, creativity, strength or family fame, needs a moral compass that successfully navigates ambitious persons past the often appealing expedient but ultimately self-defeating choices of life. Otherwise, he said, we are pressed to compromise our values so often that we become prisoners of our own selfishness, becoming consistently self-serving in our well rationalized greed; unable to live a fulfilling spiritual life-style. Callifano testified that he found his moral compass in the spiritual teachings of his church. Many can say the same, although much of the church no longer remains a beacon to light the way for souls crossing the cosmic sea. Many fundamental and orthodox church leaders have compromised their ethical and spiritual integrity by joining reactionary politicians, have focused on a few spectacular issues that distract thoughtless persons from the major problems facing the vanishing middle class and the fast fading Republic.

According to Viktor Frankl and most other existential psychologists, the vast majority of normal persons prefer living a peaceful life with people they love, developing a small corner of the world in which they belong. Very few persons feel compelled to endure the incessant battles needed to acquire great wealth and power. Most of us simply do not have the gnawing neurotic wounds that flog so many robber barons, reactionary politicians and fundamental preachers relentlessly on and on. Contented people realize that while wealth and power may be convenient at times, they are seldom worth the cost one must pay to acquire them. It is deeply disappointing for egoistic men and women to discover, after having expended a lifetime appearing heroic through grubbing for wealth and power, to learn that only the spiritual aspects of life are consistently satisfying. Possessions turn to rust and dust, our power is seized by eager understudies, we become satiated with pleasure and everyone soon moves beyond his or her fifteen minutes of fame. This eventual recognition is why so many people who become weary though excessive consumption cling desperately to a caricature of vigor through trophy lovers, hair transplants, compulsive exercise, botox treatments, Viagra, breast enhancement, face lifts, cryogenic preservation and the like.

Many if not most secular minded narcissists approach the final curtain of life with a major sense of loss: Surely just one lifetime isn’t nearly enough for such a unique and magnificent personage as myself. Even after becoming the most powerful politician in twentieth century France, Charles De Gaulle was overheard muttering late in life; Shipwreck! Shipwreck! My life ends in an absolute disaster. Existential philosophers and psychotherapists such as Soren Kierkegaard, Viktor Frankl, Otto Rank, Carl Rogers, Ernest Becker, Wayne Dyer et al, believe that unless a person has lived spiritually and ethically enough to face the end of life with equanimity, without lingering feelings of guilt and regret, he or she hasn‘t become an authentic human, has hardly lived at all. Even one Catholic power broker, a dominant Italian Cardinal within the Vatican Curia, a former candidate for the Papacy, confessed ruefully to a colleague;

If God gave me another life, rather than follow this deceptive and devious route to power, I would pastor a rural parish with just enough theology to preach decent sermons, hear confessions, assign penance and relax on the front steps with a bottle of wine and talk about their prospects with the farmers coming home from the fields and pastures.

Some jaded power brokers eventually seek redemption and an illusion of immortality through belated generosity. The quintessential robber baron Andrew Carnegie built scores of libraries, Carnegie Hall and contributed great sums of money to Carnegie-Mellon University, when he finally realized he could neither consume anything more nor take any of his immense fortune with him. In a yearning for a modicum of immortality, he directed his name be carved in marble over the entrance to every Carnegie Library. I doubt that he cares about his fame any longer. Carnegie was seeking absolution and indeed, he had much of which to repent after a lifetime spent using and abusing his battered and tattered workers as if they were inanimate machines to be discarded when they malfunctioned.

It is obvious that American governance has fallen into the hands of the narcissistic triad of robber barons, reactionary politicians and fundamental and orthodox clergy who betray society by obsessively serving their own interests. The ultimate selfish ideology that leads to greedy consumerism, the fall of the middle class, the death of the Republic and potentially fatal environmental disasters was found initially in the seminal THE WEALTH OF NATIONS from the eighteenth century. It can be summed up this way.

When every selfish person or organization subordinates morals and ethics to net worth, when every ruthless power broker and narcissistic manipulator insists that greed is good and rips everything valuable from weaker persons and from the earth itself, when companies, governments and political parties take every advantage of each subordinate, leaving the people with only enough of the profits of production to survive and to work ever harder without retirement programs, social security, medical care, good schooling and decent housing, the wonderful free market magic starts working. In some miraculous manner, perhaps like the loaves and fishes Jesus blessed, everyone benefits from countless ruthless abuses. We can destroy the middle class goose that produced the golden eggs through its vast purchasing power but society shall continue to prosper because the robber barons and their narcissistic vassals will still be affluent, prestigious, and privileged.

Permission to use if attributed to authors with website address.

About the Author

Jard & Roberta DeVille; Psyc. Dept. Chair at Westminster College; leadership psychology at the University of Arizona at Tucson; published psychology books, seminars & psychological assessment instruments. The Book NICE GUYS FINISH FIRST was a best seller. He & Roberta wrote 'LOVERS FOR LIFE' and other courses/books together. She's been a wonderful teacher in Minneapolis for many years. He’s considered by many to be America’s foremost leadership scholar. Visit http://www.fulfillmentforum.comfor Free Courses and E-Commerce Tools.


Source: ArticleTrader.com