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No matter what stage of
No matter what stage of life you?re in, or whether you?re single or married, here are some tips to bridge the retirement gap:
1. Start early – women are more likely than men to wait to start investing. This could be because they are not in the workforce, or because they are afraid they will make a mistake. Because women live longer than men, we need to start saving earlier.
2. Set goals ? whether you?re saving for retirement, college or a vacation, you?re more likely to achieve your goals if you have a map to follow.
3. Don?t be afraid to take risks ? women are generally more cautious than men when it comes to investing. Get educated about investing and take appropriate risks to meet your goals.
4. Make retirement a priority ? women are naturally caregivers, which often translates to putting everyone else?s needs in front of your own. You need to make saving for your retirement a priority, even when you?re not in the work force.
5. Get educated ? learn as much as you can about money, investing and retirement. Take an active role in your finances even if you have a spouse who handles the finances for your family.
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This was our first introduction
This was our first introduction to an effective performance model. As proficiency increased in each R, performance was further enhanced. Effective performance models by their very design are a continuum that automatically raises performance to the next level.
Today?s businesses have their own 3-R Performance Model. This model hasn?t really changed since the early of origins of business enterprises. No matter what the latest business guru advocates, good business practices and most importantly the ?bottom-line? always appear to return to these basic 3-R?s. For without Relationships, Referrals or Revenue, today?s businesses will not achieve current goals nor grow.
R1 ? Relationships – With the Internet providing immediate access to unlimited vendors, products and services, today?s business owners must develop sustainable and loyal relationships. Current customer service research suggests that the cost to attract a new customer or client is 10 times greater than to maintain an existing customer. Relationships lead to the second R.
R2 ? Referrals – Referrals according to recent research account for 84% of all sales.
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Respect them. Respect their space.”
Respect them. Respect their space.” Actually, sharks didn’t scare me at all. I was too afraid of the water to worry about sharks. First I had to get into the water. Then I’d think about sharks.
Several years earlier on Maui I had tried to learn to dive. On that first attempt Tom, my 14-year-old nephew Matt and I started our lessons in the pool. As soon as the water closed over my face mask and I struggled with the weight of the tank and BCD vest that threatened to drown me, I climbed out of the pool and didn’t look back. Within the safety of the shore, I enjoyed a massage instead.
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Pets' day out
Pets’ day out0 Comments | New Straits Times, Sep 5, 2010 | by Jennifer Jacobs
DOGS and their owners spent a lazy day socialising at a pool, writes JENNIFER JACOBS.
There were Jack Russells and Schnauzers, Pomeranians, Beagles, large Labradors, Border Collies, Alsatians and even a few mongrels splashing about in the pool, either having a grand old time or trying desperately to find their way out, while their owners, like parents of reluctant kindergarteners, tried to get them to swim, and swim a little more.
The excitement of the humans was natural. It was not every day you were allowed to take your dog to a (relatively) public pool to socialise with all the other pooches. The event, organised by the Dr Dog programme in conjunction with Furry Friends Farm, a no-kill animal sanctuary in Kundang, was to encourage dog owners to take their pets out.
In Malaysia, there are not many places that allow pets so this was a refreshing change. Most of the people who started filling the pool with their pets on a lazy Sunday afternoon, had heard of this event at Hock Choon on the Terrace in Kuala Lumpur from a friend or a friend of a friend.
For instance, Aily Cheong, who stood at the side of the pool, clutching Sushi, her 12-year-old Shih Tzu, had heard from one of her friends at the grooming school. Sushi wasn’t interested in splashing in the pool. She stayed close to Aily, who didn’t force her to play if she didn’t want to.
“She’s old and besides, she’s pretty scared,” Aily explained. Her other dog, Bobby, a tiny Jack Russell, was not so scared. In fact, he was a hunka hunka burning love, putting the moves on a young beagle, Molly, who repelled his amorous advances as best she could.
Finally, her mistress plucked the miniature Lothario off her dog, and threw Molly into the pool. Molly swam purposefully for shore. Clearly, she was not in the waterloving category.
In fact, the only dog who really seemed to take to the water was Dr Lassie, who was part of the Dr Dog programme. The sweettempered animal couldn’t wait to get into the pool to play fetch with her rubber twig, which owner Pauline Ng kept throwing for her.
When Pauline felt that Lassie had been in the water long enough and took her out for a rest, the brown Labrador whimpered softly to let everyone know she wanted to get back into the water.
Dr Kylie, another therapy dog, also a Labrador, was the opposite. She skittered as far away as possible, circling the pool until she came to the ladder blocking her path, and then trying to figure out how to move into reverse. She got stuck at the ladder a few times.
The Dr Dog programme is where canines, specially selected for their calm tempers and high tolerance level (they don’t snap when you pull their ears, press their paws or pinch their tails) are taken to charity homes to interact with the inmates. They carry the honorific Dr Furry Friends. Farm founder Sabrina Yeap says they visit Amal Murni home in Kajang and Damansara Utama Methodist Centre once a month for an hour under this programme and the dogs have played a wonderful part in bringing about positive changes in the residents.
“There was a girl with Down’s Syndrome who opened up after interacting with the dogs. First she made an effort to move forward and touch the dogs. Then she started talking to people. She talked to the dogs first and contact with them was healing and therapeutic.”
Sabrina, who runs Furry Friends Farm, as a community-based project, is concerned with the way animals are treated in Malaysia. She has started an online petition at www.furryfriendsfarm.org.my to ban the eating of dogs and cats as well and to increase the penalty for cruelty to animals, and aims to collect 10,000 signatures before World Animal Day on Oct 4.
Basically, Furry Friends Farm is pushing to increase the penalty from RM200 and six months jail to a minimum fine of RM10,000 and a minimum jail term of two years including compulsory community service to be carried out in an animal shelter for a minimum of four hours a day during the jail term.
Probably the best-known resident of the farm is Joy, a stray mongrel that was found brutally beaten at a construction site in 2006. When Sabrina found him, Joy was almost on his last legs, with his broken lower jaw dangling dangerously.
The badly damaged jaw had to be removed permanently. Today, four years later and minus his lower jaw, Joy is a happy, healthy and friendly dog who takes a little longer to eat but enjoys his food, nonetheless
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So, do not forget to ask
So, do not forget to ask for the amount that suits your repayment capacity.
Various purposes can be fulfilled with unsecured loans UK. Some of the common purposes, for which UK borrowers generally apply for unsecured loans UK, are mentioned below:
?For debt consolidation
?For business purposes
?For arranging wedding party
?These loans can be taken for making holiday trip
?For investing in home, many a borrower in the UK is applying for unsecured loans UK these days.
Can a borrower having bad credit score apply for unsecured loans UK? This question can emerge in the reader?s mind. The answer is yes, a borrower with bad credit score can also avail these loans. This is applicable for all sorts of bad credit scorers including CCJs, IVAs, bankruptcy, defaults, arrears etc. Due to their bad credit score, they may have to pay a higher interest rate on unsecured loans UK. However, by wandering around for a better deal, a bad credit scorer can arrange unsecured loans UK with flexible terms and conditions.
Unsecured loans UK is a perfect choice for those borrowers who do not like to put their property at risk for the sake of availing loans. Even more, these loans also facilitate non-homeowners to head into loan market.
Pamella Scott is an author who can certainly identify your kind of loan.To find unsecured loans UK,secured personal loans, unsecured holiday loans,secured home improvement loans in uk that best suits your need visit http://www.easyfinance4u.com.
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Contact lenses have been
Contact lenses have been a boon for children in one particular sense. They do not get picked on at school by their friends. This relieves them from the psychological and physical traumas related to wearing glasses.
Glasses, at times do not work, and contact lenses are certainly superior to them:
Thick glasses are required in cases of severe short sightedness, making them very heavy, and your eyes look very small.
Glasses do not provide adequate correction when the difference between the visual acuity of your eyes is more than 2.5 diopters – a unit of measurement of the refractive power of lenses. After cataract removal, your eyes need a special protection, which only contact lenses can provide adequately. With improvements in technology, a wide variety of contact lenses are available, both for ophthalmic, as well as cosmetic uses. People who normally wear glasses can easily and safely shift to wearing contact lenses. People had many misgivings about using contact lenses, and opted for glasses, but these are no longer hold true.
There was a time when contact lenses used to pop out, and this was during the time when contact lenses were hard lenses.
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Comments like ?You will back in
Comments like ?You will back in the city within 3 months?; ?What will you do with yourself? and ?But what exactly are you going to do?? were familiar responses. Try as I might to explain the desire to attain a more integrated life rather than the juggling act associated with work/life balance, people were baffled as to what I was doing. However, this all changed when I replied ?I am taking a sabbatical?. Sighs of relief were heard from all quarters as people said ?Ah, that?s what you are doing!? Suddenly I could be compartmentalised and therefore understood and related to more easily by others.
I now struggle with answering the question when new people I meet ask me what I am do. I flounder, wondering how one label could possibly explain the enormity of internal changes that are taking place as I explore a more integrated life. ?Am I a psychologist, author, management consultant ? all areas in which I have worked ? or someone on sabbatical??
What does this example reveal? I believe it reveals something fundamental about the anxiety that arises when we are unable to pigeon-hole ourselves and other people.
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A lot of
A lot of people prefer to purchase one special occasion like birthdays, anniversaries, graduations and holidays. Another nice option is to visit an art gallery or museum where you may come across artistic greetings that illustrate some of the world?s most famous paintings.
On a creative note, you can even make your own artistic greetings which in reality might be the best way to say you care because of the effort and time you took to put the artistic greetings together. Although they can be time consuming, they are well worth it.
It can be overwhelming to think about making artistic greetings for everyone on your list but with some careful planning you can spend a few hours to it and possibly even get other family members to assist you.
If you are the parent of school age children enlist their help in making artistic greetings that you can send out during the year.
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Cables need to be laid in ducts
Cables need to be laid in ducts to prevent damage from the weather and wildlife and so they cannot be disturbed by general garden activities, digging and the like.
An overall garden lighting scheme should not be too bright so as to annoy you neighbours but must be bright enough for the purpose they are intended. Some fairy lights strung between two trees make your garden look much more inviting than a 1000W floodlight that bathes everything in harsh white light.
Many people only venture into the garden with lights at Christmas when taste and practicality gives way to neon Snowmen and flashing reindeer all done ?for the children? but often a competition between homes to see who can improve on last year?s display. I say why not? It?s the holiday season and anything that brings a bit of sparkle to an otherwise unused area in the winter months is more than welcome.
Other lighting in the garden can be used to highlight specific features. A well positioned spotlight can emphasise the features of a garden statue or a particularly precious tree or shrub. Many ponds have underwater lighting to help you see your fish and outdoor swimming pools often have lights set into the sides to improve vision in the pool.
Whatever route you decide to travel down to light your garden ensure that you have a plan before you start and you will increase your enjoyment of your outside space after daylight hours.
Karen Hughes is a decor consultant, get further lighting ideas at http://www.lighting-capital.com this is your first stop for information about lighting..
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If it’s food or
If it’s food or dirt, scrape the particles with an object such as a spoon, and than start wiping.
Don’t actually rub the stain; instead blot at it so you don’t rub the stain deeper into the rug. With solid particles, using a vacuum cleaner is effective method of clearing the stain area.
Wet It
After absorbing as much as the stain as possible, the next step is to get a cold wet cloth and blot at the stain again. Do this until you are sure that no more of the stain will disappear.
Use Cleaning Product
The next step is to use a cleaning agent to get to the core of the stain. If you don’t have any products from the shop, you can use several household products like vinegar, detergent or nail polish remover.
(Vinegar) ? Mix 1 part vinegar and 1 part water
(Detergent) ? Use a non-bleach washing detergent mixed with water.
(Nail Polish Remover) ? Use a non-oily type
Wet It Again
It’s a good idea to rinse the stain just incase there is residue from the cleaning product used.
The Final Touch
You last step is absorb any excess moisture.
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September 7th, 2010
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