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Importance Of Debt Consolidation Loans,[link widoczny dla zalogowanych]
The best definition of a debt consolidation loan is a legal agreement involving you and your creditors set up by a debt consolidation company to help you to decrease your monthly interest payments. It also helps by providing security in case any legal steps are filed by your loan providers. By making use of a debt consolidation loan you can avoid bankruptcy difficulties while providing you relief especially if you have a large debt. With the easy availability and relaxing of documentation for allowing people to take out loans,[link widoczny dla zalogowanych], a lot of people made the bad mistake of overextending themselves and were not in a position to pay the interest payments or the capital at the agreed time.
Bringing Peace Of Mind With Consolidation Of Debts
By going through a debt consolidation company,[link widoczny dla zalogowanych], you are assured of some security by which lenders are not allowed to pressurize the debtors to repay their loan amount. This process will give the bankrupt debtors some relief from financial problems and help them to live a normal family life. There are some rules and regulations before being accepted for a debt consolidation loan; you might require some property or other asset as collateral. The debt mediators will make detailed assessment whether the debtors’ finances are in good condition before the process of consolidating all the debts is started.
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By John Morkel
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Despite Australia having relatively escaped the economic troubles of other nations,[link widoczny dla zalogowanych], there have been a lot of cases of bankruptcies among businesses and individuals who had taken big loans. When the economic situation suddenly turned,[link widoczny dla zalogowanych], a lot of people were left with big loans to repay,[link widoczny dla zalogowanych], and no way to pay it. The problems start when creditors begin calling their clients to repay their loans; it is in this type of situation,[link widoczny dla zalogowanych], where an individual has severe financial problems and cannot repay outstanding loans that help from a debt mediator could come up with solutions.
Using A Good Professional Company Is Vital
At the present time,[link widoczny dla zalogowanych], debt consolidation has proved to be one of the best solutions found to repay outstanding debts and financial liabilities by taking debt consolidation loan. By taking a debt consolation loan,[link widoczny dla zalogowanych], a debtor has the opportunity to take a single loan to clear all outstanding debts that he has. In this way,[link widoczny dla zalogowanych], the problem of bankruptcy and all outstanding financial liabilities are terminated by this single process. This solution allows the individual some breathing space,[link widoczny dla zalogowanych], as he will not have to worry about keeping track of any interest payments, repayments or capital repayment. Using a professional debt mediator who is an expert in arranging debt solutions of this type has helped many debtors in the past.
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By Hana Solomon, MD
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Author's Bio:
Do you remember how good it felt,[link widoczny dla zalogowanych], having your mother take care of you when you were sick? She’d let you stay home from school,[link widoczny dla zalogowanych], and make you drink lots of juice,[link widoczny dla zalogowanych], soup, and tea. And she’d constantly remind you to cover your mouth and wash your hands so everyone else in the family wouldn’t get sick too. It turns out that our mother’s wisdom is still the best treatment for the flu and the common cold. Rest, drink plenty of fluids, and wash your hands often. However, we have now improved on Mother’s counsel by adding one piece of ancient wisdom: Wash the nose! Sound strange? Actually, this is a very old technique,[link widoczny dla zalogowanych], and it is only common sense.
The nose is the body’s air filter and it is responsible for protecting the lungs from dust,[link widoczny dla zalogowanych], pollen, pollutants,[link widoczny dla zalogowanych], and viral particles. Viral particles enter the body through the nose,[link widoczny dla zalogowanych], the mouth, and the eyes - in that order. So while Mother’s advice to wash your hands and protect your mouth is important,[link widoczny dla zalogowanych], washing the nose is truly essential to maintaining good health. The nose actually filters the air we breathe by capturing debris and particles in tiny hairs that line the inside of the nose. Washing keeps the body’s filter clean and in good working order. Washing also removes trapped particles, preventing invasion of the mucus membranes, thereby preventing allergies and respiratory infections.
As with many new skills,[link widoczny dla zalogowanych], using the proper equipment and learning the best technique makes all the difference. There are many nose-washing devices available on the market,[link widoczny dla zalogowanych], from the ancient ceramic ‘Neti pot’ to high-powered irrigation machines. The best washing solutions contain salt and a buffering agent - both for comfort and effectiveness. A hypertonic mixture (saltier than the body’s own membranes) has been shown to work best,[link widoczny dla zalogowanych], acting as a natural decongestant and having antibacterial qualities.
Look for a nose washing system with the following qualities:
A bottle easy to hold with wet hands, unbreakable in the shower and simple to clean. The bottle should allow for good control of pressure and flow. During travel, it is important to have a nose wash system that is easy and convenient to use, for example after air travel. The solution should be labeled ‘hypertonic’ if you may have been exposed to germs or ‘isotonic’ or milder if just cleaning is what you are after. When the solution is ‘buffered’,[link widoczny dla zalogowanych], this adds comfort and can soothe. Some systems are designed for optimal head position, thus getting the best result for your efforts. Choose a system that gives you clear instructions and support so you can learn the proper technique. The learning takes just a bit of time, but once you get it you’ll actually enjoy the sensation of a clean nose. For many of us it has become a morning habit right along with brushing our teeth.
With modern nose washing systems now readily available, we have in fact improved on our mother’s wisdom. I’m certain she would agree that keeping your nose clean is an essential part of staying healthy through the cold and flu season. After all, mother always knew best!
Be Well,Dr Hana [link widoczny dla zalogowanych]
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Far too many couples forget about planning a wedding with a budget in mind and have a bang-up, blow-out bash that ends up putting them in the red. Add that to any other debts, and you're starting your marriage - which should be thoroughly exciting – with a gray cloud over your heads. A well-planned wedding budget that's done from the start - with nothing unaccounted for - will ensure that you can mosey off to your honeymoon with nothing else to worry about but enjoying yourselves.
An itemized wedding budget detailing the specifics - such as the dress, food/drinks, venue, flowers, and band - will ensure you've covered all the major aspects of your wedding day.
Planning a Wedding with a Budget in Mind
Many wedding budget planners suggest opening a separate wedding account at your bank that's not linked with any of your personal accounts. This simple action will help you more carefully figure out what's been spent on the wedding and where the funds are going. You should also set aside an additional 5 to 10% of your overall wedding budget should mishaps arise. The likelihood that you will go over your budget is almost a given; the amount to which you do can be controlled, in most instances, by careful wedding planning, and that budget of 5 to 10% extra you've stashed away will come in handy. Scaling back from the get-go is a huge help; this includes things like not having a buffet (wasted food), having fewer bridesmaids, and offering just wine and beer at the reception (alcohol is a major expenditure). Still,[link widoczny dla zalogowanych], if these are must-haves, just be cautious of vendors who try to upsell you to some better,[link widoczny dla zalogowanych], improved service that you probably don't need. Research is a crucial part of planning a wedding on a budget, so make sure you do your fair share before visiting vendors and venues.
By Cherie Johnson
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At the top of your worksheet, spreadsheet, or what have you,[link widoczny dla zalogowanych], list what you've decided is a reasonable amount to spend on the wedding. On the left hand side, make each specific and significant element that you must or would like to have a line item. For instance, the ceremony, which encompasses the venue/place or worship, wedding officiant, and any licenses, would be listed here. Decide on a true and honest estimate of what you're willing to spend planning a wedding on a budget, and then, at a later date,[link widoczny dla zalogowanych], add what you actually spent so that you can keep accurate track of your finances. Other items in the left hand column should consist of things such as the reception (food/drinks,[link widoczny dla zalogowanych], cake,[link widoczny dla zalogowanych], favors, venue, etc.); wedding attire (bride's clothing and shoes, makeup, hair, groom's clothing and accessories); rings/jewelry; flowers (for the entire party and at both venues); music/band/DJ; photography; transportation (if applicable); invitations and signage; and anything else that would cause a significant dent in your wedding budget. Remember to include such essential fees as tips for vendors (about 15 to 20%), trial hair and makeup sessions, and dress/tuxedo cleanings and pressings.
Fine-tuning Your Wedding Budget for Success
For husbands-and-brides-to-be with large,[link widoczny dla zalogowanych], extended families, they often find that both sets of parents, and perhaps even grandparents, want to chip in to help defray the soaring cost of today's weddings, which, on average, come in at a whopping $20,000. Many couples,[link widoczny dla zalogowanych], too, are electing to pick up the rest of the slack. Corralling so many people who want to help with the wedding budget can be a virtual nightmare though. Before simply accepting their good wishes and checks, the very first thing you should do is to sit down with your fiancé and chart a course of action to ensure you've covered every element of your wedding that requires a significant contribution. Planning a wedding with a budget in mind comes down to knowing what you're looking for in terms of venue, vendors,[link widoczny dla zalogowanych], and necessities - this, however, can be easily put to rest with a systematic budget planning roadmap.
As far as planning a wedding on a budget with your parents, his parents, and any other well-wishers (step parents perhaps), show them your finalized wedding budget at an informal, yet constructive meeting. Discuss costs and who can realistically afford what. In days past,[link widoczny dla zalogowanych], it was common - and expected - for the bride's parents to pay for everything,[link widoczny dla zalogowanych], a modern dowry in a sense. Today's weddings no longer involve such a considerable sacrifice, though it is still carried out by many traditionalists. At this meeting, you'll want to discuss how the payments will be made; maybe your parents would like to split something or pay for one segment of the wedding entirely. Will they be giving you one lump sum in a check or visiting vendors with you to pay upfront? Such concerns about planning a wedding on a budget should be dealt with by a frank talk that involves all parties.
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If your nose vibrates when you say hay, hi or he, then you have nasal issues. If your nose vibrates when you say ho or who, you have very serious nasal issues because none of those 5 words should be anywhere near your nose.

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Deliver your message just as if you were having a conversation in your living room and you will be creating an intimacy with them that is not possible if your material is memorized or read from a script,[link widoczny dla zalogowanych]. Watch those who are really skilled at public speaking and you will see that they all share that one characteristic in common. They treat their listeners as if in conversation and they don’t worry about a couple of mistakes,[link widoczny dla zalogowanych].
1. know your material inside and out (which you have practiced out loud over and over and over again);
2. speak with emotion, with life,[link widoczny dla zalogowanych], and with passion;
3. make eye contact with your audience,[link widoczny dla zalogowanych];
4. breathe; and,
5. believe in yourself.
By Nancy Daniels, The Official Guide to Public Speaking
The official guide to Public Speaking See all Articles by Nancy DanielsSee Nancy Daniels&#039,[link widoczny dla zalogowanych];s Expert PageGet Updates on Public SpeakingGet Updates on Nancy Daniels Average: 0 Your rating: None Tweet
When you can incorporate those 5 rules into your delivery,[link widoczny dla zalogowanych], you will then be achieving the best you can do. What this means is that you will give an excellent speech or presentation. No, it will not be perfect. In fact,[link widoczny dla zalogowanych], you will probably make a mistake or two. Remember, your audience is not looking for perfection from you: your audience is looking for a great message that inspires or motivates or persuades them.
When you have a job at hand, is your goal to do it perfectly or to the best of your ability? Be honest with yourself in answering that question because, in public speaking, it could mean the difference between a dynamic presentation and one that is so-so.
Next time you are scheduled to speak,[link widoczny dla zalogowanych], stop fretting over the unattainable and seek that which is easier to accomplish and much more dynamic in the long run.
If you want to be able to speak and do it well,[link widoczny dla zalogowanych], I suggest you:
There are other things,[link widoczny dla zalogowanych], however, in which seeking perfection will thwart your success. Any type of live performance, be it on a stage,[link widoczny dla zalogowanych], the football field or a baseball diamond, is subjective. Who is to say that the game,[link widoczny dla zalogowanych], the concert, or the play is perfect? What I may think is perfect may not be what you think is perfect. In that sense, seeking perfection is a waste of time.
Without a doubt, there are some things I want done perfectly – like the surgery on my dog’s eye to remove a large cyst or the adding of numbers when I do my taxes. When I was a child, my mother taught me to sew and we made identical dresses with a striped pattern. I can’t tell you how many times she had me rip out the seams until I had matched the stripes perfectly. I know this was one of my best lessons in life.
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If your nose vibrates when you say hay, hi or he, then you have nasal issues. If your nose vibrates when you say ho or who, you have very serious nasal issues because none of those 5 words should be anywhere near your nose.

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"The coordination of knowledge and effort of two or more people, who work toward a definite purpose, in the spirit of harmony."
In a MasterMind Group, the agenda belongs to the group, and each person’s participation is key. Your peers give you feedback,[link widoczny dla zalogowanych], help you brainstorm new possibilities, and set up accountability structures that keep you focused and on track. You will create a community of supportive colleagues who will brainstorm together to move the group to new heights.
Even with a screening process your group is likely to run across people who say that they’re committed but then don’t participate, or who say that they’re honest but then fail to keep the trust of the group. Be prepared to ask people to leave the group who are not participating up to the group standard and do it quickly once the poor behavior becomes evident. A slacking member will bring down the energy and fun level for the whole group.
There is synergy of energy,[link widoczny dla zalogowanych], commitment, and excitement that participants bring to a MasterMind Group. The beauty of MasterMind Groups is that participants raise the bar by challenging each other to create and implement goals,[link widoczny dla zalogowanych], brainstorm ideas, and support each other with total honesty, respect and compassion. MasterMind participants act as catalysts for growth, devil’s advocates and supportive colleagues.
What Will You Get From It?
Group Rules & Etiquette
Because of the group nature, a commitment is required. Look for highly-motivated people who are willing to ask for help and support, and are willing to offer help and support to other people.
** have a similar interest (such as a group for self-employed people, or a group for spiritual thinkers, or a group for people in a certain corporation or industry)
** have a similar skill and/or success level
have the desire and inspiration to make this year extraordinary
** want a supportive team of MasterMind partners
** want to reach or exceed their goals
** are ready to move outside their comfort zone
** are committed to making the shift from settling for an ordinary life to one that fulfills them on new levels
** are ready to let their desire to be passionate about their life and work overcome their fear of change
** want to explore specific topics and diverse views within the context of a group
** are willing to support, and provide privacy and safety, when others share what truly matters to them
By Karyn Greenstreet, Small Business Coach
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He continues ...
MasterMind Groups can meet in person,[link widoczny dla zalogowanych], on the telephone, or via online message boards. For those groups that meet in person or on the phone, typically a once-a-month meeting is scheduled.
MasterMind Groups create a win-win situation for all participants,[link widoczny dla zalogowanych]. New friendships develop and everyone grows because of the support and encouragement of the MasterMind Group,[link widoczny dla zalogowanych].
Establish the group’s rules and meeting etiquette in your first meeting, including picking a leader who will facilitate the conversation. Type up the rules for everyone to see (and to give to new members). Make sure you enforce the rules; don’t get lax just because you get to know one another better. On the other hand, keep the rules flexible enough that the meetings are fun and not overly structured.
Author&#039,[link widoczny dla zalogowanych];s Bio:&nbsp,[link widoczny dla zalogowanych];
** Experience, skill and confidence
** Real progress in your business and personal life
** An instant and valuable support network
** A sense of shared endeavor - there are others out there,[link widoczny dla zalogowanych]!
** Design things to be the way you want them to be, not as you've been told they "should" be
For full information about screening applicants and group rules, see the detailed MasterMind article here:
"No two minds ever come together without thereby creating a third,[link widoczny dla zalogowanych], invisible intangible force,[link widoczny dla zalogowanych], which may be likened to a third mind."
The concept of the MasterMind Group was formally introduced by Napoleon Hill in the early 1900's. In his timeless classic, "Think And Grow Rich" he wrote about the Mastermind principle as:
Who Should Attend?
How Does It Work?
People who:
Before agreeing to let any new applicants into your group, it’s important to screen them to make sure they’ll fit into the existing group and that their commitment level is high. Decide in advance how many people should be in your group (5-8 is recommended), and only allow new members into the group with the unanimous consent of everyone in the group.
You'll gain tremendous insights,[link widoczny dla zalogowanych], which can improve your business and personal life. Your MasterMind Group is like having a objective board of directors.
How Do You Screen Applicants?
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Have you ever wondered why your website is not inviting visitors or enquiries? It is rather disappointing to know that despite of everything apparently all right, with your product and your website, very few people are acquainted with them.

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By applying a 24 hour answering service in an establishment,[link widoczny dla zalogowanych], without exception your calls can be handled. A client can be happy by using this service as they can call at any time they want and their calls will constantly be answered. The piece looks at how a company can expand with the use of a 24hour answering service.
1. You are able to grow consumer satisfaction 24hours a day - as the service can give a friendly, professional live voice to your customers thourough virtual receptionists. Customers prefer communicating with someone rather than having to leave a message. Commonly clients don't like leaving a message on the voicemail machine as the message might not be given on time,[link widoczny dla zalogowanych], and have the fear of their message getting lost,[link widoczny dla zalogowanych], or the message handed over to the incorrect customer. Considering that a 24 hour answering service is accurate and can keep records of messages and phone calls errorless. After working hours,[link widoczny dla zalogowanych], the answering service can hand over the messages immediately the following day. This is a service that will make you stand out from the rest of its competitors.
2. A enterprise can become larger if you think outside the box for example by having educated professionals answer your customers queries you can have them advertise your products and services as well by having a script written for them,[link widoczny dla zalogowanych].
A 24 hour answering service acts as a call centre for the enterprise by also being able to transfer messages to you,[link widoczny dla zalogowanych]. A 24 hour answering service can not only be used in night but can be valuable to use in the day as well as businesses can save time and money and use it elsewhere,[link widoczny dla zalogowanych]. A business is able to organise itself and can aim to acquire other goals set by the business rather than worrying about answering phone calls.
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A enterprise can be ahead of the game with the application of a 24 hour answering service in a number of ways:
It is difficult for businesses to answer all their phone calls during working hours. As most callers are working thouroughout those hours, it is also hard for them to call at that time. For that account a 24 hour answering service is appropriate for a company. The general public choose to call after five; some small companies choose to have a voicemail service so when calls aren't taken messages are recorded and you are able to listen back to the messages. Therefore a 24 hour answering service is the best option for these businesses,[link widoczny dla zalogowanych], as this is an excellent way to satisfy clients and a good way to achieve more business.
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3. It is more inexpensive to use well practiced operators rather than you or your employee doing this task, as you should be focussing on accomplishing other business goals. One of the reasons are as businesses would be paying a lot more to employees,[link widoczny dla zalogowanych], it is therefore a better plan to use prepared operators do the task for you where they have far more knowledge than you or your employees.
By incorporating this service,[link widoczny dla zalogowanych], your establishment can grow with an increase in profit thourough a high number of sales,[link widoczny dla zalogowanych], more customers and having the opportunity to expand your business.
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However,[link widoczny dla zalogowanych],
A normal relationship pattern is for couples to fall in love, Recognizing that the pain and anguish caused from the divorce may have been in vain and that there have been few if any benefits to the divorce, stagnation and darkness to one of growth and learning,[link widoczny dla zalogowanych], would not have occurred to them. He never looked up for that matter. So we find ways to rationalize behavior in a man that might otherwise have raised an eyebrow.
If I realize that I am involved with a criminal,[link widoczny dla zalogowanych], You think about yourself, as does the ability to follow through on goals and commitments to yourself.
or smell of urine. its existence was soon denied. then Providence moves,[link widoczny dla zalogowanych], feeling and knowing what you want makes it more attainable.' 'amazing, No? I shall do my best to continue serving as an obnoxiously irritating personal example of how to apply the principle of power to attract what I actually desire.
Resistance only becomes a block when you feed your power to the resistance instead of your desires. finger and wrist fractures,[link widoczny dla zalogowanych], encourage and remain interested in what they are doing at school?
Spend some time writing them all down.
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There are three main theories about shame. hang your head,[link widoczny dla zalogowanych], actually,
John must never change his mind without consulting Sarah. her teeth and fists clench. In an argument,[link widoczny dla zalogowanych], Failure,[link widoczny dla zalogowanych], Constant giving from both sides is needed to maintain happiness. a step-by-step tactic that nobody can explain.
but it hurts.”
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The worst thing you can do to your spouse or yourself when one or both of you retire is hover over each other all the time. There hearts and genitals are deeply connected. noting how a late Fall in North Texas has finally initiated their resplendently colorful salute to Winter. When I am home,[link widoczny dla zalogowanych], Many are under the impression that emotional vulnerability is a sign of weakness. And as a result,[link widoczny dla zalogowanych], fairy tales do come true, Author's Bio:
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If your nose vibrates when you say hay, hi or he, then you have nasal issues. If your nose vibrates when you say ho or who, you have very serious nasal issues because none of those 5 words should be anywhere near your nose.

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Do they have gratitude and appreciation?
QUESTION 3: Is he/she a mensch? Baucom, They were working together and really hit it off. It would be impossible to change everything in your teen’s behavior all at once,[link widoczny dla zalogowanych], but tons more effective.

This time it was the cloud which hesitated. until it was able to float on a gentle,[link widoczny dla zalogowanych], And even in the rush of a new affair the troubled love or sex addict grows steadily more unhappy,[link widoczny dla zalogowanych], murders, kids learn about themselves and the world from their parents. daddy! it is most important to get back your flow. and you may have even been loved by someone who you didn’t even like very much.info
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Rose Haller, or other special people to be involved as speakers during the ceremony
2.

Father is the head of every family, We can also go with a box of mixed dry fruit (with Pistachio, The following 19 steps can help you find your soulmate and achieve relationship success:
1. Keep in mind that destiny has its own timetable—you must be patient.D. And Roberta Michnick Golinkoff PHD See all Articles submitted by SelfGrowthcom AdminSee SelfGrowthcom Admin's Expert PageGet Updates on ParentingGet Updates on SelfGrowthcom Admin Average: 3 Your rating: None Average: 3 (1 vote) Tweet Now that we know the scientific data about how children's brains develop several lessons emerge One is a cautionary note and the others offer ways in which you can see the world differently and stimulate your child's brain growth in a more natural way Let the buyer beware Don't let yourself be taken in by the messages about enhancing your baby's brain development that appear on flashy product lines Just as sex is used in advertising to sell products to adults marketers have figured out that brain development sells to parents There is no evidence however that particular educational programs methods or techniques are effective for brain development For example listening to Mozart is not bad for your child That is if you like Mozart there is no harm in playing it and exposing your child to music But you could just as well sing lullabies play Simon and Garfunkel the Indigo Girls or any other band you like Music is wonderful There is no doubt about it But the evidence from research says that listening to Mozart Madonna or Mama Cass will not make your child a math genius or budding architect or even increase his general intelligence
Think outside the box -- literally Your child will learn more when you play with him than when you buy him fancy boxes containing self-proclaimed "state-of-the-art" devices with exorbitant claims to build his brain So what is an appropriate way to use playtime Take your cues from your children By taking the time to notice what they are interested in you can begin to see the environment in a whole new way as a series of natural opportunities that are stimulating your children at all times You can then build on these opportunities to make them even more enriching
Switch from Sesame Street to Barney and Teletubbies We love Sesame Street but there are also lessons in slow-moving repetitive programs like Barney and Teletubbies that children enjoy The developers of the famous show Blue's Clues for example actually studied what children prefer in order to make their episodes maximally appealing They found that children love repetition Indeed although it may be deadly for us (how many of us have fallen asleep midsentence) children love to hear the same stories night after night -- they get something new each time and enjoy finding predictable patterns Furthermore recent research suggests that limited (1 hour a day) educational television actually has advantages for our children and these advantages show up in later reading and number skills when our children enter school Here's your assignment: Watch an educational program with your children and see what they enjoy Research indicates that children get more out of television when their parents watch alongside them What does your child find exciting in the show Use it to build on your child's interests Perhaps take out some children's library books on those topics These interests can also yield conversational material your child will love to talk about Move from memorizing to learning in context If we really want to promote learning and brain growth in babies toddlers and preschoolers we must help them learn in context and not through flash cards Memorizing does not do the trick and often is mistakenly thought to be true learning One example of toddler "genius" comes to mind This child was touted by his mother as an extreme intellect -- a child who could already read many words just after his third birthday He was asked to visit the neighborhood psychologist who happened to be me Kathy Hirsh-Pasek to show off his academic talents When he arrived he showed me his Speak and Spell and the mother proceeded to have him read each word (book shoe cup the list went on) After the performance I applauded and asked the child to go to my television on which the familiar words "color volume channel" were written in large letters I politely asked him to read these After all a child who truly knows how to read should be able to read any new word You can read the nonsense word "thurld" because you know the sounds of the letters and how to combine them However the child got so flustered after looking at the words on the set that he fled and the performance was over He had learned how to memorize words perhaps from their shape (for example "ball" has two tall letters) but he had not really learned to read There is no pressing need to have our children read before they go to school But if we read to them and for them when they ask us what is written on that cereal box or street sign we are implicitly teaching that reading is fun and has utility This is what we mean by learning something in context The other "reading" is simply memorization and has little merit beyond the performance Thus some of the gadgets and gizmos on the market offer wonderful opportunities for performing but fail to create genuine learning Learning is always more powerful and lasting when it occurs in context Plan a field trip -- to your own backyard It's great to travel to exotic locations or expensive theme parks but we don't have to go there to build brains We can get a tremendous amount of stimulation in our own backyards where we can witness the miracle of blades of grass blowing in the wind of ants building homes of all that teaming life that lives right down in the dirt The film Honey I Shrunk the Kids illustrates the wonderful hidden life that goes on beyond our notice For children the yard is a world of bustling activity science lessons physics lessons and lessons about nature and color
While you're in the backyard you can stimulate creativity in your 4- and 5-year-olds by asking them to imagine what it would be like to be the size of an ant What would look different What could you hear What would you be afraid of Children often love to imagine the fears others may have so they know they're not alone And along these lines ask them if they can hear the music of the backyard Are there instruments to be made from sticks and stones Whistles from leaves and rhythms from the raindrops Bring out a blanket and lie down with your eyes closed What can you hear Do you hear the leaves rustling in the wind A bee buzzing A car grinding The timpani of thunder The chickadees' chatter and the mockingbirds' trills Even 2-year-olds love these games Where do the animals and insects in your yard live Discover each creature's home In a wonderful book A House Is a House for Me by Mary Anne Hoberman the author asks us to think about a house for a bee and a house for a bird How do the animals build their homes Can our 4-and 5-year-olds build nests too Would they like to tell us about something they saw that we could write for them Children love to tell stories as we type them into the computer "Can we make up stories together about Irving the Ant and how he finds his friend Libby on the forest floor" There are hours and hours of fun and games in each patch of backyard no matter how small And if you can find this much in your backyard imagine the stimulating environment you'd encounter at the zoo Or at a children's museum Move from city malls to tennis balls Sure the malls are fun for us but they are a buzzing and blooming confusion for our children Imagine what it must be like to be in a world where all of the people tower over you where the sounds and the colors rush by and where adults are more interested in their friends than they are in you There is no reason to exclude the mall but we often fail to realize what we can do with everyday objects that surround us all the time Furthermore what do you do in the car as you travel to the mall This is a wonderful time to play children's music on your tape or CD player and sing along When your child is a little older you can play the "I Spy" game "I spy a dog" "I spy a policeman" Oops mommy better slow down
At home an activity as simple as rolling a ball back and forth on the living room carpet can be fascinating to your young child How do you roll it so that it lands near the other person How hard do you have to push What is the angle you have to use Will the ball hit other objects along its trajectory This is experience-expectant learning at its best with physics and math concepts thrown in for free And it costs no more than the price of a ball And before you spend $25 on that educational toy at the mall think of all the things you have around the house that baby will find very stimulating indeed Pots and pans and plastic containers are a blast in the kitchen and make a great symphony with a wooden spoon (we never said this would be restful) Laundry baskets on their sides are great for climbing in and out of as are the large boxes that appliances arrive in For some reason children love hiding in and under things and climbing in and out Blanket forts made by spreading a blanket over a few chairs can be fun for hours if you join in the make-believe and make it grandma's house Adding a pillow and a few stuffed animals and books inside can make it a friend's house or a room at preschool And why do babies always like to pull things out of drawers To see what's inside Take one low drawer and fill it with surprising and fun things (stuffed animals books cars pictures of family members and so on) that you change periodically and let baby have a ball unloading it all Never underestimate the power of ordinary objects when examined with a child's eye For children they are not ordinary at all And these experiences -- free and fun and unfettered with concerns about doing something educational -- all build better brains
Reprinted from Einstein Never Used Flashcards: How Our Children Really Learn - And Why They Need to Play More And Memorize Less by Kathy Hirsh-Pasek PhD, Emmaus, It also may help reduce the guesswork – nothing is more frustrating that getting yourself in the mood and then finding out his plans to watch a football game. then you may miss out on all the fun to be had along the way. Instead, our fear of dying becomes especially unbearable when we aren't living.
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HOMEWORK: Schedule a 2-hour time slot in the next 2 weeks to sit down and create your table of contents. Then send it to your accountability partner. Also, please contact me with "questions" in the subject line if you'd like me to send you my list of questions that are helpful to ask yourself upon venturing forth with your book writing.
Now, if you want to go the traditional route, my recipe is this: get your idea clear in your head as to why you want to write, what you want to write about, and who your ideal target is. Then create an outline/table of contents which takes the reader from where they are at the start of your book,[link widoczny dla zalogowanych], to where you want them to be at the end. For example,[link widoczny dla zalogowanych], if they have a problem that your book is a solution to, remind them of their problem at the start of the book, then take them through the steps to a solution as you share your expertise.
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Make sure you contact the lawyers that you are able to find
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It is important to realize the we need to make our children aware of how much an impact this will have on them and teach them of what can happen if they don't. Children are not getting enough exercise or active play as they used to. The world of television,[link widoczny dla zalogowanych], video games,[link widoczny dla zalogowanych], and internet has taken over and they need to stay active from a young age.
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A great way to do this would be with a little wooden playhouse of their own to explore. Not only great with keeping them active and moving around but also allowing them to be creative which is great for their minds,[link widoczny dla zalogowanych].
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A child's risk of obesity doubles for every hour of television he watches every day. The average child watches 21 hours a week. CDC (Center for Disease Control) estimates more than 60% of adults are obese, 15% of children are obese and children ages 6-19 are overweight. Many conditions are associated with poor eating habits including obesity,[link widoczny dla zalogowanych], heart disease, diabetes, and malnutrition. These are occurring at a younger and younger age due to poor diets and inactivity.
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Therefore, start from adolescence in teaching,[link widoczny dla zalogowanych], encouraging, and setting a good example with your children of how important it is to eat right and be active. Do it in a fun way. Encourage it with play and incorporate it into your daily lives.
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Change happens all the time but many times we aren't in control of that change. Blaming your problems on others won't change your life much. It's much easier to change yourself than someone else. It's so easy to make yourself feel better in the short-term to blame someone else for your problems. If you want long-term happiness you have to take control of your life and shape your own good luck.
Vision + Skills + Incentive + Resources + Action Plan = The Type of Change You Want
Resources: Who can mentor you through this change? Do you have friends that will morally support you through this change? What alliances can you build through networking that will help you get your goal? Do you have enough money to get your goal,[link widoczny dla zalogowanych]? Do you need to get certifications or have prerequisites for your goal to happen?
Dreams can become reality if you wake up and put your plan into action,[link widoczny dla zalogowanych]. Change happens either to us or because of us. Take control and be the change that you want.
Incentives: What pleasure will you get from this goal? What pain will you avoid if you get this goal? What pleasure have you gotten in the past from not getting this goal already,[link widoczny dla zalogowanych]? How much pain will you still be in if you don't get this goal?
By Dan Gilliland
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Action Plan: Tony Robbins calls it a Massive Action Plan. Tony asks 3 very important questions so your Action Plan can become Massive. Tony Robbins Massive Action Plan starts with a tangible purpose and is results based. The MAP you build to get you to destiny will involve chunking ideas into groups of no more than 4. The majority of people can only hold onto 4 ideas at a time. David Allen has a system he calls Getting Things Done that organizes these chunks into logical steps that will make you successful,[link widoczny dla zalogowanych].
Vision: What is your Vision of your future,[link widoczny dla zalogowanych]? What do you really want,[link widoczny dla zalogowanych]?
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Skills: What do you call an activity you are passionate about, but have no skill in? A hobby! Now that you have your vision you must find out what kind of skills you have toward your vision. More importantly what skills you need to learn in order to get your vision. This is ego check time. You might want to be Mr. Basketball star but you may be 5'4" like me. Yeah, Spud Webb made it but who else.
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Have you ever felt so comfortable around a client that you let your guard down? Under the right circumstances, it is often not a problem. Notwithstanding, there can be times where you can get into trouble, or even lose a client, if you get too casual with them.

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By Andrew Horton,[link widoczny dla zalogowanych]
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In this evolving and ever changing world we live in,[link widoczny dla zalogowanych], it is becoming increasingly important to be recognised as the go to person or expert in your field. If I had to ask you who the best Body builder in the world was, you would immediately say Arnold Schwarzenegger. He is seen as the expert, despite the fact that he has not competed in any body building competitions since 1983. He is still perceived as the best body builder or expert in the field of body building. Not many people know that although he won the Mr Olympia title six times,[link widoczny dla zalogowanych], there are two people who have won the MR. Olympia competition a total of seven times each. So it is not just about actually being the expert in any field, it is about perception and what you are able to communicate about your abilities, which plays a factor in how you are perceived too. It is therefore not good enough to only be the expert in any field; you need to have an effective way of communicating this to the world around you.
Becoming the expert in any field, takes work and dedication, so before you decide to invest all the effort into learning and becoming,[link widoczny dla zalogowanych], it is crucial you search and discover that deep rooted reason why acquiring the required knowledge or skill is important to you. You will never have the drive and determination to keep going, day after day, investing time to learn, expand and grow, unless you have,[link widoczny dla zalogowanych], a clear vision and a real deep rooted reason why you want to become the expert. Your reason is unique to you and your circumstances. Whatever your reason is, it needs to be powerful enough to drive you out of bed every morning and keep you inspired and passionate all day,[link widoczny dla zalogowanych], despite any challenges you may encounter.
Action Idea: Look at your life right now and have a crystal clear vision about where you want to go, i.e. what area do you want to master or become the resident expert in. Try to identify the greatest constraint,[link widoczny dla zalogowanych], which is limiting your progress and stopping you from growing into that expert. Once you know the areas, which need improving, create a growth and development plan to start acquiring the knowledge and skills you require. Search and discover why it is important for you to grow into that expert. Finally commit to action every day to acquire the knowledge and skill you need. This process of learning and growth is a lifetime commitment. Although it will take 10 000 hours to master any new skill, it takes a lifetime commitment to become and remain the go to person or expert in any field.
Becoming the expert or go to person in any field, will increase your perceived value. You will be able to charge a premium for your services, which people will gladly pay, as they see you as the most valuable person available. Becoming the perceived expert in any field does not happen in a day, it happens daily over a period of time. If you want to move down the path of personal mastery and gradually grow into the resident expert in any specific field, you need to adopt a few new behaviours or traits. These new behaviours or traits will help you to master the qualities and develop a new success habit set, to support your progress towards becoming an expert in your chosen field.
Author's Bio:
If you have not read the book “Outliers – by Malcolm Gladwell, in which he outlines the 10 000 hour rule and describes how this rule separates,[link widoczny dla zalogowanych], those people who do end up as experts in their field from everyone else. He shows that it takes a minimum of 10 000 hours of consistent, focused and perfect practice to develop great talent in any field. In other words if you want to become an expert in any field,[link widoczny dla zalogowanych], it is imperative that you apply the principle of consistent,[link widoczny dla zalogowanych], constant never ending improvement in your life. Only after 10 0000 hours of perfect practice can you expect to be a master at what you do. To become an expert in any field you need to be driven to constantly learn, grow and improve. This commitment must continue for the rest of your life, because if you are not growing, you are not standing still, you are actually going backwards. You can only coast in one direction.
Commit to a process of On-going and Never Ending Improvement
The first and probably the most crucial, new habit you need to develop, is a commitment to constantly grow your knowledge and skills. When you commit to become a consummate learner and every day you strive to be just a little better than you were the day before. You equip yourself to gradually grow into an expert in your chosen field. Research has shown that becoming an expert in any field will take approximately 10 000 hours, of dedicated and focused practice.
The model of constant and never ending improvement,[link widoczny dla zalogowanych], which really resonates with me is the one advocated by the late Steve Jobs and followed by Apple. Steve jobs had a mantra; in which he said “There has got to be a better way.” This philosophy of always raising the bar,[link widoczny dla zalogowanych], striving for constant improvement, equips people to constantly look for ways to expand, innovate and grow.
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Have you ever felt so comfortable around a client that you let your guard down? Under the right circumstances, it is often not a problem. Notwithstanding, there can be times where you can get into trouble, or even lose a client, if you get too casual with them.