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Dad, Give Your Kids the �N� Word 2008-01-06 04:29:00 What's your main purpose as a father?Isn't it to prepare your kids to be happy, healthy, successful people in their own lives?What's the best way to do this?One effective method of preparing them for their own lives is to give them a heavy dose of the word that not enough kids are getting today. That word is the �N� word, or the word no.We all deal with a certain amount of frustration in our everyday adult lives. We are frustrated at our jobs, in our relationships, and by circumstances that we have no control over. Over time we learn to handle frustration better and to turn it into challenges and opportunities that we work through.People who can handle frustration successfully tend to have happier and more successful lives. They learn to be resilient and to appreciate what they've acco
Credit Card vs. Debit Card - What Are The Differences 2007-12-16 07:22:00 Ah, the �good old days�. If you are a baby boomer, like me, then you probably remember how important it was to rush to the bank on payday. You had to get there before the teller lanes closed so that you could have your �cash allowance� for the week. Otherwise, if you needed cash you had to write a check, then go to the bank, and �cash� the check for real cash. Fortunately the days of the mad rush to get cash from the bank are long gone. We now enjoy the convenience of using a nearby automatic teller machine (ATM) or you can even get �cash back� at your local grocery, hardware or convenience store.The card you use at the ATM is known as a debit card. When debit cards first appeared it was easy to tell them apart from credit cards. Debit
cards didn't have a credit card compan Read more:Credit Card
Cost of Living Analyses 2007-12-16 02:01:00 If you've ever moved from the Midwest or the South to either coast, you realize just how different the costs of day-to-day living can vary among various U.S. cities. Many transplanted families pursue cross-country moves with the knowledge that their new hometowns will be more expensive. And many employers recognize that impending cost-of-living increase with a "cost-of-living allowance" -- a slight raise in salary so that an employee may maintain his or her current standard of living without having to tighten the purse strings upon arrival. Nevertheless, no matter how prepared you think you are, you are in for sticker shock, Your grocery bill suddenly increases dramatically ... and yet you haven't bought anything out of the ordinary from your usual fare. You can spot disparities in the sim Read more:Living
Contract Workers Needed 2007-11-25 04:08:00 PHILIPS CONSULTING AND RECRUITMENT COMPANY, 19 ADEOLA ODEKU STREET, VICTORIA ISLAND, LAGOS. NIGERIA. TEL: 1-3473288862 E-mail: philipsconsultingrecruitment@yahoo.com From the Desk of Mr. James Robert ATTN: Philips Consulting And Recruitment Company, pursuant to the service contract with Nigeria Oil, Gas, Petroleum Companies intends to Invite experienced and reputable persons having prime experience and capable of providing building and ground maintenance support services (as individuals or in a team). You are liable to contact The project Co-Ordinator of Nigeria National Petroleum Corporation (NNPC) for any confirmation from (N N P C) in regards to the project at hand through as follows: theprojectcoordinator@hotmail.com or the_projectcoordinaor@yahoo.com. The ideal candidates will have c Read more:Workers
Coin Collecting: Attention Kids: Three Steps To Starting A Coin Collection. 2007-11-24 19:17:00 (NC)-First of all, look around for coins - any coins - and put them in a safe place. A good spot to find the first coins for your collection is right in your pocket. You might find some of the 25-cent coins that the Royal Canadian Mint made for the Millennium. Or the special 50-cent coin commemorating the Golden Jubilee of Queen Elizabeth II. Maybe your parents or grandparents have some loose change they could spare to help you start. Here's another idea: Take your allowance to the bank and buy a roll of coins, then keep the ones you need for your collection. Or check out the newest and coolest coins at the Mint's website (www.mint.ca/en/RoyallyCool/FunFacts) and start your collection with some 'Royally Cool Money.' Whatever you decide, make sure to keep your coins in a safe place - like i Read more:Three
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Coca leaves are not the same thing that Chloridrate of Cocaine 2007-11-24 02:51:00 IS THE COCA LEAVES A DAMN HERBAL OR A BLESSED PLANT Natural Herbs for a long and healthy life. By Paul Ramssauer The Incas discover the coca medicinal and magical properties 2,000 a.c., but the large industrialized nations found other applications for the coca leaves
that have nothing to do with beneficial applications for the human being. The coca plant is essentially a medicinal plant per excellence, whose preventive and therapeutic properties have demonstrated their effectiveness throughout time. Erythroxylon is the botanical name of the coca herbals and there is a full in deep study made by Antonio Brack Egg a Peruvian scientific biologist who devoted more than twenty years studying Peruvian native plants under the financial support of the United Nations Development Program and CBC (Ce Read more:Cocaine
Children's Allowance 2007-11-03 19:40:00 When we consider that the word allowance means, �allowing for,� it puts that �A� word into better perspective.Children
will need access to their own stash of cash when they reach a certain age. Kids develop this need around age 8 or 9 and it grows into the monster it will become by about age 15 or 16 ... they do get more expensive with age, don't they? At age 8, we began giving our older daughter money for each A on her report card and for each 100% on tests. We receive flack from other parents about it to this day. Mainly, their argument is that children should do well in school because they �want to.� Is this the same as �just because?� Sounds like it to me. I think parents are afraid to reward their kids for good grades simply because they feel this will set a bad exampl
Caring in My Sister's Way: A Lesson On Judgement 2007-10-20 09:56:00 Last summer, I had an acute case of bronchitis. I was downright bummed. Summer for me meant sun, sand, sea.a gazillion trips to the mall or to my friends' houses, or to another province. I was supposed to exhaust every excess fat on my calves, thighs and belly to hours and hours of fun. Instead I was stuck in the house, stuck with bronchitis.I didn't have a night's worth of sleep since my cough attacks chose to antagonize the peaceful slumber of the entire household.My sister, a sub-zero in the sensitivity department, would grumble about people not having enough sleep and that I should take dear old doggie's job.I wanted to cut off her oxygen supply. Bummer. I didn't even have the voice to put her to place, only an ancient queen's glare which, unfortunately, didn't work.Thank God for the g Read more:Caring
Calcium And Pregnancy 2007-10-20 09:52:00 Studies show that most women do not get enough daily Calcium
. And many pregnant women do not realize that the typical prenatal vitamin only contains 4-20% of the RDA of Calcium. Calcium is essential for strong teeth and bones, muscle contractions, nerve function and blood clotting. Calcium-deficiency results in decreased bone density (which in turn leads to osteoporosis and increased bone fracture risk), hypertension, preeclampsia, and increased cavities. There is also clinical evidence that correlates Calcium-deficiencies with preterm deliveries, low birth weight babies, high blood pressure in baby and cesarean sections. Our bodies cannot produce Calcium, therefore we must consume it. The Recommended Daily Allowance of Calcium for pregnant or, breastfeeding women, is 1,200 mg. Good source Read more:Pregnancy
BODY AND SOUL - KEEPING IT TOGETHER! 2007-10-20 09:50:00 BODY AND SOUL - KEEPING IT TOGETHER! LET'S START WITH THE BODY . . . H E A L T H It is said that the first thing a man does when he wakes in the morning is to look out of the window to see how the weather has changed overnight, and the first thing a women does on waking is to look in the mirror to see what the night has done to her face. Enough said ... but if your look in the mirror is followed by 'Oh, my God ... I could do with a face-lift, etc. etc.' (don't worry, we've all been there) before you start layering on more make-up and deciding to embark yet again on another diet/exercise regime (which will probably have been forgotten anyway by the weekend), let's stop wishing, and start by trying to make the best of what we have got. We may not be able to recapture the healthy glow of yout
Blair bribes parents and children into higher education 2007-10-20 09:26:00 It would seem that the media mania over the cost of an education is finally paying off, with the UK government taking increasingly strong measures to maintain the current level of school leavers moving into higher education. According to the Times Higher Education Supplement, 48% of teenagers believe it is too expensive to go university, hence the creation of two government schemes designed to distract students from fees, loans and debts, generated at university.There are two schemes offered by the government which could lighten the load of financing an education:1) The Child Trust Fund (CTF)Child Trust Funds are long-term tax-free savings and investment accounts into which the Government will pay 'endowments' when a child is born. A further payment of an undisclosed amount will also be pa Read more:Blair
Bankruptcy - All About Chapter 7 Bankruptcy 2007-10-20 09:14:00 The most common type of Bankruptcy that is filed for is Chapter
7 Bankruptcy. This is a liquidation bankruptcy rather than a reorganization bankruptcy. This means that assets will be sold to clear the debt or debts. It starts by the person in debt listing their assets. With Chapter 7 Bankruptcy the debtor is allowed to keep what is called "exempt" property. Examples of exempt property are -a certain amount of home equity -a small amount of vehicle equity -small allowance for clothing -small allowance for other personal items. The value of these exempt properties differs depending on what jurisdiction you file for Chapter 7 Bankruptcy in. A trustee will be appointed who will gather the debtors assets ready for sale. The proceeds will then be distributed to creditors according to priority. E
Baby Shower Gifts - Perfect Gift For A Mad Mummy And Daddy 2007-10-20 09:10:00 There are many different ways of celebrating a new baby on the way the options are endless. It is the holding of a shower party which is the most popular where guests bring along baby shower gifts for the mother-to-be. All presents are normally items that mother and baby need thus helping the new parent in raising the baby. Looking for ideas on what to give will not be a problem but what you have to remember when buying baby shower gifts is, it is not about you and your likes and dislikes. The new mom-to-be may not have the same opinion on what you see as pretty or not. Stick with the essentials and you can not go far wrong. By doing this you know that your baby shower gift will be truly appreciated especially if it helps towards reducing the new parents cost allowance in raising the baby. Read more:Baby Shower
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Are You An Impulse Buyer? 2007-10-20 09:03:00 Impulse buying is simply defined as making an unplanned purchase. This can be an extra pack of cookies when grocery shopping or buying a car on a whim. Most of us are guilty of this at one time or another. Even though the term is simple, it probably accounts for the majority of money problems family's have. Planning a purchase of any kind is absolutely necessary if you intend to use your money wisely. That extra pack of cookies I mentioned isn't going to break your budget, but with the prices of groceries today, it doesn't take too many items to put a dent in your grocery allowance. However, buying a car without prior planning can get very expensive. Besides the obvious things like finding the best purchase price and interest rate, down payment, money for taxes and license, etc Read more:Buyer
A Single Parent Finds A Way To Teach Her Kids About Being "Savers" vs. "Over-Spenders" 2007-10-20 08:59:00 As a widowed/single parent, I wanted to find a way to financially educate my children and to teach them to be savers first, not over-spenders. Like most children, mine would immediately start whining about wanting everything they saw in the stores and begging me to buy those things. So I decided to start giving my children an allowance to minimize the "I want monster" when we go to stores. But, not just any old allowance! I explained to them that each week I would give them their allowance, but not in the form of cash... but a check. We would go to the bank each week, fill out a savings deposit ticket (which they do, I supervise) and deposit most of the check. They need to give $1 per week in the offering at church; they would also need to deposit, at minimum, half of the check. The remain Read more:Spenders
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8 Steps to Financially Intelligent Parenting 2007-10-16 08:35:00 What you say and do about money has a profound influence on your child. There are money moments every day that you can use to teach your children important skills and lessons about life. But what to say or do isn't always obvious. Is it a good idea to pay for chores or grades? How do you help your child develop a work ethic? How do you structure an allowance to help your child learn to make choices? Why is involving your children in charity so important? Jon and Eileen Gallo, experts in the fields of children, psychology and money,provide parents with eight key behaviors that will help them raise financially responsible children:1. Encourage a work ethic Work ethic is a learned behavior, and parents are the best models to teach kids to acquire it. If you want your children to work hard and Read more:Parenting
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7 Secrets to Having a Financially Healthy Family 2007-10-16 08:15:00 How many times have you replied "We don't have the money for that" when your child asks you to buy him something? His innocent reply is "Get some from the machine or the bank". You think to yourself, "If only it were that easy". Managing money is a tough concept for children to grasp, and sometimes equally as challenging for parents. In order for your children to develop healthy money habits to take with them into adulthood, you, as their parent, must manage your money wisely and be diligent about teaching the concept of money to your children.So what are the secrets to having a financially healthy family? I had the pleasure of talking with my dear friend Thea, who happens to be a financial planner for A.G. Edwards, and an expert at managing money. Together we compiled 7 secrets to having Read more:Family
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4 Easy Allowance Answers to What, When, How 2007-10-09 10:20:00 What do good schools and well thought out allowances have in common? Both teach your child a vitally important life skill: reflective thinking. Kids are naturally impulsive. Learning how to reflect before making a decision – learning to think in terms of choices, alternatives and consequences -- is a great life skill for kids to learn. Stanley Greenspan, M.D., one of the country's leading child psychiatrists, says that children who develop the ability to think in terms of choices and consequences are likely to grow into teenagers and adults who “can solve problems and assess and evaluate their own impulses and desires.” Teens and adults who never develop this skill are “limited to their immediate and often impulsive reactions to events.”What do we mean by a “well th
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