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Summer is right around the corner and most of us have our to-do-lists figured out, mentally, if not written down yet. Bible camp for the kids, plant a large garden, and a trip to the lake. What about financial housekeeping, shouldn’t that be on your list too?
Early summer is a great time to take a financial breather. The holidays are a long way off, the taxes have just been paid and we’re spending time eating in the backyard instead of dining out.
If you take even one day out of your summer play/work and organize your finances, you could cut down on the forest of bills, bank balancing, and paperwork facing you all year long. Now is even a good time to take a look at your retirement and investment accounts and check up on your insurance coverage.

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Getting Started
Starting with your bank papers, check out how many savings and checking accounts you have and minimize them. I like to have two checking accounts for the house, one is used only for the regular bills and the other is for household items and irregular spending. Two savings accounts are enough as well, one for long-term saving and the other for short-term.
Another time and paper saver is if you set up an automatic deposit of your paycheck into your checking account, and then set up an automatic payment from your checking account into your savings, investment, or IRA accounts. Even if you pay yourself only $10 a week, it adds up over the year and is a good discipline to learn. You can even use automatic deposits to save money for Christmas presents, a vacation or other “special occasions”.
If you are technologically savy and comfortable with the idea of electronic payments, consider using e-payments to pay your regular bills, such as mortgage, electric, or car loan. Don’t let the companies do electronic with-drawls for you. How do you guarantee that they took the right amount, and if they made a mistake (which happens) how do you get the money back? It is a lot simpler and potentially safer for you to do an electronic bill-pay through your bank.

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Another step
In 2001 the Economic Growth and Tax Relief Reconciliation Act made it easier for you, the investor, to consolidate your retirement accounts and still retain the tax-favored treatment of the money. Prior to this act, advisors frequently told their clients to keep retirement accounts separate to save on taxes.
Now you can take eligible distributions from tax-qualified plans, 403(b) and 457 pension plans and other types of plans like the IRA, and roll the money into other tax-qualified plans. The purpose here is to consolidate your multiple plans into one or two accounts. This’ll make it easier for you to keep an abreast of what your money is doing. With fewer accounts, you’ll have less confusion, hopefully everything is on one statement and if you have questions or need to make changes you only have to talk to one representative.

Coverage Checkup
Instead of merely simplifying your financial life, you should also make sure that you are providing adequate protection. It is a good idea to have insurance on your home, your health, your car, your loved ones, and your income. Don’t forget, though, you can over do it and have too much insurance. You need to decide what level of self-insurance you are comfortable with.
The law requires you to carry automobile liability insurance is required by law. At the least you should have term life insurance to replace your income and help your loved ones with debt and living expenses. Homeowner insurance is important in case your home becomes unlivable due to fire or other incident.
Again, if you can get your insurance through one provider, your life will be simpler with fewer agents to visit with. Perhaps you can even have access to your account through the Internet. The less effort it takes to understand your coverage and to make changes, the less stress and the more time you’ll save.

Final Items
When was the last time you updated your will? If it was more than a year ago, you might want to do it again. Assets increase or decrease, potential inheritors are born, and maybe you’ve decided that you’d like to leave a little something to your church. Updating your will is a good way to make sure your final wishes are carried out.
Putting some of your assets in a trust can save on probate costs. Also if you become incapacitated the trust can manage funds for people with special needs - a child who needs extra care, for example. A trust is also another way distribute your assets to children or grandchildren at a specific age, such as when they reach age 25 or have children of their own.

Ultimately, you will have to decide just how much consolidation of planners, agents and financial management you want to do. Once you’ve cleaned house on your finances, spending an afternoon in the hammock will be a lot more restful. Having a peace of mind about your financial affairs is truly a good feeling.

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About the Author

Roger Sorensen is a Financial Author and Speaker, and the editor of Money Basics, a monthly personal finance newsletter found online at www.brighterfutures.com. After filling in his own debt pit equal to 150% of his annual income, Roger has turned the experiance into Brighter Futures, a Financial Literacy company. “There is hope for you, no matter how large your debt load might be.”

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Don t Let Distance Hold You Back From An Online Degree

 by: John Sanderson

For many young Americans the possibility of getting a higher education is really not a feasible option. They may not have the family resources to pay for the costs, they may not have the marks or academic ability to get a scholarship, or they just might live in a rural or remote area that is simply not close enough for them to attend and afford to go to college.

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You may have to accept your family s financial situation and it is a little late to develop an athletic prowess, but you should never let distance hold you back from learning. And now you don t have to. Distance learning can bridge that physical gap and let students of all ages from even the most remote or isolated communities fully participate in furthering their educational goals.

Many colleges, universities, and technical institutes now offer distance learning programs that allow everyone who has the ability complete online training programs that can even grant degrees and technical certifications. To find out what programs are offered in your state simply search the World Wide Web to see what is available and what criteria you have to meet. Usually if you graduated from high school you can apply for a myriad of distance learning programs that offer you the opportunity to pursue the education that will allow you to enter your dream career field.

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Some distance learning schools will even offer subsidies and support to low income students and there are special programs for veterans of the military. Many offer pay as you go, or half now and the rest later payment plans so that you don t have to fork out all of the money upfront. They also make textbooks and course materials available online so that you don t have the expense of purchasing books that you know you will only use once. In addition they make their vast libraries available to distance learning students to enable them to browse and read reference material at their convenience.

Best of all you don t have to relocate to go school. That means that you can continue to live at home while you are going to school and if you want to keep your part-time job it won t be a problem.

Distance learning removes the final barrier to many students getting a higher education. There s no longer any good excuse for not realizing another of America s dream, the opportunity for every child to attend university or college and distance learning makes that possible.

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~~~~~~~~~~~~~~
Results of the Spanking Poll on Rexanne.com:
Voters - 233
Percentage of readers who do not spank their children: 37%
Percentage of readers who spank their children: 62%
~~~~~~~~~~~~~~

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I am completely opposed to spanking. I know that almost twice as many of you spank your children as don’t. At the risk of alienating 62 percent of my subscribers, I cannot, in good conscience, keep my opinions to myself.

I feel we have evolved enough as a society to understand that violence breeds violence. Hitting is physically violent. So is spanking. I do not believe spanking children teaches them to mind their parents or caretakers any better than other forms of constructive discipline. If it is unacceptable to hit an adult, what makes it acceptable to hit a child? Taking into consideration the parent or caretaker is most likely three times the size of the child, doesn’t this bring up issues of bullying?

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Many of the comments left on the spanking poll mentioned a biblical reference, “Spare the rod, spoil the child.” When we consider that the bible was written thousands of years ago, we must also take into consideration that we may have advanced to the point where biblical interpretations are probably not to be taken as literally as they once were. I do not believe parents should spank their children into submission, any more than I believe criminals should be stoned to death by the masses, as was the custom so many years ago.

Many parents (myself included) have neglected to replace spanking with another solid form of discipline. Refraining from spanking our kids does not negate disciplining them. We have created a generation of children without boundaries in our zeal to adopt a kinder, gentler parenting style. While I am thoroughly delighted that many parents have decided not to spank their children, I am saddened by the lack of respect for authority in so many children today. Without limits, children are insecure, always testing the boundaries … begging to be corralled for their own safety. In removing physical punishment, we need to find a healthy replacement.

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Another comment mentioned often in the spanking poll had to do with spanking a child “out of love.” I think this means the parent is disciplining their child because they love them. Yes, by all means, discipline your child when needed. My only request is that you consider not raising a hand or your voice to them in order to accomplish this. My methods have been to remove a privilege, after a warning. It might not be the best form of imposing limits on children but it works pretty well with my daughters … most of the time.

One interesting comment was from a mother who said she only spanked her child when the kid was outright defiant. Well, you know, I wanted to consider that option for about two seconds! When my older daughter is defiant, my immediate instinct is to smack her … but I don’t. She is now an inch taller than I am and almost outweighs me. Not a good time to start swatting her butt. She’d either laugh at me or hit me back. Neither option seems conducive to maintaining authority! As much as that option sounded tempting, it is not the answer. If we are to grow as a people, we need to adopt more humane methods of teaching our children to behave.

The comment that disturbed me most was from parents who said they did not spank their child “right away.” The child is told they are going to be spanked while the parent goes somewhere else to “calm down” before doling out the dreaded punishment. Sorry, this one gives me the willies. To me, this is a method of psychological torture. Imagining a small child, probably a toddler (or an adolescent reduced to a toddler’s fears) in this situation tears at my heart. If I were a child, waiting patiently for a spanking, I think I would seriously consider running away. Why stick around for a parent who is going to come back, irrationally calm in the face of my utter terror, and let them hurt me? I do not think this is a good idea, no matter what the circumstance. I would rather see a parent swat a kid on the butt from sheer frustration, as in the situation with a defiant child, than meditate on it a while and then do the deed. I’m sure I have just contradicted parenting advice many of you have heard by experts. These experts do not rate one inch in my life. I cannot imagine a competent child psychologist thinking that this is OK.

I am 100% committed to a no-spanking philosophy. I believe spanking will be outlawed in most countries within a few years. This practice has been a traditional tool of discipline for far too long.

Please, my dearest readers who do not share my opinion, I ask that you consider the alternatives. Many parents spank, simply for lack of a better solution. There are other solutions. It’s not always easy, I know. Spanking is probably the easiest method of momentarily whipping a child in line, however, if we are armed with alternate choices that really work, we will be better parents.

About the Author

Rexanne Mancini is the mother of two daughters. She maintains an extensive yet informal parenting and family web site, Rexanne.com http://www.rexanne.com -Visit her site for good advice, award-winning Internet holiday pages and some humor to help you cope. Subscribe to her free newsletter, Rexanne s Web Review, for a monthly dose of Rexanne: http://www.rexanne.com/rwr-archives.html

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Are We There Yet? Study Examines The Family Vacation From Hell

 by: News Canada

(NC) You’ve done your research, made your reservations, and packed your bags. You’re going to have a wonderful family vacation, right?

Think again.

“Canadian society has created this concept of holidays as the opportunity to build family memories and family togetherness,” says Susan Shaw, a sociologist at the University of Waterloo. “People believe in the ideal family vacation. And this belief may set them up for disappointment.”

Shaw studies the highs and lows of family holidays. Funded by the Social Sciences and Humanities Research Council (SSHRC), her project will help Canadians plan vacations that actually feel like leisure time.

Shaw believes that holiday disagreements are often related to parents’ faith in the family vacation as a getaway with “the goal of learning to give and take, respecting each other, and understanding people’s needs.”

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These are positive aims, Shaw emphasizes, since, when they are met, families feel like they’re getting along well and learning more about one another in an environment that fosters feelings of togetherness.

But parents’ ideals may conflict with children’s hopes and expectations, triggering disastrous holiday fighting. After all, while parents tend to be focused on building family bonds, children usually just want to have fun their definition of which may differ from their parents’.

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Even if parents have tailored family plans to interest everyone involved, many children often prefer the sense of independence that comes from doing something by themselves. “They’re not thinking, ‘This time together will be good for my family’,” says Shaw, who found that many parents believed their children would appreciate the focus on togetherness as they grew up.

“Family vacationing for parents is work: it can be fun and satisfying, but it’s not really relaxation in the normal sense because its success is so important to them,” she says. “Parents often come home from a vacation and feel they need another one.”

Shaw’s research will help overcome this feeling by guiding travel consultants as they design family travel packages, and counselors as they negotiate conflicts between parents and children.

You’ll find more information about projects supported by SSRHC on the Council’s Web site at www.sshrc.ca.

- News Canada

About The Author News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web. Do you believe this write-up is versatile enough to cater to the demands of all folks? This excerpt is an embellishment for those people who were on the lookout of why men love to fight. To few, unyielding! As a connoisseur who is searching for why men love to fight, only you can fairly decide if this helps. Have a look at this till the close to feel if it works for you. News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial “fill” items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.

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Freedom of Religion

 by: Skye Thomas

We were all taught in school that our forefathers left England to escape religious dictatorships. Okay, there was a lot more to it then that, but it was a big enough deal that they made sure it got honorable mention in our rulebook. They clearly made the point that we were to have freedom of religion here in America. They also used the word “God” in some of their formal paperwork and even on our money. I don’t want to argue politics here, but rather semantics. They didn’t say “freedom of Christianity,” they said “freedom of religion.” The boys who wrote up all of our formal paperwork were wordsmiths and they debated long and hard to find the perfect set of words to govern ourselves by. It wasn’t decided that we had the freedom to choose whichever form of Christianity that we liked, but whichever form of religion. Religion is in and of itself a much broader concept then Christianity. “God” can mean a lot more then just the Christian definition too.

No, I don’t agree with all the bickering and arguing over whether or not there should be prayers in school or if the Pledge of Allegiance is constitutional. You can’t stop someone from praying whenever or wherever they choose. Nor can you force a prayer out of someone either. It’s a dumb thing to argue about and not worth being offended over either way. I think it’s important to teach out children what our country’s Pledge of Allegiance is, but I don’t know that it’s right to force anyone to state a pledge, especially children. Seems a bit dictator like and kind of like brainwashing. Teach them what it means. Teach them what prayer means. Teach them what making a pledge of any kind means whether it’s a pledge of one’s allegiance to their country’s flag, a pledge of fidelity to a spouse, or a pledge of loyalty to a boss. But also teach them that in this country we have the freedom to make pledges or not. Teach them that in this country we have the freedom to pray to whoever or whatever we likeand the freedom not to pray. Teach them just how important that freedom is.

I’m saddened when I hear of Pagan’s being persecuted for their spiritual beliefs in this country. Did the Sunday school teachers forget to mention that using the colors green and red for Christmas is Pagan? Did they mention that Christmas lights, yule logs, and wreaths are all Pagan? Did they mention that almost every single Christian holiday is celebrated ironically on top of a Pagan festival? Why do you think we have bunnies, baby chicks, and pretty flowers as part of our Easter celebration? Because it coincides with the Pagan’s celebrations of Spring’s renewal. From what I can see, Pagans aren’t all evil ugly witches anymore than all Christians are white supremacists.

I don’t have a deep knowledge of all of the different religions of the world, but I can tell you that it doesn’t take much research to see that they’re all very much the same. Get past which church uses which secret handshake and which rule book you should follow, and you find that they’re all teaching us to respect each other, to love each other, to conduct yourself with honor, and to be good to the planet and animals that we’re blessed with. The rest is all dogma and debatable. Nobody has any real concrete proof that their particular form of God is the only one. Who’s to say that God or Jesus isn’t wise enough to visit more than once using different names and different forms? Wouldn’t it make sense given the size of the planet that the rest of the world would need to be given a fair chance at knowing about God too? Is Buddha so very different from Jesus? Their teachings are incredibly similar. Why limit God to a concept that only fits what your particular culture or region of the world knows about?

Another thing that always puzzled me is why prophets and seers are allowed to channel holy books and tell of the Messiah’s coming, but then we’re told by the churches that being psychic is demonic? It seems a bit contradictory to me. Every psychic I’ve ever met lost power over their visions if they weren’t acting in the highest good. Most of the psychics I’ve met believe very deeply in a form of God or some sort of a higher magical loving guidance over us. They’re visions into the other side created that belief. There’s nothing quite like chatting with the All-Mighty to make a believer out of you. Isn’t prayer in and of itself a form of telepathic psychic connection with the other side?

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It just seems to me that if we quit arguing over what words, labels, and names we give these concepts and quit arguing over methods of prayer and such that we’d see that we’re all so much more alike then we are different. I’ve known three different Catholic men who fell in love with the Buddhist faith because it so beautifully highlights the teachings of Christ. I really believe that is what we’re meant to do. All of the holy books tell us to love one another. You can’t truly love someone if you don’t take the time to really get to know them and what they stand for. Shouldn’t we learn about each other from a place of love rather than from a place of judgement? Nobody can prove that anyone else’s religion is wrong and nobody can prove that theirs is right. Too many translators over the course of history to be able to be 100% sure about anything any more. We can’t really assume that the others are completely wrong and we can’t assume that our own religion is completely right. Religion and God isso much more than we can fully understand at this time.

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Copyright 2004, Skye Thomas, Tomorrow’s Edge

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About The Author Skye Thomas is the CEO of Tomorrow’s Edge, an Internet leader in inspiring leaps of faith. She became a writer in 1999 after twenty years of studying spirituality, metaphysics, astrology, personal growth, motivation, soulmates, and parenting. Her books and articles have inspired people of all ages and faiths to recommit themselves to the pursuit of happiness. After years of high heels and business clothes, she is currently enjoying working from home in her pajamas. To read more of her articles, sign up to receive her free weekly newsletter, and get free previews of her books go to http://www.TomorrowsEdge.net. Skye@TomorrowsEdge.net

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Parenting Strategy, One of the Worst Ever!

 by: Jean Tracy

Some parents rush to serve every squeak and squawk from their kids. “I can’t let my child feel pain!” said one dad. Parents, if you are giving way too much, find out why your parenting strategy may be one of the worst strategies ever.

I remember counseling with a teenager and her mom. The young girl sassed and criticized her principal, her teachers, and her family. She yelled if any of them said:

• “Do your chores.”
• “Do your homework.”
• “You can’t “hang out” with your friends.”

Her mother revealed how her kid got so sassy:

• “I’ve tried to please Suzy (not her real name) ever since she was a baby.”

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• “I’ve given her everything she ever wanted.”
• “Maybe I shouldn’t have done so much for her.”

Bingo! Her mom hit the nail on the head. It’s too bad she didn’t realize it when her daughter was much younger. Now she had a tyrant on her hands.

I believe many parents know the right thing to do but can’t quite bring themselves to be firm. Part of them believes if they don’t ruffle any feathers their children will be wonderful and happy. The other part knows from their kid’s selfish behavior that it isn’t working.

If you want to raise a self-centered kid who will grow up to be a self-centered adult just:

• Give your child everything
• Expect nothing
• Accept disrespect
• Let your child tell you what to do

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• Forget you are the parent

Being firm takes backbone. Parents with backbone know that life isn’t always easy. They prepare their children for life. They are both kind and firm because they:

• Think before they speak
• Say “No” and mean it
• Act consistent and follow through

If you’ve been too kind and not firm, you can change. Expect your child to do everything possible to get you to be a doormat again. You’ll need to suck in your breath and put up with even more hollering and disrespect. Be consistent and don’t get caught up in your child’s tantrums. It’s the best way to change your worst parenting strategy ever into one that builds character.

About The Author The individuals are wishy washy about the productiveness of this artistically written material too. It was a pleasure for those who were hunting for . It was ineffective for a couple of individuals. You can be very productive in your research for before being judgemental about this write-up. As a connoisseur you should think to be patient to understand till the hindmost word. Jean Tracy, MSS, “Granny Jean” invites you to subscribe to her FREE parenting newsletter, Tips and Tools for Character Builders.” Learn powerful parenting concepts that you can use right now! Informative articles written by seasoned therapists with tips and tools you must use to raise your awesome kids with solid characters. Sign up for her FREE Parenting Newsletter and download FREE bonding activities when you subscribe at: http://www.KidsDiscuss.com. JeanTracy@KidsDiscuss.com

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