Renting a home or office necessitates insurance protection. The insurance protects renters against fire, theft, vandalism, natural disasters or a liability suit. Leading insurance companies offer renter’s insurance policies with varied coverage. Most renters insurance policies cover perils like: fire, storms, explosions, riots, aircraft collisions, vehicle accidents, smoke, mischief, theft, natural disasters, falling objects, floods, electrical or plumbing mishaps, earthquakes, and more.
Be an educated purchaser of renters insurance and make the effort to find out whether the renters policy offers ACV, actual cash value or RCC, replacement cost coverage.
The premium for renters insurance depends on many factors like where you live, the age of the building and so on. There are many ways by which you can aim to reduce renters insurance costs:
1. Buy a policy after making comparisons online and offline. Choose a policy that offers the most at the lowest premium.
2. When choosing a rental home or office think of how the location and age of the building will affect your insurance premiums. Choose a location that is affordable but does not cause a huge increase in insurance costs.
3. Reduce costs by increasing your deductibles. Create a financial plan and make sure you can actually afford the deductible payments.
4. Keep a check list of what will increase renter’s insurance costs. For example do not buy or adopt a dog on an impulse. Many companies are wary about covering owners of certain breeds of dogs and other pets.
5. Maximize safety features in your rental space. Insurance companies offer great discounts when protective devices like fire detectors, smoke alarms, burglar alarms, and fire extinguishers are installed in a rental space.
6. Think about buying a renters insurance policy from the same insurance company that has covered your health and vehicle. When companies know that you are a reliable and responsible citizen they offer what is known as “multi-line discounts.”
7. Read articles and tips on insurance online and determine how you can benefit most.
8. Follow in the rental space the safety regulations recommended by authorities. Take good care of storing inflammables, left over pain thinners, and other hazards.
9. Before buying a renters insurance policy create a list of valuables in your possessions and inform the insurance company about them. Items like art, antiques, diamonds, jewelry, and state-of-art electronics may need additional riders/coverage on the renters policy.
10. Always check online, in magazines and news papers for special offers and discounts being offered by insurance companies.
Being a responsible citizens and having a good credit rating and report is also advantageous and insurance companies offer better deals to individuals who are considered to be low risk.
Get greater renters insurance benefits by planning your life well. Insurance costs have many variables and depend on aspects like your age, insurance coverage, financial standing, debt and more.
The World Wide Web is a thriving marketplace for online renters insurance policies. Insurance bought online is often cheaper than offline. Websites devoted to insurance bring online leading insurance companies and the most affordable options. Customers online can also make use of tools like insurance risk computation, and online quote comparison tools.
Saturday, February 9, 2008
Wednesday, February 6, 2008
Autistic Child Care
Autistic child care should start as early as possible. Autism is a complex developmental disability that typically appears before age three and in some cases as early as 18 months. It is a neurological disorder that affects the functioning of the brain in areas of communication and social interaction. Although the characteristics might be the same, each person is very unique. Autism is a spectrum disorder whose characteristics can present themselves in a wide variety of combinations from mild to severe.
An autistic child can be identified very early. Parents are usually the first to notice unusual behaviors in their child. Normally a child of 12 months is expected to babble, say a few words, pick up gestures like pointing and share emotions like smiling with parents. In some cases, the baby seemed different from birth, unresponsive to people or focusing keenly on one item for long periods of time. The first signs of an autistic spectrum disorder can also appear in children who seem to have been developing normally. When an engaging, babbling toddler suddenly becomes silent, withdrawn, self-abusive, or indifferent to social overtures, something is wrong. Autistic child care is best done if the condition is diagnosed before the age of three. The best approach towards it is to count the child's strengths rather than the weaknesses.
People use different terms to describe individuals within the autistic spectrum, such as autistic tendencies, high or low-functioning autism, or autism spectrum. Whatever the term, an autistic child can learn and function productively given the appropriate educational plan. Visual and not verbal clue should be focused in building an exhaustive module, to reach out to individuals falling in the spectrum of autism. We need to break routine way of teaching to encourage flexibility and stress on unambiguous communication. We must teach the autistic child life skills in a way that they can easily recall or relate to.
Visual augmentation helps a child communicate better. Autistic child suffers from social deficits like speech impairment, problem in understanding others' perception and context and normally communicate in a way that is not understood by others. We have to teach them to communicate in socially identifiable way. Structure makes tasks predictable, reduces anxiety in the child. One can develop a concept using visual gestures. This helps the child which is struggling to recall the sequence. An autistic child's behavior is often mistaken as unruly. But it is only when the child is unable to communicate, it responds aggressively.So, we need to equip the child with better tools to communicate. Structured teaching can be beneficial to help the child pick up life skills.
Awareness has to be created to enable families to carry out autistic child care in a better manner. They need to have access to better medical management of the related disorders like aggression, hyperactivity and irritability. Parents need to learn to communicate and give out unambiguous instruction to their wards. There should be support for employment and opportunity for autistic individuals in the society.
An autistic child can be identified very early. Parents are usually the first to notice unusual behaviors in their child. Normally a child of 12 months is expected to babble, say a few words, pick up gestures like pointing and share emotions like smiling with parents. In some cases, the baby seemed different from birth, unresponsive to people or focusing keenly on one item for long periods of time. The first signs of an autistic spectrum disorder can also appear in children who seem to have been developing normally. When an engaging, babbling toddler suddenly becomes silent, withdrawn, self-abusive, or indifferent to social overtures, something is wrong. Autistic child care is best done if the condition is diagnosed before the age of three. The best approach towards it is to count the child's strengths rather than the weaknesses.
People use different terms to describe individuals within the autistic spectrum, such as autistic tendencies, high or low-functioning autism, or autism spectrum. Whatever the term, an autistic child can learn and function productively given the appropriate educational plan. Visual and not verbal clue should be focused in building an exhaustive module, to reach out to individuals falling in the spectrum of autism. We need to break routine way of teaching to encourage flexibility and stress on unambiguous communication. We must teach the autistic child life skills in a way that they can easily recall or relate to.
Visual augmentation helps a child communicate better. Autistic child suffers from social deficits like speech impairment, problem in understanding others' perception and context and normally communicate in a way that is not understood by others. We have to teach them to communicate in socially identifiable way. Structure makes tasks predictable, reduces anxiety in the child. One can develop a concept using visual gestures. This helps the child which is struggling to recall the sequence. An autistic child's behavior is often mistaken as unruly. But it is only when the child is unable to communicate, it responds aggressively.So, we need to equip the child with better tools to communicate. Structured teaching can be beneficial to help the child pick up life skills.
Awareness has to be created to enable families to carry out autistic child care in a better manner. They need to have access to better medical management of the related disorders like aggression, hyperactivity and irritability. Parents need to learn to communicate and give out unambiguous instruction to their wards. There should be support for employment and opportunity for autistic individuals in the society.
Sunday, February 3, 2008
Family Financial Goal Setting
As most of us understand, written goals can be a powerful force that changes your life for the better. Discover how combining your personal goals with your families goals to reach your dreams.
When the entire family is working toward one goal you will be pleasently suprised on how fast you will see results. What's more, when the entire family unit is working toward financial goals it can be a bonding experience that everyone will appreciate.
Working toward family financial goals brings families closer together. You will find that your family will begin to operate as one unit in order to reach those financial goals. Many top business organizations, sports teams, charities and sororities share common financial goals that bring everyone involved closer together. It works for them so let the power of family financial goals work for you.
What family goals to set.
Family goals should be set for all areas of your life including: health, personal development, spiritual/ religious and life goals. This article will focus on family financial goals; however you can easily adopt the techniques to cover the remaining areas of your life. Once more, each individual person in the family should set their own personal goals and have full support from the family.
By setting family financial goals and working as a family to achieve financial freedom everyone involved gets a sense of purpose and something positive to work toward. Children, parents and other extended members of the family will all benefit from the support of working toward family goals.
How to set family financial goals.
Setting family financial goals begins with identifying objectives that your family wants to accomplish. Take some time to figure out what motivates everyone. It could be that one family member wants to take a trip to Hawaii, another wants a nice dinner once a week, and yet another person in the family wants to cut a few years off their retirement schedule. Find out what everyone dreams about because this will help you understand each others goals and you'll become closer because of it.
Once you have an understanding of what each family member wants it time to align your goals. Maybe you want to learn more about making investments, want to increase your 401k savings, would like that new car, or just want to have more money for a rainy day. The bottom line is that everyone in the family has to do their part. When everyone works together with a common goal of achieving financial freedom then everyone's life improves. The ability to set family financial goals and achieve family goals will improve every aspect of you personally and your family as a whole.
Family Financial Goals That Work.
There are effective goal setting techniques available that will allow your family to maximize the effectiveness of your financial goals. One helpful technique to aid in accomplishing your goals is to set them using the S.M.A.R.T method.
- S ' Significant & Specific. The more detailed you are able to make your family goals the closer you are to achieving them. This gives you a clear target to shoot for and when you see what you're aiming at you have a much better chance at hitting the bull's-eye.
Be sure to make your family financial goals significant. They must mean something to your family so that they are motivated to reach them. Setting a goal of saving for a gallon of gas probably won't motivate people but if it was to save gas for a weekend trip now that's another story. Remember kids, teens and young adults are motivated by lifestyle not money. So be sure to relate money to being able to afford the type of lifestyle your family wants to live.
- M - Motivational & Measurable. Creating measurable goals will allow your family to celebrate when you acheive them. This makes goal setting fun and a true bonding experience.
The family financial goals that you set should be motivational to the entire family. Design goals that motivate and encourage each family member to do their part.
- A - Attainable. Dream huge and be realistic. You can be anything you set out to be; however growing gills so you can swim underwter probably won't happen.
- R - Results-oriented, Reasons & Related. One way to maximize the effectiveness of your family financial goals is to phrase your goals in the positive. Using results-oriented words like "I accomplished," "I received," or "I have", will direct your mind to focus on the outcome. Focusing on the outcome is one of the key steps to becoming financially free.
Your family financial goals should include the reasons too ' would you like money for college, a nice vacation, etc. It's the reasons behind the goals that make us want to accomplish them. Who cares about money it's the lifestyle that money allows us to afford that matters.
Family financial goals must relate to each other so the family works as a single unit. Setting powerful family financial goals starts with making sure everyone's goals are heading in the same direction and not contradicting each other. For instance, if one family member's goal is taking a family trip to the beach next weekend and another goal is to work that weekend to save more money ' those contradict each other.
- T -Time. Its important that your goals have a set deadline in place. Decide on a specific time so you push each other to accomplish them by a certain date.
Take an evening and sit down together for dinner with no interruptions. Get everyone's dreams, goals and aspirations out. Find a way to align your goals to create a dynamic family that accomplishes goals together. Every goal you set out and accomplish together will bring everyone closer.
When the entire family is working toward one goal you will be pleasently suprised on how fast you will see results. What's more, when the entire family unit is working toward financial goals it can be a bonding experience that everyone will appreciate.
Working toward family financial goals brings families closer together. You will find that your family will begin to operate as one unit in order to reach those financial goals. Many top business organizations, sports teams, charities and sororities share common financial goals that bring everyone involved closer together. It works for them so let the power of family financial goals work for you.
What family goals to set.
Family goals should be set for all areas of your life including: health, personal development, spiritual/ religious and life goals. This article will focus on family financial goals; however you can easily adopt the techniques to cover the remaining areas of your life. Once more, each individual person in the family should set their own personal goals and have full support from the family.
By setting family financial goals and working as a family to achieve financial freedom everyone involved gets a sense of purpose and something positive to work toward. Children, parents and other extended members of the family will all benefit from the support of working toward family goals.
How to set family financial goals.
Setting family financial goals begins with identifying objectives that your family wants to accomplish. Take some time to figure out what motivates everyone. It could be that one family member wants to take a trip to Hawaii, another wants a nice dinner once a week, and yet another person in the family wants to cut a few years off their retirement schedule. Find out what everyone dreams about because this will help you understand each others goals and you'll become closer because of it.
Once you have an understanding of what each family member wants it time to align your goals. Maybe you want to learn more about making investments, want to increase your 401k savings, would like that new car, or just want to have more money for a rainy day. The bottom line is that everyone in the family has to do their part. When everyone works together with a common goal of achieving financial freedom then everyone's life improves. The ability to set family financial goals and achieve family goals will improve every aspect of you personally and your family as a whole.
Family Financial Goals That Work.
There are effective goal setting techniques available that will allow your family to maximize the effectiveness of your financial goals. One helpful technique to aid in accomplishing your goals is to set them using the S.M.A.R.T method.
- S ' Significant & Specific. The more detailed you are able to make your family goals the closer you are to achieving them. This gives you a clear target to shoot for and when you see what you're aiming at you have a much better chance at hitting the bull's-eye.
Be sure to make your family financial goals significant. They must mean something to your family so that they are motivated to reach them. Setting a goal of saving for a gallon of gas probably won't motivate people but if it was to save gas for a weekend trip now that's another story. Remember kids, teens and young adults are motivated by lifestyle not money. So be sure to relate money to being able to afford the type of lifestyle your family wants to live.
- M - Motivational & Measurable. Creating measurable goals will allow your family to celebrate when you acheive them. This makes goal setting fun and a true bonding experience.
The family financial goals that you set should be motivational to the entire family. Design goals that motivate and encourage each family member to do their part.
- A - Attainable. Dream huge and be realistic. You can be anything you set out to be; however growing gills so you can swim underwter probably won't happen.
- R - Results-oriented, Reasons & Related. One way to maximize the effectiveness of your family financial goals is to phrase your goals in the positive. Using results-oriented words like "I accomplished," "I received," or "I have", will direct your mind to focus on the outcome. Focusing on the outcome is one of the key steps to becoming financially free.
Your family financial goals should include the reasons too ' would you like money for college, a nice vacation, etc. It's the reasons behind the goals that make us want to accomplish them. Who cares about money it's the lifestyle that money allows us to afford that matters.
Family financial goals must relate to each other so the family works as a single unit. Setting powerful family financial goals starts with making sure everyone's goals are heading in the same direction and not contradicting each other. For instance, if one family member's goal is taking a family trip to the beach next weekend and another goal is to work that weekend to save more money ' those contradict each other.
- T -Time. Its important that your goals have a set deadline in place. Decide on a specific time so you push each other to accomplish them by a certain date.
Take an evening and sit down together for dinner with no interruptions. Get everyone's dreams, goals and aspirations out. Find a way to align your goals to create a dynamic family that accomplishes goals together. Every goal you set out and accomplish together will bring everyone closer.
Tuesday, January 29, 2008
Personalized Christian Baby Gifts: The Top 7 Most Popular voted by Christian Moms
Personalized Christian Baby Gifts that are unique at the same time are hard to come by…… If you've always been the perfect gift giver, then what I have to share is NOT FOR YOU. I would ask you to drop me an email instead on your ideas so I can run more surveys like the one I did below.
You see, I often wondered if my unique baby gifts were REALLY what Christian Moms WANTED and LOVED at all. Especially when I realized that baby gift giving is a lifelong affair…..your best friend's baby shower and first birthday, your nephew's first communion and don't forget your granddaughter's baby baptism and christening.
Hence, a survey was conducted among Christian Moms across many denominations (Methodists, Presbyterians, Catholics, Pentecostals, independent churches, etc) to find the answers to "WHAT Baby Gifts would Christian Moms really LOVE and WHY".
By learning what is shared from the survey here, YOU will
1. Discover the Top 7 unique and personalized Christian baby gifts;
2. Understand WHY Christian Moms love them;
3. Have a ready Christian baby gift list to end your gift hunting frenzy;
4. Be able to tell the Mom-to-be how unique your Christian baby gift is for her unique newborn;
5. Impress and delight your friends or family at that baby shower or his/her baby's first birthday, communion, christening or baptism;
6. Want to REWARD YOURSELF with the same personalized gifts (Yes! They're not just for babies) and get a FREE e-book on Christian baby names and gift giving; and
7. Be able to easily make personalized orders of the featured Christian baby gifts and send a FREE e-card along.
So, here's what the survey found.
Not surprisingly, 3 of the more popular ones are Word-based. The personalized baby bible is the top favorite as it weaves the baby's name in the scriptures, making it a timeless keepsake. Christian Moms feel that hearing baby's name being read off the Bible make God's promises very real & personal. Most importantly, "the best education is God's foundation through His personalized Word".
Another Word-based gift, the personalized baby CD featuring the favorite "Jesus Loves You" song among others, is a popular choice for the same reasons. The bonus with this one is that the babies get to learn their own names in the lyrics in a fun and entertaining way. All you have to do is just turn the music on.
The third Word-based gift, the personalized Psalm 23 bracelet, is no less meaningful. Christian Moms are delighted to have the all-time favorite psalm symbolically and attractively accessorized. It not only serves as a precious keepsake but is also a powerful practical reminder of God's love when worn daily. Wouldn’t it be cool to see little ones reciting Psalm 23 when toying each bead?
The next two unique personalized gifts are captivating in their own right as being able to showcase their babies wins every Christian Mom's vote hands down. No wonder she is thrilled to have a personalized bag that has her favorite baby photo printed on both sides. As it's also not limited to the diaper bag, having a personalized tote bag, clutch bag or backpack makes it a trendy accessory to carry. It's almost like having a private label rather than the usual brands. Likewise, the personalized growth chart of fine wood craftsmanship goes very well on the wall among family portraits, Monet oil paintings and art pieces.
The last two gifts are safe favorites with any Christian Mom. The personalized baby photo album kit tells a beautiful baby story with specially crafted pages and the personalized baby blanket not only wraps up baby luxuriously but helps the busy Christian Mom pack easily into the travel bag.
Overall, make sure your gifts fulfill the following criteria:
1. personalized
2. incorporate Scriptures in a useful and meaningful way
3. demonstratively showcase baby photos
4. keepsake quality
For greater impact, the gift should also appeal to the Christian Mom herself. For example, she would equally love to have her own personalized Bible, hear her own name in a song, wear an eye-catching bracelet or carry a tote bag splashed all over with her favorite personal shot.
Getting all these features can be a tall order. Personalized Christian baby gifts are hard to come by.
You see, I often wondered if my unique baby gifts were REALLY what Christian Moms WANTED and LOVED at all. Especially when I realized that baby gift giving is a lifelong affair…..your best friend's baby shower and first birthday, your nephew's first communion and don't forget your granddaughter's baby baptism and christening.
Hence, a survey was conducted among Christian Moms across many denominations (Methodists, Presbyterians, Catholics, Pentecostals, independent churches, etc) to find the answers to "WHAT Baby Gifts would Christian Moms really LOVE and WHY".
By learning what is shared from the survey here, YOU will
1. Discover the Top 7 unique and personalized Christian baby gifts;
2. Understand WHY Christian Moms love them;
3. Have a ready Christian baby gift list to end your gift hunting frenzy;
4. Be able to tell the Mom-to-be how unique your Christian baby gift is for her unique newborn;
5. Impress and delight your friends or family at that baby shower or his/her baby's first birthday, communion, christening or baptism;
6. Want to REWARD YOURSELF with the same personalized gifts (Yes! They're not just for babies) and get a FREE e-book on Christian baby names and gift giving; and
7. Be able to easily make personalized orders of the featured Christian baby gifts and send a FREE e-card along.
So, here's what the survey found.
Not surprisingly, 3 of the more popular ones are Word-based. The personalized baby bible is the top favorite as it weaves the baby's name in the scriptures, making it a timeless keepsake. Christian Moms feel that hearing baby's name being read off the Bible make God's promises very real & personal. Most importantly, "the best education is God's foundation through His personalized Word".
Another Word-based gift, the personalized baby CD featuring the favorite "Jesus Loves You" song among others, is a popular choice for the same reasons. The bonus with this one is that the babies get to learn their own names in the lyrics in a fun and entertaining way. All you have to do is just turn the music on.
The third Word-based gift, the personalized Psalm 23 bracelet, is no less meaningful. Christian Moms are delighted to have the all-time favorite psalm symbolically and attractively accessorized. It not only serves as a precious keepsake but is also a powerful practical reminder of God's love when worn daily. Wouldn’t it be cool to see little ones reciting Psalm 23 when toying each bead?
The next two unique personalized gifts are captivating in their own right as being able to showcase their babies wins every Christian Mom's vote hands down. No wonder she is thrilled to have a personalized bag that has her favorite baby photo printed on both sides. As it's also not limited to the diaper bag, having a personalized tote bag, clutch bag or backpack makes it a trendy accessory to carry. It's almost like having a private label rather than the usual brands. Likewise, the personalized growth chart of fine wood craftsmanship goes very well on the wall among family portraits, Monet oil paintings and art pieces.
The last two gifts are safe favorites with any Christian Mom. The personalized baby photo album kit tells a beautiful baby story with specially crafted pages and the personalized baby blanket not only wraps up baby luxuriously but helps the busy Christian Mom pack easily into the travel bag.
Overall, make sure your gifts fulfill the following criteria:
1. personalized
2. incorporate Scriptures in a useful and meaningful way
3. demonstratively showcase baby photos
4. keepsake quality
For greater impact, the gift should also appeal to the Christian Mom herself. For example, she would equally love to have her own personalized Bible, hear her own name in a song, wear an eye-catching bracelet or carry a tote bag splashed all over with her favorite personal shot.
Getting all these features can be a tall order. Personalized Christian baby gifts are hard to come by.
Saturday, January 12, 2008
How Christmas Changed My Life - By A Dyslexic
When I look back, I was quite a privileged child in more ways than one. I had a wonderful family and friends, lived in a lovely house with a large garden to play in. We went on marvelous family holidays by the sea, and traveled abroad, something I adored. I didn't have a private education but went to a local school that was "state of the art". However, for all this idyllic childhood, and the wonderful new facilities the school had to offer, learning was a nightmare for me as a child; I just hated trying to learn and so school was a place where I didn't achieve. I had no idea how other children knew the answers to questions and understood figures and numbers. I kept the same school reading book for weeks on end; one of my worst struggles was with writing my name.
Then one Christmas, my elder brother, who was a great artist, received a drawing set. He would do a drawing and then show Mum. When it came to my turn, instead of trying to create a picture, I took the note pad and drew each of the letters of my name over the whole page - but not in the right order nor in a straight line, as I didn't know how.
When showed Mum what I had drawn, she looked closely at it. "Well look at that, you do know the letters of your name, don't you?"; she said, and then asked me if I could put the letters in the right order, and in a straight line. I shook my head.
Mum took a ruler and wrote the letters in order, in a row. Instantly, I could now see each word. Using a ruler I copied the letters in order, again and again, until I got it. I had finally learnt to spell my name! Next Mum got my school reading book and used a card over the page, revealing one word at a time. I could now make sense of it. We progressed to me holding a card under each word to separate them so I only saw one word at a time. In this way, during the school holidays, Mum taught me to read.
I returned to school thrilled that I could now read and write and was instantly taken out of the additional remedial class. However, the teachers were furious with my parents and accused them of interfering with my learning! Despite the fact that for the first two years at that school their methods hadn't worked for me, they didn't like it that my parents had found a way to help me.
With practice at home, within weeks I could read any book for a child of my age. It was like a miracle. I continued to have some difficulty with spelling and grammar, my mathematics was poor and every new thing that I had to learn was incredibly difficult, but my parents had proved to me that there was always going to be a way. They just needed to help me identify the problem and together we would find the answer by finding an alternative way to learn. This was a revelation to me.
That Christmas, a simple plain sheet of paper and pencil allowed me to transcend what was in my mind - to see a solution to something that I knew was a problem, but couldn't explain.
From then on I always had an exercise book and pen nearby, and using the page like a mirror to reflect what was in my mind, the problem was copied as a visual image on a page. Seeing it on the page enabled my parents and me to identify and resolve the problem.
You have to know your own mind to identify the problem, before you can go forward, and then you will go forward with speed.
Gradually my mother found many ways of teaching me, and these things I included in my book, The Achiever's Journey. As I got older, I started interpreting my mind through writing and drawing. Interestingly, many other people found this useful, including those without any learning difficulties. I couldn't believe it, what a revelation to find out that others didn't really know their own minds either.
As my education continued, I still found the school's teaching methods virtually impossible to learn and virtually gave up. I learned in secret at home and to cure my boredom whilst at school, I started to share the benefits of transcending the mind, and spontaneous words and drawings using paper and pencil, with my classmates.
Then one Christmas, my elder brother, who was a great artist, received a drawing set. He would do a drawing and then show Mum. When it came to my turn, instead of trying to create a picture, I took the note pad and drew each of the letters of my name over the whole page - but not in the right order nor in a straight line, as I didn't know how.
When showed Mum what I had drawn, she looked closely at it. "Well look at that, you do know the letters of your name, don't you?"; she said, and then asked me if I could put the letters in the right order, and in a straight line. I shook my head.
Mum took a ruler and wrote the letters in order, in a row. Instantly, I could now see each word. Using a ruler I copied the letters in order, again and again, until I got it. I had finally learnt to spell my name! Next Mum got my school reading book and used a card over the page, revealing one word at a time. I could now make sense of it. We progressed to me holding a card under each word to separate them so I only saw one word at a time. In this way, during the school holidays, Mum taught me to read.
I returned to school thrilled that I could now read and write and was instantly taken out of the additional remedial class. However, the teachers were furious with my parents and accused them of interfering with my learning! Despite the fact that for the first two years at that school their methods hadn't worked for me, they didn't like it that my parents had found a way to help me.
With practice at home, within weeks I could read any book for a child of my age. It was like a miracle. I continued to have some difficulty with spelling and grammar, my mathematics was poor and every new thing that I had to learn was incredibly difficult, but my parents had proved to me that there was always going to be a way. They just needed to help me identify the problem and together we would find the answer by finding an alternative way to learn. This was a revelation to me.
That Christmas, a simple plain sheet of paper and pencil allowed me to transcend what was in my mind - to see a solution to something that I knew was a problem, but couldn't explain.
From then on I always had an exercise book and pen nearby, and using the page like a mirror to reflect what was in my mind, the problem was copied as a visual image on a page. Seeing it on the page enabled my parents and me to identify and resolve the problem.
You have to know your own mind to identify the problem, before you can go forward, and then you will go forward with speed.
Gradually my mother found many ways of teaching me, and these things I included in my book, The Achiever's Journey. As I got older, I started interpreting my mind through writing and drawing. Interestingly, many other people found this useful, including those without any learning difficulties. I couldn't believe it, what a revelation to find out that others didn't really know their own minds either.
As my education continued, I still found the school's teaching methods virtually impossible to learn and virtually gave up. I learned in secret at home and to cure my boredom whilst at school, I started to share the benefits of transcending the mind, and spontaneous words and drawings using paper and pencil, with my classmates.
Saturday, January 5, 2008
How You Can Shop, Save and Make Money
Millions of people shop online everyday. Online spending is increasing every year. One way to tap into this market is with an online shopping mall business.
In 2006 $107 Billion was spent online. Last year 79% of all people using the Internet bought something online. In 2007 it will exceed $200 Billion. People are shopping online to save money, to save time and to save on gas. How much more motivated would people be to shop online if they also made money every time they shop?
With an online shopping mall business you received shopping rebates on every purchase you and your team make in the mall. You will also received rebates on the purchases of shoppers on nine shopping tiers.
This is an easy business because there is nothing to sell. All you have to do is shop in any one of 1000 stores on your own personal mall and buy what ever you and you family need and want. You will then give away malls and create financial freedom from all the purchases on your team.
There are no qualifying to receive you income. There are no meetings. People already know how to shop.
It is really very simple. You shop for things you are going to buy anyway and received rebate checks for a portion of your purchase. You will not have to spend gas or time to shop, things are delivered right to your door, you will never have to wonder if the store is going to have your color or size.
Stay home, click through 1000 stores, buy what you want and make money! It becomes even more exciting when you give away malls to other people.
An online shopping mall business is the perfect system to tap into the billions being spent online and to create unlimited income.
In 2006 $107 Billion was spent online. Last year 79% of all people using the Internet bought something online. In 2007 it will exceed $200 Billion. People are shopping online to save money, to save time and to save on gas. How much more motivated would people be to shop online if they also made money every time they shop?
With an online shopping mall business you received shopping rebates on every purchase you and your team make in the mall. You will also received rebates on the purchases of shoppers on nine shopping tiers.
This is an easy business because there is nothing to sell. All you have to do is shop in any one of 1000 stores on your own personal mall and buy what ever you and you family need and want. You will then give away malls and create financial freedom from all the purchases on your team.
There are no qualifying to receive you income. There are no meetings. People already know how to shop.
It is really very simple. You shop for things you are going to buy anyway and received rebate checks for a portion of your purchase. You will not have to spend gas or time to shop, things are delivered right to your door, you will never have to wonder if the store is going to have your color or size.
Stay home, click through 1000 stores, buy what you want and make money! It becomes even more exciting when you give away malls to other people.
An online shopping mall business is the perfect system to tap into the billions being spent online and to create unlimited income.
Wednesday, January 2, 2008
Ready, Set, Shop (Safely)!
During the hectic holiday season, many of us get so busy juggling the school events, parties and other extra activities that we can forget some basic personal safety rules. Shopping is a huge focus for most of us during the next few weeks and a few seconds thinking about these simple safety reminders could make a big difference for you and your family this year.
The first thing to remember is that December days are some of the shortest days of the year. Even if you schedule your shopping trip right after work, it is likely to be dark.
* Remember to stay as visible as possible in parking lots. Wear something light colored if possible and be extra careful when stepping out from between parked cars.
* Avoid using your cell phone in dark parking lots so you can stay aware of what is going on around you, including traffic and other potential personal dangers.
* Always try to walk to and from your car with one other person. If you are shopping by yourself, try to walk near other shoppers in parking lots.
* Most malls have security officers. For women especially, if you are weighed down with packages and leaving the mall alone at night, ask if a security officer can accompany you to your car.
* Avoid dark hallways (that often lead to restrooms, unfortunately) and other deserted areas of the mall or department stores near closing time.
Most of these precautions apply during the day also but we should all be extra alert and careful at night. Other suggestions from safety experts include:
* Only use ATMs located in highly visible, well-lit areas and try to have someone accompany you when making withdrawals after dark. Be aware of what is going on around you. Cancel your transaction if anything suspicious happens.
* Avoid juggling too many things at once. Kids, packages, coffee, and cell phones at the same time can not only distract you from what’s going on but send a signal to thieves that you might be an easy mark.
* It may sound too easy, but during this hectic time you might want to write down where you parked your car, or even take a picture of the area where you parked if your cell phone has a camera built in. The last thing you want to do is wander around looking for your car when you are weighed down with shopping bags. Beyond being frustrated, it could be dangerous.
* Always have up-to-date emergency contact information with you, just in case.
When shopping with kids:
* Point out the security guards so they know where to go for help if they get lost.
* Avoid shopping cart injuries by staying with the cart at all times. According to one report, over 21,000 kids are hospitalized each year after they’ve fallen or jumped from shopping carts.
* Check for loose or dangling items of clothing (both your own and your kids’) before stepping on an escalator.
Remembering these shopping safety tips could make a big difference during this crazy time of year and help you avoid injuries, scares or worse. Passing these reminders along will help keep family members, friends and other loved ones safer, too.
The first thing to remember is that December days are some of the shortest days of the year. Even if you schedule your shopping trip right after work, it is likely to be dark.
* Remember to stay as visible as possible in parking lots. Wear something light colored if possible and be extra careful when stepping out from between parked cars.
* Avoid using your cell phone in dark parking lots so you can stay aware of what is going on around you, including traffic and other potential personal dangers.
* Always try to walk to and from your car with one other person. If you are shopping by yourself, try to walk near other shoppers in parking lots.
* Most malls have security officers. For women especially, if you are weighed down with packages and leaving the mall alone at night, ask if a security officer can accompany you to your car.
* Avoid dark hallways (that often lead to restrooms, unfortunately) and other deserted areas of the mall or department stores near closing time.
Most of these precautions apply during the day also but we should all be extra alert and careful at night. Other suggestions from safety experts include:
* Only use ATMs located in highly visible, well-lit areas and try to have someone accompany you when making withdrawals after dark. Be aware of what is going on around you. Cancel your transaction if anything suspicious happens.
* Avoid juggling too many things at once. Kids, packages, coffee, and cell phones at the same time can not only distract you from what’s going on but send a signal to thieves that you might be an easy mark.
* It may sound too easy, but during this hectic time you might want to write down where you parked your car, or even take a picture of the area where you parked if your cell phone has a camera built in. The last thing you want to do is wander around looking for your car when you are weighed down with shopping bags. Beyond being frustrated, it could be dangerous.
* Always have up-to-date emergency contact information with you, just in case.
When shopping with kids:
* Point out the security guards so they know where to go for help if they get lost.
* Avoid shopping cart injuries by staying with the cart at all times. According to one report, over 21,000 kids are hospitalized each year after they’ve fallen or jumped from shopping carts.
* Check for loose or dangling items of clothing (both your own and your kids’) before stepping on an escalator.
Remembering these shopping safety tips could make a big difference during this crazy time of year and help you avoid injuries, scares or worse. Passing these reminders along will help keep family members, friends and other loved ones safer, too.
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