How To Pay Off Your Debts

Your Debts

Members of Congress are not the only ones having trouble balancing a budget. many families, too, are struggling to trim their own deficcit spending. Just ask yourself:

Am I borrowing to pay off old bills?
Am I spending more than 15% to 20% of my take-home pay on monthly installment debts above and beyond my home mortgage?
Am I constantly forced to dip into my checking overdraft and rarely able to bring it down?
Do I find it hard to save regularly even a small part of my income?

A "yes" to any of those question could be a warning that you are leaving beyond your means. If so, there are sensible steps you can take. It is presicely when they feel they are overwhelmed by bills and responsibilities that many people decide to plan for the future as they never have before.

Once you have concluded that you are in trouble, your firts order of business is to determine exactly how much income you receive and itemize your monthly expenses. List all your monthly bills in their order of importance. Set priorities for paying them off. Probably the first priority will be to pay your mortgage, and then your monthly utility and installment bills.

What if you find that you are still in debt over your head? Then it is a wise to seek out your creditors and negotiate to stretch out your debts, that is, to arrange a longer term of repayment in smaller amounts each month. Creditors have a great deal of latitude to extend the due date on bills by uop to 30 days. They possible can refinance a debt to allow lower, though longer, payment even if you are overdue 90 days.

If you have trouble meeting your same mortgage payments, go to your mortgage lender for help. The last thing a lender wants is to foreclose on your property. He would much rather have your cash. So, in most cases a loan can be re-schedule and payments reduced if neccessary.

You might be tempted to sign up for a consolidation loan to pay off all your debts. That is simply not smart. The lure of consolidated loan is that a bank or finance company will take over your many debts and you, in turn, will make payments to that one institution. the catch is that the interest rate on such a loan is likely to be high. So you could be replacing a heap of moderate debts with one big one that cost more to carry.




Even while working off your debt, you should plan to save. Setting aside as little as 3% to 5% of monthly income after taxes helps you start considering saving as an integral part of your budget.

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Buying Property Abroad

 What You Need to Know

As world travel becomes easier and more accessible, people are becoming more aware of the foreign exchange industry and the differences in currencies throughout the world.

As a result, more and more people are investing in properties abroad for various purposes such as a second home, a retirement destination or simply an investment to take advantage of the exchange rate.
However, before running off and purchasing an Italian villa, a Bulgarian ski chalet, or a Caribbean beach house, research is essential and there are things you need to know to become an informed buyer.

First, gather some general information on your potential destinations for purchase. Learn the rules and regulations regarding foreign ownership in the places of interest, as some countries such as Switzerland restrict foreign ownership entirely. Also, confirm with the U.S. State Department about the stability and safety of the countries you are considering. Regardless of your plans for the property, you do not want to invest in an unstable environment.

Buying property overseas is a complicated procedure and requires additional expertise. Once you have decided on a specific location, hire a real estate agent who is licensed and has experience with foreign investors in that country. They will be acquainted with related laws and customs that are unfamiliar to you, and will help you avoid costly mistakes and/or illegal transactions. In general, these real estate agents tend to overcharge with commissions reaching as high as 8%. However without their guidance, your potential losses could double or triple your initial cost and you could face a fierce legal battle.

When investing in property overseas, investors should expect to pay cash. Financing mechanisms such as mortgages are not as sophisticated as they are in the United States. It is unlikely to find dozens of mortgage lenders offering loans, especially in countries such as Mexico, Greece, Spain and those in Eastern Europe. If paying full in cash is not an option, check out English-speaking countries and former colonies like Singapore, South Africa, or Hong Kong. Yet even in these countries a deposit of at least 40% is required. These laws are designed to alleviate fears of investors skipping the country and defaulting on payments





When buying property in America, you receive a warranty title stating that you are the owner of the property. However, when buying property overseas, you do not always receive such a title and the distinction of ownership of the property isn’t always as clear. It all depends on the location and the country involved. Boundaries all over the world have shifted so it's quite possible that once you buy property, someone who is several generations removed from the original owner could make a claim on the land. This is especially true in Eastern Europe where World War II redrew many borders. To avoid any complications, enlist the help of a notary. Notaries specialize in verifying legal documents and can assist you in reading the title history to see if there are any gaps in the property’s history or numerous property claims in the past.

Being a knowledgeable and informed investor is crucial when purchasing real estate abroad. It is risky and not recommended for all investors. But in the right situation and after taking the right steps, investing overseas can be extremely profitable and well worth the time and effort.

Children Grow And Develop

Child Development
Developmental Milestones For Your Child's First Five Years

Children grow and develop at different rates. While their pathways through childhood differ, most pass a set of predictable milestones along the way. The information presented here offers a map that can help you follow your child's journey. Our map divides the developmental milestones into four areas:

Physical Development
Social & Emotional Development
Thinking Skills
Communication Skills

In reality, these areas overlap, as development in one area is reinforced and enhanced by growth in others. The milestones suggested for each area offer examples of the developmental leaps that young children make. These are not complete lists.As you follow this map, keep in mind that each child develops differently and that an individual child may develop more quickly in one area than in another.

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Children's Determination To Master Movement

Physical Development

From the start, babies want to explore their world. They are eager to move their eyes, their mouths, and their bodies toward the people and objects that comfort and interest them. They practice skills that let them not only move closer to desired objects, but also move desired objects closer to themselves. As they grow, children's determination to master movement, balance, and fine-motor skills remains intense.

Age Milestones

The first year A baby begins learning the basics of self-movement and begins to master the

skills needed for hand-to-mouth coordination and holding objects.

Birth to 3 months

# Most infants begin to: Raise head slightly when lying on stomach

# Hold head up for a few seconds, when supported

# Hold hand in a fist

# Lift head and chest, while lying on stomach

# Use sucking, grasping, and rooting (holding tongue to the roof of the mouth) reflexes

# Touch, pull, and tug own hands with fascination
# Repeat body movements, and enjoy doing so

3 months to 6 months

 # Babies are quickly becoming stronger and more agile. Most begin to: Roll over

# Push body forward and pull body up by grabbing the edge of a crib

# Reach for and touch objects

# Reach, grasp, and put objects in mouth

# Make discoveries with objects (for example, a rattle makes noise when it is moved)

6 months to 9 months

 # "Child-proofing" becomes important as babies get more mobile. During this time most begin to: Crawl

# Grasp and pull things toward self

# Transfer objects between hands

9 months to 12 months

# By this time, most babies can: Sit without support

# Stand unaided

# Walk with aid

# Roll a ball

# Throw objects

# Pick things up with thumb and one finger

# Drop and pick up toys

1 years to 2 years

 # Walking and self-initiated movement become easier. Most children can: Walk alone

# Walk backwards

# Pick up toys from a standing position

# Push and pull objects

# Seat self in a child's chair

# Walk up and down stairs with aid

# Move to music

# Paint with whole arm movement

# Balance improves and eye-hand coordination becomes more precise. Most children can: Put rings on a peg

# Turn two or three pages at a time

# Scribble

# Turn knobs

# Grasp and hold a small ball; can use in combination with large motor skills to throw the ball

# Shift marker or any drawing or painting tool from hand to hand and draw strokes

2 years to 3 years

# Children become more comfortable with motion, increasing speed, and coordination. Most begin to: Run forward

# Jump in place with both feet together

# Stand on one foot, with aid

# Walk on tiptoe

# Kick ball forward

# Children are able to manipulate small objects with increased control. Most can: String large beads

# Turn pages one by one

# Hold crayon with thumb and fingers instead of fist

# Draw a circle

# Paint with wrist action, making dots and lines

# Roll, pound, squeeze, and pull clay

3 years to 4 years

 # Movement and balance improve. Most children can: Run around obstacles

# Walk on a line

# Balance on one foot

# Push, pull, and steer toys

# Ride a tricycle

# Use a slide without help

# Throw and catch a ball

# Children's precision of motion improves significantly. Most are able to: Build a tall tower of blocks

# Drive pegs into holes

# Draw crosses and circles

# Manipulate clay by making balls, snakes, etc.

4 years to 5 years

 # Children are now more confident, and most are able to: Walk backwards

# Jump forward many times without falling

# Jump on one foot

# Walk up and down stairs without assistance, alternating feet

# Turn somersaults

# Children develop skills that will help them as they enter school and begin writing. Most can: Use safety scissors

# Cut on a line continuously

# Copy squares and crosses

# Print a few capital letters

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Child Development For Parents

Social and Emotional Development

for early care providers
Social and emotional milestones are often harder to pinpoint than signs of physical development. This area emphasizes many skills that increase self-awareness and self-regulation. Research shows that social skills and emotional development (reflected in the ability to pay attention, make transitions from one activity to another, and cooperate with others) are a very important part of school readiness.

Age Milestones
The first year From the start, babies eagerly explore their world-and that includes themselves and other people.

Birth to 3 months

# Babies spend a lot of time getting to know their own bodies. They: Suck their own fingers

#

# Observe their own hands Look at the place on the body that is being touched

# Begin to realize she is a separate person from others and learn how body parts, like arms and legs, are attached

# Infants are interested in other people and learn to recognize primary caregivers. Most infants: Can be comforted by a familiar adult

# Respond positively to touch

# Interact best when in an alert state or in an inactive and attentive state

# Benefit from short, frequent interactions more than long, infrequent ones

# Smile and show pleasure in response to social stimulation

3 months to 6 months

# Babies are more likely to initiate social interaction. They begin to: Play peek-a-boo

# Pay attention to own name

# Smile spontaneously

# Laugh aloud

6 months to 9 months

# Babies show a wider emotional range and stronger preferences for familiar people. Most can: Express several clearly differentiated emotions

# Distinguish friends from strangers

# Respond actively to language and gestures

# Show displeasure at the loss of a toy

 

9 months to 12 months

 # As they near age one, imitation and self-regulation gain importance. Most babies can: Feed themselves finger foods

# Hold a cup with two hands and drink with assistance

# Hold out arms and legs while being dressed

# Mimic simple actions

# Show anxiety when separated from primary caregiver

1 years to 2 years

# Children become more aware of themselves and their ability to make things happen. They express a wider range of emotions and are more likely to initiate interaction with other people. At this stage, most children: Recognize themselves in pictures or the mirror and smile or make faces at themselves

# Show intense feelings for parents and show affection for other familiar people

# Play by themselves and initiate their own play

# Express negative feelings

# Show pride and pleasure at new accomplishments

# Imitate adult behaviors in play

# Show a strong sense of self through assertiveness, directing others

# Begin to be helpful, such as by helping to put things away

2 years to 3 years

 # Children begin to experience themselves as more powerful, creative "doers." They explore everything, show a stronger sense of self and expand their range of self-help skills. Self-regulation is a big challenge. Two-year-olds are likely to: Show awareness of gender identity

# Indicate toileting needs

# Help to dress and undress themselves

# Be assertive about their preferences and say no to adult requests

# Begin self-evaluation and develop notions of themselves as good, bad, attractive, etc.

# Show awareness of their own feelings and those of others, and talk about feelings

# Experience rapid mood shifts and show increased fearfulness (for example, fear of the dark, or certain objects)

# Display aggressive feelings and behaviors

# Children enjoy parallel play, engaging in solitary activities near other children. They are likely to: Watch other children and briefly join in play

# Defend their possessions

# Begin to play house

# Use objects symbolically in play

# Participate in simple group activities, such as singing clapping or dancing

# Know gender identity

3 years to 4 years

# As their dexterity and self-help skills improve, 3-year-olds become more independent. Most can: Follow a series of simple directions

# Complete simple tasks with food without assistance, such as spreading soft butter with a dull knife and pouring from a small pitcher

# Wash hands unassisted and blow nose when reminded

# Children become more interested in other children. They are now more likely to: Share toys, taking turns with assistance

# Initiate or join in play with other children and make up games

# Begin dramatic play, acting out whole scenes (such as traveling, pretending to be animals)

 

4 years to 5 years

# At this age, children are more aware of themselves as individuals. They: Show some understanding of moral reasoning (exploring ideas about fairness and good or bad behavior)

# Compare themselves with others

# 4-year-olds are very interested in relationships with other children. They: Develop friendships

# Express more awareness of other people's feelings

# Show interest in exploring sex differences

# Enjoy imaginative play with other children, like dress up or house

# Bring dramatic play closer to reality by paying attention to detail, time, and space

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Developing Perceptual And Thinking Skills

Thinking Skills

Infants were once thought of as passive and unknowing. It was commonly believed that until they mastered language, young children were incapable of thinking or forming complex ideas. Today, we know otherwise. From the very start, young children are aware of their surroundings and interested in exploring them. Scientists from several fields have shown that from the first weeks of life, babies are active learners. They are busy gathering and organizing knowledge about their world. These milestones highlight young children's progress in developing perceptual and thinking skills.

Age Milestones
The first year

Birth to 3 months

# Newborns begin right away to use and integrate their senses to explore their world. Most infants can: See clearly within 13 inches

# Focus on and follow moving objects, including human faces

# See all colors and distinguish hue and brightness

# Distinguish the pitch and volume of sound

# Discriminate sweet, sour, bitter, and salty tastes

# Respond with facial expressions to strong stimuli (like odors)

# Prefer high contrast items and geometric shapes

# Begin to anticipate events (for example, sucking at the sight of a nipple)

3 months to 6 months

# Babies perceptual abilities improve rapidly. At this age, they are able to: Recognize faces

# Differentiate between different people based on the way they look, sound, or feel

# React to and imitate the facial expressions of others

# Respond to familiar sounds

 

6 months to 9 months

# Using ingenious research methods, scientists have found that babies begin very early to have glimmers of how the world works. Even very young babies have been found to: Stare longer at "impossible" events (like ordinary objects suspended in midair)

# Distinguish between inanimate and animate objects, and understand that inanimate objects must be propelled into motion by an external force

# Distinguish among pictures that show different numbers of items

# Use the relative size of objects as a clue to how close or how far away they are

9 months to 12 months

# As they grow, children continue to explore how the world works and build on the conceptual leaps described above. At this age, most babies can: Understand that an object still exists even when it's not in view

# Respond to simple directions and questions with gestures, sounds, and perhaps words

# Imitate gestures and actions

# Experiment purposefully with the physical properties of objects, for example, by seeing how objects fit into a container or what happens if the container is turned over

# Enjoy looking at picture books

 

1 years to 2 years

# Children at this age spend much of their time intently observing and imitating the actions of adults. Most can: Imitate adults' actions and language

# Understand words and commands and respond appropriately

# Begin to match similar objects

# Recognize and identify familiar objects in storybooks with adult assistance

# Distinguish between "you" and "me"

 

2 years to 3 years

# A lot of learning is done through a child's own exploration, and this really takes off at this age. Most children can: Respond to simple directions

# Choose picture books, name pictured objects, and identify several objects within one picture

# Group objects by category

# Stack rings on peg in order of size

# Identify themselves in the mirror, saying "baby" or their own name

# Relate what they are doing to others

# Observe and imitate more complex adult actions (for example, housekeeping play)

3 years to 4 years

 # As children have more experiences in the world, their analytic powers grow. For some time, they have been observing and mentally "sorting" objects according to their physical properties. Now most children can: Understand concepts like grouping and matching (for example, recognizing and matching colors)

# Organize materials on their own, for example by stacking blocks or rings in order of size

# Identify parts of a whole, like a slice of pie

# Draw, name, and briefly explain somewhat recognizable pictures that are meaningful to them

# Actively seek information through why and how questions

# Tell you their full name and age

# Attend to an activity for a longer stretch of time (between 5 and 15 minutes)

# Learn both by observing and listening to adults' explanations

# Show awareness of past and present

4 years to 5 years

# At this age, children actively seek information and new experiences from the people in their environment. Most can: Play with words, mimicking and creating sounds, and make rhymes

# Point to and name many colors

# Understand order and process

# Draw a person with detail

# Draw, name, and describe pictures

# Count to 5

# Tell you their street and town

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