Permanent change of xterm colors

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http://chakra-project.org – Hi,Don't you know how to change the colors of xterm permanently ?I created file .Xresources in my /home/USERNAME and when I run "xrdb .Xresources" and start new xterm it works. But I would like to do it permanently. I tried to edit file /usr/share/lX11/app-defaults/Xterm-color , but it does work.I tried to add line "xrdb /home/USERNAME/.Xresources to /etc/rc.local , but does not work.Thanks for help. (HowTos)