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How to Grow Your Very Own Money Tree

 by: Darlene Arechederra

Okay. So money doesn’t really grow on trees. Unless you plant your own Mighty Money Tree, that is!

Imagine that only a few moments ago you planted a young sapling in your back yard. You gave it just enough water to ensure a good start. Not too much, not too little. You even propped it up with a stake. You’ll continue to nurture it, feed it, water it.

And with each passing year, your tender young sapling will grow stronger. Taller. Healthy. As it ages, your tree can better defend itself from natural predators. Even harsh weather.

Growing your savings account is similar to growing your new tree. Given lots of tender care, your savings account will become your Mighty Money Tree. Use the following tips to ensure a great start. So, grab your shovel and let’s get planting!

Prop Up Your New Savings Account

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To build an account you can enjoy for a lifetime, prop it up with nutrients to help it grow.

a) Feed your account with bonuses. Deposit money saved through cancelled subscriptions. Don’t forget those unexpected windfalls, either.

How about money owed and paid back to you? Be sure to include these amounts, even if they’re small. Small is great — and very do-able.

b) Nurture your savings weekly with money saved from using coupons.

Do you buy items on sale? Take that money you saved and use it to grow your account. Tuck small amounts into an envelope. Deposit weekly.

c) Shower your fund with birthday, anniversary or holiday gifts of money. Refunds, too! This is money you normally wouldn’t have had (or already spent.)

Remember, out of sight, out of mind!

Fiercely Protect From Natural Enemies

Just as you might spray your tree to ward off insects or disease, you must protect your fledgling savings account. It’s precious — and a result of your patience.

a) Avoid spending too much time with others who make it seem ‘natural’ to go through money. They may not give it much thought because spending is a comfortable habit for them.

But you actually have a plan. And you have the big picture of how and when you’ll spend. You will decide the where and why of spending your money. Make your spending thoughtful.

b) Pace yourself as you spend your weekly allotment of money. If you run on $35 per week (for example), that gives you five dollars per day.

Stay just under that five, and you’ll always be a few dollars ahead. You’ll also be less tempted to tap your savings.

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c) Practice ‘tough love’ with chronic spenders who repeatedly borrow your money. Give yourself permission to state firmly that borrowing your money is ‘not’ an option. Remove the stakes that prop up others’ spending.

Say yes to protecting and taking care of your money. It will be there to support you, your family, and your true needs.

Promote and Maintain Healthy Growth

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Small amounts add up big time, so keep money coming into your account on a regular basis. Keep it growing!

a) Remember ‘why’ you set up your account. Know your balance at all times. Keep your eye on the bigger picture.

Will it help you pay for a gently used car, eliminating future car payments year after year? Is it your ‘freedom from working for others’ fund?

b) Begin with one great strategy, and use it to create a steady stream of money to feed your account. Will it be a direct deposit through payroll?

Will you fund it by using only dollar bills, and setting aside all change at the end of each day? If so, scoop up your change and deposit weekly.

c) Each month, find a new, creative way to put more money in your account. Then find another method and repeat for a month. Keep the top three or four methods which seem to work best for you. Toss the rest, because you want methods that work for you consistently.

Need a starting point? Why not begin with spending ten dollars less at the store each week? Tuck your ten bucks into your savings account. It’s simple, and it won’t leave you feeling deprived.

Lastly, feel the wonder of knowing that your money tree will continue to grow. Like a faithful friend, it will remain at your side. Your champion in good times, a comfort in the rough patches of life.

It has the power to draw your dream out of the darkness and into the light. How long have you had that private, special dream? Only you can know.

Now, what would ‘you’ do with your own Mighty Money Tree? Plant one today! Prop it up. Protect it. Watch it grow.

About The Author Author and ezine editor Darlene Arechederra inspires busy women to put the simple back in saving their money. Her complimentary newsletter serves up heaps of motivation with a unique, down-home style of writing. Join her today at http://www.RatRaceRemedies.com.

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Private Student Loans dispelling the myths

 by: Vanessa McHooley

Private Student Loans dispelling the myths

If savings, grants, scholarships, and federal loans don t cover the cost of your education, it s time to turn to private loans. But young college students can t qualify for a private loan, can they? Wrong! This article addresses this and other myths about student loans that you may run into.

I don t have any collateral, so I can t get a private loan.

Private loans are usually unsecured, which means no collateral is required. On the downside, this may also mean a higher interest rate.

I don t have a good credit history (or no credit history at all)

Since the government doesn t back private loans, your credit history is a consideration in being approved for a loan. If your credit history is bad or non-existent, you may be subject to a higher interest rate. And remember, you can always get a co-signer. Pay your loan off on time, and soon you will have a good credit history!

I have enough funds for tuition and fees, so I can t get a private loan

In addition to paying tuition and fees, funds from private loans can be used to cover living expenses, supplies, computers, and other everyday living needs.

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I can t afford to make payments on a loan while I am still in school

For most loans, your principal and interest payments can be deferred while you are enrolled in school. Another option is to make interest payments while you are in school but defer paying off the principal. Your interest payments might even be tax-deductible!

I missed the deadline for applying for financial aid this year

You can apply for private student loans any time there is no deadline. Depending on the financial institution you choose, you can be pre-approved in minutes and have the money (which will be sent directly to you) within a matter of days.

I don t have a bank to apply through

Private loans are offered by thousands of banks, credit unions, and other financial institutions. Just search the internet for private student loans and you will find many places to apply to.

If you need the additional funds provided by private loans, don t let myths and misconceptions keep you from applying!

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This article is distributed by NextStudent. At NextStudent, we believe that getting an education is the best investment you can make, and we’re dedicated to helping you pursue your education dreams by making college funding as easy as possible. We invite you to learn more about Private Student Loans at http://www.NextStudent.com.

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About The Author Vanessa McHooley My goal is to help every student succeed - education is one of hte most important things a person can have, so I have made it my personal mission to help every student pay for their education. Aside from that, I am just a pretty average girl from SD.

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War Declared On Instant Messenger: How to Stop Your Child from Wasting Their Life Away Online

 by: Christopher Pizzo M.Ed.

Hey Parents! I hate to tell you, but there is no such thing as useful instant messaging . Your crafty child might try to take advantage of your lack of Techie know how when they say in that whiney voice… But Mom I m IMing my friends about homework. Don t buy it! They are simply playing up the school is important bit so they can get you off their back.

To be fair, yes kids might spend a couple minutes discussing their school assignments. But for every 30 seconds of actual work, another 30 minutes are lost in useless chatter with the hundred or so friends on their buddy list! And if your child consistently pulls the I didn t know the assignment excuse, then bigger school problems than instant messaging are on the horizon.

You can easily stop the hours upon hours of instant messaging with one simple gesture PULL THE PLUG! Now, I don t really mean to literally pull the plug out of the computer on your child. The last thing we want to do is get into a power struggle with your child, or break your $1500 computer.

No, what I mean is simply lay down the law. Allocate a specific period of instant messaging time per day. One hour of IMing is not going to kill anyone or their social life. And in that one hour time slot they will have plenty of time to discuss homework, their teacher, the new kid in class, or whatever.

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Right now you might be saying, That sounds great Chris, but what happens when my kid refuses to adhere to the allotted time? When your child disregards your house rules it simply means they have too much free time on their hands. We all know that idleness is the devil s playground. It might be time to up their chore responsibilities. Or sign them up for an after school art class or even a sport or karate. Sometimes the best answer is to simply spend some quality time with them. Set up a time each day to play scrabble, take a walk or cook something together. It really doesn t matter what it is, just play to your kids interests and keep them busy.

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The internet is a great tool, especially when it comes to education and homework. In the future we can expect to see an even greater merger of it with our every day lives. However, right now it s the great stealer of time. Getting sidetracked is very easy, (as some of you might know) and with the media induced, shortened attention spans of our children, whole young lives could waste away online. Teach your kids to use the Internet and Instant Messaging as intended. Sometimes we use it for work; sometimes we use it for play. Just be sure your kids know the difference between the two.

About The Author No doubts about the clarity of this excerpt, still the persons are doubtful about its gains. This write-up is an embellishment for those people who were on the lookout of . But few were unfortunate. You are the excellent judge for . To analyze if the report holds some significance for you, you can comprehend it till the final word. Chris Pizzo is the President of Noble Learning Systems Inc. and the developer of the NEW Amazing Homework Motivator program. Why are thousands of kids happily sitting down to do their homework each and every night?…Without a fight, an argument, or even a reminder? Click here now ==> http://www.HomeworkMotivator.com

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Why Education & Work Experiences Are An Effective Leadership Development Program

 by: Stephanie Tuia & CMOE

Reflect back to your education and to as recent as the previous job you held. Ask yourself how you have reached your current level of leadership and how your skills have developed over time. During this time, you were most likely exposed to a number of activities and experiences that evolved into your own personal leadership development program. Many of these skills and learning developed over time can be applied to your current workplace. Let s look at how you can make the most out of past experiences and apply them to your current work situation.

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PAST - BEING A PART OF A TEAM

You may have been a part of a basketball team, a support group, or a local community effort. This type of active involvement helps to fine tune leadership skills such as delegating, empowering team members, and learning to communicate effectively. Being associated with teams gives an individual a chance to be a part of something, work together among counterparts, and contribute to a shared interest.

CURRENT APPLYING EXPERIENCES TO WORK

By experiencing a team environment outside of work, you have the opportunity to share many skills and capabilities that will take your people and organization to the next level. As other team members become leaders within your organizations, they will also recall past experiences and what it means to fulfill a selfless work ethic and build healthy relations among work associates. Good leaders will not segregate themselves away from their subordinates, but involve themselves fairly among a workload, and help lead and guide others from their personal leadership development program.

PAST - TAKING OWNERSHIP

Deciding what we want to do with our life (continue school, find a career, or start a business) is when many of us first experienced a true sense of ownership. At some point there was a discovery that really piqued your potential interest. Through a variety of educational classes, job searching, or through trial and error, you narrowed your focus to the best fit or option; then came learning for the experience of others.

CURRENT APPLYING EXPERIENCES TO WORK

As an apprentice we learned many tricks of the trade by shadowing our mentors or being observant or passionate about their work. Now as mentors, we need to focus on instructing or guiding others to learn effective and efficient work skills to provide credible and productive results for the organization. Law, medical and business schools are prime examples of educating students so that they can take ownership of their profession and eventually contribute to their field.

PAST - STAYING AHEAD OF THE COMPETITION

After formal education, many people are optimistic and confident that they will get the dream job fresh out of college. Like hundreds of thousands of students graduating at the same time, you compete against qualifying candidates as well as experienced professionals vying for the same job. The job outlook at the time was probably overwhelming and sometimes frustrating, but your competitive circumstances kept you driven to contend among your counterparts and stay ahead of the competition.

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CURRENT APPLYING EXPERIENCES TO WORK

In our day to day work environment, we must also be competitive to stay ahead of the competition. Through positive encouragement, thinking strategically, and feeling the drive to compete will help us stay ahead. For some it may be of value to provide a leadership development program that will increase an individual s work potential. This will keep them ahead of the game and help them to be on top of the competition.

Every team provides leadership opportunities for the individuals. By being cognizant of how personal leadership development programs the above three benefits, it will give us the opportunity to help individuals develop leadership qualities essential to beating the competition in our fierce business environment.

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About The Author Stephanie Tuia and the CMOE Development Team have collaborated on content writing for http://www.cmoe.com/cmoe.html. If you would like more information about a leadership development program for your organization, visit http://www.cmoe.com/leadership-development-program.htm or contact us toll free at 888-262-2499.

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Pin the Tail on the Oil Donkey

 by: Austin Culley

For all your kids out there trying to come up with an essay topic to write about, why not bump those grades up by doing a little research on oil. Not peanut butter oil, or olive oil, but oil - the kind that helps to run the car you hope to one day drive.

Donkeys

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Now, first of all, what exactly is an Oil Donkey? Well, it’s actually called a Nodding Donkey, and what a Nodding Donkey does is help pump oil out of the ground so that we can get our paws on it. You can find a good picture of one of these donkeys at http://en.wikipedia.org/wiki/Nodding_donkey. As a matter of fact, outside of this article, you could probably find a whole lot of information about oil, otherwise known as petroleum, at this Wiki Web Site. It’s a great resource for information.

Dinosaurs and Diatoms

Oil is considered a “Fossil Fuel”, meaning that it is an organic substance that comes from the fossils of animals who have long parted the earth. Many people think this means that oil comes from dead dinosaurs; however, it is more likely that oil was formed from the bodies of very small creatures such as diatoms and foraminifera.

Decomposition

After a long period of time, the skeletons of these fossils decompose to turn into thick deposits of mud. Over thousands of years, layer upon layer of this mud builds up, and the lower layers become hard as rock. Time, pressure, and heat caused from the earth’s core is what is believed to turn this organic decomposition into crude oil and natural gas.

Drilling

Deep within the earth there are a few different places where oil and gas pockets can pool together. One of these places can be in porous rocks, such as sandstone, which is a rock that has spaces in it and looks like a sponge close up. This is one of the places we collect oil from by drilling a well hole deep into the ground to get to it. After the well hole is drilled, the oil is pumped out and refined into different products we use in everyday life, like to run our cars and heat our homes if it gets cold.

Our Dependence on Oil

You see, this is a great subject to do an essay on because oil is an important part of our lives. We depend on it for many things that help make our lives more comfortable. Good luck with your essay, and I hope you get an “A”.

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Question: I know I have read it but I can’t remember the Feng Shui remedy for one who has their back to the kitchen entrance - is it a crystal hung in the doorway or a wind chime?

Thanks, Leanne

Answer: Howdy Leanne,

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Unfortunately the “cures” that you mentioned are based upon witchcraft / magic / superstition and have no grounding in Traditional Chinese Feng Shui……

To hang a wind-chime inside where it will not chime by itself can actually have the potential to attract Spirits (ghosts) if you have a Flying Stars combination there of the following stars - 2, 5 & 6, this is especially so if the area is excessively Yin (dark, damp, cold, etc…).

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Try a mirror, if necessary, so you can see who is coming and going behind you, and have happy thoughts whilst cooking and preparing your foods, this is a basic fundamental principle of Macrobiotics. Your energy is imprinted upon your food as you prepare and cook it.

All in all, use your logic, and keep it so that nothing looks out of place, and always remember that you have the power to overcome more than Feng Shui could ever dreamof, just through living a good, honest life!

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All the best, John Mausolf
Pure Feng Shui Freebies
http://www.purefengshui.com

About the Author

John has trained with many Masters of Feng Shui since 1997, and now chooses to freely share his knowledge through his extensive free online courses and articles at his site. http://www.purefengshui.com

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Nourish The Imagination With DVD Learning

 by: Paul Hegarty

Have you ever seen an apple fall from a tree? One day a man with great imagination saw that commonplace thing. His imagination seized upon it, and he propounded Newton s theory of law of gravitation. Another man sees his mother’s teakettle boiling. He observes that the lid is raised by the expanding steam. His great imagination starts from this homely detail; and he gives to the world–the steam engine.

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And so we might go on indefinitely. Enough, perhaps, to repeat that the world’s inventions have been possessed of fine and daring imagination, and that, without great powers of imagination, there can be accomplished no great or important work of any nature whatever.

Perhaps you feel that your own imagination does not always serve you as well as it should; perhaps you are wishing that it was better–that you could produce in it such improvement as to enable you to create some good and worthy thing in the world. In that case I am glad to be able to tell you that, of all the powers of the mind, none is capable of being so easily, conveniently, and rapidly cultivated as the imagination. And I may remark that, as in the case of other faculties, the means taken to cultivate the imagination will at the same time necessarily train and strengthen the mentality in every other direction.

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First of all, it must be understood that the act of imagining, of bringing images before the mind, is not a separate function of the mentality, but that it is closely interwoven with, partly consists of, in fact, several other of the mental faculties. So in developing the power of imagination we must first speak of these other faculties which are really a part of it. If we study an act of imagination, we shall find that first of all we must have some material for our image.

To most people the act of imagination means the creation of something entirely new. They think that the picture created by the painter, the poet, the novelist, is new in every detail. Now, this is a radical error. The artist does not create anything that is entirely new. And this for a very good reason–there is not and never will be anything entirely new. Now, as in the days of Solomon: “There is nothing new under the sun.”

You may imagine, for instance, a green horse with purple wings. You say: Surely, that is an entirely new idea. I say: No, it is merely a new combination of four very old and commonplace ideas–a horse, a pair of wings, and the two colors, green and purple. And so in all creations, no matter what they may be –however new they may seem–it is only the combination that is new. The materials combined are old, as old, very often, as human thought itself.

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We see, then, that the first raw material for imagination is our percepts–the things we have seen and heard and felt and smelled and tasted. And it seems hardly necessary to state that the better service we have gotten from our senses and perceptions, the more clear and vivid will be our power to bring before the mind images made up of those things. The first task, then, of her who would develop her power of imagination is to educate the senses.

In cultivating the power of imagination, then, we must begin by educating perception, memory, and association. Educate your senses using visual examples through DVD learning. You can be entertained and educated at the same time. Allowing you to grow the raw material needed to have an adventurous and vital imagination.

About The Author Paul Hegarty is the owner of http://www.learningfromdvds.com/ A guide to educational DVDs with price comparisons, reviews, and free E-books. Read this month s incredible e-book on Mental Efficiency . Grab your free copy today.

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Geomag Magnetic Toys

 by: Anton Komarov

There are many different types of magnetic toys that can be purchased for children. Most of these toys are extremely fun for children as well as adults. Many of these toys are also educational in addition to being fun, which is great for parents who enjoy educating their children in entertaining ways. Magnetic toys can be purchased from toy stores, educational stores, and online.

Educational magnetic toys can be very useful in the lives of children. They can teach children about geometrical shapes, building structures, magnetism, and the effects of gravity. Most of these magnetic toys are only recommended for children who are five years of age or older. Magnetic toy kits may contain small parts that could be hazardous to small children if swallowed. Therefore, it is best to purchase these toys for older children.

There are a few different types of magnetic toys that can be purchased. One of the most popular types is Geomag. Magz are also popular and are very similar to Geomag. Both of these products can be used to create magnetic structures. Frigits are an example of a different type of magnetic toy because they are used to construct marble courses on a magnetic surface instead of structures.

Geomag is a magnetic toy kit that allows children to build various magnetic structures. It comes with different magnetic shapes, including steel balls and bars for building. The magnetic pieces in each kit are strong, so structures can stay intact, but they can also be put together and taken apart easily. Geomag toys are made in Switzerland and are known to be very durable and high in quality.

There are a few different types of Geomag kits, including a 132 color piece set, a 184 color piece set, a 184 piece glow-in-the-dark kit, a 20 sample size set, and an 86 piece magnetic construction set. You can also purchase a panel kit that includes additional magnetic shapes such as diamonds, squares, triangles, and pentagons. The panel kit can be used in conjunction with any other type of Geomag kit.

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Magz magnetic toy kits are similar to Geomag kits because they contain magnetic bars and steel balls for building structures. The basic set includes 56 pieces so you can build small structures. If you need more pieces to make medium or large structures, you can purchase a Mega Magz set which includes 130 of the same magnetic pieces.

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Magz sets are unique because each kit comes with different shapes, sizes, and colors of magnetic pieces. The DynaMagz kit has a variety of unique shapes and the Magz X kit has X shapes in addition to the regular shapes. In order to build larger, sturdier structures, you can also purchase a Super Magz kit which contains more pieces and larger bars and balls than other Magz kits.

Frigits magnetic toys allow children to construct marble courses on a vertical, magnetic surface. The pieces in a Frigits kit will work best on flat surfaces such as a refrigerator or filing cabinet. Each Frigits kit comes with magnetic rails, buckets, chutes, a catch box, and a ferris wheel. Children can position these pieces in any fashion that they desire on a magnetic surface. After creating a course, kids can enjoy watching a marble tumble through the formations that they have built.

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About The Author Anton Komarov - I am a co-founder of http://www.greezle.com project. I like magnetic toys and collect them. Geomag is my favourite.

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Putting Your Money Where Your Mouth Is: Why Dental Office Management is Such a Hot Career

 by: Cathy Warschaw

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There are many different career paths in the dental field today. Choices include a wide range of positions, such as: hygienist, assisting, and lab technician.

Yet perhaps no other career in the dental profession is more accessible and exciting than that of the office manager. The dental office manager works much like the conductor of a large orchestra — his/her job is to organize the many different aspects of a dental practice into one cohesive unit. This person serves both the patient and the dentist, and is able to juggle both responsibilities equally well.

The dental office manager is usually the first and last person to meet and greet the patient. He/she registers patients, arranges laboratory and hospital services, schedules appointments, verifies payment information, protects patient privacy, and even processes insurance claims. Serving as the face of the practice and being actively involved in the healthcare of others is one of the most enjoyable facets of this line of work.

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A dental office manager also enjoys the opportunity to assist the dentist(s) in maintaining a well-organized, cost-effective practice by handling the day-to-day operation of running an office. He/she may oversee personnel issues, handle payment and billing duties, maintain accurate and complete patient records, as well as, an equipment and supply inventory. Helping an office to run smoothly and effortlessly in order that all staff can perform their job well can be a rich and satisfying experience.

Choosing a career in dental office management provides many opportunities to use a cross-section of skills, such as, effective multitasking, communicating with diverse groups of people, and team leadership. Entering this field can be a quick and easy mission with the right training and assistance from a qualified learning institution.

Get ahead of the game by choosing dental office management today. Most entry-level positions enjoy salaries that start around 23,000 and a job growth that continues to rise at a steady rate. There s never been a better time than now to explore a rewarding career in dental office management.

“Changing Lives…One Career at a Time.”

About The Author Cathy Warschaw All right! Can you experience an enrichment to your perception on panic disorder? I’m dead sure, you must have felt it. Don’t forget to read the pages on health. They may be advantageous for you. We would offer you with resources at the close of this write-up. The Warschaw Learning Institute has grown to become the leading online dental office training among today’s dental professionals, adults changing careers and high school seniors. Contact Details: Warschaw Learning Institute 8424 Santa Monica Blvd. #A-170 West Hollywood, CA. 90069, USA http://www.warschawlearninginstitute.com (323) 822-0917 Copyright 2005 by Warschaw Learning Institute You may copy and use this article in your newsletter as long as you print the complete article including the contact details. Thank you.

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My husband and I have a 12-year-old daughter who wanted to go to a winter retreat with her church youth group last year. Price of trip $45. I told her I’d talk to her dad about it. “HOW much is it?” he asked, “didn’t she just go somewhere with the youth group?” “Yes,” I replied, “and also to two friends’ birthday parties. Another one is coming up this weekend.” We both agreed that was a lot of money for us to spend for our daughter to have fun with her friends.

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But the retreat was a church activity. So we should have forked out the money for her go, right? Well, maybe. In the past year or so our daughter had made a lot of new friends and had been asked to be involved in a lot of new social activities. Last summer was the first year we could afford to let her go to summer camp for a week. It pleased me more than anything to tell her she could go.

The more we’ve let our daughter go do things with her friends, the more she takes those things for granted, and expects more. She then resents doing something so menial as her household chores. So now we make sure her chores are done before she goes anywhere. “Room’s not clean, laundry not started? Better hurry and do them before you go do something with your friends. Don’t have time? Then I guess you’re out of luck.” But that was only the start. Whenever the attitude starts in she’s given a warning and then privileges start being taken away, one by one.

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You have to figure out what works for you. You may have to teach each child individually, because each is motivated differently. If your children cheerfully hand over their allowance every time they don’t take out the garbage, you should take some other privilege away.

Resist the urge to give your children too much allowance. Don’t buy them things that they can save money for themselves, like designer clothes, CD’s, magazines, make up, video games, etc. Even young children can be taught to save for small things. Almost nothing makes me more sad than seeing children who take their allowances for granted and never have to work for it. Parents aren’t doing their children any favors by teaching them to expect everything to be handed to them. We sacrifice, and they don’t appreciate it. Why should they? They don’t have anything to lose.

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So did our daughter get to go on her retreat? We decided she could go if she paid $20 of the $45. She was not happy about it. She only gets $3 a week allowance, and she was saving her money for a new CD. She stewed about it for awhile, and then forked over what money she had. We worked out a payment schedule for her to come up with the rest of the money before the weekend of the retreat, and we let her do extra chores to earn a few more dollars. Are we guilty of child abuse? Our daughter thinks so, but her dad and I know better.

About The Author

Rachel Paxton is a freelance writer, mom, and owner of four home and family web sites. For complete resources for the Christian home, visit her web site at http://www.Christian-Parent.com.

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