Saturday, February 27, 2010
How To Pay Off 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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Friday, February 26, 2010
Buying Property Abroad
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.
Tuesday, February 23, 2010
Children Grow And Develop
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.
Tips:
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Children's Determination To Master Movement
# Repeat body movements, and enjoy doing so
Child Development For Parents
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
6 months to 9 months
Developing Perceptual And 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
Philippines Light Rail Transit Public Transportation
The Manila Light Rail Transit System (Filipino: Sistema ng Magaan na Riles Panlulan ng Maynila),[citation needed] popularly known as the LRT, is a metropolitan rail system serving the Metro Manila area in the Philippines. Its twenty-nine stations over 28.8 kilometers (17.9 mi) of mostly elevated track form two lines. LRT Line 1, also called the Yellow Line, opened in 1984 and travels a north–south route. LRT Line 2, the Purple Line, was completed in 2004 and runs east–west.
The LRT is operated by the Light Rail Transit Authority (LRTA), a government-owned and controlled corporation under the authority of the Department of Transportation and Communications (DOTC). Along with the Manila Metro Rail Transit System (MRT, also called the Blue Line), and the Philippine National Railways (PNR), the LRT is part of Metro Manila's rail transportation infrastructure known as the Strong Republic Transit System (SRTS)
Stations
The People Power Revolution was a series of nonviolent and prayerful mass street demonstrations in the Philippines that occurred in 1986. It was the inspiration for subsequent non-violent demonstrations around the world including those that ended the communist dictatorships of Eastern Europe.
A glimpse of Philippine culture through traditional dances and songs performed by some of the country's best dance groups.
In 1990, it was voted by the BMW Tropical Beach Handbook as one of the best beaches in the world
Barasoain Church (also known as Our Lady of Mt. Carmel Parish) is a Roman Catholic church built in 1630 in Malolos City, Bulacan.
Laguna de Bay (Filipino: Lawa ng Bay; English: Laguna de Bay is the largest lake in the Philippines and the third largest freshwater lake in Southeast Asia
Malacañan Palace, is the official residence of the President of the Philippines.