Posts Tagged → family
6 Tips For Quitting Smoking
If you are currently a smoker, quitting the habit could be one of the most important things you will ever do in the next part of your life. In fact, if you quit now, you will most likely be adding seven years to your life.
While many people try to quit and fail, it is not an impossible task. Thousands of people, just like you, have decided to quit and have succeeded. You too can be among the successful former-smokers. Here are six tips that will help you to quit smoking once and for all:
1. Make a vow that you are going to quit smoking from today onwards
Success in all spheres of life begins with firm determination. If you are wishy-washy you can never do anything. However, if you make up your mind, once and for all, that you are giving up the habit, whenever a craving comes, you will remember your vow and not give in.
2. Exercise more and get your body in shape
If you sit idle there is more chance that you will light up your cigarette and relax. Fill your spare time with sports and vigorous activity. Try to feel how good it is to get your blood circulating and breathing the air deeply. If you are not the athletic type, then brisk walking will have the same benefit as other kinds of sports.
3. Avoid places and pastimes that put you within reach of cigarettes
If going to a bar or pub means that you are going to have a drink and then light up, maybe it is better to avoid that place for the time being. Once you have truly stopped smoking and you feel how good it is, you can go anywhere and not be tempted. But while you are in the transition phase it is better to carefully choose where you will spend your recreational time.
4. If you have to put something in your mouth, drink water or eat healthy snacks
Whenever you get a desire to put a cigarette in your mouth, replace it with something that will help you rather than harm you. Drinking small amounts of water throughout the day is not only a good way to help you quit smoking, but it is also a great way to stay healthy. You should drink 4 litres (quarts) of water per day, if you can. If you need to put something solid in your mouth, then eat a piece of fruit.
5. Get support from your friends and family
Tell them that you are giving up smoking for health reasons. Your true friends will support you and not offer you cigarettes. Your family and loved ones will similarly support your efforts and help you to avoid situations where you may feel obliged to smoke out of social pressure.
6. Strengthen your will power with yoga and meditation
Very few people are born with perfect will-power. Like anything else, practice makes perfect. If you want to strengthen a physical muscle you may work out with weights. If you want to strengthen your “mental muscle” you need exercise as well. Yoga and meditation are disciplines that enable even complete beginners to build up their capacity to concentrate and firmly accomplish whatever they set out to do. Try it out and see for yourself.
Follow these six tips and you will be well on your way to quitting smoking.
Emotional Eating: A Prime Ingredient for Obesity
Sandra found her weight ballooning 60 pounds after her separation from her husband. While part of the weight gain was apparently tied to the medication she was taking, the rest appeared to be the result of what can be described as emotional eating. In recent years, greater attention has been focused on the problem of emotional eating for both women and men. In fact, some experts have gone so far as to claim that most weight gain can be blamed on emotional eating. According to Women Today magazine, it has been estimated that as much as 75 percent of overeating is attributed to the emotions.
For a number of people, overeating stems from anxiety. For instance, if you find yourself consuming an entire bag of potato chips, it’s possible that anxiety is the cause. While many people realize that alcohol and illegal drugs are not an antidote to anxiety, they may not understand that indulging in comfort food in order to combat anxiety can be dangerous as well.
In other cases, overeating may be the result of depression. If you feel tired, hopeless, and have lost interest in your normal activities, you may be suffering from a depressive episode. In order to deal with these uncomfortable feelings, people may turn to food in an effort to cheer up. The problem is that the food can lead to weight gain, which can lead to further depression.
At times, overeating may be a symptom of boredom. An individual may figure that he or she has nothing better to do than overeat. This can be particularly true when one is watching television or surfing the Internet. Rather than trying to determine a cause for the boredom, an individual may just try to “fix” it by indulging in high-fat, high-calorie food.
How do you know if you are an emotional eater? Ask yourself some key questions: Do I tend to eat when I’m worried? Scared? Sad? Do I find that eating lifts my spirits? Am I spending more time eating than engaging in other activities I enjoy? Do my binges come after I’ve suffered disappointment? Am I turning to food in order to deal with the death of a loved one…a divorce…or the defeat of my favorite team? If the answers to any of these questions is “yes,” you may be overeating purely for emotional reasons.
After you’ve identified yourself as an emotional eater, you’ll need to take steps to correct your behavior. Perhaps the most effective technique is diversion. In other words, if you find yourself reaching for the cookie jar, find another activity to engage in. The answer could be taking a walk, kickboxing, or dancing. Or it could be something less physically demanding, such as needlepoint or crochet. The idea is to get your hands…and perhaps the rest of your body…moving. In time, you might find the urge to overeat subsides as you become involved with other activities.
Another effective step you can take is to identify the triggers for your emotional eating. Do you tend to binge in mid-morning, mid-afternoon, or right before bedtime? Are you snacking while watching television, while at the computer, or when you’re sitting in your favorite chair? By asking yourself these questions, you can identify the time of day when you overeat, as well as the location for your binging. With this information, you can learn to re-direct your behavior to less fattening pursuits.
Yet another helpful technique is to develop a support network to help you combat overeating. The members of your support team could include your spouse, children, parents, friends, or other over-eaters. You may even consider joining a support group which specializes in helping those who engage in binge eating. If you feel the need to overeat, contact a member of your support team. Talking through your emotions could provide you with the emotional release you need, making overeating unnecessary.
If your anxiety or depression persists, consider seeing a psychotherapist. He or she can help you develop more effective coping mechanisms. If you find it difficult to talk to friends or family about your overeating, a psychotherapist can provide you with the talk therapy you need to overcome your problem.
Life Of An Anti Virus Program
The millions viruses costs companies each time they strike. It is however not only companies that are suffering
from the damages caused by viruses. A virus can be just as damaging if not more for a private Internet user by destroying important documents, family pictures and everything else you keep on your computer. Therefore should no home computer be without a good virus protection software. This way you can protect your computer and yourself from loosing data, corrupted hard drives and a number of other problems.
There are several anti virus programs available of which some are free and some are not. You should however always remember that you might get what you paying for, meaning that the service and the updates might be better for the paid alternatives and thereby protect your computer better.
Know Your Mutual Funds
It is important for the individual investor to know about Mutual Funds. For some people the decision to invest in Mutual Funds is based on the premise that it is low risk investing. By in large this may be true, but it depends on the Mutual Fund and in particular the fund manager.
A Mutual Fund is a collection of stocks and other investments that are packaged by an investment company. Generally speaking it is a means by which the average pay check earner may enter the stock market. Some Mutual Funds require only a $1,000 initial investment and a small number of Mutual Funds may be purchased with as low as an initial $250 initial investment.
The key to investing in Mutual Funds is to read and evaluate the individual prospectives available to potential investors. You may review the performance of the Mutual Fund on-line or request the prospective by mail. The prospective gives you the Mutual Funds performance over the past quarters, years and decades. It also provides you with the fees that are charged to investors of Mutual Funds.
Certain Mutual Funds are no-load funds. Generally these funds are offered by state and municipal entities. It means the fund does not charge a fee to invest and is exempt to some taxes. There may be other charges for handling your Mutual Funds and charges if you decide to withdraw funds or move your investment elsewhere. This knowledge is essential before you commit a single dime to a Mutual Fund.
Your investigation should include the name of the stocks and other investments the Mutual Fund you are considering is currently investing. This point is critical because knowledge of the broader market is essential in determining if a particular fund is going to do well. If you have a penchant for global stocks , technology, financial or energy stocks you want to be assured these sectors are doing well in the overall stock market.
Some investors own single equities and Mutual Funds along with other investments in their portfolio. Most brokerage houses have financial planners who can review all of your investments including realty, equities, bonds and Mutual Funds to give you a full picture of your financial health and goals for your investing.
As with the stock exchanges Mutual Funds investing allows the investor to determine their risk level. There are municipal bonds funds, blue chips funds, growth funds, Asian Funds, Emerging Markets and combinations in between. The investor determines the choice of investment by his or her objective. For some it is for retirement, others income and tax consequences. The range of risk is provided by most Mutual Fund investment companies.
There are some excellent advisory services that provide star ratings on various Mutual Funds. The Morningstar advisors have up to date information on the health of various funds. There are also articles in the Wall Street Journal and Investors Daily about Mutual Fund Managers. There are stars in the Mutual Fund field. The star manager is only as good as his or her last year earnings. It is important to know who is doing well currently before you invest.
There are several families of Mutual Funds I would recommend reviewing. The Vanguard Funds, Fidelity, Oppenheimer and American Mutual Funds. Within these family of Mutual Funds there is a fund for about any level of interest and risk level. The information is available on-line or by mail.
The current bothersome area in the real estate market in particular sub-prime loans for at risk buyers is yet to be fleshed out on a global scale. The possible spill over effect to banks, financial institutions, mortgage companies and the commercial paper they have sold may be a factor in your consideration of which Mutual Fund to select. The true impact at this point is speculative as to the ripple effect that may ensue if the small percentage of risky mortgages end up in foreclosures. Presently the effect is an unwelcome squeeze in the credit market making it difficult to get loans for individuals and some lending institutions.
As with any uncertainty a good rule of thumb is to seek out Mutual Funds with a minimal amount of exposure to sub-prime mortgage woes. The Blue Chip or America’s stand-by stocks may have some advantages as some are undervalued. The technology and some exposure to China and Emerging Markets may be worth a look. Most Mutual Funds companies have stocks and investments that may fit the current trends and moods in the financial markets. Review the institutional investors in each fund. A rule of thumb is that big institutional investors generally do not invest in “dog” investments.
A Career From Anywhere
An island in the Mediterranean. A beach in Africa. The east coast of New Zealand. What do these locations have in common? A recent call for assistance from freelance writers elicited replies from every one of these locations. In each of these and in many other remote places, I know of writers who are freelancing with a fair degree of success.
Indeed it is possible for freelance writers to work from anywhere.
Consider my own recent experience. As the editor of the Worldwide Freelance Writer web site, I publish a newsletter that goes out to thousands of freelance writers around the world. I can recall one particular issue in the middle of 2002. I started planning the newsletter in the heat and humidity of Hong Kong. When the first draft came together I was in Indianapolis, in the United States. And by the time I completed the final copy and pushed the send button I was at a lakeside cottage in Ontario, Canada, with snow lightly falling outside.
Maybe you are interested in a freelance writing career but you worry about whether you live in a suitable location. Well, think again. Freelance writing is a job you can do from anywhere. It is true that if your home is near New York’s editorial offices you may be able to use your proximity to some advantage. But many, many freelance writers are working successfully from more distant locations, and in many cases enjoying a better lifestyle in the places where they live.
Take Ron Irwin, for example. An American, Ron freelances from a small house on the beach in Cape Town, South Africa. The majority of his work is still for North American markets. Consider Vella Corinne, a native of Malta in the center of the Mediterranean Sea. From this island steeped in history – the Order of St John was based here and the temples are thought to be older than the pyramids – she writes travel and lifestyle features.
Writers in locations such as these, far from being at a serious disadvantage, can actually enjoy a number of benefits. For a start, these writers are in an excellent position to write about their own locations, the people and the culture. Also, the living costs are often less expensive than for writers in major cities. And if that is not enough, how about fresh, clean air?
Writers working from remote locations usually live in a cleaner, more peaceful environment, and may live closer to outdoor and recreational activities. Vella reveals how she enjoys the warmer days: “Once I pack up my computer, I just head to the beach. Distances are short and, the island being small, I’m always close to the center of whatever’s happening here. I can control my own time in a way that I could not if I lived in a busy city.”
Twenty years ago writers in remote locations were often frustrated by the slowness of communicating with editors on the other side of the world. It would always take months to receive a reply from an editor. Waiting for a response to a query was about as exciting as watching grass grow!
In recent years the availability of the Internet has made it easier than ever before for freelancers to communicate almost instantly with anyone, anywhere in the world. In my own example above I traveled through a few countries over a three-week period and managed to conduct my freelance work at the same time. Many of my clients didn’t even know I was ‘on the move’. Little did they know that between receiving and replying to their messages, I was fishing in the lake and hiking through the woods. I could easily keep in touch with important contacts, as well as write and send out my newsletter.
But do you know what was even more exciting? While I was traveling my web site was hard at work, the entire time, ‘day and night’. Even while I was flying at thirty thousand feet, taking a nap, I was effectively selling a bunch of writing-related books and products. Now if that isn’t a freelancer’s dream becoming reality, I don’t know what is! Such accomplishments were definitely not so attainable before the advent of email and the World Wide Web.
Kathy Crockett freelances from Gisborne, New Zealand, on the east coast of the North Island. She commented to me on the difference technology makes when working from such a location. “It’s a city of 35,000″, she explains, “the closest to the international dateline, and the first city in the world to see the sun each day. Its closest city-size neighbors are three hours drive on windy roads…the internet, mobile phones…technology lets me be wherever I want to be… and fool others into thinking I’m where they’d like me to be!”
Of course working remotely is not always easy and there are a number of challenges that writers typically face. Isolation is a common issue. Vella explained to me she has a way of dealing with it. “At times it feels like I have a totally atomized existence. I balance that by scheduling some ‘face time’ each day”, she explains. I agree with her. Sometimes you must make a conscious effort to spend time with family, friends, or other writers.
Another challenge may be difficulties with technology. Finding a PC repair shop may be next to impossible. Internet access may be unavailable or unreliable. There are many, many places in the world that don’t even have telephone lines yet, not to mention email access. You can still work as a freelance writer from these locations, but it will not be as convenient. If you have any choice where you live, always try to choose a town that has telephone lines with reliable Internet access.
And that goes for working while you are on holiday too. Check the available technology in advance. In the example of my trip above, I received a surprise. There was no telephone line or email access in the cottage. My initial panic subsided when I discovered a telephone not too far away. In freezing temperatures, I trudged up the road. When I pushed the button to send out my newsletter my notebook computer was plugged into a payphone.
Are writers in remote locations at a serious disadvantage? No way! I am sold on the concept that you can work as a freelance writer from anywhere. And while you will face some challenges, none of them will be insurmountable.
So if you’re looking for a career you can do from anywhere, look no further. The writers I referred to and many others are working successfully right where they are. And so can you. Open up your notebook. Start writing. You can begin to build a rewarding career as a freelance writer today.
The Roman Family
The father in the Roman family (paterfamilias) exercised absolute and lifelong power over all other family members (patria potestas): his wife, children, and slaves. If the father’s father was alive – then he was the supreme authority in the household. Fathers were even allowed to execute their grown sons for serious offenses like treason.
Each house maintained a cult of ancestors and hearth gods and the paterfamilias was its priest. The family was thought to posses a “genius” (gens) – an inner spirit – passed down the generations. The living and the dead members of the family shared the gens and were bound by it.
Legitimate offspring belonged to the father’s family. The father retained custody if the couple (rarely) divorced exclusively at the husband’s initiative. The father had the right to disown a newborn – usually deformed boys or girls. This led to a severe shortage of women in Rome.
The father of the bride had to pay a sizable dowry to the family of the groom, thus impoverishing the other members of the family. Moreover, daughters shared equally in the estate of a father who died without a will – thus transferring assets from their family of origin to their husband’s family. No wonder females were decried as an economic liability.
At the beginning, slaves were considered to be part of the family and were well-treated. They were allowed to save money (peculium) and to purchase their freedom. Freed slaves became full-fledged Roman citizens and usually stayed on with the family as hired help or paid laborers. Only much later, in the vast plantations amassed by wealthy Romans, were slaves abused and regarded as inanimate property.
Don’t dig your own pit
If you want to enjoy your life out of spending, enjoy if you have you have your own resources and money.
But don’t enjoy your life by becoming a debtor to somebody.
Of course in the modern world, there are many ways and means, which force you to become a debtor.
Attractive advertisements in the satellite TV force you to become a debtor. It tempts you to buy the modern amenities at any cost.
Even though if you don’t have any money or resources it show you many resources for obtaining credit to buy that product. But you must think thousand times before becoming a debtor.
In today’s world credit is the easily available commodity. Numerous companies are waiting to pull you in their trap. They are competing severely to pull you in their trap.
But you must be careful to entangle in that trap.
In spite of this caution if you are prepared to enjoy, then you won’t get any pleasure, but you will lose your peace of mind.
Let us discuss about the common desire of everybody. It is natural that every body wants to have their own house. It is a reasonable desire.
But the desire can be attained if you have enough money on your own to buy the house.
If you are an executive working in a company what will be your thinking?
You will ready to apply for some loan and buy that house. You have decided and applied for a loan also and the loan has also been sanctioned.
You will ask the engineer to construct the house with in the sanction of loan.
The Engineer on seeing the plan will say “Sir, you are constructing house once in your lifetime, why such a low budget house, we can increase slightly your plan sir, it won’t cost much only a 10% increase in your normal budget” he will tempt you.
By that time you will also have some Himalayan courage, and think why we can’t adjust that 10% increase, ok we can adjust that 10% increase by obtaining loan from our relatives, and you give consent to the engineer’s suggestion.
The Engineer will begin to build your house. The house is also going to be completed soon and only some finishing work is there.
You ask your engineer ‘when can I take possession of the house’, sir?
The engineer will politely tell you, Sir, there is a small problem, the problem is there is a sudden increase in the cost of materials, so I fear whether it is possible to complete the building what we have already planned.
But you are in the dream that the house should be constructed at any cost. So you don’t bother about the resource to complete the house and prepared to arrange for the money required for completing the house.
What you will do. The next thing before you will be some bank balances available out of your savings and the jewels of your wife or your children.
So your savings, jewels will all go from you and fill the cashbox of another businessmen.
Your house will become ready finally. On seeing the house raised beautifully you forgot all the sources where the money came from to complete the house.
You will forget about the loan you obtained from your company.
You will forget about the loan you obtained from your relatives.
You will forget about the erosion of your savings and jewels.
All these will come to your remembrance only when the company commences their recovery for the loan you obtained.
All these will come to your remembrance only when your relatives need the money they paid.
All these will come to your remembrance when you don’t have enough money in your savings account for your urgent requirement.
Then your mind will think about the resource to fill up the deficit in the family budget, the loan to repay to your relatives and for your urgent requirement.
You will get easy resource to fill up this deficit, because you are working in a company, getting regular salary, higher salary. Companies are ready to give credit.
You are also ready to get credit from another company to fill up the deficit.
So you are ready to close the small debt pit, and begin to dig another debt pit, which is little more in size than the first pit.
The same deficit pressure mounts after some time. Again you are prepared to obtain loan from another company.
Now you dig another debt pit, which is more than the size of first and second debt pit.
Like this you will go on digging pit after closing the earlier pit to overcome your deficit.
Finally at one stage when you see the remaining pit, it will look like a deep pit, which you cannot fill it up from any source.
So the ultimate choice before you will be to dispose off the house and fill up the huge pit finally stands before you.
You have also made arrangements to dispose off the house.
One person came forward to buy the house. Even though the rate offered by him is not as expected by you, you have no other option except to get the money and fill it up the debt pit.
The house was finally sold off and you got the money. But while working out the amount you have to settle to your debtors, you need some more money.
However with the proceeds realized out of selling the house, you have settled most of the debt and still keep some portion of the debt.
You have lost all your savings, jewels, and other resources and still you have to settle more debts?
Where all of your money has gone?
It is no secret, most part of your debt were for the interest.
The interest made you to close one pit and dig another pit and finally you was let with a big pit with most part of the pit were for interest.
This is a common plight of most of the families especially in the middle class peoples.
The reason is due to their mental capability to enjoy all modern amenities without knowing their economic capability.
Enjoying the life is absolutely necessary but it should be from our own resources. We can enjoy the life but not on obtaining debt.
We have to increase our resources to enjoy the life. We should find out the opportunities to increase our resources and then think about enjoying the amenities.
Marriage and Taxes
Getting married is the greatest day for 50 percent of couples. The other 50 percent get divorced. Perhaps the marriage tax penalty has something to do with it.
Family Values – Hardly
For all the chatter from politicians about family values, it is ironic that the tax code actually penalizes people for getting married. At its heart, the tax code is designed to modify behavior. Deductions and credits are given in areas the politicians wish to promote and taken away in areas considered less positive. Home ownership is viewed as a good thing, so mortgage interest is deductible. Cigarettes are bad, so they are taxed like no tomorrow. If you buy this argument, one must wonder why married couples suffer under the tax code.
A recent study found that by getting married, couples are forced to pay roughly $1,500 in additional taxes. Known as the marriage penalty, one must wonder what the government is up to. Is it trying to promote family values or not? The numbers would seem to indicate not.
The marriage penalty is a nasty little development for newlyweds. The penalty occurs because married couples must pool their earnings when they report taxes. Typically, this means their pooled earnings move them into a higher tax bracket and they pay more taxes. For instance, assume husband makes $45,000 a year as does wife. As a married couple, their pooled income is $90,000 with the accompanying tax consequences. For really doomed couples, the combined income will actually kick in the alternative minimum tax. The AMT more or less voids many major deductions. In the tax industry, there is a nickname for this situation – the divorce tax.
The marriage penalty has existed for years, yet the politicians have failed to find a fix. They pay lip service to the idea, but no major changes have been made to fix the problem. The best they have come up with is doubling the standard deduction for married couples, but this has had little impact since most couples itemize their deductions.
It appears the marriage tax penalty is here to stay for the foreseeable future. One has to wonder why our family values President didn’t include a fix in his tax cuts.
