ZenZuu is a next generation social networking platform that lets you create a profile similar to other ancient social networks, except our leading edge technology allows you to make money by signing up your friends and receive revenue sharing. Seize your opportunity to cash in on the trillion dollar internet economy of social networking and global commerce with ZenZuu.
Please try this and signed up under my name Lilibeth Selli.
Thank you,
Sunday, August 3, 2008
Thursday, July 31, 2008
Stay healthy
Things You’ll Need:
Dedication
Motivation
Great Food
Mild Exercise
Step1.
Recently I set a goal to reduce my body fat percentage from 18 percent to 8 percent. It has been 4 months and I am at 10 percent body. My waist went from 37 inches to 31 1/2 and it is still shrinking. Losing weight is very simple and this article won't be very long due to the simplicity of losing weight. I will share my experiences of what worked for me. If you are ready to drop all the fad diets and change your life continue reading on.
Step2.
I am going to talk about exercise and food. I will start off with the most important aspect; food. Eating certain foods will help speed up metabolism. The ultimate way to lose weight is to increase your metabolism. So let's talk about how food can do that. Eating 5-6 meals throughout the day instead of 2 or 3 will help speed up metabolism and lead to a healthier style of living. A fast metabolism will cause you to burn more calories than normal while just sitting around watching TV. You don't have to eat less overall, just space every meal out a little bit more. Eat a small meal every 3 hours. Each meal should contain protein from chicken, turkey, lean hamburger, any kind of fish, nuts, and/or fat free milk.
Step3.
Certain foods will speed up metabolism. Eating 1 ounce of almonds, a tablespoon of peanut butter, a tablespoon of extra virgin olive oil, 1 cup of spinach, and drinking green tea every single day will speed up your metabolism so much that it will be hard to keep weight on. Adding these foods to your everyday diet is the most important thing you can do.
Step4.
Here is a sample of my daily food intake:8:00 a.m. One cup of high fiber cereal (Kashi-Go Lean). One cup of fat free milk. 2 egg whites.11:00 a.m. Lean Hamburger on a whole wheat bun with tomato and onions. Glass of water and spinach salad with tablespoon of extra virgin olive oil.2:00 p.m. 1 ounce almonds, 1 banana, green tea.5:00 p.m. 4 ounces of either chicken, fish, or turkey. Steamed broccoli. Baked potato. Either 8 ounces of milk or orange juice.8:oo p.m. Tablespoon of peanut butter. Whole wheat bagel with fat free cream cheese and either 12 ounces of water or glass of wine.Sticking to this meal plan has caused me to drop body fat like crazy and have a ton of energy. Portions for women may be smaller.
Step5.
Exercise: 3 days a week.Interval training is the best way to speed up your metabolism. Interval training is basically warming up with a light job for 5 minutes then medium pace jog for 2 minutes, sprint for 1 minute, medium pace for 2 minutes, sprint for 1 minute, medium pace of 2 minutes, sprint for 1 minute, and then 4-5 minute slow pace cool down. This process only takes 19-20 minutes and is way more effective than running at the same pace for an hour!A study showed that flat out running 3 times a week for 30 minutes straight with no changes in speed caused no weight loss in the study's participants.Optional: Weight lifting; 2 times a week.For those who really want to be ripped and not just skinny, you can weight lift twice a week. Bench pressing, dumbell curls, push-ups, sit-ups, and pull-ups are my highly recommended exercises. Natural exercises against your own body weight are the best ways to get super toned up.
Step6.
The combination of eating healthy and interval training is the best way to get stronger and lose body fat while retaining all of the muscle you have.Just eating like I described earlier is enough to make you lose weight. To really speed up the process incorporate 20 minutes of exercise into your routine only 3 days a week.
Step7.
I have tried a ton of different diets and this way of eating and exercising has proven first hand to be the most effective and lasting way to lose weight and keep it off.
Dedication
Motivation
Great Food
Mild Exercise
Step1.
Recently I set a goal to reduce my body fat percentage from 18 percent to 8 percent. It has been 4 months and I am at 10 percent body. My waist went from 37 inches to 31 1/2 and it is still shrinking. Losing weight is very simple and this article won't be very long due to the simplicity of losing weight. I will share my experiences of what worked for me. If you are ready to drop all the fad diets and change your life continue reading on.
Step2.
I am going to talk about exercise and food. I will start off with the most important aspect; food. Eating certain foods will help speed up metabolism. The ultimate way to lose weight is to increase your metabolism. So let's talk about how food can do that. Eating 5-6 meals throughout the day instead of 2 or 3 will help speed up metabolism and lead to a healthier style of living. A fast metabolism will cause you to burn more calories than normal while just sitting around watching TV. You don't have to eat less overall, just space every meal out a little bit more. Eat a small meal every 3 hours. Each meal should contain protein from chicken, turkey, lean hamburger, any kind of fish, nuts, and/or fat free milk.
Step3.
Certain foods will speed up metabolism. Eating 1 ounce of almonds, a tablespoon of peanut butter, a tablespoon of extra virgin olive oil, 1 cup of spinach, and drinking green tea every single day will speed up your metabolism so much that it will be hard to keep weight on. Adding these foods to your everyday diet is the most important thing you can do.
Step4.
Here is a sample of my daily food intake:8:00 a.m. One cup of high fiber cereal (Kashi-Go Lean). One cup of fat free milk. 2 egg whites.11:00 a.m. Lean Hamburger on a whole wheat bun with tomato and onions. Glass of water and spinach salad with tablespoon of extra virgin olive oil.2:00 p.m. 1 ounce almonds, 1 banana, green tea.5:00 p.m. 4 ounces of either chicken, fish, or turkey. Steamed broccoli. Baked potato. Either 8 ounces of milk or orange juice.8:oo p.m. Tablespoon of peanut butter. Whole wheat bagel with fat free cream cheese and either 12 ounces of water or glass of wine.Sticking to this meal plan has caused me to drop body fat like crazy and have a ton of energy. Portions for women may be smaller.
Step5.
Exercise: 3 days a week.Interval training is the best way to speed up your metabolism. Interval training is basically warming up with a light job for 5 minutes then medium pace jog for 2 minutes, sprint for 1 minute, medium pace for 2 minutes, sprint for 1 minute, medium pace of 2 minutes, sprint for 1 minute, and then 4-5 minute slow pace cool down. This process only takes 19-20 minutes and is way more effective than running at the same pace for an hour!A study showed that flat out running 3 times a week for 30 minutes straight with no changes in speed caused no weight loss in the study's participants.Optional: Weight lifting; 2 times a week.For those who really want to be ripped and not just skinny, you can weight lift twice a week. Bench pressing, dumbell curls, push-ups, sit-ups, and pull-ups are my highly recommended exercises. Natural exercises against your own body weight are the best ways to get super toned up.
Step6.
The combination of eating healthy and interval training is the best way to get stronger and lose body fat while retaining all of the muscle you have.Just eating like I described earlier is enough to make you lose weight. To really speed up the process incorporate 20 minutes of exercise into your routine only 3 days a week.
Step7.
I have tried a ton of different diets and this way of eating and exercising has proven first hand to be the most effective and lasting way to lose weight and keep it off.
Improve gas mileage
Drive Sensibly
Aggressive driving (speeding, rapid acceleration and braking) wastes gas. It can lower your gas mileage by 33 percent at highway speeds and by 5 percent around town. Sensible driving is also safer for you and others, so you may save more than gas money.
Fuel Economy Benefit
5-33%
Equivalent Gasoline Savings
$0.15-$0.96/gallon
[edit] Observe the Speed Limit
While each vehicle reaches its optimal fuel economy at a different speed (or range of speeds), gas mileage usually decreases rapidly at speeds above 60 mph.
As a rule of thumb, you can assume that each 5 mph you drive over 60 mph is like paying an additional $0.20 per gallon for gas.
Observing the speed limit is also safer.
Fuel Economy Benefit
7-23%
Equivalent Gasoline Savings
$0.20-$0.67/gallon
[edit] Remove Excess Weight
Avoid keeping unnecessary items in your vehicle, especially heavy ones. An extra 100 pounds in your vehicle could reduce your MPG by up to 2%. The reduction is based on the percentage of extra weight relative to the vehicle's weight and affects smaller vehicles more than larger ones.
Fuel Economy Benefit
1-2%/100 lbs
Equivalent Gasoline Savings
$0.03-$0.06/gallon
[edit] Avoid Excessive Idling
Idling gets 0 miles per gallon. Cars with larger engines typically waste more gas at idle than do cars with smaller engines.
[edit] Use Cruise Control
Using cruise control on the highway helps you maintain a constant speed and, in most cases, will save gas.
[edit] Use Overdrive Gears
When you use overdrive gearing, your car's engine speed goes down. This saves gas and reduces engine wear.
Note: Cost savings are based on an assumed fuel price of $2.91/gallon. Keep Your Engine Properly Tuned
Fixing a car that is noticeably out of tune or has failed an emissions test can improve its gas mileage by an average of 4 percent, though results vary based on the kind of repair and how well it is done.
Fixing a serious maintenance problem, such as a faulty oxygen sensor, can improve your mileage by as much as 40 percent.
Fuel Economy Benefit
4%
Equivalent Gasoline Savings
$0.12/gallon
[edit] Check & Replace Air Filters Regularly
Replacing a clogged air filter can improve your car's gas mileage by as much as 10 percent. Your car's air filter keeps impurities from damaging the inside of your engine. Not only will replacing a dirty air filter save gas, it will protect your engine.
Fuel Economy Benefit
up to 10%
Equivalent Gasoline Savings
up to $0.29/gallon
[edit] Keep Tires Properly Inflated
You can improve your gas mileage by around 3.3 percent by keeping your tires inflated to the proper pressure. Under-inflated tires can lower gas mileage by 0.4 percent for every 1 psi drop in pressure of all four tires. Properly inflated tires are safer and last longer.
Fuel Economy Benefit
up to 3%
Equivalent Gasoline Savings
up to $0.09/gallon
[edit] Use the Recommended Grade of Motor Oil
You can improve your gas mileage by 1-2 percent by using the manufacturer's recommended grade of motor oil. For example, using 10W-30 motor oil in an engine designed to use 5W-30 can lower your gas mileage by 1-2 percent. Using 5W-30 in an engine designed for 5W-20 can lower your gas mileage by 1-1.5 percent. Also, look for motor oil that says "Energy Conserving" on the API performance symbol to be sure it contains friction-reducing additives.
Fuel Economy Benefit
1-2%
Equivalent Gasoline Savings:
$0.03-$0.06/gallon
[edit] Planning and Combining Trips
Combining errands into one trip saves you time and money. Several short trips taken from a cold start can use twice as much fuel as a longer multipurpose trip covering the same distance when the engine is warm. Trip planning ensures that traveling is done when the engine is warmed-up and efficient.
With a little planning, you can avoid retracing your route and reduce the distance you travel as well. You'll not only save fuel, but also reduce wear and tear on your car.
[edit] Commuting
If you can stagger your work hours to avoid peak rush hours, you'll spend less time sitting in traffic and consume less fuel.
If you own more than one vehicle, drive the one that gets the best gas mileage whenever possible.
Consider telecommuting (working from home) if your employer permits it.
If possible, take advantage of carpools and ride-share programs. You can cut your weekly fuel costs in half and save wear on your car if you take turns driving with other commuters. Many urban areas allow vehicles with multiple passengers to use special High Occupancy Vehicle (HOV) lanes.
Consider using public transit if it is available and convenient for you. The American Public Transit Transportation Association has links to information about public transportation in your state.
[edit] Traveling
A roof rack or carrier provides additional cargo space and may allow you to meet your needs with a smaller car. However, a loaded roof rack can decrease your fuel economy by 5 percent. Reduce aerodynamic drag and improve your fuel economy by placing items inside the trunk whenever possible.
Avoid carrying unneeded items, especially heavy ones. An extra 100 lbs in the trunk reduces a typical car's fuel economy by 1-2 percent.
[
Aggressive driving (speeding, rapid acceleration and braking) wastes gas. It can lower your gas mileage by 33 percent at highway speeds and by 5 percent around town. Sensible driving is also safer for you and others, so you may save more than gas money.
Fuel Economy Benefit
5-33%
Equivalent Gasoline Savings
$0.15-$0.96/gallon
[edit] Observe the Speed Limit
While each vehicle reaches its optimal fuel economy at a different speed (or range of speeds), gas mileage usually decreases rapidly at speeds above 60 mph.
As a rule of thumb, you can assume that each 5 mph you drive over 60 mph is like paying an additional $0.20 per gallon for gas.
Observing the speed limit is also safer.
Fuel Economy Benefit
7-23%
Equivalent Gasoline Savings
$0.20-$0.67/gallon
[edit] Remove Excess Weight
Avoid keeping unnecessary items in your vehicle, especially heavy ones. An extra 100 pounds in your vehicle could reduce your MPG by up to 2%. The reduction is based on the percentage of extra weight relative to the vehicle's weight and affects smaller vehicles more than larger ones.
Fuel Economy Benefit
1-2%/100 lbs
Equivalent Gasoline Savings
$0.03-$0.06/gallon
[edit] Avoid Excessive Idling
Idling gets 0 miles per gallon. Cars with larger engines typically waste more gas at idle than do cars with smaller engines.
[edit] Use Cruise Control
Using cruise control on the highway helps you maintain a constant speed and, in most cases, will save gas.
[edit] Use Overdrive Gears
When you use overdrive gearing, your car's engine speed goes down. This saves gas and reduces engine wear.
Note: Cost savings are based on an assumed fuel price of $2.91/gallon. Keep Your Engine Properly Tuned
Fixing a car that is noticeably out of tune or has failed an emissions test can improve its gas mileage by an average of 4 percent, though results vary based on the kind of repair and how well it is done.
Fixing a serious maintenance problem, such as a faulty oxygen sensor, can improve your mileage by as much as 40 percent.
Fuel Economy Benefit
4%
Equivalent Gasoline Savings
$0.12/gallon
[edit] Check & Replace Air Filters Regularly
Replacing a clogged air filter can improve your car's gas mileage by as much as 10 percent. Your car's air filter keeps impurities from damaging the inside of your engine. Not only will replacing a dirty air filter save gas, it will protect your engine.
Fuel Economy Benefit
up to 10%
Equivalent Gasoline Savings
up to $0.29/gallon
[edit] Keep Tires Properly Inflated
You can improve your gas mileage by around 3.3 percent by keeping your tires inflated to the proper pressure. Under-inflated tires can lower gas mileage by 0.4 percent for every 1 psi drop in pressure of all four tires. Properly inflated tires are safer and last longer.
Fuel Economy Benefit
up to 3%
Equivalent Gasoline Savings
up to $0.09/gallon
[edit] Use the Recommended Grade of Motor Oil
You can improve your gas mileage by 1-2 percent by using the manufacturer's recommended grade of motor oil. For example, using 10W-30 motor oil in an engine designed to use 5W-30 can lower your gas mileage by 1-2 percent. Using 5W-30 in an engine designed for 5W-20 can lower your gas mileage by 1-1.5 percent. Also, look for motor oil that says "Energy Conserving" on the API performance symbol to be sure it contains friction-reducing additives.
Fuel Economy Benefit
1-2%
Equivalent Gasoline Savings:
$0.03-$0.06/gallon
[edit] Planning and Combining Trips
Combining errands into one trip saves you time and money. Several short trips taken from a cold start can use twice as much fuel as a longer multipurpose trip covering the same distance when the engine is warm. Trip planning ensures that traveling is done when the engine is warmed-up and efficient.
With a little planning, you can avoid retracing your route and reduce the distance you travel as well. You'll not only save fuel, but also reduce wear and tear on your car.
[edit] Commuting
If you can stagger your work hours to avoid peak rush hours, you'll spend less time sitting in traffic and consume less fuel.
If you own more than one vehicle, drive the one that gets the best gas mileage whenever possible.
Consider telecommuting (working from home) if your employer permits it.
If possible, take advantage of carpools and ride-share programs. You can cut your weekly fuel costs in half and save wear on your car if you take turns driving with other commuters. Many urban areas allow vehicles with multiple passengers to use special High Occupancy Vehicle (HOV) lanes.
Consider using public transit if it is available and convenient for you. The American Public Transit Transportation Association has links to information about public transportation in your state.
[edit] Traveling
A roof rack or carrier provides additional cargo space and may allow you to meet your needs with a smaller car. However, a loaded roof rack can decrease your fuel economy by 5 percent. Reduce aerodynamic drag and improve your fuel economy by placing items inside the trunk whenever possible.
Avoid carrying unneeded items, especially heavy ones. An extra 100 lbs in the trunk reduces a typical car's fuel economy by 1-2 percent.
[
How to save money
Saving Money
Information on how to save money and making the most of it. Learn how to save money even when it seems like there isn't any money left to spare.
An Introduction to Saving MoneyThe ability to save money is the cornerstone of building wealth. In order to save money, you need to spend less than you earn. This is often easier said than done, but there are plenty of ways to help you begin saving money on even the tightest budget.
Examine the Roots of OverspendingTo fight your tendency to spend more money than you should, you need to understand the root causes of overspending.
U.S. Savings Bonds – The Safe Place to Save MoneyIf you're unhappy with your low interest rate on your savings at the bank, you may want to consider U.S. Savings Bonds.
Save Money on Groceries - Grocery Shopping TipsHave you been shocked by your grocery shopping bills recently? You're not alone. Here are some tips that can help you keep your grocery budget under control.
How to Prepare for Falling Interest RatesInterest rates play an important role in not only the economy, but your personal finances as well. As rates begin to fall, what does this mean for you, and how can you plan for lower rates?
The Difference Between APR and APYBoth APR (annual percentage rate) and APY (annual percentage yield) are commonly used to reflect the interest rate paid on something, but what is the difference between the two?
5 Money Saving Tips for SummerYou can save money throughout the year, but the warm temperatures of summer provide a few additional tips that can help you save even more money.
Top 5 Biggest Mistakes When Buying a CarWe often depend on our vehicles to get us to and from work every day, transport children to events, and even for pleasure. When you're looking to buy your next vehicle, make sure to avoid these common mistakes that could cost you thousands of dollars.
Why You Need an Emergency FundIn life you should expect the unexpected. The best you can do is to prepare for emergencies that require access to additional money and having an emergency fund is the ideal solution.
Where to Keep Your SavingsIs your money working for you, or is it sitting idle earning very little interest? Find out where to keep your savings so that it is working as hard as it can.
5 Ways to Save on GasMake no bones about it, gasoline is expensive and it isn’t getting any cheaper,so here are a few basic things you can do that could considerably save money on gas.
Make Saving AutomaticDo you have a savings account yet find it difficult to find money to deposit into it? Find out how to make saving money effortless.
5 Tips to Cut Spending LeaksSometimes it is the little things that add up. Stopping the little spending leaks in your life may amount to significant savings over time.
zSB(2,5);
Information on how to save money and making the most of it. Learn how to save money even when it seems like there isn't any money left to spare.
An Introduction to Saving MoneyThe ability to save money is the cornerstone of building wealth. In order to save money, you need to spend less than you earn. This is often easier said than done, but there are plenty of ways to help you begin saving money on even the tightest budget.
Examine the Roots of OverspendingTo fight your tendency to spend more money than you should, you need to understand the root causes of overspending.
U.S. Savings Bonds – The Safe Place to Save MoneyIf you're unhappy with your low interest rate on your savings at the bank, you may want to consider U.S. Savings Bonds.
Save Money on Groceries - Grocery Shopping TipsHave you been shocked by your grocery shopping bills recently? You're not alone. Here are some tips that can help you keep your grocery budget under control.
How to Prepare for Falling Interest RatesInterest rates play an important role in not only the economy, but your personal finances as well. As rates begin to fall, what does this mean for you, and how can you plan for lower rates?
The Difference Between APR and APYBoth APR (annual percentage rate) and APY (annual percentage yield) are commonly used to reflect the interest rate paid on something, but what is the difference between the two?
5 Money Saving Tips for SummerYou can save money throughout the year, but the warm temperatures of summer provide a few additional tips that can help you save even more money.
Top 5 Biggest Mistakes When Buying a CarWe often depend on our vehicles to get us to and from work every day, transport children to events, and even for pleasure. When you're looking to buy your next vehicle, make sure to avoid these common mistakes that could cost you thousands of dollars.
Why You Need an Emergency FundIn life you should expect the unexpected. The best you can do is to prepare for emergencies that require access to additional money and having an emergency fund is the ideal solution.
Where to Keep Your SavingsIs your money working for you, or is it sitting idle earning very little interest? Find out where to keep your savings so that it is working as hard as it can.
5 Ways to Save on GasMake no bones about it, gasoline is expensive and it isn’t getting any cheaper,so here are a few basic things you can do that could considerably save money on gas.
Make Saving AutomaticDo you have a savings account yet find it difficult to find money to deposit into it? Find out how to make saving money effortless.
5 Tips to Cut Spending LeaksSometimes it is the little things that add up. Stopping the little spending leaks in your life may amount to significant savings over time.
zSB(2,5);
How to have a better relationship
Expressing gratitude and saying thank you is something that many of us were taught to do from a very early age. Coaxing a toddler, then teenager to say “thank you” is a regularly occurring occasion for most parents. It's the polite thing to do, after all, and shows good manners. Once we're adults, saying “thanks” is often not given much thought if we remember to say it at all. In the day to day of your love relationship, gratitude tends to be completely forgotten except for those special favors we ask of each other. Making a habit of offering heartfelt thanks to the one you love can not only make your partner feel appreciated, it can enhance intimacy and bring your closer together.
As unsexy as “thank you” seems, gratitude can put you and your mate on the path to a more passionate relationship. After all, how many times have you and your partner become so busy with your jobs, the kids, the pets, the house and everything else in life that you pretty much only connect when making love? And that might even be fit in rather hurriedly. How much deeper would your intimate connecting be when it's built on a foundation of regularly expressed gratitude that comes with a sense of presence and from the heart?
As unsexy as “thank you” seems, gratitude can put you and your mate on the path to a more passionate relationship. After all, how many times have you and your partner become so busy with your jobs, the kids, the pets, the house and everything else in life that you pretty much only connect when making love? And that might even be fit in rather hurriedly. How much deeper would your intimate connecting be when it's built on a foundation of regularly expressed gratitude that comes with a sense of presence and from the heart?
Need Money
At some point in our lives, we all reach the point where we say “I need money”. If you’re at that point, here are some ideas on getting the money you need.
Because the web is full of scams and time-wasters, I’ve compiled some of the most common solutions to the timeless “I need money” problem. These should get you pointed in the right direction.
This is a little ditty we call the “I Need Money Blues”.
Verse 1: I Need Money to Avoid ForeclosureBefore you borrow more, know the alternatives. You may be able to participate in a debt workout program with your lender. They prefer to work with you and avoid the foreclosure process as well. See how debt workout programs work.
Verse 2: I Need Money to Buy a CarIf it’s a new set of wheels you’re looking for, you’ll need an auto loan. Be sure to manage your budget here because people tend to get themselves ‘upside-down’ quite easily using auto loans. This means that you owe more than your auto is worth, and it’s hard to get out of this mess.
Verse 3: I Need Money to go to SchoolThis is an easy one. The US government is eager to help you further your education. If they can’t help, banks usually consider education loans to be a pretty good risk. First, try the Free Application for Federal Student Aid and check with your school’s Financial Aid department for additional resources.
Verse 4: I Need Money to Buy a HomeThe place to start is the Mortgages 101 page at About Banking. You’ll find out how to get the best mortgage for that home of your dreams.
Verse 5: I Need Money to Fund my BusinessEntrepreneurs can accomplish anything with the right funding. Start your search for seed money at the small business loan section.
Verse 6: I Need Money for Home ImprovementA lot of homeowners use home equity loans to fund home improvement projects. It’s a good way to get a lot of money at a decent rate.
Verse 7: I Need Money to Pay Other DebtsSome borrowers benefit from a debt consolidation program. Of course, these only shift your debt – they don’t eliminate it. Nevertheless these programs can help.
Verse 8: None of the Above, I Still Need Money!Whatever it is you want to buy, there’s a good chance you can borrow for it somehow. Person to person lending, also known as P2P or peer to peer lending, may be a solution for you.
Because the web is full of scams and time-wasters, I’ve compiled some of the most common solutions to the timeless “I need money” problem. These should get you pointed in the right direction.
This is a little ditty we call the “I Need Money Blues”.
Verse 1: I Need Money to Avoid ForeclosureBefore you borrow more, know the alternatives. You may be able to participate in a debt workout program with your lender. They prefer to work with you and avoid the foreclosure process as well. See how debt workout programs work.
Verse 2: I Need Money to Buy a CarIf it’s a new set of wheels you’re looking for, you’ll need an auto loan. Be sure to manage your budget here because people tend to get themselves ‘upside-down’ quite easily using auto loans. This means that you owe more than your auto is worth, and it’s hard to get out of this mess.
Verse 3: I Need Money to go to SchoolThis is an easy one. The US government is eager to help you further your education. If they can’t help, banks usually consider education loans to be a pretty good risk. First, try the Free Application for Federal Student Aid and check with your school’s Financial Aid department for additional resources.
Verse 4: I Need Money to Buy a HomeThe place to start is the Mortgages 101 page at About Banking. You’ll find out how to get the best mortgage for that home of your dreams.
Verse 5: I Need Money to Fund my BusinessEntrepreneurs can accomplish anything with the right funding. Start your search for seed money at the small business loan section.
Verse 6: I Need Money for Home ImprovementA lot of homeowners use home equity loans to fund home improvement projects. It’s a good way to get a lot of money at a decent rate.
Verse 7: I Need Money to Pay Other DebtsSome borrowers benefit from a debt consolidation program. Of course, these only shift your debt – they don’t eliminate it. Nevertheless these programs can help.
Verse 8: None of the Above, I Still Need Money!Whatever it is you want to buy, there’s a good chance you can borrow for it somehow. Person to person lending, also known as P2P or peer to peer lending, may be a solution for you.
Kid's guide to divorce
Do you know someone whose parents are divorced? Are your parents divorced? Chances are that you can answer yes to one - or maybe both - of those questions. And you are not alone!
Read on to find out what divorce is and what you can do to help your family, your friends, or yourself when people get divorced.
What Is Divorce?
A divorce happens after a husband and wife decide they can't live together anymore and no longer want to be married. They agree to sign legal papers that make them each single again and allow them to marry other people if they want to.
Although that may sound simple, it's not easy for a husband and wife to decide to end a marriage. Often they spend a long time trying to solve problems before deciding to divorce. But sometimes they just can't fix the problems and decide that a divorce is the best solution.
Sometimes both parents want to divorce, and sometimes one wants to and the other one doesn't. Usually, both parents are disappointed that their marriage can't last, even if one wants a divorce more than the other.
Many kids don't want their parents to divorce. Some kids have mixed feelings about it, especially if they know their parents weren't happy together. Some kids may even feel relieved when parents divorce, especially if there's been a lot of fighting between parents during the marriage.
It's really important for kids to know that just because parents divorce each other, they're not divorcing their kids. Some kids think that if their parents are divorcing, it means their moms and dads will want to leave them, too.
Although it's true that the kid of a divorced couple usually lives with only one parent most of the time, the parent who lives somewhere else is still that kid's mom or dad - forever. That will never change.
Kids Can't Cause Divorce!
There are many reasons why people divorce. Maybe they've grown apart. Maybe the love they once had for each other has changed. Maybe they fight and just can't agree about things. Every couple has their own reasons for divorce. Whatever the reasons are, one thing is for sure: Kids don't cause divorce.
Still, many children of divorced parents believe they are the reason their mom and dad got divorced. They think that if only they had behaved better, gotten better grades, or helped more around the house, the divorce wouldn't have happened. But this isn't true. Divorce is between moms and dads only!
Even if you once heard your parents argue about you, or your friend next door thinks his parents broke up because he got in trouble at school, these things don't cause a husband and wife to end their marriage. You may feel you're to blame for your parents' divorce, but you are not the cause. And the fact that your parents decide not to stay married is not your fault.
Kids Can't Fix Divorce!
Just like the divorce is not the kid's fault, getting parents back together is not up to the kid, either. And most likely, this doesn't happen, although plenty of kids wish for it and even try things they think might work. Acting like an angel at home all the time (who can do that?) and getting straight As at school (another hard thing to do) may make your mom and dad happy with you, but it doesn't mean they'll get back together.
The opposite is also true. Getting in trouble so your mom and dad will have to get together to talk about these problems is not going to make the divorce go away, either. So, just be yourself and try to talk to your parents about any feelings you have.
But I Feel Like My Whole World Just Fell Apart!
If your family is going through a divorce or you're helping a friend through it, there are a few important things about feelings you need to remember. First of all, it's normal to feel lots of different things, including anger, fear, and sadness.
Second, even though it may seem like your whole world just fell apart, with time, things will be better again. Your life might be a bit different, but the pieces will come back together again - maybe even sooner than you think.
Meanwhile, there are ways you can deal with the feelings you have. If you are really mad, you can punch your pillow, kick some empty boxes, go hit a baseball, or run for as long and as fast as you can. But never take your feelings out on another person.
Telling someone how you feel can also help. If you feel really angry, say so. Talking is much better than keeping your feelings to yourself or acting all grouchy and irritable.
Sometimes just talking to someone else is a big relief. Try simply saying, "I'm so angry (or sad or worried) about my parents getting divorced! It really upsets me!" When the person who's listening can say something back to you like, "No wonder you feel that way, I totally understand why you do," it can help you feel even better. Sometimes that's all the talking someone needs to do.
Sometimes it's just the beginning of many more conversations you'll have. Talk to a parent. Or, if that doesn't feel right, find someone else you really like to talk to, maybe your brother or sister, a teacher, school counselor, neighbor, or grandparent. It's tough to let it out, but it can really help.
If you have a friend whose parents are divorcing, try to be a good listener when your friend wants to talk. Divorce is never easy.
Sometimes the feelings kids have about their parents' divorce are so strong that kids have a hard time concentrating on anything else. When kids are very sad, mad, or worried, they may have trouble paying attention in class, focusing on homework, or even remembering what they've just read. If this happens, it's especially important to get some help.
Kids may feel much better after talking to a therapist, counselor, or social worker. These adults are trained to talk with people about their problems and help with feelings that are too intense. There are also support groups in schools and other places in the community where kids can get to know other kids whose parents have divorced or are divorcing and talk about how it affects them. There are also lots of books about divorce written just for kids.
Life After Divorce
When parents divorce, usually one parent moves out of the house and lives somewhere else. Some kids spend part of the time living with one parent and part of the time living with the other. Other kids live mostly with one parent and visit the other. If this is the case for you, it may seem strange at first to be visiting your own parent, but you may even start to enjoy a little time away from your everyday house. And it can feel good knowing you have two homes where someone loves you.
If you live mostly with one parent, the other parent might live close to you or far away. How often you can visit might depend partly on where everyone lives. Some kids whose parents get divorced have to move to a new home or a new neighborhood, and that can be tough, too. Often (besides the divorce that is the major change) most other things - like your school, friends, and neighborhood - will be the same.
When To Speak Up
Sometimes problems come up when kids visit one parent and then go home to the other. For example, one parent might ask a lot of questions about stuff the other parent is doing. Sometimes a parent wants the kid to be a messenger between homes. Kids usually feel uncomfortable when this sort of thing happens. They wish that parents would just ask each other what they want to know.
Kids don't want to feel like they are in the middle. If something like this happens to you, talk to your parents and tell them how it makes you feel.
The Future
Wouldn't you like to know what will happen in the future? For a kid of a divorced family, it may mean stepfamilies someday. Don't expect everything to go smoothly all the time.
It can be really hard dealing with divorce, but try to remember that lots of kids go through what you're going through, and usually everything and everyone turns out fine. In fact - as bad as things might seem right now - you just might be surprised at how good the future turns out to be!
Read on to find out what divorce is and what you can do to help your family, your friends, or yourself when people get divorced.
What Is Divorce?
A divorce happens after a husband and wife decide they can't live together anymore and no longer want to be married. They agree to sign legal papers that make them each single again and allow them to marry other people if they want to.
Although that may sound simple, it's not easy for a husband and wife to decide to end a marriage. Often they spend a long time trying to solve problems before deciding to divorce. But sometimes they just can't fix the problems and decide that a divorce is the best solution.
Sometimes both parents want to divorce, and sometimes one wants to and the other one doesn't. Usually, both parents are disappointed that their marriage can't last, even if one wants a divorce more than the other.
Many kids don't want their parents to divorce. Some kids have mixed feelings about it, especially if they know their parents weren't happy together. Some kids may even feel relieved when parents divorce, especially if there's been a lot of fighting between parents during the marriage.
It's really important for kids to know that just because parents divorce each other, they're not divorcing their kids. Some kids think that if their parents are divorcing, it means their moms and dads will want to leave them, too.
Although it's true that the kid of a divorced couple usually lives with only one parent most of the time, the parent who lives somewhere else is still that kid's mom or dad - forever. That will never change.
Kids Can't Cause Divorce!
There are many reasons why people divorce. Maybe they've grown apart. Maybe the love they once had for each other has changed. Maybe they fight and just can't agree about things. Every couple has their own reasons for divorce. Whatever the reasons are, one thing is for sure: Kids don't cause divorce.
Still, many children of divorced parents believe they are the reason their mom and dad got divorced. They think that if only they had behaved better, gotten better grades, or helped more around the house, the divorce wouldn't have happened. But this isn't true. Divorce is between moms and dads only!
Even if you once heard your parents argue about you, or your friend next door thinks his parents broke up because he got in trouble at school, these things don't cause a husband and wife to end their marriage. You may feel you're to blame for your parents' divorce, but you are not the cause. And the fact that your parents decide not to stay married is not your fault.
Kids Can't Fix Divorce!
Just like the divorce is not the kid's fault, getting parents back together is not up to the kid, either. And most likely, this doesn't happen, although plenty of kids wish for it and even try things they think might work. Acting like an angel at home all the time (who can do that?) and getting straight As at school (another hard thing to do) may make your mom and dad happy with you, but it doesn't mean they'll get back together.
The opposite is also true. Getting in trouble so your mom and dad will have to get together to talk about these problems is not going to make the divorce go away, either. So, just be yourself and try to talk to your parents about any feelings you have.
But I Feel Like My Whole World Just Fell Apart!
If your family is going through a divorce or you're helping a friend through it, there are a few important things about feelings you need to remember. First of all, it's normal to feel lots of different things, including anger, fear, and sadness.
Second, even though it may seem like your whole world just fell apart, with time, things will be better again. Your life might be a bit different, but the pieces will come back together again - maybe even sooner than you think.
Meanwhile, there are ways you can deal with the feelings you have. If you are really mad, you can punch your pillow, kick some empty boxes, go hit a baseball, or run for as long and as fast as you can. But never take your feelings out on another person.
Telling someone how you feel can also help. If you feel really angry, say so. Talking is much better than keeping your feelings to yourself or acting all grouchy and irritable.
Sometimes just talking to someone else is a big relief. Try simply saying, "I'm so angry (or sad or worried) about my parents getting divorced! It really upsets me!" When the person who's listening can say something back to you like, "No wonder you feel that way, I totally understand why you do," it can help you feel even better. Sometimes that's all the talking someone needs to do.
Sometimes it's just the beginning of many more conversations you'll have. Talk to a parent. Or, if that doesn't feel right, find someone else you really like to talk to, maybe your brother or sister, a teacher, school counselor, neighbor, or grandparent. It's tough to let it out, but it can really help.
If you have a friend whose parents are divorcing, try to be a good listener when your friend wants to talk. Divorce is never easy.
Sometimes the feelings kids have about their parents' divorce are so strong that kids have a hard time concentrating on anything else. When kids are very sad, mad, or worried, they may have trouble paying attention in class, focusing on homework, or even remembering what they've just read. If this happens, it's especially important to get some help.
Kids may feel much better after talking to a therapist, counselor, or social worker. These adults are trained to talk with people about their problems and help with feelings that are too intense. There are also support groups in schools and other places in the community where kids can get to know other kids whose parents have divorced or are divorcing and talk about how it affects them. There are also lots of books about divorce written just for kids.
Life After Divorce
When parents divorce, usually one parent moves out of the house and lives somewhere else. Some kids spend part of the time living with one parent and part of the time living with the other. Other kids live mostly with one parent and visit the other. If this is the case for you, it may seem strange at first to be visiting your own parent, but you may even start to enjoy a little time away from your everyday house. And it can feel good knowing you have two homes where someone loves you.
If you live mostly with one parent, the other parent might live close to you or far away. How often you can visit might depend partly on where everyone lives. Some kids whose parents get divorced have to move to a new home or a new neighborhood, and that can be tough, too. Often (besides the divorce that is the major change) most other things - like your school, friends, and neighborhood - will be the same.
When To Speak Up
Sometimes problems come up when kids visit one parent and then go home to the other. For example, one parent might ask a lot of questions about stuff the other parent is doing. Sometimes a parent wants the kid to be a messenger between homes. Kids usually feel uncomfortable when this sort of thing happens. They wish that parents would just ask each other what they want to know.
Kids don't want to feel like they are in the middle. If something like this happens to you, talk to your parents and tell them how it makes you feel.
The Future
Wouldn't you like to know what will happen in the future? For a kid of a divorced family, it may mean stepfamilies someday. Don't expect everything to go smoothly all the time.
It can be really hard dealing with divorce, but try to remember that lots of kids go through what you're going through, and usually everything and everyone turns out fine. In fact - as bad as things might seem right now - you just might be surprised at how good the future turns out to be!
Subscribe to:
Posts (Atom)
