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By Nelson Berry,[link widoczny dla zalogowanych]
See all Articles by Nelson BerrySee Nelson Berry's Expert PageGet Updates on ParentingGet Updates on Nelson Berry Average: 0 Your rating: None Tweet
4. Be a better parent from within. Parenting is an art, and you need some important skills to be good at it. Even then, there are factors that are beyond your control, so you also have to trust your instincts. But how can you be sure that your instincts are to be trusted? After all,[link widoczny dla zalogowanych], there is far too much at stake,[link widoczny dla zalogowanych], like your child’s future,[link widoczny dla zalogowanych], to just blindly go along with nothing but your gut.
1. Set the right expectations. The first thing to do is to set the right expectations from yourself. Don’t expect yourself to be the perfect parent because there is simply no such thing. It is alright for parents to make mistakes. Being a parent is a process that requires constant learning and sometimes,[link widoczny dla zalogowanych], re-learning. What you used to know and what used to work may not always work, especially when you’re dealing with different kids.
Well,[link widoczny dla zalogowanych], you can make your parental instincts more trustworthy by reprogramming your subconscious mind. Your instincts come from your subliminal mind, so if you consciously program your subconscious mind, you also indirectly program your instincts, however far-fetched that may sound.
Here’s the real deal on what it takes to become the best parent you can possibly be.
Here are some subliminal messages you can work with:
2. Eliminate the fear. Parenting can be a challenge but you should never face it with fear. Fear can make you do funny things. If you fear being a parent, then you won’t have the right mindset, which means you are more likely to make mistakes or make rash decisions. Don’t pressure yourself to always make the right decisions and to try to play by the book at all times so you won’t make mistakes. There is no such thing as playing by the book in being a parent since you are dealing with the very unique personality of your child.
Keep on praising and encouraging them. Reserve your criticism, negative feedback, and all the scolding for when they actually do need it. Some parents tend to make a habit out of criticizing and pointing out faults in their kids. They may mean well,[link widoczny dla zalogowanych], such that they want their children to improve, but making a habit out of doing these negative things can be destructive for their kids in the long run.
As a parent, how would you rate yourself? Parenting may yet be the greatest challenge in any person’s life. Even parents who’ve had children before don’t always know what to do. Being a good parent isn’t about memorizing rules on what to do in certain situations. There is no one common and perennially effective solution to the problems parents face.
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By The Pioneer of Subliminal Messages Online.
Good parenting comes naturally to me,[link widoczny dla zalogowanych].
I make decisions wisely.
I have my children’s best interests at heart,[link widoczny dla zalogowanych].
I am open to learning as a parent.
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I understand my children,[link widoczny dla zalogowanych].
3. Stick with the positives. Instead of being afraid,[link widoczny dla zalogowanych], why don’t you just stick to the positive side of being a parent? Eliminate all the negatives in your mind. Instead of looking at your children’s shortcomings and how you can get them to improve, look at your children’s strengths and talents and focus on how you can further develop them. Use positive reinforcement instead of negative.
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Established consultants with a high level of expertise tend to be widely published online and in other publications. Consultants who are experts in their field are frequently sought after to provide bylined articles for reputable websites and magazines and are often quoted in news stories and background pieces. Many consultants have written books on the field of HR and/or their areas of specialty, and are frequently scheduled for speaking engagements at professional associations. Conducting a simple online search can help you determine how widely published a particular consultant you are considering hiring is.
2. Verify Significant Work Experience
5 Tips for Selecting an HR Consultant
To have the skills necessary to provide high-quality human resource consulting services,[link widoczny dla zalogowanych], an individual should have significant work experience with increasing levels of responsibility demonstrated over time. There’s no way to get the knowledge required to provide HR consulting services without having been in the position of having to make – and deal with the consequences of – high-level decisions about policy, procedure and law in a business environment, as well as having been “in the trenches”, working with employees and supervisory team members, on a daily basis.
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If you are bringing in an outside consultant to provide issues or guidance on matters of significance, look for someone who holds a Senior Professional in Human Resource Management (SPHR) certification. When you select a consultant with this credential,[link widoczny dla zalogowanych], you can be sure that the person you are hiring has knowledge on all key aspects of HR at an executive decision-making level,[link widoczny dla zalogowanych], and that the individual stays current with what is going on in the field by keeping up with continuing education requirements. You can verify that an individual holds a valid certification at HRCI.org, the official website of the HR Certification Institute.
Human resource management is a broad area. When you bring in a consultant,[link widoczny dla zalogowanych], chances are that you need help with one or more specific projects. If you need help developing an employee handbook, you need to work with someone who has an extensive knowledge of employment law,[link widoczny dla zalogowanych], policy development and management. The perfect person for this type of project might (or might not) also have the skills and expertise required to help you improve your employee benefits system,[link widoczny dla zalogowanych], audit your I-9 files or identify the best human resource information system (HRIS) for your company. Look for someone who has expertise and experience specific to your needs.
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3. Select a Widely Published Consultant
By Mary Gormandy White, M.A., SPHR
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Good sleep is one of the most important contributors to physical and mental health and wellbeing. Poor sleep can ruin your life. If you don't sleep soundly and wake refreshed, you need to check out these key points:
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4. Make your bedroom conducive to good sleep. Your bedroom should be well-ventilated, clean and free of clutter, and as dark and quiet as possible. Here's your action plan for your bedroom: Take all small items out of the room, vacuum the room thoroughly, thow away any junk, and put as many small items such as clothing or books away in wardrobes/bookshelves. Then ensure your curtains/blinds are thick enough to block out all light - pitch darkness is a great sleep aid. If you've ever been lucky enough to sleep in a five star hotel, you'll know what I mean.
Do you see a good night's sleep as one of the most important things in life?
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These easy cash helps are guaranteed to solve your monetary problems by offering a range that starts with pound 100 and goes up to pound 1500 for borrowing.By patrik k See all Articles by Patrick RosenbergGet Updates on Legal ServicesGet Updates on Patrick Rosenberg Average: 0 Your rating: None Tweet Different varieties of criminal expenses are necessary to take care of correctly and this also are some things that may be likely from a West Palm Beach Criminal Defense Lawyer Constantly lend him a person the ears,[link widoczny dla zalogowanych], come on their office,[link widoczny dla zalogowanych], then trim it down. That way, when you pass up an opportunity for a form of payment, Take this one great step and the world would be at your feet.
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The survey found Hongkong on 17 November, / HSBC
in the evaluation,[link widoczny dla zalogowanych], Hongkong remains one of the world's oldest areas, but the people of Hong Kong in the ready to retire but compared to other western countries have problems,[link widoczny dla zalogowanych], of which only eleven percent and twenty-nine percent of respondents worked with the bank to discuss or advisory friend. The survey also found that, almost half of respondents expect to stop working after retirement, enjoy life.
Hongkong "Daily" report,[link widoczny dla zalogowanych], the survey conducted in September last year, including four continents ten countries and regions more than Yibaiyiqian adults, accounting for fifty percent of the world's population.
HSBC appointed by research firm Age Wave Consultants Co chairman and CEO Ken Dychtwald said yesterday, all the respondents to the population aging and retirement hold different attitude, developing and developed countries or regions also have different views on life after retirement.
report shows,[link widoczny dla zalogowanych], the United States,[link widoczny dla zalogowanych], Britain and Canada respondents generally think,[link widoczny dla zalogowanych], they shall bear their retirement costs, including Canada has sixty-two percent and thirty-five percent of respondents have Advisory Friend and retirement plans to discuss with the banks; however, the relevant data in Hongkong is only eleven percent and twenty-nine percent.
report points out, Hongkong only fifteen percent of the respondents in private pension plans, but the United States and Britain are fifty-two percent and forty percent, show the people of Hong Kong in the ready to retire work still has developed country for less.
in addition,[link widoczny dla zalogowanych], he said,[link widoczny dla zalogowanych], the global definition of old age began to change. More and more people to retirement and old age as a new life began to open a new chapter of life and "opportunity". He pointed out that, in most developed countries, including the United States, Canada,[link widoczny dla zalogowanych], Britain and France, more than 50% of national think retirement is not wandering life, but with second degree life of work and leisure.
however, similar view only three into the five people agree, but is 50% of people expect to enjoy a peaceful life in retirement,[link widoczny dla zalogowanych], don't want to go to work and toil. He explained, Hong Kong people working for a long time, the pressure is higher than other countries and regions, so their expectations in the life of hard work, to enjoy the happiness of a family union, health and wealth.
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If you want further proof of how expensive owning a new car can be,[link widoczny dla zalogowanych], or how much you can save with a used car, visit the [link widoczny dla zalogowanych] Web site. Once there, click on "True Ownership Costs" on the home page, which will take you to the "True Cost to Own," or "TCO," section. You'll be able to select a car model and see the estimated costs of ownership for five years, depending on the state in which you live. You can also, with some minimum calculations, see the advantage of buying a late-model used car.
Putting all the cost elements together, figure 8 shows how Edmunds comes up with the $35,073 that it costs to own a $22,[link widoczny dla zalogowanych],069 car. Depreciation is the killer. While Edmunds rates the operating costs of that specific model as average, its depreciation is above average. In fact, the car's value plummets by $8,461 in the first year alone. By the fifth year, its value will drop by only $1,312. Maintenance and repairs will rise as the car ages and depreciation drops, but it's not an even match--not even close.
THAT FIRST YEAR IS EXPENSIVE
· Depreciation is the amount by which a car declines in value from its purchase price. As we saw with the Dobbins Volvo,[link widoczny dla zalogowanych], most depreciation takes place early on,[link widoczny dla zalogowanych], during the first year. In calculating depreciation and resale values,[link widoczny dla zalogowanych], Edmunds assumes that you will drive the car 15,[link widoczny dla zalogowanych],000 miles a year, keep it in "clean" condition, and sell it to a private party. If you sell the car to a dealer or use it as a trade-in, its value would almost certainly be lower.
By Fred Brock
See all Articles submitted by SelfGrowth.com AdminSee SelfGrowth.com Admin's Expert PageGet Updates on Personal FinanceGet Updates on SelfGrowth.com Admin Average: 4 Your rating: None Average: 4 (1 vote) Tweet
If you're serious about saving money, look no farther than your driveway. Take a hard look at your car or cars; they are a serious source of expenses for many people, sometimes ranking just behind housing. Like credit cards, they are an essential part of life for most people, and, like credit cards, you must get them under control.
When the time comes to replace that car, should you buy a new or used one? In most cases, the most expensive thing you can do is buy or lease a new car every two or three years. The least expensive route is to purchase a used car, especially one that is coming off lease and may still be under warranty. There is also a middle way: buy a new car and run it until it dies.
The rapid depreciation of a new car can be a nasty problem if you financed the vehicle for five years or more, paid little or no money down, and want to sell or trade the car before the loan is paid off-say in two or three years. You will likely discover that you will still owe more on the car than it's worth.
The problem with a new car is that its depreciation, or decline in value, is much higher during the early life of the vehicle--especially during the first year. Buying a used car, or keeping a new car for a long time, allows you to avoid much of that depreciation or minimize it by spreading it out over many years, perhaps ten to twelve. Of course, if you do get a new car every two or three years,[link widoczny dla zalogowanych], repair costs are reduced because your car is always under warranty. As you will see,[link widoczny dla zalogowanych], however, this is a very minor plus compared with the negative of depreciation.
You can save a lot money on a car if you can avoid that first year of depreciation. let's assume, for instance, that instead of buying the Malibu new, you buy it when it is three years old. Edmunds estimates its resale value at $8,759 (the purchase price of the car, without sales tax or fees, minus three years' depreciation). The car would only have 45,000 miles on it, and the bulk of the expenses of depreciation would have hit the car's previous owner, greatly decreasing the per-mile costs. If the car were five years old, with 75,000 miles on it, you could pick it up for $5,985. By then the depreciation would have tapered way off and the per-mile costs would be even less. Most modern cars can easily go 100,000 miles or more without serious mechanical problems. If you buy the car with 75,000 on it, you can reasonably expect to drive it another 30,000 miles, or two years, without a serious breakdown. The price of that five-year-old car, $5,985, that you are going to drive for two years, or perhaps longer, is $4,350 less than the depreciation alone on a new Malibu for just the first two years!
Let's look more closely at four of the expense elements and the assumptions behind them in the Edmunds calculations: deprecia- tion, financing, maintenance, and repairs.
First, consider getting by with just one car. This can be difficult for working couples or for families with several drivers, but the savings are significant. When you sell one of your automobiles, not only do you eliminate a car or lease payment,[link widoczny dla zalogowanych], or free up some money if you paid cash for the vehicle, but you also greatly reduce your auto insurance bills, which in some high-cost cities and states are considerable.
· Financing is the interest expense on a car loan. Edmunds assumes a good credit rating,[link widoczny dla zalogowanych], a down payment of 10 percent, and a loan term of sixty months, or five years . Edmunds is able to constantly update its Web site to account for the slightest changes in interest rates for loans--and fuel prices--which I obviously can't do here. if you go to the Edmunds Web site, you will get a different number for interest charges, fuel costs, and the True Cost to Own, depending on current rates and prices. Financing charges are typically based on the balance due and will decrease over the five years as that balance declines.
Gary Dobbins is an independent automobile broker in Chadds Ford, Pennsylvania. He arranges leases and purchases of cars, new and used, for his clients. He argues that the greatest financial advantage can be gained by buying a late-model used car. He cites the case of a 2004 Volvo, with a $34,000 sticker price, that he leased to a couple in late 2003. After eight months, they decided they needed a van. (Luckily,[link widoczny dla zalogowanych], their lease was structured so that they could get out of it easily.) Dobbins, whose company is called Dobbins Autosmarts, then sold the used Volvo, which had only 6,000 miles on it, to another client for $24,000--a full $10,000 under the original price. "That car was a great deal," he said. "It still had three and a half years of the manufacturer's warranty left and had already taken the big depreciation hit."
· Maintenance includes work that needs to be done to your car on a regular basis, like oil changes. It also includes unscheduled items like replacing batteries, brakes, hoses, mufflers, lights, and so on. As you might expect, maintenance will increase as your car ages.
If you get the feeling you're being hustled when you walk into a car dealership, it's because you are.
-GARY DOBBINS, INDEPENDENT AUTO BROKER
If you want an even more dramatic example of how your car-buying habits can limit your financial future, consider an expensive--and expensive to operate--sport utility vehicle like the Ford Expedition. Let's use the top-of-the-line Eddie Bauer model with four-wheel drive and a 5.4-liter V-8 engine. The total cost of the vehicle purchased in New Jersey is $40,613. The True Cost to Own over five years, however, is $56,972. That works out to 76 cents a mile. As figure 9 shows, this vehicle depreciates by almost $12,000 during just the first year. The fuel costs alone for five years are more than $10,000.
· Repairs refer to work that must be done on your car that is not covered by the manufacturer's warranty. Older cars typically
require more repairs.
The true cost of owning that Malibu for five years--the TCO--would be $35,073. That includes depreciation, financing, insurance, taxes and fees, fuel,[link widoczny dla zalogowanych], maintenance, and repairs. That works out to an average per-mile cost of 47 cents over the five-year period. (The Internal Revenue Service, however, allows you to deduct only 36 cents a mile when the use of your car is a tax-deductible expense; many companies use the IRS figure to reimburse employees who use their cars for company business.)
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If you drive that five-year-old car longer than two years, the per-mile cost gets less and less the longer you drive it--but only to a point. That point is when the cost of repairs gets too expensive. The trick is to know when to stop. One rule of thumb is to give up the car when your annual repair costs equal what annual car payments on a comparable new car would be. I think that's even a little high; it ignores the inconvenience of getting a car fixed. I would put the breaking point at slightly more than half of annual car payments. The point is to live well and save money. Spending too much time waiting for my car to get fixed is not my idea of living well.
Take, for instance, a 2004 Chevrolet Malibu LS four-door sedan with a 3.5-liter six-cylinder engine. According to Edmunds, the estimated new-car purchase price in New Jersey would be $22,069, including the state's sales taxes and fees totaling $1,325. (The price of the car without the taxes and fees would be $20,744, a number that will be useful in some later calculations.)
The above is an excerpt from the book Live Well on Less Than You Think: The New York Times Guide to Achieving Your Financial Freedom by Fred Brock (Published by Times Books; January 2005; $15.00US; 0-8050-7725-1)
Copyright © 2005 Fred Brock
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Amid mounting pressure for financial organizations to lessen their exposure to private debtors with bad credit records,[link widoczny dla zalogowanych], banks and credit card firms have stopped giving new loans to debtors use new loans to pay back old debts.
Market analysts said that financial firms new move would make drive the debtors of multiple lending organizations into the arms of private Japanese moneylenders,[link widoczny dla zalogowanych], who have been prospering in Korea on quick loans and high-rate interest.
Kookmin Bank,[link widoczny dla zalogowanych], the largest bank in the country,[link widoczny dla zalogowanych], said Friday that it would suspend all new loans on individual credit to those who have taken out a total W10 million or more in cash advances using three different cards and defaulted at least once in repayments. The bank said the suspension would also be applicable to those who have been unable to pay at least W1 million in credit card dues for more than 60 days.
Kookmin has been offering unsecured loans of up to W5 to W50 million per person to salaried workers,[link widoczny dla zalogowanych].
Cho Hung Bank took a similar stance recently,[link widoczny dla zalogowanych]. The bank said it stopped new loans to customers who have taken out more than W5 million in cash and defaulted on their payment for more than six months,[link widoczny dla zalogowanych].
Korea Exchange Bank decided to stop loans to those who have taken out money from four different card firms or those who have exceeded W3 million in their total cash service,[link widoczny dla zalogowanych], starting from Tuesday next week. (Hwang Soon-hyun,[link widoczny dla zalogowanych], [link widoczny dla zalogowanych])相关的主题文章：

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Celebrities, including director of the National Theater Kim Myeong-gon, musical creator Song Seung-hwan, designer Lie Sang-bong, actress Yun Seok-hwa and pianist No Yeong-sim, will join Han at the exhibition, greeting the guests.

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Chinese mobile phone network speed
mobile monopoly of mobile communication market in 2G era,[link widoczny dla zalogowanych], China was almost simultaneous with the world to go from GSM to GPRS technology, China mobile phone users to 100000000 annual growth rate has created a miracle in the history of world communication. Why to introduce the three giant competition, licensing increased 3G times, the user development speed but drop down? Three oligopoly market environment becomes worse, or competition not thorough enough? Is the technology,[link widoczny dla zalogowanych], service and infrastructure can not keep up, or policy support -- such as bring to the network -- not place? Whether operators or regulators, are to be >
in the world are generally 3G, why China has not entered the 3G era? There are objective reasons, such as the late start -- perhaps to wait for China's independent intellectual property rights of the TD-SCDMA technology is mature, in the long-term controversy,[link widoczny dla zalogowanych], China until 2009 January to issue 3G licences,[link widoczny dla zalogowanych], than the world of late years -- but from 2009 January to today, has in the past three years,[link widoczny dla zalogowanych], these three years, the three operators have developed 135000000 3G users, the user growth slow, foot humiliate the world famous "China speed".
objective said, because the GSMA statistical data from 2010, and the pace of development of world communication network of a thousand li a day, accurate to report today in 2012 has no meaning,[link widoczny dla zalogowanych], but it can cause tremendous echo and echo in public is very worthy of attention: Chinese mobile phone network speed is too "slow",[link widoczny dla zalogowanych], the price is too expensive "".
China has nearly 1000000000 mobile phone users,[link widoczny dla zalogowanych], of which only 135000000 users of the 3G network,[link widoczny dla zalogowanych], the data, said China's mobile phone network is still in the era of the 2G, also had not been. But even this small part of the 3G user, because the base station construction, they do not necessarily every hour and moment to enjoy the advantages of 3G network.
according to the report,[link widoczny dla zalogowanych], an international authoritative organization GSMA (Global System for Mobile Communications Association) report, as of 2010, China mobile phone average connection speed is only 50Kbps per second (equivalent to 6.25KB/s), only higher than India,[link widoczny dla zalogowanych], one of the world's last second, while Japan and South Korea, the average speed of 1400Kbps per second, 28 times the speed of Internet in China Mobile phone.
In
why slow to the world last, the 3G network development and China is closely related to the slow. In most parts of the world's mobile phone has entered into the 3G era,[link widoczny dla zalogowanych], China's most mobile phone in 2G era. As of January this year, most users of 3G mobile three major telecom operators, but also to the development of the 53942000 users, while the total number of mobile users is 655000000, not even 10% to.
has not entered the 3G era, is the monopoly of the market environment becomes worse, or competition not thorough enough? Is technology, services and infrastructure to keep up with, or policy support is not in place? Both operators and regulators, need in-depth reflection.
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Oil production went to the Middle East, automobile production went to Japan, and the cracks in America’s manufacturing dominance began to grow by the year. Since that time, U.S. manufacturing has eroded but in total, we still lead the world.