Help With My Book List

Dear Readers of the UNews:

I need your help!

I am trying to compile a list of children's books for my children and for whomever I meet who would be interested.

Being foreign-born, I find it takes some extra effort to discover what is good in American literature for children.

Could you share about any book which moved you as a child or moved your children?

Areas of interest are: love of God and for God; love in the family and for others; love of nature.

Thank you again for your help.

Nadia Clark
1836 E. Emelita Avenue
Mesa, Arizona 85204 (602)813-9067

Colors of Reality or "Nessing"

by Victoria Clevenger

This is the result of an internal dialogue between me and Someone else whom I hope is deserving of capitalization. Since I directed myself to God, I will assume it was Him. But even if it was "just" another aspect of me, I'm grateful for the result because when I remember to "ness," my reality takes on deeper and richer colors of feeling. I hope yours will too.

While riding in our van I was thinking about what to put into the next issue of HeartWing. I asked God if He had anything He wanted to say.

"Talk about colors of reality."

What does that mean??

"Think about how when you're in love, things seem more intense, pleasurable, engrossing. Or like in the books you've been reading about the spirit world, as a person progresses to higher levels, his environment becomes much more colorful and bright. The innate value, beauty, and essence of things is more clearly perceived when you "see" from a clearer, deeper, more essential part of yourself. You grok (embrace, comprehend) the essence or the "-ness"-the quality of-an entity (person, thing) more. Thus the entity becomes less an irritant or distraction, which it can be if your focus is only superficial or temporal, and more a source of nourishment to your essence."

I then continued talking more with myself, realizing that it is important to "ness" because to do so I have to go deeper beyond my noisy mind and external concerns to the "ness" of myself-the pure true quality of who I actually am. And it's further important because then I can more make "oneness" with the One who is the source of all quality, all beauty, essence, and innate value.

I tried this while eating a wholewheat fig newton. How do I fully perceive and receive all that fig newton-ness can give? Not only did I savor the taste and texture, but I thought of all that had gone into its being in my mouth at that time. It was a much more cosmic and memorable experience than I had ever had eating a fig newton. And it satisfied me on much more than a physical level. Then I looked at my son and tried to fully comprehend and embrace his Daniel-ness (instead of being irritated by his demands for a cookie).

After that God (I hope) said something which I have heard from Him before: "Hurry is the enemy."

As Joseph Campbell maintains, people say they seek the meaning of life, but actually we seek the experience of life. We can be in heaven or just perpetually attend lectures on heaven. We can be in such a hurry to get somewhere that we forget to truly be in the moment.

For me, trying to fully appreciate what I am perceiving involves me in a wondrous circuit of

a) awakening and nurturing my God-given capacity for appreciating, while also

b) nourishing the person or thing being appreciated, and in turn

c) appreciating God for His qualities that are expressed in the person/thing being appreciated, and

d) expressing on His behalf His appreciation for that which is being appreciated. Whew!

Nessing takes me to a deeper, more peaceful part of myself, and often produces tears of aliveness and connection to the person/thing I'm nessing.

Can you ness all this???

Children's Day at Sunshine School

by Kevin Thompson

The 35th Children's Day was celebrated in great style at the Sunshine School in Berkeley, CA, on Nov. 3. With a desire to make our church holy days more memorable and exciting than secular holidays, the staff and student body of the school made a heavenly day for parents and children. Beginning with a speech and cake-cutting ceremony on the school grounds, then moving on to the fun activities, a wonderful time was had by young and old.

With each class designing a game or activity-the children staffing it themselves-a spirit of responsibility and joyous cooperation was created. With apple bobbing, treasure hunts, squirt-gun marksmanship, and the immensely popular petting zoo, there was fun and prizes for everyone. The petting zoo, manned by K. Buscovich and Ariana Richie, had rabbits (courtesy of Ann Carrigan), hamsters, rats, newts and live leopard sharks, lobsters and crabs (provided by John Newberry of Ocean Church). Surely those children who participated will remember and long for Children's Day just as much as Halloween.

Reprinted from American Neighborhood 

Catching the Wave of the New Sexual Revolution

by Karen Gaigg -Newark, NJ

If you believe most of the the media, especially the movies coming out of Hollywood, it is suave and debonair singles who are enjoying fantastic sex while the married set suffers a gray, passionless fate.

That is why the Sex in America survey, released in October 1994, regarded as the most authoritative and comprehensive survey on the topic yet, shocked many in its findings that:

* 4 out of 5 married persons are faithful, ie. have never cheated on their partner.

* Married persons had more sex and said they enjoyed it more than singles.

* 9 out of 10 of the married said their sex lives were "very" satisfying. About the same said their sexual relationship was emotionally satisfying.

* Those people with more than one partner in the last year expressed the lowest rates of satisfaction.

* The study concluded that the vast majority of adults were either abstinent or monogamous (8 out of 10) and satisfied with their situations.

Previous studies of sex in America by Kinsey, Masters and Johnson, Playboy and Hite gave radically different pictures of widespread infidelity.These were biased because they depended on volunteers who may not be representative of the national population. The new survey, conducted by the University of Chicago's National Opinion Research Center is considered more accurate because the people interviewed were randomly selected.(Source: University of Chicago, National Health and Social Life Survey, random sample of 3432, ages 18-59, released October 1994)

After the Revolution

This study as well as others relating to the role of marriage in society are discussed in a program released by the Center for Educational Media in October, 1994. The program, After the Sexual Revolution: the role of marriage in societywas presented at the University of Texas in Austin in October and at Yale University in November by CEM founder Richard A. Panzer to audiences of roughly 30 students each.

At Yale many students stayed after to talk about the ideas in the presentation for about 40 minutes. One student, a sophomore, spoke about his involvement in a sexual relationship that he felt had been extremely destructive. He said his girlfriend had already dropped out of school as a result and shared his intention to do so as well. A female coed stayed to debate whether the institutions of marriage and engagement are really necessary. Another student asked how people who are married where one or both are going through a mid-life crisis can stay together.

At the University of Texas, two student groups cosponsored the event. While many students expressed agreement with the benefits of marriage and the harsh difficulties imposed on the children of disrupted families, some questioned what they felt was a one-sided portrayal of feminist writers and leaders. The presentation discusses the well- known statement by feminist author, Gloria Steinem, who said: "a woman without a man is like a fish without a bicycle." Richard A. Panzer conceded that the two parent family has not always been a "family heaven", and that many view it as a "patriarchal hell," but he said that the solution to dysfunctional families is not to abolish or abandon them. He advocates a "paradigm shift" mentioning such authors as Rollo May who states that love is more important in relationships than sex and Stephen Covey who has written about the value of developing one's character in several books including the best-selling Seven Habits of Highly Effective People.

Richard A. Panzer's presentation even gets to Freud, stating that our culture has misunderstood him by assuming that he advocated "sexual liberation." Several of Freud's writings near the end of his life are quoted to document that Freud acknowledged the existence of nonsexual love and even the religious conception of unconditional love.

Richard A. Panzer concludes by pointing out that many baby boomers are returning to their religious roots to strengthen their marriages. But while such mainstream healthy trends are encouraging, children in a growing underclass are ravaged daily by a culture of violence associated with absent, often nameless, fathers.

Buffalo Signals Messianic Age to Native Americans

by Renee Thomson-Madison, WI

Early in the morning on Aug. 20, 1994, in Janesville, Wisconsin, Dave Heider, a local livestock farmer, went out to his field to check on his herd of buffalo. He could not believe what he found; rubbing his eyes and looking again, he realized that the white buffalo calf standing in front of him was not an apparition. In those early moments of bewilderment, Mr. Heider did not truly understand that the newborn calf he was marveling at was the fulfillment of a prophecy of the Native Americans.

Like many of us, Dave Heider did not realize that one day he could wake up and his life would be forever changed. What he witnessed as a miracle of a white buffalo has such deep meaning to the Native Americans that he and his wife Valerie eventually named the female calf Miracle.

In the following weeks, thousands of people came to visit the 45-acre farm. They came to pray, to leave poems and gifts, and to join in the spirit of heralding in a new era of peace. It is believed that representatives of some 350 North American tribes have come to pay their respects.

Later I was to reflect on why Miracle was born in Janesville, with a population of only 57,000. Why our town? Why now? Why the Heiders? Why in the state of Wisconsin? In time, only God-or the Great White Spirit-can really reveal the meaning.

The following was printed in The Janesville Gazette, Thursday, Sept. 1, 1993, excerpted from John Fire Lame Deer's 1967 telling:

"One summer so long ago that nobody knows how long, the seven sacred council fires of the Lakota Sioux came together and camped. The sun shone all the time, but there was no game, and the people were starving.

"The chief sent two young men on foot to hunt. The men climbed a high hill to scan the whole country and met a beautiful young woman who floated as she walked.

"One man desired the woman and tried to touch her, but he was consumed by a cloud of snakes and reduced to a pile of bones.

"The other man returned to his camp and told the people the holy woman was coming. When she arrived, the woman gave the people a sacred pipe and taught them how to pray.

"`With this holy pipe, you will walk like a living prayer,' she said.

"The woman also told the Sioux about the value of buffalo, women and children.

"`You are from the mother earth,' she told the women. `What you are doing is as great as what the warriors do.'

"Before she left, she told the people she would return. And as she walked away, she rolled over four times, turning into a white female buffalo calf.

"After that day, the Sioux took care of the pipe, and buffalo were plentiful."

Local news reports from The Janesville Gazette have presented the issue to the public:

"Mr. Heider said, `It's like the second coming of Christ for Christians. It is very sacred. I still don't know why God gave us this white calf.'" (Thursday, Sept. 1, 1994)

"Alex Whiteplume, executive director for the Oglala Sioux Parks on the Pine Ridge Indian Reservation in South Dakota, explained that it is not known for certain that the calf is a white buffalo. Heider said, `The calf will not shed its birth coat for three months, and a blood test won't be performed for at least six months. Because the calf is not an albino, its fur still may darken.'" (Thursday, Sept. 1, 1994) It is reported that for the Native Americans, the prophecy has been fulfilled, and it does not matter whether the calf changes to a darker color.

"For the Heiders, life has changed, has virtually been turned upside down. Initially, many bison breeders contacted them because they were interested in obtaining sperm from Miracle's sire to experiment with breeding more white buffalo. Miracle's father died within one week of her birth. Harry Homer of the Oneida tribe near De Pere, Wisconsin, said that higher powers did not intend for such experimentation to happen." (Saturday, Sept. 3, 1994)

"Two Sioux holy men came to Janesville to perform sacred ceremonies in honor of the white calf. Arvol Looking Horse holds the 19th-century sacred pipe given to the Sioux by the legendary white buffalo calf woman. He said that `the spirit of the buffalo reflects on the spirit of the (Sioux) nation. We have to respect the buffalo.' He further explained that since 1990 they have expected the birth of a white buffalo, because it marks the end of the sixth generation, which started in 1890 when the buffalo were slaughtered and the Native American culture was desecrated. He said the buffalo's return signifies that a `healing would begin,' and dreams and visions would return. `It's time for us to get back for the nation to live,' Arvol said. `When we live this way, when we're ready to go in to the spirit world, our relatives will follow us.'" (Thursday, Sept. 13, 1994)

"Floyd Hand, a medicine man at the Pine Ridge Reservation in South Dakota, performed a sacred pipe ceremony. `It's an omen that's bringing a new change to a new world,' said Hand. `The 21st century that's coming 'round is going to unify all of us. We are here to encourage people to pray for peace. We're gonna heal together now.'" (Tuesday, Sept. 13, 1994)

"Mr. Hand explained that the Lakota Sioux believe that by unifying the sacred circle which includes four directions, elements and colors, peace will come to the earth. Europeans and white people were given responsibility for the air. Black people were entrusted with fire, symbolized by the heart. Asians were to take care of the blood, symbolized by the color yellow. The earth was to be honored by the Native Americans, symbolized by the color red." (Tuesday, Sept. 13, 1994)

On Oct. 10, I was able to contact Floyd Hand by telephone at his home in Sioux Falls, South Dakota. Also known as "Looks for Buffalo," Floyd is an Oglala Sioux spiritual leader. Mr. Hand explained that he was visited three times in a dream by the Blessed Virgin, in 1968, 1988 and 1994. He said that he knew that the white buffalo calf would be born in Janesville, and that the Blessed Virgin is using her image.

In his visions, the Blessed Virgin told Mr. Hand that she would be seen all over the world. She told him that people who do not turn to a true inner life will destroy themselves through floods and fire. Mr. Hand also shared that "People have become materialistic, instead of joining the unity of helping one on one." He further said that many people will lose their houses and material belongings in this time.

He said that this growing development of peace will be happening over the next 27 years, and that by May 21, 2021, peace, love and harmony will be at hand. There will be no more war. Mr. Hand predicted that unless people choose a more spiritual direction, the Tower of Babylon, which he refers to as the big cities of our nation, will fall. He said in this time intercultural and interracial marriages are happening.

Mr. Hand continued to share: "The yellow people prayed with Buddha. The white people prayed with Christ. The black people prayed with Mohammed, and the Indian people prayed with the Blessed Virgin."

He said: "We pray in a circle. The image of the earth is the moon. The image of life is the sun. The giver of life is the earth. Sun, moon, earth. The giver of life is God. The time of learning is when you are born. The time of giving is when you have children. You teach them and care for them, loving them as you have loved everything. Fire, air, water, earth. The return is eldership. You teach your grandchildren, and then you go home."

In considering our present time, Mr. Hand said that "Everything has been destroying common sense. We have lost the concept of the extended family. Today's life is called the high-tech life. The European culture has lost all sense of reality. They have lost their inner power, common sense, faith and trust." He said, "We knew Miracle would be born. This is why it had to happen. Miracle will heal a lot of people."

So far, our family has visited the Heider farm four times. On one occasion, our Regional leader Rev. Hun Suk Lee and members from around the state came to visit Miracle. Each time I have gone, I have felt a peaceful feeling, one of serenity, harmony and hope. I have seen all races stand side by side at the gate, adorned by colorful amulets, dream catchers, and various offerings. It is often a quiet moment, like entering into a sanctuary. Everyone has their particular belief, and yet the beliefs are not keeping people from joining together.

It has been inspiring for me to speak to several Native American volunteers who offer their time as security every weekend. They carry so much depth in their faces and hearts. I believe my Cherokee ancestors are moved by what I am learning from them. They are my teachers, because they have suffered so much more than I have. Both my husband and I have shared with them how we have learned that the Native Americans are cousins to the Koreans. We have shared about our work with Rev. and Mrs. Moon, and about the new Age of the Completed Testament that we are living in.

I often remember Rev. Moon speaking about the Belvedere Training Center. He told us that one day thousands and thousands of people would come to visit the place where he has given sermons over the years. I believe that will happen. It is only a matter of time. After all, it is not too difficult to go to a gate and look at a buffalo who does not speak. What is more challenging for any of us is to humble ourselves to listen to God's inspiration and direction for our lives.

After people leave the sight of Miracle, her mother and the buffalo herd, they return to their cars. On the way, many stop at the barn where Gary Gandy presents the only authorized painting of the calf.

Gary told me, "The buffalo has done all it has to do. It was born with a brown nose, brown eyes and brown hoofs." In other words, she is not an albino. Gary said that the chances for a white female calf to be born are extremely small. For anyone wishing to visit Miracle, the Heiders welcome people from 1pm to 5pm on Saturdays and Sundays.

Caption:

Anyone interested in purchasing a limited edition please contact the Marshall Publishing Company immediately. To order call 1-800-484-6520, dial 6405.

Breaking the Chain of the Battered Wife Syndrome

by Ellen Goldstein, C.Ht.-NYC

Abuse, both physical and verbal, has been a fact of life for women for thousands of years, and at times the mistreatment of women was thought of as normal. However, as we have come to understand today, that kind of behavior is destructive. It destroys the abused and the abuser alike. Modern psychology has given us insight into these dynamics, commonly referred to as the "Battered Wife Syndrome." This title is a misnomer. Both the man and the women caught up in this dynamic are playing their respective roles: in most cases, the woman as the victim, and the man as the attacker. Let me explain what I mean by roles.

Each person holds within his or herself the seeds of their own destiny. From the minute we are born our minds begin processing information that will shape the direction of our future. Our subconscious mind literally drinks in all the information that it is fed, and this subconscious mind shapes our every action. Words have tremendous power, and the verbal food we ingest is the building blocks of our self-image. The phrase "You are what you eat" is applicable here.

People who have been taught to respect and love themselves are happy and bright. They attract others like moths to a flame. Everyone wants to be around them and share in the energy of their love. In contrast, those who have been infused with low self esteem create a whirlpool of negative energy around themselves, and people avoid them. No one wants to be sucked into their dismal atmosphere.

Negative input or abusive behavior in our past leave scars on our psyche. The scars act like magnets, attracting similar treatment. Because we have been convinced we should be hurt, we subconsciously set up situations in which we will be hurt, justifying the negative treatment we receive. We unwittingly set ourselves up.

Too many people in our society, especially women, have been taught to think of themselves as worthless beings, deserving mistreatment. And too many people in general have been trained to believe that they are stupid or worthless and do not deserve love. Nothing could be further from the truth. Every person is precious and unique. We derive our value simply from the fact that we exist and are part of God's family. No matter what we have been taught to believe in the past, we have the power to change the channel and transform our lives.

It is, however, a difficult task. The process of re-instructing our subconscious minds is not natural. Our minds were designed to receive only one set of self values. But with our mixed up society, we ingest many conflicting messages. For example, in church we are taught that marriage is the highest ideal, and that we should "save" ourselves for marriage. But the promiscuous lifestyles of our modern-day heros are touted from every magazine cover and television screen.

The subconscious mind is like a computer. It digests everything it is fed literally. It cannot sort through the information we receive and choose the best--especially when we are children. Ingesting this conflicting information erects many barriers within us that impede our growth. Individually we must find out what our barriers are and break them down.

Easier said than done! I am sure there are many of you who have tried to change your situation without much success. Others simply do not know where to start. It's hard to pull yourself out of a deep hole without the help of someone with a long rope. It's not impossible, but for the majority of us, it's close to it. If you are in a dangerous situation, you must get out. Very few people have the internal stamina necessary to transform such a relationship when trapped within it. Especially in an atmosphere of violence. Once you are out of that environment, you have more freedom to change.

Just as there are many types of people in the world, there are many healing techniques. No one technique is right for everyone. The basic principles, however, do not change. The first thing you must do is find a guide, someone who can assist you in uncovering the root of the problem. Before a physician, psychiatrist, psychologist or healer can treat a problem, it must first be diagnosed. In order to heal your subconscious mind, you must first find the causes of the problem. Once you have uncovered these causes, you can then find the solution. It's like spring cleaning--rooting through the closets and throwing away your mildewed old clothing.

Cleaning out your mind, however, is only the first step. You can uncover many dark secrets, sources of the wounds on your psyche. There are many mental healers who can help you do that. Unfortunately, some do not go any farther than that. While cleaning out your refrigerator you may find some moldy bread, but if you do not throw it out, your refrigerator will still be unclean. The same is true for your subconscious mind. It is necessary to uncover the incorrect and damaging things taught to you, but if you cannot forgive and let go of them, you cannot be healed.

Forgiveness is a crucial step in the healing process. When you hold onto the pain that someone inflicted upon you, you leave no room for health or love. That pain remains within you and festers like an abscess. If you cannot forgive, you cannot heal. Forgiveness is the same as throwing out the moldy bread. When you forgive, the hurt is no longer stored in your mind. You have surgically removed the cancer and filled in the hollow place that trapped all your hurts with healing.

First you must forgive the person who wronged you, and then you must forgive yourself. This can be a long process as there may be many wounds to cure. It becomes easier once you have begun. The hardest part is beginning.

One of the most important things to remember is that you are responsible for your life. It is certainly terrible what may have previously happened to you, or what is happening right now. But the past is finished and cannot be changed. The present and future belong to you, but only if you will accept responsibility for your life and actions. If you choose not to heal, then you allow those who harmed you to control your life. Every person has the innate power of choice. Many people grow up in poverty, but not all who were poor remain so. It is true that they have greater obstacles to overcome than those who were born wealthy, but it is by their power of choice that these changes come about, not where they were born. Many who were born wealthy end up poor as a result of inappropriate life choices. We cannot change what we were born with, or taught, but we can transform the direction of our lives through our life choices now.

Step two is developing your mind-body unity. We all have seen a martial artist in a movie, or a concert pianist at work and marvel at their skill. What attracts us to these people is their mind-body unity. They have centered their mind on a discipline and forced their bodies to follow in that direction, regardless of pain or exhaustion they might be experiencing. Those principles hold true for all aspects of our lives. We, as part of the creation, must center our minds on the creator, and inspire our bodies to follow that direction. The more we follow this pathway, the happier we will be. In conjunction with this, we must also serve others. Much of our life force derives from interaction with others. We cannot find true happiness alone. To quote John Donne, "No man is an island." To nourish our physical bodies, we need good food, water, air and proper exercise. To nourish our subconscious minds we need good information and good actions. All living things exist and grow through a process of give and take action. For example, for your body to properly survive, your lungs must take in oxygen and exhale carbon dioxide. If one side of the process is broken down, then you can no longer breathe and your body will die. To have the goodness in your mind alone blocks the proper flow of give and take, and is unhealthy for your psyche. You must share the goodness with others for proper mental health.

When you are in a difficult situation it is hard to think of others and what they may be experiencing. But you will find that the more you help others, the less overwhelming your own problems will be. This is part of the give and take process. When you give, you open yourself up to receive. If you do not give, you have no room to receive. And the more you give, the more room you have to receive.

That is not to say that you should neglect your problems. Too many women who are caught up in the "Battered Wife Syndrome" are also "Co- dependents." Co-Dependents are those who sacrifice themselves at the expense of their own health and well being.

There are two kinds of sacrifice. Healthy sacrifice overflows from a storehouse of love which you are able to share with others. Unhealthy sacrifice, however, drains your limited life force to feed others, and not necessarily for their betterment. It is a selfish form of sacrifice. Most people who are involved in the "Battered Wife" dynamic do not have a storehouse of love from which to serve. They generally embody the role of doormat, and find themselves drained by what they give. It is essential for your own well being to give only from love, not from anger or resentment.

The third element that is essential for proper balance is a care for the creation. Even if we are united in our mind and body, and we share our love with others, if we live in a polluted environment, we cannot find true happiness. We have a responsibility for our external, as well as our internal environments.

All of these elements, loving yourself and finding mind-body unity; serving and loving others; and loving the creation are the fundamental components for success. To break out of the "Battered Wife Syndrome" and find happiness, you must travel this road.

If you simply separate from your mate and retain your anger and resentment, those emotions will more than likely put you back into the same situation you are escaping from. The problem will follow you wherever you go, and you will find yourself trapped within the prison of your own hatreds and fears. Separation is only one step. Some of you may not want to do anything else. That is your decision. But be aware that finding another mate is not a permanent solution. Unless you can erase your fears, resentments and hurts, you are very likely to fall back into the same situation.

When you can free yourself you can also free others around you-- especially your family and friends. The hardest step is beginning, and it is not an easy road. But true happiness and joy lie at the end of this pathway, and the power to get there is in your hands.

Attain Growth and Security with the Principal Guaranteed Strategy

by Garry Barker

Many investors concerned about loss of principal sometimes avoid growth-oriented investments when building their portfolios. The result may be an unbalanced portfolio that does not help them achieve their long-term financial goals.

Whether you are saving for retirement or simply wealth-building, allocating a portion of your portfolio assets to growth investments is an important consideration in achieving investment success. Many investors are turning to the "principal guaranteed strategy" as a way to diversify their investments while achieving a balance between growth and principal protection.

How the principal guaranteed strategy works

The "secret ingredient" in this simple strategy is U.S. Government or government agency zero coupon bonds. By combining zero coupon bonds with growth-oriented securities, the strategy ensures the preservation of the original investment, when held to maturity, while providing portfolio diversification and the opportunity for growth.

What are the components which make up this strategy?

- Zero coupon bonds for principal protection: The principal protection portion of the portfolio is typically allocated to U.S. Treasury strips. Commonly known as fed strips, these zero coupon bonds are backed by the "full faith and credit" of the U.S. Government-the highest level of credit quality available in a fixed income investment. As with most zero coupon bonds, fed strips are offered at a deep discount to their face value and pay no periodic interest over the life of the security.* Instead interest accumulates at a stated rate, compounding toward full maturity value. When fed strips are held to maturity, the difference between the discounted purchase price and their face value represents the return on the investment. The key to using zeros in this strategy is that, because they are purchased at a discount, there will be funds left over to invest in growth securities.

- Individual stocks or mutual funds for growth: The growth portion of the principal guaranteed portfolio can be allocated to growth-oriented equities or mutual funds, based on an investor's financial profile and investment goals.

Building a principal guaranteed portfolio: a hypothetical example

As a hypothetical example, assume "Mrs. Reed" has $50,000 to invest from a lump sum distribution. With the help of her financial advisor, she structures a principal guaranteed portfolio using both zero coupon fed strips and individual stocks in the following manner:

Part A: Zero coupon bonds for principal protection. In her hypothetical portfolio, "Mrs. Reed" purchases a $50,000 face value fed strips to satisfy the zero coupon component of the portfolio. Because zero coupon bonds are purchased at a deep discount to their face value, she pays only $24,251* for the zero coupon bond portion of her guaranteed portfolio. Although no periodic interest is paid over the life of the fed strips, assume interest accumulates in this example at an assumed predetermined rate of 7.32%,* compounding toward full maturity value in ten years. As long as "Mrs. Reed" holds her strips investment until maturity (in ten years), she will receive back her $50,000, for a cost today of only $24,251.

Part B: Individual stocks for growth. Next, "Mrs. Reed" takes the remaining $25,749 from her $50,000 and invests it in a variety of individual stocks that her financial advisor recommends, satisfying the growth portion of the portfolio. She purchases a diversified portfolio of eight attractively priced growth stocks, which may have the potential to appreciate over the ten-year period.

Total cost

The total cost of "Mrs. Reed's" entire portfolio would be $50,000: $24,251 for the zero coupon bonds and $25,749 for the individual stocks. Regardless of how the individual stocks perform, "Mrs. Reed" will receive her original $50,000 investment from the strips (when they are held to maturity).

Depending on your investment goals and risk tolerance, a principal guaranteed portfolio can be structured to meet your specific financial needs.

An attractive strategy for retirement accounts.

For most investors, IRAs and 401(k)s will be their primary source of income upon retirement. When funding a retirement account to ensure a comfortable retirement, investors will want to consider investments which can offer (1) preservation of capital, (2) growth, and (3) portfolio diversification. Using the principal guaranteed strategy in a retirement account enables you to achieve these portfolio objectives on a tax-deferred basis.

*Although not paid out until maturity, interest is subject to annual federal taxation as ordinary income.

Note: Yields and prices quotes are for illustrative purposes only and are subject to change.

Are We Really Communicating?

by Don Sardella

International communications expert Sandy Robbins, of Landmark Education Corporation, recently told me that the most important point to understand about communication is that we don't. And yet many times, we think we do.

When we look at the fundamentals of our lifestyle, it's amazing to see how much of what we do is communication. Our prayer with God, the way we listen to Father, receiving and giving directions, conducting meetings, witnessing, lecturing, public speaking, doing business, etc. Given how much time Father himself invests communicating, I suggest we take a few minutes to ponder about this art.

Consider the following questions:

How can we listen to Father such that we inherit his heart, tradition and take action as God would desire us to take action?

How can we speak in a way that God's heart and message is recognized, appreciated and acted upon by our listeners?

How can we strengthen our communications skills in order to fulfill our God-given destinies as Tribal Messiahs?

There is no talent more important than the ability to communicate, which we can use to share our love and our lives. Heung Jin Hyung Nim once cited that 85-90% of problems in the world are problems of communication. He goes on to say that people have continued to disunite, deviate, divide and fight because of miscommunication or a lack of communication.

To look at it another way, as we become more masterful at the art of communicating, centered on the Principle, we can grow to become the source of 85-90% of the solutions for much of what troubles God and mankind.

Given this observation, what would it take to gain more mastery of the communication arts? To begin with, it takes an investment of time and sincere effort. Effective communication is much more than exchanging information. It takes time, skill and effort to learn to share important thoughts, feelings and ideas. It involves practices that may require the development of new habits and oftentimes the shedding of some old ones. This can best be realized through some form of well- planned, well-led training.

Why would such an investment be worthwhile? Simply stated, since the art of communication plays such a pervasive and powerful role, we can actually benefit every relationship we have or want, and anything we think, say or do.

With regard to our witnessing efforts and public relations work, we can:

* strengthen our abilities to win public trust;

* convey the sincerity and the message of our True Parents;

* enroll others in the vision and the value of Heaven's traditions;

* motivate people to commit to a life of faith and service to God; and

*continuously take care of those people and each other.

How can we further develop those skills and train ourselves? All new practices, habits and traditions are developed through a process of spaced repetition or recurrence over time. We are thus challenged to seek out, research and utilize the expertise of professional training. We can start this process through books, tapes, further give and take amongst ourselves (either informally or through organized sessions) or seminars conducted by training professionals.

Here's a couple of suggestions that you might find useful in the interim.

1) Communicating is a 100-100 proposition. Try taking 100% responsibility for what you say and check to see if your heart and message are being understood as you intended. Also, take 100% responsibility for what you listen to and hear. Ask questions for clarification if you're not sure that you received the heart and message that your speaker is working to convey.

2) Take twenty minutes a day for one week to do the following exercise with either your spouse, a friend or your central figure. Start with one person speaking for ten minutes and having the other person listen with their undivided attention. Then switch roles. Notice the difference that this exercise makes in your relationship. If you deem it worthwhile after one week, we recommend that you continue this exercise as a daily practice.

As you probably know, this article is just an introduction. It takes time, energy and effort to immerse ourselves in the communications arts. Our intention here is to serve as a catalyst for further research, discussion, action and results.

We at the Institute for Leadership Development are always interested to know how we can best be of service and support to you as Unificationists. Write with your comments, suggestions, questions or feedback, c/o the Unification News. Thank you.