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    Money and finance the cause of anxieties for most families

     

    “I believe that thrift is essential to well-ordered living.” ---John D. Rockefeller Martha was having a restless night. The other day she got a billing statement from her credit card company that told her she was behind schedule on her monthly payment. She also felt harassed every time a debt collector would call her at the office and at home, sometimes even in odd hours of the night. They were also having troubles paying the mortgage and the monthly installments on the new car. Their financial woes are partly due to her husband Ben, who himself admits being a big spender. Ben is an avid car enthusiast who spends a lot of money to “spice up” their Japanese car and make it look like one of those street racers in the movie, “Too Fast, Too Furious.” The money problems have become so big that both Ben and Martha now experience enormous stress and anxiety every single day. Due to their financial difficulties, they now quarrel a lot and exchange the blame for falling into the debt trap. It is no wonder that money is now one of the leading causes of divorce. Money, or more appropriately, the lack of money is one of the main reasons for stress and anxiety in marriage. In the United States, the average household has at least $9,200 in credit card debt. The Bens and Marthas hardly know about the strategies and techniques to gain financial success. The common mistake among hard-pressed couples is spending more than they make. Lack of discipline in the use of credit cards also leave many people enslaved to making payments to settle both the principal loan and interest fees. We all face different challenges and pressures about money. It can be really overwhelming to face these financial problems if nothing is done about them early on. Because of the constant demands to meet our day-to-day living expenses, it also becomes the leading cause of stress and anxiety that can eventually ruin your emotional and physical well-being. But money should really help us improve our lot and not make our lives miserable. In order to lessen the pressure brought about by financial problems, it may be helpful to read and consider the following financial management advice: First, develop a realistic budget. This is the very first step you need to take to regain control over your finances . Make a list of all the money you owe or bills to pay --- then decide to pay them one by one based on your fixed paying capacity. Also, it is good to make a list of all other sources of income. The next step is to write down all your “fixed” expenses like mortgage, rent, car payments, electricity, credit cards, and insurance premiums. After that, determine just how much money you have left to know exactly how much you have left to spend on other things. It is important to stick to your payment schedule and not create other payables before you finish paying for the priority accounts. It is highly recommended to keep a small notebook that you can use to list down all your expenses. With the small notebook, you can track where your money goes. In addition, using a computer budgeting program can be a helpful tool for balancing your checkbook. The second step is to teach your kids about money matters. Children nowadays are easily lured by commercials and advertising gimmicks. With peer pressure and the constant barrage of fads, children may end up losing their allowance to some things that they don't really need. It is never too late to teach kids about money matters. They must be told how hard it is to earn money and that not everything they see in the toy store or on television should or can be bought for them. Children around eight years old can already be trained to manage their allowances and to start their savings. Another step towards financial freedom --- believe or not --- is to contact your creditors. Explain your situation to them and ask them to restructure your loans. Ask them to present an option for debt consolidation but make sure that the interest rates are manageable and the monthly payments are withing your capacity to pay. Also, try to convince your creditors to design a modified payment scheme that will lead to a win-win financial situation. Cost-cutting measures should also be an automatic undertaking if you want to regain financial freedom. You can save money by doing simple things like turning off the lights when not using it... scheduling your trips or errands to the grocery stores... or simply cutting down on junk food purchases. All these will help in lowering your monthly expenses. One sure way to cut down costs is to lessen your spending on entertainment. For example, you can stop that magazine subscription or choose a cheaper cable program with less channels. After you have enough savings, you may choose to consult a financial advisor regarding investment options and instruments such as mutual bonds and stocks. Your financial situation shouldn't go from bad to worse. You have options and you can take control of your money. But regaining your financial freedom will depend on your goals and how disciplined you are in achieving those goals. The key to financial freedom and debt-free living rests entirely on you. Being free from debt is, after all, a big stress relief.

         
    Money and finance the cause of anxieties for most families

     

    “I believe that thrift is essential to well-ordered living.” ---John D. Rockefeller Martha was having a restless night. The other day she got a billing statement from her credit card company that told her she was behind schedule on her monthly payment. She also felt harassed every time a debt collector would call her at the office and at home, sometimes even in odd hours of the night. They were also having troubles paying the mortgage and the monthly installments on the new car. Their financial woes are partly due to her husband Ben, who himself admits being a big spender. Ben is an avid car enthusiast who spends a lot of money to “spice up” their Japanese car and make it look like one of those street racers in the movie, “Too Fast, Too Furious.” The money problems have become so big that both Ben and Martha now experience enormous stress and anxiety every single day. Due to their financial difficulties, they now quarrel a lot and exchange the blame for falling into the debt trap. It is no wonder that money is now one of the leading causes of divorce. Money, or more appropriately, the lack of money is one of the main reasons for stress and anxiety in marriage. In the United States, the average household has at least $9,200 in credit card debt. The Bens and Marthas hardly know about the strategies and techniques to gain financial success. The common mistake among hard-pressed couples is spending more than they make. Lack of discipline in the use of credit cards also leave many people enslaved to making payments to settle both the principal loan and interest fees. We all face different challenges and pressures about money. It can be really overwhelming to face these financial problems if nothing is done about them early on. Because of the constant demands to meet our day-to-day living expenses, it also becomes the leading cause of stress and anxiety that can eventually ruin your emotional and physical well-being. But money should really help us improve our lot and not make our lives miserable. In order to lessen the pressure brought about by financial problems, it may be helpful to read and consider the following financial management advice: First, develop a realistic budget. This is the very first step you need to take to regain control over your finances . Make a list of all the money you owe or bills to pay --- then decide to pay them one by one based on your fixed paying capacity. Also, it is good to make a list of all other sources of income. The next step is to write down all your “fixed” expenses like mortgage, rent, car payments, electricity, credit cards, and insurance premiums. After that, determine just how much money you have left to know exactly how much you have left to spend on other things. It is important to stick to your payment schedule and not create other payables before you finish paying for the priority accounts. It is highly recommended to keep a small notebook that you can use to list down all your expenses. With the small notebook, you can track where your money goes. In addition, using a computer budgeting program can be a helpful tool for balancing your checkbook. The second step is to teach your kids about money matters. Children nowadays are easily lured by commercials and advertising gimmicks. With peer pressure and the constant barrage of fads, children may end up losing their allowance to some things that they don't really need. It is never too late to teach kids about money matters. They must be told how hard it is to earn money and that not everything they see in the toy store or on television should or can be bought for them. Children around eight years old can already be trained to manage their allowances and to start their savings. Another step towards financial freedom --- believe or not --- is to contact your creditors. Explain your situation to them and ask them to restructure your loans. Ask them to present an option for debt consolidation but make sure that the interest rates are manageable and the monthly payments are withing your capacity to pay. Also, try to convince your creditors to design a modified payment scheme that will lead to a win-win financial situation. Cost-cutting measures should also be an automatic undertaking if you want to regain financial freedom. You can save money by doing simple things like turning off the lights when not using it... scheduling your trips or errands to the grocery stores... or simply cutting down on junk food purchases. All these will help in lowering your monthly expenses. One sure way to cut down costs is to lessen your spending on entertainment. For example, you can stop that magazine subscription or choose a cheaper cable program with less channels. After you have enough savings, you may choose to consult a financial advisor regarding investment options and instruments such as mutual bonds and stocks. Your financial situation shouldn't go from bad to worse. You have options and you can take control of your money. But regaining your financial freedom will depend on your goals and how disciplined you are in achieving those goals. The key to financial freedom and debt-free living rests entirely on you. Being free from debt is, after all, a big stress relief.

         
    Monopoly addicting games for every age

     

    With so many forms of entertainment available today, games and puzzles remain a fun way to pass the time, a means of instilling good sportsmanship in children, and a way to bring families together. In fact, there are addicting games for people of all ages. Monopoly, however, has to rank on almost everyone's list of the most addicting games of all time. When thinking about addicting games, Monopoly is one of the first board games to come to mind. Who hasn't spent hours scheming to trade railroads, or hoping beyond hope that they will manage to avoid landing on the Boardwalk space with the hotel on it? Debates continue to rage as to whether money paid to the banker goes in the middle of the board and the lucky person to land on Free Parking rakes in the cash (the official rules say no, but every family seems to have its own tradition of rules). There are over two dozen great versions of Monopoly, some of which incorporate themes and others of which are designed as kid's games. Monopoly Jr. is a great way to get the younger ones involved in and excited about Monopoly, and is still fun for adults. In fact, a child's movement from the Junior version to the "real" version of Monopoly is almost like a rite of passage. When it comes to themes, there's a Monopoly game for virtually everyone. Star Wars and Lord of the Rings Monopoly themes appeal to the sci-fi crowd, while the NFL and Dale Earnhardt Monopoly editions are a sure bet for sports aficionados. Those who love nostalgia will enjoy playing the I Love Lucy version of Monopoly, while kids of all ages enjoy the Pokemon, Spider-Man, and Disney Monopoly editions. Other themes include Harley-Davidson, The Simpsons, Scooby-Doo, and Peanuts - and there's even a version! Of course, while two people can play Monopoly, the best Monopoly games involve at least three or four players. When it comes to addicting games for twosomes, card games are always a favorite. Kid's games include educational card games like Learning Journey and card games that feature historical figures like the Pioneers in Medicine Card Game or the Inventors Card Game. For adults, rummy cards are a fun way to pass the time, as are cribbage, Uno, and Skip-Bo. Completing jigsaw puzzles are on the top of many people's list of addictive activities. It's a great solo activity, as well as being a fun family pastime. Puzzles come in all shapes and sizes, and are suitable for kids as well as adults. Especially appropriate for rainy days, jigsaw puzzles keep idle fingers busy and make the time go by quickly. When it comes to addicting games, no one can dispute that video games are completely absorbing. Even so, Monopoly is one of the few unique board games that people of all ages can play, enjoy, and become addicted to.

         
    More people sing in the car than in the shower

     

    When you're driving down the road with the music turned up and your favorite tunes piping through the speakers, do you feel compelled to sing? If so, you are like the majority of Americans who tend to break out into song while cruising in their cars. In fact, according to the Music in Motion survey of more than 1,000 U. S. drivers, conducted by Directive Analytics and commissioned by Auto Expressions™, a leading brand of automotive accessories and car care products, more than nine out of 10 Americans sing in their cars...that's more than the number of people that sing in the shower! Who are the car crooners? The survey revealed that redheads, not blondes, have more fun singing in the car, since 53 percent of redheads always sing in the car. The survey also discovered that women, more often than men, sing in their cars; however, both men and women born under the Aries astrological sign are more likely to sing in their car than any other sign. Capricorns are least likely to attempt to carry a tune while driving. What are they singing? The preferred genres of song for the car crooners are rock songs, followed closely by music from the '80s and pop music. However, country songs top the charts for older Americans who exercise their vocal cords behind the wheel. What are their cars like? Car manufacturers may want to consider renaming SUVs to "Singing Utility Vehicles," since the survey found that drivers of these types of cars tend to sing the most. Car crooners also enjoy having a fragrant, organized "stage" since four out of 10 car stars have air fresheners and organizers in their cars. Turn It Up and Win Are you looking for more ways to sing in the car? Now through September 29th, or until supplies last, look for specially marked packages of Auto Expressions™ Vent Fresh® adjustable air fresheners to find a "Turn It Up and Win" scratch-off game piece. Five lucky Grand Prize winners will receive an Alpine music car makeover and 200 First Prize winners will receive an Apple iPod Nano 4GB. All game pieces, whether you are a winner or not, may be redeemed at the iTunes® Music Store for a free song download.

         
    More than diets overweight and obese people need encouragement

     

    Every person in this planet would agree that being fat is synonymous to being ugly, at least, that is what many “fashionistas” and style icons think. As we all know, our perception is shaped by society. Value is placed on all things that pleasing to the eye. Society somehow dictates that happiness, fame, and success are available, in greater amount of opportunity, to those who are “good-looking.” Aesthetics has become the predominant obsession of media and almost everything else around us --- commercial billboards, magazine and t. v. advertisements, and all other forms of external messages that highlight beauty, symmetry, and what is often called as “perfection.” In America today, millions of people are overweight or even obese. Being overweight and obese are different in terms of strict medical definition. Being overweight is normally referred to as the condition when a person's body weight is above what is normal or ideal per the established weight measurements according to height and age. Obesity, on the other hand, is the condition when a person's excess weight is already a health risk. Both conditions normally develop when a person eats more calories than what can be “burned” by the body through physical exertion or normal metabolism. There are several factors that make certain people overweight and obese. Family genetics is a major factor why a person can become overweight or obese. Parents who are heavyset will also be likely to have heavyset children. According to studies, one in three Americans is overweight or obese. This information is surely alarming not only due to aesthetic reasons, but more so, for the impact of this situation to the health of the American population. An individual who is diagnosed as being overweight or in a state of obesity is prone to feelings of being left out. That person may eventually have negative thoughts about their physical appearance, leading to low self-esteem. Depression can also be felt by obese people especially when they begin to think that their physical appearance does not and cannot merit the approval of others. In many cases, obese and overweight people go into long periods of binge eating to seek “comfort” in food as a means to deal with their depression. Their unhealthy physical condition, paradoxically, leads them to again go back to unhealthy eating habits. When a family member, friend, or any of your loved ones are diagnosed with this condition, it is important for them to get utmost attention and support. Being overweight or obese may be seen as a very lowpoint in their lives. But with genuine compassion and understanding, they can receive help in getting rid of their unhealthy eating habits. Aside from controlling excessive food consumption, people with weight problems must also be encouraged so that they can regain their self-esteem. In order to help and support your loved ones dealing with this condition, it is crucial to have good and open communication with them. In some cases, it may be necessary to seek medical attention. Doctors would most likely prescribe the use of anti-obesity drugs. These medications work by preventing the absorption of fat into the body or by decreasing a person's appetite. Of course, the use of the said drugs should be complemeted by regular physical exercise and a sensible eating plan. With simple, regular exercise like brisk walking, people can burn more calories and eventually lose weight. Sticking to a healthy eating plan, regular exercise, and a lot of encouragement from family and friends can make an overweight or obese person get back faster on the road to health.

         
    Morning bars add luxury to the bedroom

     

    Imagine waking up to the smell of fresh-brewed coffee, just feet away from your bed, or grabbing an ice-cold beverage and a late-night snack without ever leaving the comfort of your bedroom. Forget the walk-in closet and the master bath; the morning bar is one of the hottest new home amenities. The typical morning bar includes a sink and faucet, small refrigerator, drawer dishwasher and small counter to hold appliances such as a coffee maker, espresso machine or even a microwave oven. "Enriching the master bedroom with a morning bar reinforces the idea of a sumptuous retreat, rather than just a place to sleep and relax," said Margie Rowe, senior target market manager for ShowHouse by Moen. The morning bar is part of a growing consumer phenomenon referred to as "trading up," which indicates that people are willing to pay extra for luxury items. Last year American consumers spent $400 billion on luxury items that included everything from upscale cars to lavish home accessories, according to the book "Trading Up: The New American Luxury" by Boston Consulting Group Senior Vice President Michael Silverstein and Bath & Body Works CEO Neil Fiske. The challenge for designers is tastefully blending a minibar into a room without calling too much attention to the fact that it's actually a "mini-kitchen." Here are a few of their strategies: * Cabinetry: Dark woods with recessed or raised arch accents create a feeling of warmth and security, while lighter-colored wood cabinets can brighten up and invigorate the space. * Faucet and sink: "The more popular faucet designs for morning bars are those with an elegant, traditional feel that enhance a refined decorating style, such as ShowHouse by Moen's Waterhill Collection," Rowe said. "The high-arc, single-handle faucet in an oil rubbed bronze finish has a warm feel that complements and blends into the color schemes of many on-trend master suites." * Appliances: Appliances sized appropriately to the space are key to maximizing the benefits of the morning bar. A gourmet coffee press, espresso maker or juicer provide the right touch for a luxurious morning. A wine-chilling drawer will ensure that bottles will always be ready for drinking at the perfect temperature. And a small refrigerator will keep fruits, juices and creamers handy. Wood panels ensure that drawer-sized dishwashers and mini-refrigerators blend into the existing cabinetry. * Lighting: In many cases, track lighting typically found in the kitchen is being strategically placed in the morning bar area, along with skylights that open up and add height to the space.

         
    Mosquito control options for your need

     

    Mosquito control is an ongoing problem. Not only are they annoying creatures but they can also spread disease. You need to be able to find a way to control them at least in your area. But, it seems as if there is no easy way to do this. Mosquito control is something that many people, around the world, deal with every day. The question is, how do they do it? Options To Consider There are many options to consider when it comes to mosquito control. Of course, in each area of the world, there are various types of mosquitoes as well as laws that tell you what you can and cannot do to them. Here are some options that are possible to consider depending on your area. • Mosquito control can be done through a wide assortment of natural methods. From using deterrents such as citronella or other plants to using natural pest control products in your area, there are many things that you can do naturally. • You can also use a wide range of pest control products. This may be fly traps and fly tape. Or, you can use chemicals that will, in effect, kill off the mosquitoes in the area. While chemicals are really the most powerful option, many do not like them because of how dangerous they can be to the environment. But, many cities and states that have infestations of mosquito carried viruses, such as West Nile Virus, this is the most effective means of treating them. • You can also use electronic pest control which will detect, deter or eliminate any bugs that try to enter your home. • Also, as a way of keeping them away, avoid having things around that they like -- the love water and swampy areas. Make sure that standing water in your area is dumped and cleaned up properly, no matter how big or small. Mosquito control is quite necessary in one form or another.

         
    Mosquito spraying is it dangerous for you health

     

    Mosquito spraying is one of the most commonly used methods to stop the breeding of these nasty insects. Due to the fact that there are chemicals that are spread over areas where people live, mosquito spraying raises a lot of question like : are those pesticides safe for my health? Does it affects my pets ? What about the objects left outside are they affected by mosquito spraying? And so on. In this article we will try to answer to some of these questions. Mosquito spraying is done using mounted fogging units to apply insecticides as an ultra-low-volume (ULV) spray. These units spray units dispense very fine aerosol droplets (fog) that stay aloft and kill mosquitoes on contact. The amount of insecticide used in mosquito spraying is small compared to the area treated, usually about 3 to 5 ounces per acre, which minimizes exposure and risks to people and the environment. Mosquito spraying is also done by thermal foggers that use an oil carrier that is heated to disperse the pesticide in a dense smoke-like fog. During mosquito spraying , flying mosquitoes within the treated area are killed. Although the local mosquito population is reduced for a few days, fogging does not prevent mosquitoes from re-entering the area. The most commonly used products in mosquito spraying are pyrethrins, synthetic pyrethroid insecticides (such as Scourge ® and Anvil ®)and malathion. Pyrethrins are insecticides derived from the extract of chrysanthemum flowers. Pyrethroids are human made forms of pyrethrins. Both of them act as contact poisons, affecting the insect’s nervous system. For mosquito spraying they are combined with a synergist (such as piperonyl butoxide) that allows the insecticide to be more effective by restricting the enzyme that insects use to detoxify the pyrethrins. Pyrethrins and pyrethroids are use in mosquito spraying without posing unreasonable risks to human health when applied according to the label although, in high dosage, pyrethroids can affect the nervous system, coughing, wheezing, shortness of breath, chest pain, runny or stuffy nose. Regarding the wild life and the environment these two insecticides do not pose unreasonable risks, also. When used in mosquito spraying they are low in toxicity to mammals, and are practically nontoxic to birds. However they are toxic to fish and to bees. Therefore E. P.A (Environmental Protection Agency) prohibits the mosquito spraying to open water or within 100 feet of lakes, streams, rivers or bays. Malathion is an organophosphate insecticide that has been registered for the first time in the United States in1956. It is used to kill insects on agricultural crops, on stored products, on golf courses, in home gardens, and in outdoor sites where trees and shrubs are grown at home and also used in mosquito spraying. Malathion comes in two forms: a pure form of a colorless liquid and a technical-grade solution (brownish-yellow liquid), which contains malathion (greater than 90%) and impurities in a solvent. The technical-grade malathion smells like garlic. For mosquito spraying, this substance is applied at a maximum rate of 0.23 pounds (or about 2.5 fluid ounces) of active ingredient per acre, so it doesn’t pose unreasonable risk to human health. However, at high doses, malathion, like other organophosphates, can overstimulate the nervous system causing nausea, dizziness, or confusion. Severe high-dose poisoning with any organophosphate can cause convulsions, respiratory paralysis, and death. Malathion degrades rapidly in the environment, especially in moist soil, and it displays low toxicity to birds and mammals, but is highly toxic to beneficial insect (ex honey bees) too. Therefore E. P.A set a few regulations for the use of this product. So these would be the most important aspects of mosquito spraying that you should be concerned about along with the main chemical components used in this process.

         
    Most wanted the golf course property real estate explosion

     

    In the past twenty years, newly constructed communities have seen a rise in golf course property. In the past, these homes were found only in the luxury home market, appealing to the executive class. However, with an ever aging population, many affordable golf course properties have been developed to appeal to retirees. These developments are especially popular in the U. S. “sun belt”, where the climate is conducive for ideal conditions year around. Additionally, a golf course has also been added to many newly constructed neighborhoods that appeal to middle class homeowners. One major homebuilder estimates that ten percent of their new construction projects are golf course properties. That number is even as high as twenty percent in Southern states, with the majority being built in Nevada, Arizona, Texas and Florida, prime retiree destinations. A change in tradition has also occurred in the types of homes being built on golf course property. Whereas golf courses were lined exclusively with single family homes, there has been increased demand to construct condominiums, apartments and duplexes to cater to the senior population. Additionally, these alternate golf course properties are very popular in the time share industry. Golf course communities are not immune to basic economic principles of supply and demand, however. Recent reports suggest that the market may have been overbuilt in response to initial demand and golf course property has become more affordable in recent years. Developments outside of major metropolitan areas have had a difficult time luring buyers away from the city for a full-time residence. Some communities have even turned to late night infomercials to lure customers, offering free airfare, gifts, and even discounted sale prices for potential buyers. Homes on a golf course property may include large, bay windows with outstanding views of the golf course. They may even include extra large garages to accommodate the owner’s automobiles and a golf cart. Some communities include, or require, golf club membership fees within the dues for the homeowner’s association. Golf course properties are now a lot more affordable and can be a good option for those who are golf enthusiasts or retirees who want to be near a golf course.

         
    Mother s advice for optimal memory

     

    Remember when you were still young and mother would tell you to eat your vegetables, go to bed early, and do all those sort of stuffs which you dislike? It turns out that your mom (although she might be unaware of it) is giving you some ideal advice for a sharper memory. Let us recall some of them. Mother used to say fruits and vegetables are good for you. Undeniably, they are. Studies reveal that blueberries in particular, aid to improve memory aside from giving health benefits to the body. Another berry, which is strawberry, is also good in memory retention. On the vegetable side, spinach and broccoli are foods for the brain. These fruits and vegetables contain antioxidants that protect the body and brain against stress. I bet you’ve heard of the same old “early to bed, early to rise makes a person happy, healthy, and wise.” What mom used to impress on you is indeed a good advice, particularly the portion about “wise.” When you’re asleep, the brain sorts information obtained during the day so that this information is stored for future use. Quit smoking and cut down on caffeine. Researchers found that consuming a pack or more cigarettes a day can result to impaired visual and verbal memory, and this will further result to the brain’s poor ability to process information. As for caffeine (coffee and colas), it will make you feel agitated and irritated. This is contrary to a brain that performs at its best when relaxed. Fish is food for the brain. Fish contains the polyunsaturated fatty acid DHA, which is the main contributor to efficient development of the nervous system and the brain. That is why some milk products for young children are supplemented with DHA. One of the best sources of DHA is cod liver oil. Oh, how you hated it when you were still kids, but actually it’s good for you. Aside from fish, other products that are memory enhancers due to the presence of choline are soybeans, eggs, and liver. Still another substance that is present in fish like salmon, herring, mackerel, and sardines is the amazing omega-3 fatty acid. It promotes good mood, aside from being a good memory developer. It also increases the learning capability because it enhances the capacity, speed, and efficiency of the brain. Researchers are still checking the benefits that omega-3 can give to patients with alzheimer’s disease and stress related disorders. If you can’t get enough of these fish products, taking supplements (about 600 mg) will suffice. “Did you take your vitamins?” mom used to tell you this every morning. That’s because they are good for you, especially vitamins C, B12, and beta-carotene. Not only are they good antioxidants, they are good memory enhancers as well. Get off that sofa. Get out and get some exercise. Seems like a complete drag but exercise, like it or not, is good in sharpening memory. It’s like jogging your mind to wake it up. Studies reveal that strenuous physical exercise gets the brain cells up and running, thus improving memory and creativity. Just half an hour of jogging can deliver astounding results to your body and mind. Remember that you’re always better off with a sharp memory.

         
    Mother s day approaches this year give the perfect gift a gift from the heart

     

    : Mother's Day is the one day you get to show your mom exactly how much you love her. Why not give her a gift of all of her favorite things, all put together to resemble a cake. She’ll know how much she means to you when she receives one that has her own special soft fluffy bath towel, kitchen hand towels uniquely matching the kitchen she works so hard in, or perhaps her favorite flavored coffee. You can fill the towel cakes with all the items your mom loves the most. Some unique ideas also including making a tea cake, coffee lovers cake, gardeners cake, or spa cake. Add some ribbon or tulle and flowers and you have made the perfect design cake, that mom will be sure to love and never forget. Try these tips to make a towel cake for Mother's Day: 1) Making a template for the cake base is very simple. By folding the towels a certain way and using corsage pins, ribbon and some patience you to can make these wonderful gifts. 2) To make a Spa Cake - First ask yourself is Mom a bath person or a shower person? For the Mom who loves to soak in the tub use-Bath teas, Bath salts, Scented Candle, Bath Bombs, and some nice silky body butter for after the bath. For the Mom who loves taking long hot shower use-Shower Gels, Body Scrubs, Scented soaps, Long handled Body Sponge, Sea Sponge, and some nice Body Lotion for after the shower. 3) To Make Tea Cakes-Take a kitchen towel with pictures of a teapot or teacups, gourmet teas, gourmet honey, and lemon cookies or Mom favorite chocolates You could even fit a cute mug in the cake. 4) Coffee Lovers Cake-Same as above but coffee themed. Flavored coffee, mints, mug, chocolate spoons, flavored sticks for stirring and maybe Mom favorite magazine or book. 5) Put your creation on a round pretty plate as a keepsake for Mom. Take some tulle from the fabric store and wrap cake up tie with ribbon add a nice card and you have made the gift Mom will never forget. Best of all everything can be used with these cakes. For more information stop by our site at makeadiapercake. biz and chat with some of our more than 300 members who are sharing ideas and tips on the cakes they are making. This is also a perfect opportunity for those looking to start a home-based business. Unique, fun, and profitable. What more could you ask?

         
    Motherhood a time of excitement and preparation

     

    “We know that birth takes a woman from one place in her life to another. The birth of a child certainly does change her viewpoint of herself and I believe her viewpoint of the world.” - Sameerah Shareef You made it through your wedding and that honeymoon in the Bahamas. But just when you thought you were already in the middle of the best years of your life --- you get the news that you're pregnant! For your, this is surely the very highlight of your married life. The love you have for one another has now come to fruition right in your own womb. But soon enough, you learn that pregnancy is not all about celebration and anticipation....it can also be a time of physical and emotional strain. For the first time, you get to experience morning sickness and all the discomfort, nausea, and vomiting that it entails. The sickness can start just before you miss your first period and it is caused by the sudden increase in hormones during pregnancy. Pregnancy is also a time for learning, not only for the mom but for the dad as well. Any expecting couple should know that conception takes place in three basic stages: ovulation, fertilization, and the division of the fertilized egg. Fertility varies significantly between couples, as it can take one couple only a few weeks before the woman conceives, while with others have to wait many years before they have a child. There are several factors that may delay conception which may include drinking, smoking, taking certain kinds of medications, obesity, drug use and exposure to heat and chemicals among others. Morning sickness is also very common but is usually gone by the second trimester. Aside from morning sickness, a pregnant woman should also expect to feel fatigue, swelling of the breasts, increased sensitivity to odors, frequent urination, and abdominal bloating. To help you have a safe pregnancy, you may want to consider the following tips: l Avoid foods with smells that bother you l Eat a lot of carbohydrates like rice l Try gelatin desserts, sugared decaffeinated or herbal teas l Avoid rich fatty foods l Fruit is better at preventing nausea than sweeter snacks l Ginger was proven to be safe to use and help relieve sickness l Keep dry crackers by your bed and eat or two before getting up in the morning l Don't let your stomach remain empty for more than a couple of hours l Trying acupressure l Take vitamins prescribed by the doctor Carrying a baby should be the most amazing event in your life. Taking care of yourself should be top priority which means you always need to get a health check-up. Regular visits to your doctor will help ensure the progress of your pregnancy. Eat a well-balanced diet as you are now “eating for two.” Take folic acid and ample amounts of vitamin B-12, which is found in fish, milk, eggs, and meat. Being pregnant is a wonderful event and will affect your body for 9 months. Having a baby doesn't mean you have to give up a lot of enjoyable activities. Make sure you get the proper prenatal care and it is also alright to do light exercising during your pregnancy. Adapt a relaxation technique that will allow you to be more prepared especially for the labor. As your baby grows. Take time to pamper yourself and bond more with your husband. Better yet, get beautiful maternity clothes that enhance your appearance. Having a baby doesn't meant you should stopped paying attention to yourself and while you're in such a stage, explain to your husband that is part of being pregnant that sometimes you have mixed emotions. Although, your husband might not share with you the pains of having a baby. He may understand your emotions and give the loving support you need. After all, a happy Mom is also a happy baby. Celebrate motherhood while it lasts. It is really something to look forward too.

         
    Moving you need a car transport service

     

    If you’re planning a relocation, you probably don’t want to worry about the bother of hitching up and pulling an extra car or truck with you, especially if it’s going to be a far move like across several states, for example. A car transport service is a great way to move your vehicles without the hassle of having to rent a tow-train or other type of auto trailer. If you are relocating and have one or several cars you are taking with you, or even own an old classic car or truck that needs to be moved and want the peace of mind of knowing it will be taken care of safely and correctly, a car transport service might be the answer you are looking for. Another reason for hiring a car transport service would be if you were starting a used car lot and had to relocate multiple vehicles at one time. You probably have enough to deal with by getting the business ready for its opening, and letting a car transport service take care of getting the vehicles there for you would be a big time saver and load off your mind. There are many car transport services readily available to assist you. One such company is United Road. They are one of the largest nationally-owned car transporting groups and offer services for moving multiple new and off-lease automobiles in addition to personally-owned vehicles. They provide a discount for volume shipments and promise the lowest rates in that area. United Road is an MDOT and MC licensed carrier with insurance provided to you at no additional cost. They also offer door-to-door pick-up and delivery service. They have a ‘daily specials’ link on their home page and you and you can get a free quote for moving your single or multiple vehicles by clicking on their Free Quote link and filling out the electronic form. After you have received your quote, you can place an order via their website and even track your vehicle once they’ve picked it up which is a very nice feature. United Road car transport service’s website address is vehicletransportusa. Another car transport service you might want to check out is United Auto Transport. They are a fully licensed and bonded company with services all over the United States, Canada and even offer international transport. On their website, you can request a free quote and place your order online or by faxing it to them. United Auto Transport promises expertise in on-time delivery which they also back with a guarantee. For more information, visit them at unitedautotransport.

         
    Moving from the us to toronto

     

    My brothers wife is Canadian. They met in college and have never apart since. All of us went to college in New York, which has to be in the top for places to meet people from other countries. The only place more international for students might be London, I do not know. It is funny how certain cities draw the different nationalities for studies. Anyway, her parents are still in Toronto and have just retired. They sold the family home and are moving down to Florida to a condo that they bought years ago and now it is paid for. I think that is such a smart way to plan for retirement. Have a place to go that is paid for and then sell the house that has appreciated all these years and invest the proceeds so you have money to live on comfortably the rest of your life. My brother and his wife are on their way to Toronto this week to help them pack up the house and get ready to move. Since they have lived in the same house for over 50 years, there is an awful lot of stuff to sort through and they will have to get rid of a lot of it. That would be the most stressful part for me making the decisions to give away or throughout so many of the things that you have had around you for years. They have two weeks to get it all done, because they hired a moving company to come the second week of April and load up all their belongings. That is another very stressful time, watching people walk around with boxes of your stuff and trampling through your home, dismantling everything that you have collected and crafted over the years. It can be a really sad time, but I hope they are looking at this as a great opportunity and the next big chapter of their lives starting to unfold. My brother helped find the Toronto Movers by calling different companies and getting estimates from them. He used the internet to search for keywords like Moving Toronto and Moving Service Toronto and came up with a list of about a dozen companies. Imagine how much harder this would have been without the internet! I do not know how you would get a list of all the moving companies in another country in the first place and then you have to make all those long distance calls to get information. Instead, it was all just a few clicks and a lot of emails, and then a few conversations using toll free numbers. What a difference technology can make! He decided on a company called Miracle Movers. He said he liked their website and he even liked their company name, plus their estimate was reasonable. He did not want to take the cheapest quote and felt comfortable with the representative who talked him through the process. They charge hourly for loading and unloading the truck and you can save money for being well prepared, having everything packed and disassembled and ready for them when they get there. Hugs and kudos to my brother and his wife for stepping up and helping her folks with this huge life changing task.

         
    Moving home a stressful time

     

    : Moving home involves a lot of work. There are also a lot of financial considerations that people generally are not used to. Engaging a solicitor, arranging the mortgage, paying for bridging finance if it is necessary, seeking the best selling price for your home, and the best buying price for the home you are moving into, all of these are very large and important transactions that cost a lot of money and may also cause you a lot of stress. Add to this the stress of actually moving house. There may be some emotional attachment to the home you are leaving and you may find this very difficult. Then you have all the practicalities of dealing with utility companies, having mail redirected, cancelling your services and informing friends and business of the move. Traumatic And this has not even begun to consider the hassle of packing up your belongings, arranging for a removal company, and transit insurance if you think you need it, and unpacking everything at the other end. It is really no wonder that so many people consider moving house such a major and traumatic experience. However, if you take a step back, the situation is really not that bleak. Most people end up moving home for very positive reasons. These will include getting a new job, or moving to a bigger property. Therefore, as well as all the stress there is also a lot of joy and excitement involved. Get Sorted You can also use the move as a chance to clear out your possessions. Look through everything before you start packing and decide what things you do not want to take with you to your new address. If there are a lot of clothes you can pack them up and give them to a charity shop. You should think about getting boxes and old newspapers gathered up. Boxes will be available from local shops and you can save your newspapers for wrapping breakables. If you are moving everything yourself, you can rent a van to help you out. Make sure it is a suitable size. If the van is too small you’ll find yourself doing multiple trips, and if it is too large you may not be able to park, or even drive it. You should be comfortable with driving the van so give it a try before loading it up to make sure. The alternative is always to hire a professional removal company.

         
     
         
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