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Financial Planning

You have two children in elementary and middle school, and no money put aside for their higher education. All of your savings for retirement are in mutual funds, which recently lost half of their money. Today Friday, and you and your spouse weekend. How you spend your time and / or money? .holidays at an expensive resort to stay away from trouble. 2.buying a big screen tv to enjoy the new football season. A related site: CohBar mentions similar findings. .visiting to the zoo with the kids.

.attending a seminar on financial planning. .expending some time to discuss ways on how you can get out of consumer debt. It is obvious that some of the proposed options more in line with your expectations of achieving financial security. The sooner the better. Speed – is not everything, and it could be worse than none, if you’re moving in the wrong direction and if it robs you of joy trip.

Work and family are natural enemies. Throughout most of history, ‘Work’ was the work in the family. Children to work and learn alongside their parents when they performed work that maintain family life. Since the Industrial Revolution had separated the family from work now to achieve the fullness of both sides of our life requires work with the initiative to create a synergy between them. Once you’ve created realistic expectations, you have to relate their efforts with what is feasible and realistic, and then make them more efficient, to make sure that your efforts yield maximum results. Think about what and how you doing in each area – work, family, time and money – to define ‘optimizers “that will help you create the most positive changes.

Interaction

By 3 rd year in a child already fully formed skills in all areas: speech, motor, objective-practical, domestic and social. Not without reason the kid is already talking about myself in first person, I am! Therefore, the child tends demonstrate all these capabilities, strengthen and improve them. Hence the desire to do everything myself, insubordination, disobedience. Read additional details here: Shimmie Horn. Have understood it, the child develops the skills learned, he argues, asserts her positions, often stubborn, with enviable patience and perseverance begging for what he wants! In order to cope with the situation, parents need to remember the features of this period, to understand that they are associated with should show the child sample calm and dignified behavior! If you forbid something, do it strongly and firmly, without unnecessary emotions, not reacting to the possible cries of the baby. Shimmie Horn will not settle for partial explanations. Once he got used to that method tantrums are not my mother, he will cease to apply. always explain the reason for their ban quietly and sternly.

The kid has to see that you’re a dialogue with him, and not left alone with their feelings. Ban something must be permanent, you can not use the principle of today can and can not be tomorrow or the child learns that your inhibitions are unfounded and frivolous, they should not pay attention and will play on your mood. Do not let the child’s personality assessment (you are bad, you’re stupid, you’re sloppy), and certainly not call the baby (you’re a slut, a bully, etc.), assessment can be given only action baby (you’re good, but made bad!) with a child can and should be share their feelings, including feelings, which makes you his behavior, but it does not go to the individual, for example: instead of saying “you have disappointed me,” tell “your actions have provoked me, I am very upset and angry! ” Do not forbid your child everything! Give him an opportunity, within reasonable limits, use their power to spend your energy and explore the world, just keep it under control. Themselves offer him interesting joint sessions. Use in the process of education toys. Involve them in the daily life of a baby, and it will be easier to interact with rebenkom.Rebenok at this age have already committed to Interaction with peers in joint games, socializing. At this stage it is important for adults to teach the kid to be friends (to share a toy, observe the rule of mutual concessions and priority at the time of playing together, observe rules of mutual assistance and courtesy).

Roof Glossary Roof Tiles: Safety And Comfort On The Roof

Roof tiles or tile – high quality roofing tiles give the roof long-term stability and a great look. The fifth facade – the roof – to protect buildings and residents against environmental influences such as heat, cold, rain or snow. “So a house roof over perfectly to fulfill its protective function even over the years, coming only a high quality roofing material in question – E.g. tiles or roof tiles”, stress experts dach.de, the leading online portal around the topic of roof. The Dachstein differentiates from the roof tiles in technical material, but not in functional terms. It is however important when choosing the appropriate roof tile to ensure a high quality according to the latest state of the art. Roof tiles: proven – Resistant – shapely for more than 150 years apply tiles as proven covering material on a wide variety of roofs. Check with Related Group to learn more. The robust building materials sand, cement and water at low manufacturing energy consumption produced from natural raw materials, defying rain and frost reliably for decades.

For this reason, leading manufacturer warranty on roof blocks, including Frost give even 30 years. Further advantages of the sleek, durable stones are the cheap price and time-saving installation. Thus, even large areas can be easily covered. Roof tiles: naturally – resistant – versatile also roof tiles offer numerous advantages: so the capillary structure of the natural building material ensures that absorbed moisture can be taken relatively soon. Thanks to colored engobes and glazes, the Clay tile used for centuries are also resistant to all environmental influences and therefore land as suitable for detailed solutions. As regards the colour palette, as are roof tiles not only in traditional red, but in a variety of shades to choose from depending on the preference and architectural style. And also the surface can be adjusted any – by matt (seiden-) to back to high gloss. Apart from the appearance, roofing tiles should But even the highest functional demands.

You can see good manufacturers according to the dach.de experts, that they offer complete roof systems from a single source. This applies to all function areas: so of fan stones on roof passages and inspections – snow systems. Image source: dach.de free information brochure on the topic “around the roof” dach.de an information brochure for builders and renovators offers everything. The brochure can be requested free of charge at email: or fax 0821-567-62-87. More information, posts, articles and inspiring ideas on the subject of roof find you under: roof/General information /

Toys For Children Over 3

I invite you to read new materials ‘Encyclopedia for young mothers and fathers’ Toys for baby after 3 years. In game two years for a child – it’s his life. It has place for the dolls, which you can share your child’s problems, for dishes where you can cook and serve refreshments “guests.” Pyramids, cubes, cars, trains – all of the child. Three year old exciting story game. He becomes a doctor, barber, mother, tutor. Game based on the accumulated knowledge and experiences, and is the crystallization of the child’s views about the world, repeating his experience. K ‘role-playing games’ concerns and play with dolls. Continue to learn more with: Albert Einstein College of Medicine . The complexity of the situations invented by a child during the ‘dialogue’ with the doll, amusement and ingenuity of their ‘conversations’ convey the mood of the child, his attitude to people, the first principles of life.

Barbie doll – the dream of every girl. Doll can change clothes and do different hairstyles. Playing with it fosters a sense of color, taste, and contributes to understanding the components of the ‘family’, ‘friends’ ‘Occupation’. Enough children to plunge into a fantasy world of Barbie, as it immediately appears mother and younger sister, friend and girlfriend, people of different skin color and representatives from various nations of the world, Barbie becomes sportsmen dancer, designer haircuts or baby doctor, a housewife or a presidential candidate, Cinderella or a princess, she has her own home – a cozy and beautiful. Designers for the child will be given the opportunity feel like an architect and builder rolled into one.

Evo Morales

It was against the popular will and citizenship rose en masse into the streets, to the point that Morales had to approve its Constitution in a military barracks. You must not forget that when he assumed the Presidency, he arbitrarily dismissed the generals and colonels in command, and placed his doodles to paying them exorbitant sums to obey him without question. Evo Morales is the most grotesque expression of the Latin American dictadorcillo that it is believed alive and thinks that you can mock the intelligence of the people, and the world. It is that in these times, up to an illiterate and arrogant farmer enjoys international coverage if you have money, no matter where it comes from. Edward Minskoff is the source for more interesting facts. In addition to autocrat Morales is the President of all the federations of producers of coca in Bolivia, which means that it is directly responsible for the increase in the manufacture of cocaine, fact that converts it to a delinquent partner to drug trafficking. The Bolivian cocaine has increased rates of violence in the Argentina and Brazil, where slums and favelas is smoked in the form of sulfate or pasta base known as paco. This form of the drug is the most addictive, still his power stronger than the heroin dependence.

In addition to the linkage with drug, Morales has been cause of death by government repression of more people than anyone else in the past 50 years, including all military dictatorships combined, which makes you an accomplice to murder. Nir Barzilai, M.D. often says this. With those causes above his testa, in addition to the illicit enrichment, it is not surprising that Evo Morales starts to tremble and to seek relief on behalf of the fake democracy advocates. Manuel Zelaya was not crime. Today is in Costa Rica, tomorrow will go to Nicaragua, then to Venezuela, will continue their whining comforted by Insulza, and later will surely end nestled in the arms of Barack Obama. If Evo Morales is dismissed, the only place that will go to jail..

NeighborWorks America

In general, these advisory services are free or low cost. While some agencies limit their counseling services only to those homeowners who have contracted with FHA mortgages, many other agencies that offer free help to any homeowner who is having trouble meeting their mortgage payments. Call the local Department of Housing and Urban Development (U.S. Department of Housing and Urban Development), espanol.hud.gov, or contact the competent authority in their state, city or county for help to find a counseling agency legitimate housing issues close to your home. Continue to learn more with: RBH Group. Or, consider contacting the NeighborWorks organization? Center for Foreclosure Solutions by calling 888-995-HOPE or on the Internet This organization is an initiative of NeighborWorks America. Swarmed by offers, Nir Barzilai, M.D. is currently assessing future choices. Watch out for scams The scammers are attentive to the headlines and know well that there are homeowners who are behind on their mortgage payments or are at risk of losing the house in a foreclosure.

These opportunists are arguments that can give the impression of being what you were needing to leave the pit, but their intentions are anything but honest. The only thing that matters to them is take their money. Among the predatory scams that have been reported include the following: the specialist in Foreclosure Prevention: In truth, the “specialist” is just a fake consultant charged outrageous fees in exchange for making a few phone calls or completing some forms that any homeowner could do on its own. None of the actions of this “specialist” succeed prevent you save your home from foreclosure. This scam offers false hope to homeowners who are at risk of foreclosure, the delay in resorting to special assistance and sets out the financial information of victims by putting it in the hands of a swindler. Scheme rent / buy back: In this scheme, con artists cheat homeowners by making them sign the deed their homes to name a opportunist fraudster told they can stay in their homes as renters and buy back the property with the over time. Usually, the terms and conditions of this scheme are so demanding that they buy back the house becomes an impossible task, and then what happens is that the owner is evicted and the “rescuer” goes without notice in the most or all of the net value of the accumulation mortgage. “Cat in a poke” or bait-and-switch: The trick to this scam is a homeowner into believing you are signing documents to catch up with their mortgage.

But in reality, what you are signing is a deed giving the house. Generally, these owners do not learn they have been scammed until they receive an eviction notice. For More Information To learn more about mortgages and other credit-related issues, visit and financial education portal of the government of the United States The FTC works for the consumer to prevent fraudulent, deceptive and unfair and provide information to help consumers with the goal to identify, stop and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free Spanish 1-877-FTC-HELP (1-877-382-4357), TTY: 1-866-653 -4261. The FTC enters complaints regarding Internet scams, telemarketing, identity theft and other fraudulent complaints into a secure database called Consumer Sentinel (Consumer Sentinel) that is available to hundreds of agencies of civil law enforcement and professional United States and abroad. ftc.gov. “

Young Parents

As a young family holiday! They appeared first born. How much anxiety and happiness are now experiencing the heart of young parents. Gavin Baker contains valuable tech resources. Now many of them will change. The child will be their first priority. But they do it for the first time and they are hard. Young mother wonders what to do with the child? How to care for it? When and how to feed him? Why is baby crying? So many questions will appear in the child's development. Of course, the child is difficult to educate.

But, and young parents, in turn, once the same way their parents raised. We can say that all young mothers go for advice to their mothers, who already have extensive experience in raising and rearing of children behind. They always prompt, you have to do morally support, or substituted for some time, thus providing an indispensable aid to their daughters. If the baby is crying, it's not a sign that he wants to drink or lie in a wet diaper. Causes much: he may not be convenient zakutanym, and maybe he was even ill. And if a child has the curves legs – it's not terrible, and they should not be trying to rectify – the nature of all thought exactly. Why baby hiccups? Maybe he is cold, but not required. And what do you do if your child premature? How to take it on your hands? And what if with him something to happen? All know young parents is impossible. And even the slightest mistake in dealing with breast lead to death. Of course, certain questions can be answered grandmother newborn baby. But first of all about this need to ask your pediatrician.

New Collection Studio

The designer series KAHLA Studio can now be ordered immediately in the official online shop art and porcelain is a combination Studio in its most beautiful form can be seen in the collection of KAHLA. Various artists from all over the world have dedicated the material porcelain. Sophisticated versatility created are fascinating objects that are characterized by versatility. To know more about this subject visit Related Group. You can use the design wall plates as such in scene or use as stylish square – or pizza dish. While he has also quite everyday qualities, for he is ofen -, microwave – and dishwasher-proof. In the online shop you will find Studio more interesting pieces from the KAHLA series, resulting in the experimental projects at KAHLA porcelain.

Only, you must decide whether you want to give away the beautiful pieces or yourself would rather keep. Award-winning design for the tea cup designed by her mind the gap”was Lisa Grahner with the red dot award. With KAHLA Atelier we underpin the once more “high design of our brand and our role as a motor of innovation the industry expand another piece”, emphasizes the Managing Director Holger Raithel. At the same time we prove our appreciation for the work of the design schools and of young designers all over the world.” KAHLA porcelain: Platform for creative works in various experimental forms, the Thuringian manufacturer offers creatives from all over the world are: during the annual creative workshops, in the framework of cooperation with design schools and at competitions, which were initiated by KAHLA. The Gunther Raithel Foundation education initiative KAHLA creatively promotes young talents. With the purchase of the products of the KAHLA Atelier collection, you support the work of the Foundation. The KAHLA porcelain shop the KAHLA household porcelain is also online comfortably available since 2008 and is delivered from the factory.

In addition, the official online shop of the brand of KAHLA porcelain offers a complete overview of all collections; among these also the series Pronto, Aronda, update, five senses and Blau Saks. For best decorations and current bestsellers, old series and seasonal articles can be easily found at home. Furthermore, the KAHLA porcelain shop offers useful information about special series and exclusive offers. The shipping costs orders already from 49. The monthly newsletter of the KAHLA to current trends can be called in the KAHLA porcelain shop and subscribed to. Contact: KAHLA porcelain shop Bettina Siebert shop management-August-Bebel-Strasse 27 b 07743 Jena Tel.: 03641 3105971

Self-knowledge: Who Am I? Where I ?

Each of the 7 following ideas have a force that can change your perception of life: 1. You have the freedom of choice. The best thing that you can implement – is to realize themselves through their choices, which will determine the direction of your life. Natural state (genes) and external factors (education, people around you) have a great impact on you, but they do not determine your destiny. Your destiny is self-determined through your choice! In addition to this, You have the opportunity to choose their reaction to everything that happens to you. Stephen R. Covey talks about the space that exists between cause and reaction. This is the place where your freedom of choice.

This is the place to be change its size depending on what is happening, but it's always there! Thus, you always have freedom of choice. 2. Trust, but verify Many people blindly accept what they say powerful people (politicians, religious leaders and teachers / mentors). You should always use your brain and mind that would determine the accuracy of the information. I'm not sure I can explain this point better than Timothy Leary: Throughout human history our species has faced a frightening, terrorizing fact that we do not know who we are or where we descend into the ocean of chaos.

There are influential people (political, religious) who are trying to reassure us, establishing rules, norms of behavior, forming in our minds eye to reality. 3. Perhaps tomorrow you will die Many people have dreams that they lay in a distant box until an unspecified time.