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Thursday, August 2, 2012

Home Loan Calculators and Tools from Sovereign Bank ? Part Two

Now, continue our discussion about calculators from Sovereign Bank. Some of its calculators are quite helpful in your mortgage decisions. For example, you can easily find out:

Which loan term is better?

If you are considering which loan term (15 or 30 years) to lock in, take advantage of this calculator from Sovereign Bank to help you make a decision. With this calculator, you can get an estimate of the monthly payments you should expect to make under different loan terms.

The result of a calculation will tell you whether a 15-year loan will cost you less or higher than a 30-year loan, based on a variety of information, such as interest rate, loan term, loan amount, purchase price and others. In fact, for this calculator, loan terms don?t have to be 15 years or 30 years. You can compare home loans with term options of 1 to 40 years.

http://partners.leadfusion.com/tools/sovereignbank/home06/tool.fcs

Whether you should pay points?

Indeed, paying points can help lower your mortgage interest rates. However, I would like to say it actually doesn?t make financial sense for every homeowner. This calculator is just offered to help you determine whether paying additional charges for a lower interest rate is a good deal.

It will calculate the monthly payment for two mortgage loans: one with less points and one with more points. In addition, by calculation, you will be shown that ?The loan with the greater points will cost you less or higher than the one with lesser points over xx years. You will have to own your home for xx months to break even on your refinancing?.

To use the tool, you have to enter a lot of terms, such as loan amount, interest rate, origination charge, your state + federal tax rate and yearly property tax. Be noted that if your loans carry a variable rate, additional information will be required, including:

? Months before first adjustment

? Months between rate adjustments

? Maximum rate adjustment

? Maximum rate, minimum rate

? Margin, index rate

? Index rate change per adjustment

? Months between index adjustments

This definitely helps you a lot in determining whether to pay points.

http://partners.leadfusion.com/tools/sovereignbank/home05/tool.fcs

Should I refinance?

Many of you may choose to refinance at a better interest rate, a lower monthly payment or a longer loan term. Indeed, refinancing comes with these benefits. However, I would like to say whether refinancing is a good deal for you ? it depends!

If you are considering refinancing and want to know if it makes sense for you, take advantage of this refinancing tool from Sovereign Bank. It calculates whether the decision to refinance your mortgage is a good one based on the following terms you have to enter:

? Regarding your current loan (original loan amount, original term, years already paid, balloon year and interest rate)

? Regarding your new loan (term, balloon year, origination charge, charge for specific interest rate, other settlement services and interest rate)

? Regarding your property (appraised value, yearly property tax and yearly property insurance)

? Regarding yourself (your savings rate, your state + federal tax rate and years before you sell)

The result of a calculation will tell you whether you can save and how much you can save by refinancing. Be noted that the calculator isn?t used to evaluate a cash-out refinancing, as it compares costs for the same loan amount.

http://partners.leadfusion.com/tools/sovereignbank/home11/tool.fcs

Additionally, certain fees involved in your mortgage and your loan process can also be figured out with ease, through the following calculators.

Calculate your payments on adjustable-rate mortgage

This calculator gives you an estimate of your initial monthly payment for an adjustable-rate mortgage loan, based on the loan amount, initial interest rate, index rate, months between rate adjustments, minimum rate, maximum rate and other terms. The monthly payment shown includes principal and interest, taxes and insurance as well as mortgage insurance if applicable.

Be aware that currently two widely used indices for adjustable-rate mortgages are the yield on 1-year constant-maturity U.S. Treasury bills (CMT) and the 11th District Cost of Funds Index (CPFI).

http://partners.leadfusion.com/tools/sovereignbank/home03/tool.fcs

Calculate your mortgage down payment

Most of you may be aware that the interest rate on a home loan determines (in part) the monthly payment. However, many of you may be unaware that your down payment also has an effect on the monthly payment.

This calculator just allows you to see how various down payment percentages will affect your monthly mortgage payment. It gives you an estimate of your monthly payments under two loans with the same features (such as loan term and origination charge), except for down payment and interest rate. This is because, in general, the higher your down payment, the lower the interest rate.

http://partners.leadfusion.com/tools/sovereignbank/home07/tool.fcs

Calculate your average yearly tax savings

With this calculator, you can get to know your average yearly tax savings on a mortgage loan and your after-tax interest rate on the loan. To get the information, all you need to do is just to enter the following information at no costs.

? Loan amount, term, interest rate

? Origination charge

? Charge for specific interest rate

? Other settlement services

? Your state + federal tax rate

? Appraised value

? Yearly property tax, yearly property insurance

http://partners.leadfusion.com/tools/sovereignbank/home08/tool.fcs

Calculate your closing cost for mortgage loans

For most mortgage loans, there are closing costs to pay for items such as title service, inspections, recording and appraisal. This closing cost calculator from Sovereign Bank would give you an estimate of what closing costs you need to pay.

Just fill in the required terms at the calculator, such as purchase price, loan amount, interest rate, adjusted origination charges, yearly property tax and yearly property insurance. You will be shown a variety of mortgage settlement charges you need to pay.

http://partners.leadfusion.com/tools/sovereignbank/home09/tool.fcs

Calculate the monthly payment for PMI over different down payments

In most cases, if you make a down payment of less than 20% of the purchase price, you are required to buy private mortgage insurance. Your down payment would affect your mortgage insurance rate as well as your monthly payment on a mortgage loan.

This calculator from Sovereign Bank just shows how your down payment affects them. The tool gives you an estimate of your monthly payment for private mortgage insurance over a range of different down payments, based on the interest rate, term, appraised value, yearly property tax and yearly property insurance you are required to enter.

http://partners.leadfusion.com/tools/sovereignbank/home13/tool.fcs

Calculate your closing cost for refinancing loans

As we know, refinancing generally makes sense if the amount you can save is enough to cover the associated settlement charges.

So, you can use this calculator to work out your mortgage closing costs (or settlement charges) for a given set of loan terms, such as purchase price, loan amount, term, interest rate and adjusted origination charges.

This tool divides settlement charges into two categories: origination charges and other settlement services.

Do you find that most of these calculators from Sovereign Bank require you to enter loan terms (such as interest rate and loan amount), your state + federal tax rate, yearly property tax and yearly property insurance? Anyway, no matter what information is required, make the information as actual as possible. So, you can get the numbers you need to make a right decision with these tools.

Note: Calculators mentioned in this article (Part Two) also allow you to print, save or share the information. Simply supply the required information, including your name, state and email address. If you choose to enroll in Sovereign?s eCommunications Program, you will receive special online offers, product updates and industry news.

Note: This web site is not affiliated with or associated to Sovereign Bank. Visit Sovereign Bank official service pages if you are looking for guaranteed information or professional financial advice.

Thanks for your visiting! We're always trying our best to complete the mortgage information presented here to help you get the most of your mortgage. Bookmark our site and revisit now and then for the latest info.

Source: http://www.mortgage-guides.com/articles/home-loan-calculators-and-tools-from-sovereign-bank-part-two.html

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Most People Make Blunder Connected With Dialling The Pet Dog ...

For some you will want to attempt to power ones creature so that you can bend over in your may. Have got a handle prepared to reward your puppy just after it completes an action nicely ask the item to properly. This is simple nevertheless will be helpful to your canine to recognise, particularly when you want to obtain his or her interest. In case their dietary plan is just not nutritionally audio, bodily and mental difficulties can get.

You?ll want to investigation a number of training models and then determine the ones that perform the best for your unique dog. And then and just next, should you create pleasure as a result of have fun with the dog. And lastly any hungry pet dog might be not likely to react likewise.

Just as with humans, favourable encouragement involving behaviors is far more successful. In any respect price present confidence, overall tone, , nor, under any kind of scenarios suggest to them some weakness. After you consider your pet out to use the bathroom, you have to be patient by using your pet. In your own time together with the pup as well as fool around with them if a person depart them only he?ll be depressing as well as feel he do a problem. Have fun with your puppy usually.

If you?re experiencing difficulty by using proper dog training, in which case you may need to look pictures exercising schedule. Subsequently hold back until your dog can be calm once again, while using the invitee giving orders as required. Make use of puppie?s name whenever phoning to consider a walk, pertaining to meal times, and for have fun with.

Away from and also down will be a couple various things into a doggy, and so make sure you usually are not confusing the pup. When your usually well-behaved along with house friendly pet will start exhibiting weak manners, such as peeing in the house, take it with a animal medical practitioner to rule out almost any medical problems. You can infuse self confidence with your pet when they learn you?re foremost the rest and building a options. In addition, in no way attack your dog since this only will are designed to confuse it all of which will can even make instruction more challenging.

You need to meaning that while in education your pet will not wind up in hassle. Avoid a training session together with your dog if you grow to be mad with it. Coaching can continue considerably more successfully when you return.

Several times with this technique, and you will prepare your puppy to help keep the idea silent. Lots of people your pet consider you will be Academy Fantasia Singapore all-seeing and all-hearing. Furthermore, them makes sure that a person?s target is actually entirely on education, which happens to be critical to providing your canine?s achievement.

More often than not entrepreneurs believe that because their particular dogs have gone through canine training they can just forget about the item.

Source: http://siscer.net/articles/pets/most-people-make-blunder-connected-with-dialling-the-pet-dog-for-many-years-if-they-are-poor-2/

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Justin Bieber's 'As Long As You Love Me' Video: Growing Up Is Hard To Do

Bieber dives headlong into adulthood — and takes a beating from Michael Madsen — in his brand-new video.
By James Montgomery

Justin Bieber in his "As Long As You Love Me" music video
Photo: Island/ Def Jam

Source: http://www.mtv.com/news/articles/1690963/justin-bieber-as-long-as-you-love-me-music-video-premiere.jhtml

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Health Insurance Refund Coming to Millions of Americans ...

From: Health Insurance Blog - 3:11pm - July 31, 2012
There are many aspects of the Affordable Care Act that are up for debate, but many Americans will be pleased to hear that a refund check could be coming their way. ?By August 1, 2012, health insurance companies will be refunding about $1.1 billion in premiums to approximately 12.8 million customers. ?In the Affordable Care [...]

Continue reading this article ?

Source: http://ewallstreeter.com/health-insurance-refund-coming-to-millions-of-americans-5169/

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Tuesday, July 31, 2012

Army to the rescue again - this time to fill seats

LONDON (Reuters) - British troops brought in at short notice to help with security at the Olympic Games were summoned to the rescue for a second time on Sunday - this time in the less arduous role of filling empty seats.

The Games organising committee, LOCOG, turned to the army again after television footage of rows of empty seats at many venues caused outrage among Britons who had tried and failed to buy tickets under a complex allocation system.

"LOCOG has kindly offered service men and women working on venue security to make use of unutilised seating when they are off duty," a Ministry of Defence spokesman said.

"These seats will be made available to venue security personnel to utilise on a voluntary basis when off duty."

Earlier this month, the government was forced to deploy an extra 3,500 troops - some of them just back from stints in Afghanistan - after private contractor G4S failed to meet its commitment to supply 10,400 security guards.

The armed forces are now in charge of airport-style checks at several venues including the media centres, easing safety concerns in a city that was hit by bombing attacks in 2005, hours after being awarded the Olympics.

Troops from the elite Parachute Regiment have been searching buses at a roadblock going into the Olympic park.

One soldier with 18 years' service told Reuters he had learned only on Tuesday that he would be on Games duty, sharing makeshift accommodation in a room with 30 others in east London, and had had to cancel his holiday and break the news to his wife.

Others, enjoying the unexpected bonus of tickets to the women's gymnastics on Sunday, said they had been told they could not speak to the press.

The army enjoys strong public support in Britain, a reflection of widespread sympathy and respect for its losses in the wars in Afghanistan and Iraq. Troops are not normally deployed at home except to guarantee essential public services during emergencies.

(Additional reporting by Guy Faulconbridge and Pritha Sarkar, Editing by Mark Trevelyan)

Source: http://news.yahoo.com/army-rescue-again-time-fill-seats-150606008--spt.html

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Monday, July 30, 2012

Indiana Real Estate: Buying Indianapolis Real Estate: First Time ...

If you find yourself looking to pay for your first dwelling, then it's perfectly understandable you're going through more than only a couple of jitters. It has invariably been an overwhelming for quite a few, choosing instead to go on renting an apartment without gain equity in a property. There may often be several reasons that searchers just give up their dreams with owning their first item of Indianapolis real home, but all analysts can be updated by simple instruction. Here are one or two things that you absolutely want to find out and consider because you are going through this huge financial commitment.

What is essential to you? This is your master of speaking closely together with the future residents of your Indianapolis real estate you're looking to pay for. You have to know what your priorities are concerned the location, the size as well as features of the house and property. These will make it easier to narrow down your search because you are going through the listings available to you.

How much do you afford? A diligent study within your current financial standing will almost certainly give you a good assessment of anything you can afford. Few wise to set a cost cap for your Indianapolis housing. That way, you'll find a set price range that you may sort the sale listings with. It is also immensely important that you look at most of the financing options available to you, and remember to read simple things this according to the current income basic safety. This little item of advice will assist you to get through this decision incredibly easier, and help you save major time throughout the full process.

Location, site, location. This is undoubtedly an old real home rule that still stands equally as true today. Similar property types that happen to be of the same size will differ in value because simply of your location that must be in. These values can have the promise with future developments, today's number of mortgage foreclosures and distressed dwellings, or perhaps simply what the heck is around the location. Values are driven primarily by comparing sales, so you should definitely study them in addition.

Are you buying the best deal? Comparable sales are the first thing, but getting the perfect deal means for you to possess some considerable a higher standard skill in regards to negotiating. You need to get the help on the professional: an efficient Indianapolis realtor. His years of experience around, and the expertise that these years have given him might be of great assistance because you are looking to make potentially greatest investments of your well-being.

Need help with negotiating your?Indianapolis Real Estate?sale? Great. I would be more than happy to help you contact me at jim@bardesrealty.com or visit?www.expertzoo.com/indianapolis-real-estate.aspx

Source: http://realestateinindianapolis.blogspot.com/2012/07/buying-indianapolis-real-estate-first.html

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Shorouk_News: #Palestine #Israel ???? ??????? ?????? ????? ?????? ????? ?????????? .. http://t.co/NPczR5Y1

Sorry, Readability was unable to parse this page for content.

Source: http://twitter.com/Shorouk_News/statuses/229853553664065536

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Sunday, July 29, 2012

Rihanna's Additional Weight Loss, Health Plus Fitness And Workout ...

www.empoweryourbody.com Rihanna?s Weight Reduction, Physical fitness and Physical exercise Regimen Great or Poor?
Rihanna?s Excess weight Reduction, Fitness and Exercise Routine Is It Correct For You? Video clip Rating: three / five

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Rihanna?s Additional Weight Loss, Health Plus Fitness And Workout Routine Is It Suitable For You?

Source: http://peacefullife.researchml.org/rihannas-additional-weight-loss-health-plus-fitness-and-workout-routine-is-it-suitable-for-you/

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Kazor.com World Community News ? Total Ecommerce Solutions ...

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Why Ecommerce is most popular now a day?
Why market analyst says that ecommerce is more growing in future?

The answer is Ecommerce is very easy to use and flexible. As per the trends people become a more uses of internet net to check latest update, purchasing a products, services, online business, social networking and much more. That?s why ecommerce media is become a more popular to getting anything you want.

If you are planning to develop business online and want to develop ecommerce website then your search?s end. OSDI TechnoloLabs has a great experience in developing a ecommerce website, store and shopping cart as per the current market trends. Whatever your requirement is (Ecommerce development or Shopping cart development), our Ecommerce expert team will give you best solutions as per your need.

Our ecommerce expertise is ? ecommerce website design, ecommerce store, ecommerce shopping cart, Ecommerce portal development, ecommerce multi-store, Multichannel ecommerce website, multivendor and multi-language ecommerce website.

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What are you waiting for your requirement for ecommerce, drop us an email, we will take care and give you the best solutions as you need.

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Source: http://www.kazor.com/2012/07/total-ecommerce-solutions-osdi-technolabs/

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Enter Into The Health and fitness Groove By Using These Great ...

July 29th, 2012

Uncategorized, by AbruzzoMeinzer762.

If you are just starting in your personal exercise program or previously deeply inside a health and fitness regimen which fits your life-style, you could always learn a tad bit more concerning how to get in shape and stay that way. Novelty is an important tool in physical fitness getting new exercise routines and tricks can stop you from receiving bored. Here are several tips for you to think about:

Take in a lot more broccoli to acquire your body in much better condition. Broccoli is rich in calcium supplements and vitamin c. It has an extended reputation of marketing wellness. You can actually incorporate broccoli into the diet plan. It is perfect for you regardless of whether uncooked or prepared. Add these to your chicken eggs each day to start your day proper.

When hitting the gym, don?t rush via bodyweight or standard exercising repetitions. To get the best result, do them little by little. Make sure you can certainly have the resistance. Attempt to resist carrying out them as fast as possible. It is a frequent blunder for individuals to create when they get too worn out.

You are able to go swimming quicker by focusing on growing your foot overall flexibility. The better accommodating your legs are, the greater it will be possible to propel with the water. Versatile toes and legs will work like flippers, helping you to glide with the normal water, hence helping you to swim faster.

If you are seeking to increase muscle, make sure to take in beef. You ought to eat about four to eight ounces of meats day-to-day. Beef, chicken, poultry, and fish are some types of meats that you can eat. If you eat various meats during the time that you are currently seeking to develop muscle, you are able to acquire significant muscle mass.

Getting into good shape isn?t a simple thing to do and lots of men and women battle with getting into form. Since you now know some good info on methods for getting in shape you would like to start attempting them out in your every time lifestyle. The only way you?re likely to see development is by trying.

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Source: http://blog.ilove3c.com/2012/07/29/enter-into-the-health-and-fitness-groove-by-using-these-great-suggestions-2/

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Saturday, July 28, 2012

Analysis: US dilemma in South China Sea response

WASHINGTON (AP) ? China has heightened tensions in the South China Sea with its new, remote island city and planned military garrison in a contested area viewed as a potential flashpoint for conflict in the Asia-Pacific.

How might the United States respond?

Criticize Beijing too strongly and the Obama administration will strain its relationship with the emerging superpower. Let it pass and undermine two years of intense diplomacy that has promoted the U.S. standing among Southeast Asian nations that are intimidated by China's rise.

A key plank of the administration's engagement in the Asia-Pacific since 2010 has been its declaration of a U.S. national interest in the maintenance of peace and stability in the South China Sea, where China and five of its neighbors ? most notably the Philippines and Vietnam ? have competing territorial claims.

But tensions have only escalated. China's raising of the flag this week at Sansha municipality, on tiny Yongxing island, 220 miles (350 kilometers) from its southernmost province of Hainan, come as claimants jockey for influence in the resource-rich region.

China will not be able to project much military power from such a small outpost ? with a population of just 1,000 people and scarcely room for an airstrip ? but it has symbolic importance. Beijing says the municipality will administer hundreds of thousands of square miles (kilometers) of water where it wants to strengthen its control over disputed ? and potentially oil-rich ? islands.

In Washington, lawmakers interested in Asia policy have been quick to respond. Republican Sen. John McCain called the move provocative and reinforced worries that China would attempt to impose its territorial claims through intimidation and coercion. Democratic Sen. Jim Webb said China's attempt to assert control of disputed territories may be a violation of international law.

While the State Department was careful in its reaction, it also criticized China's "unilateral moves."

"I think there is a concern here, that they are beginning to take actions when we want to see all of these issues resolved at the table," spokeswoman Victoria Nuland said Thursday.

President Barack Obama will not want to appear soft on China as he fights for re-election against Republican contender Mitt Romney, who has accused the incumbent of being weak on Beijing and has vowed to get tough, in particular, on China's trading practices.

However, the United States walks a fine line in its diplomacy on the South China Sea, always stressing it does not take a position on the competing sovereignty claims.

Defining it as a U.S. national interest in 2010 helped galvanize Washington's standing in the region and revive its ties with treaty ally Manila and build a relationship with former enemy Hanoi. As part of its broader push, or "pivot," toward Asia, the U.S. elevated its engagement with the Association of Southeast Asian Nations, or ASEAN, and strongly supports the 10-nation bloc's efforts to negotiate collectively with China on the issue and draft a code of conduct to help manage South China Sea disputes.

That's annoyed China, which claims virtually the entire South China Sea and its island groups and would prefer to negotiate with the other claimants individually. Beijing also views U.S. intervention on the issue as encouraging Vietnam and the Philippines to be more confrontational in asserting their own claims.

When Chinese fishing boats were stopped by the Philippine vessels at the disputed Scarborough Shoal in April, inside what Manila regards as its exclusive economic zone, it deployed a navy ship ? supplied by the U.S. the previous year ? prompting China to send more vessels of its own, escalating a standoff that rumbles on.

And the establishment of Sansha municipality in another portion of the South China Sea follows Vietnam's passing a law in June stating its jurisdiction over the Paracel and Spratly Island chains and declaring that all foreign naval ships entering these areas must notify Vietnamese authorities.

The chance of such disputes spiraling into a major conflict still appears slim, but the stakes could rise in the years ahead as competition intensifies for the oil and gas resources in the South China Sea. China recently put out for tender exploration offshore blocks that overlap with areas already tendered by Vietnam, and Philippine drilling plans could also put it on collision course with China.

The U.S. strategy for managing and eventually resolving these disputes largely hangs on the efforts of ASEAN. The bloc has made some progress in drafting a code of conduct, but there's no sign of a lasting resolution of territorial disputes, and the South China Sea is emerging as a divisive issue in a grouping that prizes its unity.

For the first time in its 45-year history, ASEAN failed to issue at communique at an annual meeting of its 10 foreign ministers this month, when host Cambodia, viewed as pro-Beijing, rejected a proposal by the Philippines and Vietnam to mention their separate territorial disputes with China in the statement.

In a damage-limitation exercise, ASEAN's largest nation, Indonesia, brokered a compromise last week. But it's one that will do little to assuage concerns of a rift within the grouping and a narrative that the Obama administration will be anxious to avoid: that the struggle over the South China Sea pits the strategic interests of the U.S. against China.

___

Matthew Pennington covers U.S.-Asian affairs for The Associated Press in Washington.

An AP News Analysis

Source: http://news.yahoo.com/analysis-us-dilemma-south-china-sea-response-075441137.html

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Hiker dies after plunging off cliff into Alaska river

By Reuters

ANCHORAGE, Alaska -- A hiker has died after falling into a river in a remote part of northern Alaska, ?the U.S. Coast Guard said Thursday. His companion was rescued by helicopter.

The Coast Guard did not release the identity or nationality of the victim, who slipped off a cliff in the Brooks Range on Wednesday night. The companion, Olaf Schooll of Norway, was rescued, the Coast Guard said in a statement.

The two men had been trying to hike across the northern part of Alaska, from the Canadian border to the Bering Sea, the statement said.

The accident occurred at Atigun Gorge, a spot about 240 miles southeast of Barrow, it said.

Schooll used a satellite telephone to call for help, the statement said. A Coast Guard air crew found him, hoisted him into a helicopter and flew him to Barrow.

More Alaska coverage from NBC?station KTUU in Anchorage

Crew members found his dead companion about a mile downstream in the Atigun River, but terrain and water conditions prevented the recovery of the man's body at that time, the Coast Guard said. Searchers were attempting on Thursday to recover the body.

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Source: http://usnews.nbcnews.com/_news/2012/07/27/12983963-hiker-dies-after-plunging-off-cliff-into-alaska-river?lite

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Friday, July 27, 2012

Man City expose Arsenal weaknesses

Manchester City exposed problems in the heart of Arsenal's defence to seal a 2-0 friendly victory at Beijing's Olympic stadium on Friday.

Two goals just before half-time from Pablo Zabaleta and Yaya Toure proved enough for the Premier League champions against an Arsenal side without many of its key players -- including wantaway captain Robin van Persie.

The striker has been at the centre of transfer speculation linking him to both Manchester clubs. City boss Roberto Mancini earlier this week said he was a keen admirer of the Dutchman.

Arsenal started brightly in torrential rain at the "bird's nest" stadium.

Theo Walcott -- known as Xiao Laohu, or tiger cub in Chinese -- burst through the right on four minutes to cross for fellow England international Alex Oxlade-Chamberlain, but the chance was snuffed out by Stefan Savic.

Ten minutes later Gervinho weaved inside the box to lay off to Walcott, whose effort was blocked.

Walcott then created a chance for himself, much to the delight of the home crowd, who cheered his every move.

The forward made space just beyond the left-hand side of the penalty box, but his attempt to curl the ball into the right corner went narrowly wide.

Moments later Carlos Tevez darted into the box and attempted to play himself through by clipping the ball around Arsenal rookie Carl Jenkinson.

But the Argentinian pushed the ball too far and it ended up safely in the hands of Arsenal's reserve keeper Lukasz Fabianski.

City were beginning to gain the upper hand and went in front five minutes before half-time.

Defender Jenkinson was caught out of position and Yaya Toure dribbled beautifully into space before laying the ball off for the in-coming Zabaleta, who drilled home from inside the box.

City made it 2-0 just three minutes later, again taking advantage of some poor defending from Arsenal.

The dangerous-looking Aleksandar Kolarov ran into space down the left and cut a deep ball into the box which was laid off by Sergio Aguero for Yaya Toure to tap in from close range.

City took their foot off the pedal in the second half and defended deep, much to the frustration of Arsenal.

Oxlade-Chamberlain was unfortunate not to pull one back for Arsenal when he hit a rasping shot from the edge of the area which bounced off both posts.

Half-way through the second half, Tevez jostled past Kieran Gibbs to find space for himself on the right. He crossed for Aguero, who somehow missed the target from close range.

Source: http://news.yahoo.com/man-city-expose-arsenals-weakness-162206215--sow.html

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A look at tech companies with recent IPOs

Two newly traded tech companies, Zynga and Facebook, both reported quarterly earnings that disappointed investors. Others will be reporting in the coming weeks.

Here's a look at earnings reports from some tech companies that had IPOs since last year. The companies are all loosely Internet-related, though their businesses vary widely.

? Wednesday: Zynga Inc. says it lost money and received less revenue than anticipated in the second quarter because "CityVille," ''FarmVille" and other games are not attracting as many paying players as they should. Its stock tanked and dragged Facebook's shares as well because the social networking icon relies on Zynga for a good chunk of its revenue ? 12 percent last year. Revenue fell below Wall Street forecast, while expenses grew. The company says the number of players increased only because it got more players from its acquisition of OMGPop, the maker of the mobile game "Draw Something." Zynga began trading on Dec. 16, 2011.

Angie's List Inc. reports that its losses are still piling up as the company spends more to lure people to its online business-review service and persuade them to pay to see ratings on everything from plastic surgeons to sewer cleaners. Angie's List began trading on Nov. 17, 2011.

? Thursday: Facebook Inc. says revenue grew 32 percent to $1.18 billion in the second quarter, slightly above analyst expectations. It had a net loss of 8 cents per share, mainly due to stock compensation expenses following its IPO. Adjusted earnings of 12 cents per share matched Wall Street's expectations. Investors weren't impressed and after a brief spike, Facebook's stock tumbled. It was Facebook's first quarterly earnings report since public trading began on May 18, 2012. Facebook now has 955 million users, up about 50 million during the quarter.

Coming up:

? Wednesday: Yelp Inc. (first day of trading on March 2, 2012)

? Thursday: LinkedIn Corp. (first day of trading on May 19, 2011)

? Aug. 7: Jive Software Inc. (first day of trading on Dec. 13, 2011)

? Aug. 13: Groupon Inc. (first day of trading on Nov. 4, 2011)

Source: http://news.yahoo.com/look-tech-companies-recent-ipos-214354594.html

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Why Exercise Sessions Can Be Beneficial For Your Health ? How ...

If you exercise regularly, you?re sure to benefit from it, but you can get even more out of your workouts if you approach them in the right way. Even the smallest things can have an impact on your progress; like your routine, what you are eating and possibly even your mood. In this article, we will offer some suggestions that may help you with your fitness routine. Just a few decades ago, weightlifting was limited to those that wanted to bulk up and have large muscles on their body. Typically, this is why people lift weights however now, especially in the last decade, people have started to do so for other reasons.

In regard to weight loss in particular, strength training like having a recumbent exercise bike can be very beneficial. Strength training in general is something that causes your metabolism to go faster and as a result will burn extra pounds. As you can see, more muscle mass is equal to burning more calories. Your muscle strength, stamina, and bone density, will all improve because of a strength training program. So, by virtue of your weight lifting program, your bones will become more dense and your stamina will increase as well. A visit to the family doctor is probably a prerequisite to beginning any fitness training program. If you are overweight, or have illnesses that may lead to severe health issues, your doctor will know how to modify your workout.

So that you do not overdo your workout, and injure yourself, your doctor may make some modifications. You probably can do some type of exercise, even if you have a health condition or a physical limitation. If you do suffer from some type of health issue, you might want to begin with something simple like walking and gradually moving up from there. The best advice, however, will always come from your doctor. Your diet can be a very vital element of any exercise regimen. Simply do not forget your pledge to your commitment to a healthier eating plan. Regardless of whether or not your diet is prescribed or otherwise; your food intake is important to your health.

The proper food list would include variations of whole grains, fruits and vegetables; and the not so proper one includes junk and processed foods, along with sugary products. By eating better you will have more vitality and your exercise plan will give you a better payoff. Most people that develop the habit of working out every day, after a certain point, could not imagine life without it. Habits are simply things that we do the most of on a regular basis ? a better habit is to work out daily If you have goals already established as to what you want to do with your life in regard to working out, hopefully these tips will help you arrive there quickly and safely. The effects your fitness program will generate can be better when you apply the appropriate techniques. Even the smallest things can have an impact on your progress; like your routine, what you are eating and possibly even your mood. In this article, we will offer some suggestions that may help you with your fitness routine. Weight lifting used to be done mainly by bodybuilders and athletes who wanted to get stronger and have bigger muscles. Typically, this is why people lift weights however now, especially in the last decade; people have started to do so for other reasons. In regard to weight loss in particular, strength training exercises can be very beneficial.

By lifting weights, and building muscle mass, your metabolism will increase and therefore fat burn off will as well. Therefore, to burn more calories, you need more muscle. Your muscle strength, stamina, and bone density, will all improve because of a strength training program. If you do resistance training, it will definitely be a positive component of your workout routine. A visit to the family doctor is probably a prerequisite to beginning any fitness training program. Serious health issues such as high blood pressure or obesity may cause your doctor to wisely modify your workout regimen. If you do have issues, your physician can modify your workout accordingly. You probably can do some type of exercise, even if you have a health condition or a physical limitation. If you do suffer from some type of health issue, you might want to begin with something simple like walking and gradually moving up from there. Your doctor is the best one to advise you on such matters.

Your diet can be a very vital element of any exercise regimen. Simply do not forget your pledge to your commitment to a healthier eating plan. Keep in mind that you need to focus on the impact your nutritional daily food has on your diet. The proper food list would include variations of whole grains, fruits and vegetables; and the not so proper one includes junk and processed foods, along with sugary products. This will invigorate you and give your fitness program a boost. Most people that develop the habit of working out every day, after a certain point, could not imagine life without it. Working out every day is definitely a habit that most people should have instead of one that motivates you to do nothing at all. If you have goals already established as to what you want to do with your life in regard to working out, hopefully these tips will help you arrive there quickly and safely.

Calvin Heath is also an expert in machine equipment exercises which can help you develop more muscles. He had been a bodybuilder on his younger times and won many titles in a cycling bike and earned gold medals attending bike tour competitions.

Source: http://www.loseweight-howto.com/2012/07/26/why-exercise-sessions-can-be-beneficial-for-your-health/

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Thursday, July 26, 2012

North Korea's former cheerleader first lady ditches drab outfits

SEOUL, South Korea - The father fell in love with a dancer. Now the son has fallen in love with a singer.

The talk of Seoul today is all about the 24-year-old ex-singer-turned-first lady of North Korea, Ri Sol-Ju, who was officially mentioned by North Korean TV on Wednesday as the "comrade wife to Marshall Kim Jong Un."

A new video was aired today of the two walking arm-in-arm, a rare lovey-dovey image which analysts in Seoul say is aimed to make North Korea's young leader appear "stable and fatherly."

Kim, 28, rose to power earlier this year after the death of his father Kim Jong Il last December. His father never appeared in public with an official wife, but is known to have had four or five wives. Jong Un was born to Jong Il's fourth wife, a celebrity dancer named Koh Young-Hee.

[Slideshow: Kim Jong Un's 'comrade wife']

The new lady in the spotlight, Ri, is a popular singer who was spotted performing on stage numerous times in the past few years. There is still no confirmation on when they were married, but the two are known to have a child together, according to the National Information Service, South Korea's intelligence agency.

Ri is from an average family, graduated Geumsung 2 Middle School in Pyongyang and studied abroad in China majoring in vocal music.

She has also visited South Korea in 2005 as a member of North Korean cheerleading team for the Asian Athletics Championship held in Incheon, said the agency. Ri was one of the 90 cheerleaders back then who chanted "We are one!"

The cheerleaders wore Nike caps, danced with South Korean college students, and attended a dinner party with government officials. There's speculation that she also might have participated in an inter-Korean teenagers' event in 2003 to plant trees.

But what has attracted the most attention in Seoul today is her beauty and sense of fashion. She wore colorful green, burgundy, and yellow outfits, polka dot patterns, open-toe pumps, and even a chic brooch on one of her dresses. North Korean women usually wear their traditional costume, or monotone black or grey suits to public events.

[Related: 'Un' no longer the loneliest number]

"I was surprised because she was so up-to-date in fashion. My friends think she's very pretty too," said Hyun-Sun Kim, 22, a nurse.

"I think Ri Sol Ju possesses a classic traditional Korean beauty, a round face and clean skin," said Edward Han, 52, a South Korean businessman. "And she's got that image of an obedient wife which sure would be popular among the elders especially."

Yunjoo Lim and Sungeun Lee contributed to this report

Parenting Young Children While Successfully Managing Your Home

I would love to sit down and talk with you, and through the internet I am able to do so!? *smile*? With the wonder of the internet I am able to not only talk with?you but also other moms who can anser my questions and help me with my struggles.? Out of one such relationship the idea was born to share both of our experiences with you; ansewring questions we get together.? We get to have fun writing about the issues that mom struggle with and you get the benefit of two perspectives on the same subject.? (And part of my style is to insert lots of links to other resources.? Be on the look out for links to additional posts I have written with?even more detail on particular topics.)

Sherry Hayes?of Large Family Mothering?and I are calling?our team writing project "Large Family Matters".? As the name implies, we will be writing about large family matters because large family matters to us and to you.? *smile*

Here is the question Sherry and I will both be answering this time:

"I was wondering if you had any insight to those hard years when you have a lot of littles [only] but still need to teach the foundational subjects.? I'm looking for practical helps.? I'm really struggling right now.? My children are 11 mo., 3 yrs, 5 yrs, 7 yrs, and 9 yrs. old? No matter what I use as far as [homeschool] curriculum, it's the day to day management of home, cleaning, school, training, nursing, putting out 'fires', etc. that I can't seem to get a handle on."? ~

First of all, may I just validate these moms in feeling that this season of having a bunch of little muffins and no big helpers is a lot of work *hugs* - but the fruit of your efforts when children are just a little older can be so very sweet.? I remember it clearly.? I was so busy, really doing everything myself.? *smile*? And life is still very busy for me today as a mother of 9, but now some of our littles have grown to become great contributors in the family functioning, which is so good not only for practicality, but for their own character.??

Here is what I would encourage you to consider doing as a mom of many "littles", in this order:

Make sure you get enough sleep

Spend time in God's Word every morning

Drawing on husband support

Eat healthy foods

Implementing some child management strategies

Implementing a weekly routine

De-clutter and organize your home

Now I know this looks like a lot of huge things to tackle - please try not to be overwhelmed!? *smile*? And I know that just finding the time to seek help for yourself by reading posts like these can feel overwhelming in itself.? Just take one piece at a time, and each one can improve life and your outlook on it and help you get to the next step.? I also hope that mine and Sherry's posts can bring you vision and hope for your future, which in itself can lift one's spirits.??

I'll expand on each of these steps below, but here's the reasoning of this approach:? (1) Getting enough sleep can help you feel like you can cope with life in general.? This means getting to bed at a decent hour so that you can rise early and get a good start; and it may mean taking a nap daily.? And (2) you'll then be able to stay awake for some time in God's Word every morning, starting your day off with the Lord who loves you and can guide you.? His Word will bring direction, information, peace, blessing, and strategy.? (3) Eating good, whole foods will bring you more energy, vitality, and minimize your time in the kitchen because your children won't be hungry (or falling apart) so often.? (4) By implementing some child management strategies you can keep kids safe and your house from being destroyed while you're adjusting to a new life approach.? *smile*? Now, (5) you need a proactive plan for your entire week.? Instead of reacting every day, hoping that the important things get done such as meals, quality time with kids and husband, and a clean home (which rarely do happen in reaction-mode), you can budget your time, and make sure that all the important things get done every week.? Then (6), when you can plan a daily time to work a bit at a time on de-cluttering and organizing your home, then you can move yourself towards maintaining an orderly, pretty stress-free home, instead of drowning in it.? And (7), my husband, Bob, encourages you to ask for support from your husband, as you take on a new plan for your family.? Now I'll break these steps down in to more detail for you - don't worry.? *hugs*? *smile*

1. Make sure you get enough sleep?

I'll tell you up front, this takes discipline.? *smile*? You may not realize it, but it does.? Because staying up late to watch TV, or do projects that you never get to otherwise, will not serve you well in your daily responsibilities.? Of course there is time to rest and relax, though!? It's important to have a balanced life.? But there must be time for that during the day time, or early evening, or weekend, so that you can get to bed in time during the week to enable you to get up early in the morning.? It's important that you be able to stay awake to have time with the Lord every day because He loves you and He will guide you in all of your decision-making.? It's important that you have a shower before the children are up (*wink* yes, you heard me correctly), and do some morning tasks such as making the bed, opening up the window blinds, making coffee if that's what you desire - getting ready to receive and serve your little crew with dedication, commitment, and a smile because you're well-rested and ready.? When a mom is rested, the world is a new color.? *smile*? It's the beginning of being a mom with vitality.

Here is some good information on sleeping better:? how to make your bedroom a better place to recharge.? Here's one of my posts on why getting sleep is valuable and how to accomplish it with a family of any size.? In fact I'd like to recommend a blog to you on this subject called, The Well Rested Family, by sleep expert Malia Jacobson.? And if you're struggling with getting sleep due to having a baby in the family, here is how we've learned to help babies sleep through the night by 12-weeks-old.

2. Spend time in God's Word every morning

This is so very important.? I've heard it said many times that it is the most important thing you can do to improve life in general, for anyone (but of course you need to be able to stay awake to do so, which is the only reason it is second on my list for you).? Through God's Word you can receive encouragement, direction, ideas, learn to prioritize, make decisions for both yourself and your children that are honoring to the Lord - which brings blessing.? We can get a?better perspective when we spend time with the Lord.? For more detail about how I do this exactly each morning, for how much time, what my approach is, etc.,?you can read my post, This Large Family Mother's Personal Daily Bible Study - At Home.??

You do not need a book study or store-bought study to follow.? Just read His Word - His letters to you - every morning.? Without leaning on the Lord's strength and direction you are trying to do life on your own, by yourself.? But there is no need for that.? If you're not spending time with the Lord every day of course you're feeling like you can't do life!? You can't!? Without Him.? *hugs*? But with Him,

"[You] can do all things through Christ who strengthens [you]." ~ Philippians 4:13

3. Drawing husband support
My husband, Bob, suggests also requesting support from your husband for both mom and children. For example, he could take the children out for a little while even if only for a drive in the car so that mom can have some quiet time, maybe a nap, or time for home projects, etc. It's good for the kids to get out anyway and they will love exploring the world with dad. If nothing else it will give mom a chance to get a breath. We have done this Sundays after church or occasionally on a Saturday. Sometimes Bob will take the kids out for a little walk on the bike path near our house, or he's taken them to a state park to build a camp fire, or to explore the woods. These times even if they're only for an hour or two make a huge difference for me in recharging.

??
4. Eat healthy foods I grew up eating healthy food and learning all about the benefits of it, and have done even more research and learning in my adult life.? Mine and Bob's most recent discovery is Green Smoothies, and "Whole foods" as a category - and by this I mean whole grain and whole wheat, raw vegetables, fruit, beans, nuts.? These enable people's bodies to feel satisfied for long periods of time, they are filling, energizing, helping people feel alert and awake, and just plain good in general!? *smile*? Processed foods made with white flour (which turns to sugar when it hits our saliva) and sugar sap people's energy, make their brain tired, weaken their immune system making them vulnerable to sickness and much worse, and result in feeling hungry again in about 90 minutes. Many people even find themselves addicted to sugar in their diet, and this is a very powerful and detrimental habit for a mom and her family.

If you desire to serve your family meals four times each day - breakfast, lunch, snack, and dinner - and not be spending unnecessary hours in the kitchen, and have children who are satisfied and feeling good longer, whole foods can get you there.? We eat at each meal until we're full (and lower quantities than we did before, because "whole foods" are so much more filling!), and then we leave the kitchen until the next meal.? Done - movin' on.? Don't get me wrong, I love to cook - but I do not like to waste time.? *smile*

5. Implementing some child management strategies
Now we are all about training our children to be obedient, but we have also found that when there are lots of little ones in a family it can be hard to keep up with the speed and magnitude with which children can get in to trouble.? We have 9 children close together in age, and the youngest four were all born within 22 months.? It really feels like quadruplets with that group.? And when one gets in to trouble, the other 3 are right there to multiply the destruction four fold in just seconds.? It's one thing to train one baby or toddler towards safety and obedience in the home; it's a whole different ball game to train a bunch simultaneously.

So when the Lord blessed us with these little muffins so close in age we had to start thinking about parenting a little differently than we did with just two children.? We needed to start implementing some child management strategies to save my sanity.? We began using baby gates, door knob locks, cupboard locks, and adding additional structure in their day to help the children be safe and productively occupied.? Now the children still have plenty of opportunity to learn self control around the house with opportunities to reach books, desk/office supplies, kitchen utensils (safe ones), etc., and when we get a handle on those a bit then we'll remove some of these child safety devices so that the children can continue developing self control and not need these extra things.? But I've not been able to do it all simultaneously without the help of some child management tools.

Below, for example, you can see how we put up a baby gate at our bedroom door which does a few things for us.? It provides a?sanctuary for mom and dad so that the master bedroom is not full of toys and child-proofing because children do not play in there; it gives me?a place to allow the twin babies to have some floor time without the risk of being run over or played with?carelessly by well-meaning young siblings; and it allows our small home to still feel open and not even smaller because the doors are closed.

For more detailed information on how we?imlement child management strategies you can read my post on productively occupying 3-year-old boys, and my posts on scheduling, namely productively occupying young children:? inclusion in homeschooling.

6. Implementing a weekly routine

This concept of having a weekly schedule has literally changed our life:? how we approach the daily needs and responsibilities, and acquire balance in life.? Time to work and time to play, time to rest, time to exercise, time to read, homeschool, do a hobby, clean the house, serve outside of our family, build a marriage, etc.? It's all a matter of budgeting one's time, and prioritizing in advance when everything will get done.

When I had our third baby I cried out to a dear friend for help with how to do life, she pointed me to Steve and Teri Maxwell's books, namely The Managers of Their Homes.? Their book teaches people why scheduling is God's best plan for them with tons of scripture pointing out why.? And then the Maxwells walk a person through, step-by-step, how to put together a weekly schedule for any type of family:? rural, urban, farming or not, large or small.? Anyone can apply these principles and have success when they decide to embrace it and dive in!? *smile* Now you may be thinking, as I've heard countless times, "But I'm just not a scheduled type of person; I want to just wing it and take life as we go!"? Well, here is a post I've written for you to read then, Scheduling and routines:? you can't have your cake and eat it, too.? Here I will lovingly walk you through coming to see how some sort of plan for your days is really necessary, how it will bless you, and bring great freedom to your life. A weekly schedule can also bless your marriage greatly.? With a weekly routine you can have the home clean and dinner prepared when your husband arrives home from work.? You can have a smile for him (no small feat, I know), and be ready to have some daily quality time with him as well.? I've heard miraculous things from couples who have embraced having a weekly schedule!? Marriages can be transformed, and many people we've known have even decided that they would like to have more children (where before the husband was too overwhelmed by the home, children, and marriage to be open to it!)? Bob and I choose to make marriage a high priority, and this can make life so very sweet, as the Lord intended it to be.

With a plan for your week you can learn how to get it all done.? *smile*? You can learn to be proactive with your time and energy instead of reactive, which takes way more time and energy.? To live live ON PURPOSE.? I have written many posts on scheduling and routines if you would like to read more.? You can go to the Topics list on the right side, near the top of our home page, and click on "Schedules and Routines".? *smile*

From this...

...to this.? *smile*

7. De-clutter and organize your home

This is typically a great need in families, and even more so with many small children that we're trying to provide for.? We pretty much all tend to collect way too much stuff, and the more children, usually the more stuff.? *smile*? But there's hope!

Believe it or not, you can have a home that is uncluttered, spacious feeling, orderly, and fairly easy to maintain.? I'll show you how to do so, and suggest the learning of some new habits that can set you in motion for a new life style.? We live in an 1100 square foot home (plus a 2-car garage) with 11 of us in our family.? You can take a tour of our home if you would like.? *smile*? It's not fancy, but it is not chaotic either, and it feels spacious for it's size because we keep it very uncluttered and organized; and it is truly our favorite place to be.? (Not that it doesn't get covered with toys and activities when the kids play, but when it's time to clean up everything has a "home".)

The reason I have made this step last is because once you have put in to place these other steps then you can have time and energy to de-cluttering and organization in your home.? You can take one step at a time, one room at a time, and have a certain block of time to dedicate to it every single day.? *smile*? I'm telling you, this can transform a home in a huge way.??

I do specify de-cluttering and then organization in that order because it can be a fruitless effort to try to organize a space when it is full of things that one doesn't need.? And it takes too much time to manage too much stuff.? But you may be asking, "How do I know what to get rid of?? Where do I begin?"? I will show you.? *hugs*? With lots of pictures, and ideas, and resources.? Being disorganized is a waste of our time, our energy, and our finances.?

I have written many posts on organization and de-cluttering a home.? It is truly my passion!? I would rather organize than eat!? *laugh!*? Here are a few links to some of my posts if you would like to look in to the when's, why's, and how's of de-cluttering and then getting organized.

You can also go to the Topics list near the top of our blog home page, on the right hand side, and click on "Organization" to see a list of all of my posts on this topic.? But again, take it one step at a time.? Try to see the trees through the forest.? One step, one room at a time.? And you and your family will be delighting in your success before you know it!

~~~~~~~~~~

I know that this is a lot of information when you're on the front side of it. *hugs*? And I know that I linked to a lot of additional posts to read.? But this was a big question, and again I'm trying to give you hope and encouragement that there is a way, and vision for how it can be done.? I encourage you to pray and ask the Lord to give you patience (with both yourself and your family as you adjust), and perseverance, faithfulness to do what you can towards your goal each day, and to try to keep your eye on the end goal.? Life will still be busy with a passel of little muffins, but it can be doable, manageable, balanced, generally peaceful and enjoyable.? You can feel successful at the end of your day, and rest knowing that the things that didn't get done that day have their place on a different day and will be accomplished as well.? Have courage sweet friend.? The Lord is with you.? This is one of my very favorite verses in the Bible,

"For I am the Lord, your God, who takes hold of your right hand and says to you, Do not fear; I will help you."? ~ Isaiah 41:13

Here is a suggestion for how to begin approaching any of these 7 areas I've listed.? Use a "snow ball approach".? For example, for de-cluttering don't just jump in and take on the whole house, or even the?garage (the largest area of the house and the most complex).? *wink*? Write down small steps for yourself for how you might progress.? Like this.? Goal:? de-clutter every room of the house.? Start with the main floor rooms.??Beginning with?one room, or even just one small space such as a closet or?a kitchen drawer.? This will bring quick success and encouratement.? Work for 15-30 minutes every day.? Once you've done this for a few days, you'll increase in ability and pretty soon you'll have more time to put towards it because you've gotten faster and better at it and you have a little more time on your hands because there is less clutter to manage in your home, and you could work for 30-60 minutes.? See how it snow balls?? *smile*

Blessings on your efforts with your family,

Source: http://www.largefamiliesonpurpose.com/2012/07/large-family-matters-parenting-young.html

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