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Article Spotlight
May
30
By Rayven Perkins
Many families run on a two-income budget these days, and stress their way through each week worrying about bills, their children, missed family time and the like. What they don'’t realize is that both parents working outside the home could be costing them money, and running them deeper into debt.
Before deciding to take a job working outside the home, most people look at how much money they will be adding to their income each week. Let’’s make an example of Jill and Dan.
Dan works as a truck mechanic from 10-6 Monday thru Friday, and makes a fairly good income of $2,200 a month. He and Jill have three kids, ages 1,7 and 9, and money is tight.
Jill gets an opportunity to take a part-time receptionist job at a law firm. The position is 10-6 Monday, Wednesday and Fridays for $12 per hour, which would add an additional income of roughly $1,000 per month after taxes.
That sounds like a lot of money, especially for only part time, until you realize Jill is going to have expenses. The job is on the other side of town from Dan’’s, so carpooling is not an option. Also, Jill and Dan have no family nearby to take some of the childcare load, so that is another concern.
Payments on a second car are at least $200 per month. Chiseling away at that $1,000 pretty quick, isn'’t it? Now add in the full-coverage insurance for the second car ($100) and gasoline ($100 - conservative) and you are down $700 out of that $1,000.
Jill finds a daycare center that will give her a discount on after school care for her two older children, just $5 per day apiece, but the baby is a higher infant rate for three full days a week at $15 per day. That’’s another $300 a month. She had to look at a dozen daycares before she found one she felt she could leave the children at, and still feels nervous about not knowing the people watching her children.
Now we come to those pesky incidentals. If Jill doesn'’t brown-bag it, she can expect to spend $5 to $10 a day or more for lunch. If she buys a coffee in the morning that adds another expense. Don'’t forget the new clothes for the new job - even supposing Jill can find the money for the initial outlay, she may have dry-cleaning costs.
There will be days when the kids are sick. The school will insist that they be fever-free for at least 24 hours before returning to class. The daycare will not charge Jill and Dan for the older ones since they are only half day, but they have to pay the $45 per week for the baby whether he is there or not, or risk losing his spot in the class.
Unfortunately, Jill stands a good chance of being fired if she misses work too often - and of course she doesn'’t get paid if she doesn'’t show up. Money going out, none coming in. It’’s harder to keep the house clean, too; seems like she is always running on her days off, trying to catch up.
Traffic is also a concern. Sometimes Dan has to stay late, and Jill usually picks the kids up from daycare, which closes at 6:30. She usually makes it by 6:20, but if there is an accident on the freeway or a traffic jam down the street she might run late. The daycare center has a strict $1 per minute, per child penalty that really adds up when she is five minutes late.
The $1,000 is probably nonexistent by the end of the month. Jill and Dan might be able to break even if Jill takes the job, but it is more likely that her working outside the home will cost them money in the long run. Factor in the added stress for all members of the family when both parents are working outside the home, and it is hard to see where the benefit comes in.
A reasonable alternative is for Jill and Dan to sit down and look over their budget. Perhaps they can reduce the cable or phone bill, or cut down on eating out.
Shopping at consignment stores is a great way to dress nicely for half the cost, and learning to conserve water and energy can be a family project. Jill also might look into finding a job she can do from home; there are many opportunities available, and she would be able to care for her children as well.
Of course, all of these scenarios can also apply to stay-at-home dads. Not to say that both parents having outside jobs never works, especially when the children are older, but with little ones in the house choosing to be a stay-at- home mom (or dad) might actually make the most sense, financially and otherwise.
About The Author
Rayven Perkins is an expert at saving money at home. She has spent 7 years finding and implementing unique cost-cutting tips that allow her family to live comfortably as a one-income family. Visit her site http://www.stay-a-stay-at-home-mom.com/cost-of-working.html to learn your true Cost of Working, and see if it makes sense for you to work outside the home.
May
30
By Tyler Moss
I'’ve always been impressed with guys who can get a womans number in a matter of minutes. I personally never found it to be all that easy. The problem I had was fear. I was afraid to even bother to ask for contact information. I'’ve since learned a few techniques that helped me out a great deal. I'’m going to teach you those techniques here is this article.
Step #1: Deal With Your Fears
Getting a womans contact information isn'’t particularly hard. The hard part is thinking that you can get her to give you her contact information.
The best way to overcome this is to simply do it anyways. Once a woman gives you her contact information you will start to believe that it is possible. You may also want to try some visualization techniques. Before, you approach her picture her giving you her number. Seeing it in your mind makes it easier to believe.
Step #2: Give Yourself A Time Limit
Here is the truth. It doesn'’t take a long conversation for you to say something stupid to her. But, the longer you talk to her the more likely you are to say something stupid to her. What you have to do is give yourself a time limit.
What the time limit does is force you to get her number and get out before you say anything stupid. The time limit also gets you to put some pressure on yourself to get to the point. I recommend that you talk for no longer then 3 minutes. 1 or 2 minutes is probably all you really need. If your a good conversationalist then you can talk as long as you want.
Step #3: Have A Plan
It will help you a great deal if you know how you want things to go. A general idea of what you want to say and when you will ask for her number is a good idea. If you like to meet women in grocery stores then come up with a few things you can say to women in grocery stores. The same works for any location.
You: Your the most beautiful woman I have ever seen in a bookstore.
Her: Thank you.
You: No problem. But don'’t let it go to your head.
Her: I won'’t.
You: I would like to stand here and talk to you, but I have some places I need to go. I would like to talk to you in the future though. Write your number down so we can meet up some time in the future.
Conclusion
Getting a womans number really can be that simple. The next problem will be talking to her over the phone and getting her to commit to a date. However, that is another article all together.
About The Author
Tyler Moss teaches men how to flirt with women. How would you like to meet, date, and attract the woman of your dreams? Now you can by visiting http://www.charmingmanblog.com
May
24
By Scott Patterson
The way you portray yourself to everyone determines whether you will be accepted or rejected. If you present yourself to a woman in the right manner, you will have a greater chance of being accepted by her. By portraying yourself the wrong way, you are more likely to be rejected; this will continue to happen for as long as you present yourself in the wrong manner. It is important that you look your best, so here are some tips of how to be more attractive to women.
Your Hair Style
Your face is the first thing that people notice about you, so it is important that you have a great hair style to accentuate your face. To find the right hair style for you, you should browse around and try different (reversible) hair styles. You can even go to an upper scale salon and see what a stylist can do for you. They are great at choosing hairstyles that match the person’’s personality and face shape. Make sure that before the stylists begins clipping, you know and agree to what they are doing to your hair. Afterwards, ask the stylists how you can maintain the hair style at home and until the next time you need a trim.
If you are losing your hair, DO NOT DO THE SWOOP! This couldn'’t clash with you anymore than any other hair style. You should either shave your head completely bald or very short. This would look great with a nicely trimmed goatee and mustache. Many women tend to find this look very sexy. Even men who aren'’t losing hair shave their head for this look. Make sure to constantly check your facial hairs for food and other items that shouldn'’t be there.
Shave
Some women are known to be turned off by excessive body hair on the upper arms, back and neck. You can speak with your stylists about this problem, if you have one, and have them shave the back of your neck. The salon may also offer temporary solutions, such as body waxing. There are also permanent options for you to use, such as laser hair removal. What you choose will determine how badly you want the hair gone and how much you are willing to spend on the work done. Waxing, of course, is much cheaper, but can be more painful.
Hygiene
Good hygiene can'’t be stressed enough. It is important that you take daily or twice daily showers. If you have a sweating issue, take more than one shower a day and carry deodorant in your car. You may also want to bring an extra shirt for those extra warm days.
Clothes
To show a woman you are neat and clean, you have to dress that way. Women like men that can match and fit clothes properly. This attracts women because women are normally attracted to cleanliness. So don'’t wear your torn pair of jeans or the sweatshirt with the ketchup stain, have you good clothes dry cleaned to keep them looking good as new and wear them when going out to meet women.
If you have problems with picking the right clothes, have a female friend or family member help you out. You will also need to make sure that you have matching, attractive shoes to go with the clothes. Once you have cleaned up your image, you approaching women should have a different approach for your confidence.
About The Author
Want to learn 50 WAYS for approaching, attracting and seducing women? If so, take a look at Scott Patterson’’s Free eBook which provides 50 tips for instant dating success.
May
19
By Gregory Wadel
Marriages vary widely in terms of how much conflict the partners tolerate. Partners in a volatile marriage are highly expressive and willing to give and take a fairly large amount of conflict, whereas partners in a conflict-avoiding marriage, by definition, try to minimize clashes and downplay displays of emotionality.
According to UN studies, about 1 million people are forced into marriages around the world. According to Khanum, the girls are usually cowed into submission by threats. They are warned that if they refuse to wed their arranged partner, the dishonor will force her parents to divorce, for example. According to the FDA, the sexual effects of aphrodisiacs are based in folklore, not fact.
Personally, I would rather not deal with the whole ordeal, and I feel that some people still do not take relationships seriously until someone walks down the aisle. Personally, she doesn'’t want this, she told me. She was given the time to think, and finally she agreed, last month.
Marriage is not, and has never been, the mere recognition of committed and loving relationships between adults. Lots of adults love one another and are committed to one another (a grandfather and his adult grandchild, or war buddies, or close sisters, you understand), but these commitments have never been considered marriage. Marriages have become all too common nowadays, don'’t you think. You just have to do it, or you wont fit in with society. Marriage isn'’t something society allows, It’’s something society honors.
Couples with underage children should be denied divorce. Would anyone seriously advocate all these measures, Couples in these situations have to come into relationships with their eyes open. Many parents place their responsibility for their children above their own happiness, which can quickly weed out dating partners who aren'’t prepared for the challenges of being a stepparent.
Parents, relatives and other clan elders in their search for the right match inevitably end up pairing individuals from more or less the same economic background. Deviations from established practices are not common. Parents or friends introduce the couple and let them talk via phone or email, meet a couple of times, and then ask for a decision. However, when parents are involved, there will inevitably be some pressure as they can'’t help but give their opinion and advice.
Divorce rates, which have been escalating since 2003, remain at about 3.3 percent, up from 2.9 percent before the start of the war. Incidences of combat stress are soaring, with a new independent study finding that as many as 1 in 5 service members are returning from Iraq and Afghanistan with symptoms of post-traumatic stress disorder or major depression, a reality that deeply affects their families. Divorce is so commonplace now that people don'’t buy monogrammed wedding gifts, so that the items will be usable after the split.
About The Author
Gregory Wadel
Find out about having a Happy Marriage
May
15
By Apurva Shree
Pregnancy risks are one of the many things; a woman should be concerned about, once she knows that her baby is on the way. The quality of medical care and awareness of behavioral risk factors has drastically reduced pregnancy related complications today. Yet, it is important that that every woman going through a period of pregnancy is aware of certain things related to her pregnancy week by week.
Pregnancy Risk Factors
Undesirable lifestyles, genetic background, and existing medical conditions are some of the main factors that contribute toward high-risk pregnancy.
How Is Your Lifestyle?
Unhealthful lifestyles before or during pregnancy adds to pregnancy risks. This can negatively affect the long-term health of the mother and newborn child. A would be mother should keep the following points in mind.
Read more
May
14
The Right Method To Lose Weight
Filed Under Health and Beauty | 1 Comment
By Gary Kidd
Are you among those thousands of people who want to know how to lose weight? Then, you are at the right place. Many people wish to shed that excess baggage to live life in a healthy manner, but they do not know the right method to lose weight. Therefore, here are quick effective weight loss tips, refer them and lose weight, fast and healthily.
However, before knowing how to lose weight fast, here is a quick note. Our body adapts slowly to alterations in terms of exercises and eating habits. For instance, if you are the one who has not exercised for many years and suddenly start pounding miles on the treadmill, you are only injuring yourself. In addition, if you suddenly restrict or cut down the calorie intake considerably, your body may lack in nutrients, minerals, and vitamins. As a result, body becomes malnourished and prone to ailments.
So, you must be thinking as how to lose weight fast and healthily? Read further and you will know the secret to losing body weight without starving your body or by undergoing any rigorous bursts of exercises.
Some Fast Weight Loss Tips: Read more
May
13
A Wedding In A Tight Budget
Filed Under Relationships | Leave a Comment
By Jerry Leung
It is not easy to plan for a wedding if you have a relatively tight budget. You will need to find ways to save money in this case. However, planning for a wedding with a tight budget does not mean that you cannot have an elegant wedding.
In fact, there are a lot of ways to save money. Taking the wedding favor as an example, you can consider sending some DIY favors to your guests. It will save you a lot of money. If you can bake, you can bake some mini cakes yourself and they will be perfect wedding favors. As a matter of fact this can be a lot more meaningful than purchasing some really expensive favors. At the end of the day you are making the wedding favor yourself and your effort cannot be replaced by an expensive item.
May
10
By Todd Ash
Considering your career is something you are probably going to be doing for the rest of your professional days or for a very long time you should make this decision after weighing your options.
I also knew that I wanted to make a good amount of money and live a comfortable lifestyle, but at the same time love going to work. Considering various socio-economic objectives, including costs, under-utilised properties are continually identified and assessed for possible disposal.
May
8
5 Things You Should Know About Using Laxatives To Lose Weight
Filed Under Health and Beauty | Leave a Comment
By Gary Kidd
For a number of years now, some people have resorted to “unusual” ways in which to lose weight. Unfortunately, laxatives for many people seem to be the answer to their problem. Well, this article is going to point out the reasons why you should NOT use laxatives when trying to lose weight.
The first thing to understand about using laxatives, is that although they may help digest your food a little faster than normal, using them on a regular basis will actually cause you a lot of pain. Avoid using laxatives unless you want to suffer a lot of pain when trying to lose weight.
