Financial Planning – The Key To Your Lifelong Success

Financial planning is not limited to asset allocation, mutual funds, and fixed-income investments – planning should include every aspect of your life.

Should you apply for that credit card? What type of car insurance should you buy? Should we save for our child’s college or put money in our IRA’s instead? These and many more questions are all part of financial planning.

The Larry Rule – A Little Known Financial Planning Fact

Larry Lindsey is not a famous name, even in financial circles. Currently, Mr. Lindsey is the chief economic advisor to the Bush Administration. In 1996, he was a Federal Reserve Board Governor – and he was denied for a Toys ‘R Us credit card!

To apply or not to apply, that is the planning question. Larry Lindsey, who had excellent credit and a high-income level, set out to demonstrate a flaw in credit scoring algorithms.

He simply applied for every retail store credit card he was offered, and in no time he had “too many inquiries.” Never mind the fact that he had millions in assets and nary a late payment in his 30-year credit history.

Knowing the Larry Rule is key to your financial planning. If you apply for retail store credit cards every time you are asked to do so, it will have negative effects on your credit.

You may then be asked to pay a higher interest rate on your mortgage or home equity loan, which could cost you tens of thousands of dollars. Sacrificing $10,000 for a 10 percent discount at Fashion Bug is not smart planning!

Auto Insurance and Financial Planning

Most people think of insurance as a legal necessity, but in reality, it is a financial product, and that’s important to keep in mind. Don’t ever buy insurance just because it’s legally required or in order to give yourself peace of mind. Insurance must serve a financial planning purpose!

You need to have a planning strategy in mind when you purchase auto insurance. The insurance company’s goal is to get you to pay more in premiums than you take out in claims – thus, they profit.

Your goal should to pay as little in premiums as possible in order to be adequately covered. You don’t want to have to use your auto insurance, but at the same time, you don’t want to be subsidizing the bad drivers who take out more in claims than they pay in.

In order to develop a financial planning strategy for auto insurance, it’s important that you become as educated as possible on the subject. Luckily, there are dozens of great sites on the internet that provide free information on the various types of auto insurance plans, and the particular laws of your state.

Everyone has to own some form of auto insurance, and thus it should be the cornerstone of any intelligent planning strategy.

The Financial Planning Dilemma – College vs. Retirement

American parents love their children and will do almost anything to ensure they have every possible advantage. As a result, many parents save for their children’s college instead of saving for their own retirement. This act of selflessness is usually not a good planning strategy.

In order to avoid this mistake, one must have a decent understanding of financial planning tax implications. Most college savings accounts are taxed on some level, whereas financial planning products for retirement purposes generally are not. What’s more, saving for your child’s college can prevent him or her from receiving the maximum financial aid available.

In other words, by foregoing your retirement in favor of your child’s college, you are actually subsidizing the children of less responsible parents – or smarter parents who chose to save for their own retirement, in light of these facts.

Gender, Sexuality And Religion

Gender and sexuality have been issues that are in discussion for sometimes now. Gender all around the world in every religion regards to some important discrimination that has been made. God is not gender bound as His role to us as human beings is like a father and a mother. The two sexes were created when he created this world, male and female. The sex is another biggest creation of God when he chose the two male and female to love and show their feelings.
Gender discrimination is an issue in all the religions and predefined rules are determined to the role of each. The male is the dominant part of the family including the females. Females are supposed to be the generation builder for the families. In the contemporary periods, the definition of all these issues has been changed. In various religions like Jews and Christians various modern ideas have been generated which have made the woman if this age to be lot more rights that were supposed to be practiced by them. According to the religion, the relation between male and female is the god gifted and provides you with the experience of love. Even in Christians the gender issues are highly distinguishable from all the issues and their importance was determined at the times when the holy books were written.
Gender is a necessary object for evolving. The human generation only evolve when the male and female get together to experience sex. Nowadays, in American society comprising on most of the Christians, the role of females is pretty much changed. The teachings of Jesus have not been followed in this time. Where the females are free to occupy any place they want. Also the respect that is given to the females is long gone in this modern society. The government seems to support the rights of females but that has made the females to leave their duty of generation. The sex was considered to be a sin in the long gone ages when the teachings of Jesus were followed strictly. The one committed this sin was subjected to various punishments. But now in this American society, sex is very common. Not in America only, in all the parts of the world where Christians live, they don’t feel it as a sin but look at this as their right of freedom that has been given to them by the governments.
The females are not secured in this society as well. We are looking at various attempts of rape going on in the country. That is the reaction of the relaxations that have been given to the people upon the practice of their religion.
Another important factor in the gender issues related in the Christians is the homosexuality. This issue is a hype issue that has gained popularity in recent years. Church prohibited this act as the biggest sin of the humanity to have same sex, but we are looking at the people who are committing this sin and there is no stoppage on them because of the freedom of choice that has been given to them.

Pronunciation: Get Better In Another Language

Pronunciation can affect how we communicate. Many people, who have had a go at learning a foreign language, have experienced that sinking feeling when they try a well-constructed sentence in another language only to be met with a blank face.

Why is this?

Languages are built on sounds. If I speak English and live in an English-speaking country I expect a speaker to say sounds in a particular way. In French or Spanish I would expect to hear different sounds. When we can’t recognise the sound we try and adjust how we are listening, a bit like tuning a radio, but if we can’t guess the sound, the chances are we won’t understand what is being said.

The Blocks of Pronunciation

Pronunciation has two main aspects to it, physically producing it and the sound that is produced from it, the hearing of the sound. As we get older the ability to do both of these, i.e. physically work out how to make the sound and recognise it, can diminish. This doesn’t mean we can’t continue to learn new languages but we need some extra tricks to help us.

Let’s look at some ideas on what we can do when we learn a new language.

How am I saying it?

Try saying the letters. Notice how your mouth is working. If you don’t know how a sound is physically made you may find it harder to say it.

What sounds are the same?

English has many more sounds than other languages but it also has a lot of sounds in common with other languages. Good dictionaries in a new language will usually offer an English sound or word to compare with. Use it to check what sounds are similar.

Which sounds are hard to say?

Go through the alphabet of the new language and mark out the ones you find hard to say. Give them some attention. Try and physically make the sound and see how your mouth works. Say the alphabet. Look at how children use the alphabet song in English to help them remember the alphabet, doing the same in a new language will also help memorise the letters and sounds.

Read out loud.

Find some reading form your course book or any other book. There are two advantages here. One you get to say the letters and words. Secondly you get to practise sounds that you expect to hear and you become accustomed to the sounds of the language.

How good do I need to be?

There is much discussion on this. For many of us the ability to get by in other languages is good enough. If we can say what we want, simply, slowly and the person we are speaking to, can understand us, then our pronunciation is probably good enough. After that it is a matter of choice. Some people become very good at other languages and get to very good levels of pronunciation. Not many of us are such gifted linguists but there’s no reason why we can’t make the words so that people can understand us.

Food For Thought When Travelling

That’s what most people try to tell themselves when they go travelling. The stress of remembering the lights you left on in the house, the rubbish you forgot to throw out or the toothcrush that didn’t make it into your suitcase will make your trip agonizing.

If you’re one of the people above then you know that life’s little lessons are tried and true – buy a travel checklist. This will help you to ensure that your essential travelling documents like passport, flight tickets and itinerary are with you as well as your tanning cream and bathing suit.

Finding the right packing style for your trip is actually kind of fun. Even if you don’t know where you’re going yet or about how much you want to pack with you, take the time to shopg and compare. You can compare the measurements and weight of suitcases, flight bags, carry on luggage, garment bags, and hand bags online or in the retailers near you. Try to look for accessories that are light but of durable quality. Lots of sales assistants try to sell you the colors you’re looking for and don’t think about what you need to put in the case. The more appealing cases and bags, usually high quality, tend to be the heaviest of them all. When you find something you like, literally weigh it out in your mind before buy it.

Travel diaries and disposable cameras are a very important of your trip. Without these accessories you have no real way of recalling the most craziest and most fascinating experiences you’re about to have. You know what it’s like when you ask someone how their holiday was and they tell you they saw the beach and a couple tourist areas and took in a show in the evening for fun. You want to see it too! Take a look online or in the shops to find the product you like and will actually use.

Most people don’t think they’ll last long on a journey before they get comfortable and fall asleep. For some that is true but for others, like me, we need something to keep us entertained. A good book to lose yourself in will take your attention off the clock and allow the chance to escape the journey into a whole different time and/or place. Best sellers can be purchased at the airport at a slightly higher cost to the average retailer or bookstore but usually carry a wide selection.

Online Games Is Coming In Like A Tidal Wave!

Online games are growing in popularity at an alarming rate. Many online games imitate real life with virtual scenarios. Online games are now accessable to most of the world’s population. As many as hundreds of online games players can often be found exploring and interacting in virtual environments.

Many free online games are becoming hugely popular due to the ease of access. Furthermore, online games are growing on a global scale and attracting a broader range of demographics than the traditional video game industry. In fact, online games are being perceived as the future of the interactive entertainment industry.

Many free online games are flash or java games that require plugins and other downloads in order to play. On the upside, all these free online games are available for your immediate game-play, 24 hours a day, 7 days a week. Although many online games are free some sites require that you pay to play better quality games.

For many people these free online games are addictive. What makes these online games so addictive? There are 2 top reasons why free online games are addictive: 1) they are fun 2) the thrill of winning. Most free online games allow instant play access to any player who is online. Instant play adds to the addictiveness of playing online games because of it’s instant gratification.

Some people may not understand why online games are so addictive. For those of you that don’t know, online games are not like your old school Nintendo or Play Station games. Profits to big games companies are soaring from online games that are very popular and addictive. The most profitable online games are the pay for play games which have also been steadily growing in popularity. What makes online games most addictive besides the fun of winning is their interactive nature. People are drawn towards fun and entertaining ways of connecting with other people.

2 main categories of online games which are available to the public are: 1) Interactive games where people play with and communicate to other people; 2) Single player games such as solitaire. A growing trend in online games is skill based games for money where players are able to win prizes and cash. A chess tournament is one online game where every entrant buys their chance to win whatever the cash prize happens to be.

Which online games are attracting the largest gathering of people these days? There are online games resources on the Internet which offer the largest selection of online games. Some online games are “massively multiplayer” games, which means that a large number of players participate simultaneously. These online games are high-quality and challenging. As many as 100,000 people can be found at any given time in some of the more popular ‘virtual worlds’ type of games.

Also known as browser games, online games are often social, with online chat rooms or forums to help connect players. On our site online games are divided into different categories, online racing games, online shooting games, online sports games and other games. Our free online games are in the most popular categories: online action games, online arcade games, online card games, online puzzle games and online sports games.

General Of Financial Services

The most highly regulated sector in the world is financial services and this is likely to continue and accelerate. Financial institutions struggle with complex data systems and procedures and must comply with strict reporting requirements from the regulatory bodies to protect their assets and customer data. Additionally, financial services organizations are clearly the target of both individual and organized fraud. Key to meeting regulatory audit requirements and detecting fraud is the ability to collect and analyze log and event data from both IT infrastructure and applications.

The technical and economic challenges of storing terabytes of log and event data, the systems of record from applications used for customer transactions, are staggering, and traditional security, log management and data warehouse database solutions are poorly suited to address the challenges of both data volume and query access. Event Data Warehouse solutions that provide actionable results from massive amounts of log and event data.

More and more consumers need access to sound financial products and independent, honest financial advice. The government requires financial product makers and sellers to be licensed. Among other things this scheme gives increased legitimacy to financial advisers.

Benefits to the Financial Services Sector:

The Centre for Financial Services works with key allied partners to anticipate industry direction and fulfill its changing needs. It is committed to providing leading edge, cost effective and customized education, as well as professional development and training programs to assist firms to train and develop their people to keep pace with competition.

1. A pool of well educated, highly trained graduates and co-op students
2. Curriculum and training integrated with the newest technology to meet the changing job requirements in the global workplace
3. Highly trained financial services educators and instructors
4. Top facilities and resources for collaborative applied research
5. Teaching fellowship opportunities
6. Client contact centre laboratories for employee training
7. A forum for financial industry partners to exchange ideas
8. A business network into the private and public sector

Financial Services Funds For A Down Market

Buying into a financial services fund may not seem like the best idea, especially with the amount of instability in financial markets right now. But many experts and investors are saying that now is the time to invest in these kinds of funds. With prices so low, they are only going to grow from here on out as the financial climate of the nation continues to be repaired.Financial services funds are a type of mutual fund that is specifically focused on banks, lending institutions and other financial services companies. Mutual funds allow investors to get into the stock market without spending a lot of money on one type of stock. With a mutual fund, you are technically pooling your money with other parties and buying stocks as a group. The manager of the mutual fund will choose the stocks or bonds that will offer the best return for the category.Financial services funds offer a better deal than investing in financial services directly. When you use a mutual fund such as this, you get a number of different advantages. Your money is diversified across many different companies and institutions. If one financial institution has trouble, you aren’t left up a creek without a paddle. The rest of your mutual fund portfolio should balance out the hits that the individual company is taking.Another benefit of investing in the financial sector with mutual funds is that you get professional management of your funds. The financial services fund’s manager has the experience necessary to be able to determine when to buy and when to sell specific stocks and bonds. Their experience will help your money grow.Pooling your money also allows you to have more cost efficiency. If you have $5,000 to invest, you may be able to buy shares in two to three companies. However, when you invest in a mutual fund in the financial services sector, your money will be spread out far more equally. Mutual funds can contain stocks and bonds for up to 100 different companies. When you invest this way, you’ll be able to spread your money over a wide variety of companies which can act as a measure of protection.In late 2008 and early 2009, financial services funds were fairing too well. Based on the trouble with banks and lending institutions due to the stock market slumps, it’s easy to see why many people would shy away from investing in this sector. However, history shows that after a financial crisis the financial services industries have been boosted up in the following years. After the early 1990s recession, financial services funds rose 30% in 1992 giving investors a nice profit. Purchasing a financial services fund, or any fund for that matter, is not something that should be gone into lightly. Before you place your money in a fund, you should research the history of the fund, the company that runs the fund and even the fund managers. Once you evaluate this information you can figure out if investing in financial services through mutual funds will be your best bet.

Home Improvement Loans: Enable You To Make Home Improvements

We all wish to bring changes and make some innovations in our homes. But changing your home or experimenting may cost you little extra that might not be feasible for you. Are you dropping the idea just because of this reason? Insufficient funds will not pose any problem because you can entail home improvement loans and fulfill your needs easily.

Home improvement loans can be secured and unsecured. For secured home improvement loans you are required to pledge your property as collateral. As they are secured in nature these loans offer a huge loan amount within a range of 5000-75000 and that too at affordable rates of interest. The repayment term is generally long and varies with the loan amount. The flexible repayment term allows easy loan repayment.

Whereas, if you can not meet the collateral clause then unsecured home improvement loans are a great financial option to depend on. Through unsecured loans you can borrow a huge loan amount within a range of 1000-25000 for a short term of 1-10 years. They carry slightly higher interest rates as they are not secured against anything.

Home improvement loans taken to cover up the repairs or renovation cost of residential property. You can utilize funds for civil work like plumbing or doing up the kitchen or for painting the flat. You can remodel your house or can buy new furniture, bathroom extension or construct one more bedroom. You can easily deal with such expenses by taking up home improvement loans.

If you are having bad credit history, even then you can go for home improvement loans. Poor credit holders facing arrears, defaults, bankruptcy, missed payments and other such bad credit can easily procure these loans for carrying home improvements.

Home improvement loans can be very easily applied through banks and even online. The online application is very convenient as you can apply by completing a simple application form. You can even look around for lower rate deal easily by doing little market research.

Endometriosis – Causes, Symptoms And Treatment

Endometriosis is the growth of cells similar to those that form the inside of the uterus (endometrial cells), but in a location outside of the uterus. Endometrial cells are the same cells that are shed each month during menstruation. Endometriosis is a common health problem in women. In women with this problem, tissue that looks and acts like the lining of the uterus grows outside of the uterus in other areas. These areas can be called growths, tumors, implants, lesions, or nodulesIt facilitates collaboration and information sharing between women with endometriosis. Endometriosis is estimated to affect over one million women (estimates range from 3% to 18% of women) in the United States.

It is one of the leading causes of pelvic pain and reasons for laparoscopic surgery and hysterectomy in this country. While the mean age at diagnosis is around 25-30 years, endometriosis has been reported in girls as young as 11 years of age. Endometriosis is rare in postmenopausal women. Endometrial cells (loosened during menstruation) may “back up” through the fallopian tubes into the pelvis, where they implant and grow in the pelvic or abdominal cavities. This is called retrograde-menstruation. When endometrial tissue is located elsewhere in your body, it continues to act in its normal way: It thickens, breaks down and bleeds each month as your hormone levels rise and fall. Because there’s nowhere for the blood from this displaced tissue to exit your body.

It becomes trapped.Trapped blood may lead to the growth of cysts. Cysts, in turn, may form scar tissue and adhesions abnormal tissue that binds organs together. This process can cause pain in the area of misplaced tissue, often the pelvis, especially during your period. Scars and adhesions related to endometriosis also can cause fertility problems. Pain is one of the most common symptoms of endometriosis. Usually the pain is in the abdomen, lower back, and pelvis. Some women have no pain, even though their disease affects large areas. Other women with endometriosis have severe pain even though they have only a few small growths. Women with endometriosis may also have gastrointestinal problems such as diarrhea, constipation, or bloating, especially during their periods.

Causes of Endometriosis

1.Estrogen harmones

2.Retrograde menstruation.

3.Immune system

4.Allergic reactions.

5.Impact of toxins.

Symptoms of Endometriosis

1.Pain with sex.

2.Infertility.

3.Fatigue.

4.Painful urination during periods.

5.Infertility.

Treatment of Endometriosis

Progesterone counteracts estrogen and inhibits the growth of the endometrium. Such therapy can reduce or eliminate menstruation in a controlled and reversible fashion. Progestins are chemical variants of natural progesterone. Gonadotropin releasing hormone agonists (GnRH agonists) induce a profound hypoestrogenism by decreasing FSH and LH levels. While quite effective, they induce unpleasant menopausal symptoms, and over time may lead to osteoporosis. Laparotomy can be used for more extensive surgery either in attempt to restore normal anatomy, or at least preserve reproductive potential. Danazol (Danocrine) and gestrinone are suppressive steroids with some androgenic activity. Both agents inhibit the growth of endometriosis but their use remains limited as they may cause hirsutism. There has been some research done at Case Western Reserve University on a topical Danocrine, applied locally, which has not produced the hirsutism characteristics. Pseudopregnancy can be created using oral contraceptives containing estrogen and progesterone. Women take the medicine consistently for 6 to 9 months. This type of therapy relieves most of the symptoms, but does not prevent scarring from the disease.

Avoid coffee and alcohol. Conservative surgery removes endometrial growths, scar tissue and adhesions without removing your reproductive organs. In laparoscopic surgery, a slender viewing instrument (laparoscope) is inserted through a small incision near your navel. The laparoscope is equipped with a laser, a cautery an instrument that destroys tissue with heat or small surgical instruments. Melatonin and serotonin are increased by meditation, and the stress hormone cortisol is decreased. Oral contraceptive pills (estrogen and progesterone in combination) are also sometimes used to treat endometriosis. The most common combination used is in the form of the oral contraceptive pill (OCP). Treatment of endometriosis has involved the administration of drugs known as aromatase inhibitors (anastrozole [Arimidex] and letrozole [Femara] are examples). These drugs act by interrupting local estrogen formation within the endometriosis implants themselves. They also inhibit estrogen production in the ovary, brain, and other sources, such as adipose tissue.

Video Games Becoming Addictive To Children

Parents, teachers, and adults are beginning to wonder with all the research being done on video games if children are not becoming obsessive even addictive to video games. Most of the research that has been complete have focused on video games that have more of a violent theme due to the behavior now appearing in children.

Researchers do feel that there is a connection between violent video games and violent behavior in children. It is felt that when these violent video games are played repeatedly then the children will have aggressive thoughts and become less helpful to others and less sociable as well. In video games where the goal is to kill as many characters as you possible can, then the objective turns into the violent the kills are the more points that they will collect. While a child is playing such a game ninety-nine percent of the time their heart rate will increase dramatically due to the affect the game is having on them.

A study was done by three teenagers and was put on observation at an International Science and Engineering Fair in Cleveland, Ohio that showed how video games affected children who played them. The study showed that people, not only children, or all ages had a rise in blood pressure and heart rate after they played a super violent video game. However, when the same person played a nonviolent video game did not have the the same effect as the violent video game.

Children all over the world play these violent video games every day and some play for more than three or four hours a day. There will always be a debate as to whether violent video games can actually make an individual have behavior that is of an aggressive and violent nature, but the fact is that these video games are addictive to children. It is true that playing video games can help children develop their visual skills while learning about computers, which may help them in school. In fact, studies are now showing that video games can be helpful for children.

The fact is that video games are proving to help children that labeled ADD or ADHD learn how to focus their attention. Video games are often innocent bystanders to the problems in society. Video games have the potential to inspire children to learn if it is presented in the right manner to children. Video games have already proven to have the capability of improving the coordination and visual skills of children that play them.

Children tend to choose video games that have the combination of being challenging, entertaining, and complicated. Many of these video games can take up to one hundred hours of play to complete and most children will have their concentration focused on the video game the entire time. Children that are labeled with ADD and ADHD by teachers are those children that can not sit still in school, but this might just be because they find the school work boring, because the majority of these children can spend hours trying to make it to the next level of a video game.

These same children, who professionals feel can not pay attention, can play a video game for ten straight hours if given the opportunity simply because the game focuses their attention in a way school is unable to try, which is interactive. These children are not simply sitting and watching, but are participating in what is going on and solving problems.