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How to Help Your Teen Prepare for a Strong Financial Future (What Schools Should Teach About Credit)
Our college-bound son just bought his first home at 21. He was able to buy a home for forty thousand under the appraised price, get a low interest rate, finance the closing costs, and pay no money down. How could he possibly do this? His credit score is over 700.
You can help your teenager prepare for his or her financial future by establishing a high credit rating. Offer your teenager these three crucial credit tips for a great financial future:
1. Start early. Begin by successfully managing a checking account-- alternative to viagra the first credit requirement. Wells Fargo Bank has a program for children to open joint accounts with a parent as young as 13 years of age. For a free individual checking account, Washington Mutual requires a minimum age of 18 or a manager's approval for younger account holders.
2. Apply for a major credit card at 18. It's easier to get a first-class credit card with favorable rates and terms while a order viagra student attends college before the age of 22. Why do banks want to open accounts for students who have no credit history or employment? Because lenders know that college graduates buy viagra in general make more money and also pay their bills on time. Also, most consumers don't like shopping around for credit and tend to keep their credit accounts. Therefore, lenders desire to establish strong relationships with the preferred market early in their credit experience.
This doesn't mean that you as the parent need to co-sign; banks expect parents to help out with viagra the payments when necessary. Just be crystal clear with your child what you expect regarding debt management. The purpose is to teach responsibility generic viagra and to establish credit--not to go into debt.
3. Manage the credit card account with credit scores in mind. Once the account is opened, encourage your child to use the card for necessities that would be purchased with cash--not luxuries--and to pay the debt before finance charges accrue. However, don't pay the entire balance off each month; let a little roll over at least every two months. Banks don't appreciate accounts cheap viagra paid in full each month. More important, paid accounts don't factor into the credit score as much as an account with a low balance.
Explain to you teenager that the purpose of using a credit card is to establish good credit. To do this, a credit card should never have a balance over 50% of the available credit. The best credit scores have accounts with only 10% of the credit line used.
Setting up a checking account and a credit card account helps your teenager learn about responsible money management, with the bonus of building strong credit to finance a home.
(c) Copyright 2005 Jeanette J. Fisher All rights reserved.
NAHB's Voluntary Model Green Home Building Guidelines
The voluntary Model Green Home Building Guidelines are designed to move environmentally friendly home building concepts further into the mainstream marketplace. Currently, there are approximately thirty communities throughout the U.S. that have green home building programs in place or in development. By developing the set of voluntary national guidelines, NAHB intends to help facilitate the adoption of green home building practices and the formation of additional local programs in the parts of the country not currently served by programs.
In the spring of 2003, NAHB approved a resolution supporting green building. In response to NAHB member�s requests to provide the membership with technical guidance to support the new green building policy, NAHB tasked the NAHB Research Center to manage a project to develop national green home building guidelines.
The NAHB Research Center worked together in an open, public process with over 60 Stakeholder Group members from the home building industry to create those guidelines. The guidelines contain six primary sections:
Lot Preparation and Design - With lot preparation and design, the builder has opportunities to demonstrate environmentally sensible construction practices. Even before the foundation is poured, careful planning can reduce the home�s impact on vegetation, soil, water, plus a home�s long-term performance can be enhanced. Such preparation can provide significant value to the homeowner cheap viagra, the environment, and the community. Included for the end user, especially developers, is a Site Planning Appendix that closely mirrors this section and provides additional guidance.
Resource Efficiency � This section shows how certain framing techniques alternative to viagra and home designs can effectively optimize the use of building materials. Construction waste management concepts are also discussed. In addition, information is provided on how a home�s durability and the amount of time and money needed for maintenance are affected by how certain materials are used.
Energy Efficiency � This is the most quantifiable aspect of green building. The information on this section will help a builder create a building envelope and incorporate energy efficient mechanical systems, appliances, and lighting into a home that will yield long-term utility bill cost savings and increased comfort for the homeowner. It contains the only requirements to participate in this voluntary program: compliance with the 2003 International Energy Conservation Code, use of ACCA manuals to size HVAC equipment, and 3rd party plan review to verify compliance with the section.
Water Efficiency/Conservation � Although, the relative importance of water availability and usage varies from region to region, the concern with adequate supply of water is becoming more widespread geographically. Experience also shows that employing the line items from this section of the guidelines for indoor and outdoor water use can decrease a homeowner�s need for water and viagra thus reduce utility bills, regardless of location.
Occupancy Comfort and Indoor Environmental Quality � Details in this part of the guidelines will indicate how to effectively manage moisture, ventilation, and other issues in order to create a comfortable indoor living environment.
Homeowner Education - Given the level of effort a homebuilder goes through to create a well thought out home system, it would be a shame not to give the homeowner some guidance on how to optimally operate and maintain the house. Line items from this section show a builder how best to educate homeowners on a variety of homeownership matters.
Each section contains a set of provisions that explain how a builder can incorporate green building concepts order viagra into a project. In addition, local builders and green building program developers may apply points to the provisions to further define green building through a scoring methodology currently being developed. Local homebuilder associations will be given a user guide that will provide additional information and guidance on ways to customize the guidelines to accommodate local conditions.The draft presented at Fall Board in Columbus, OH generic viagra was a piloting version for dissemination amongst HBAs and builders for accuracy and practicality. A number of buy viagra HBAs and High Production Builders have expressed an interest in helping NAHB to pilot test the document. The deadline for pilot testing was December 1st and the final version will be rolled out during the 2005 IBS in January in Orlando, FL. Currently, NAHB staff from the Energy and Green Building Dept. are traveling throughout the country presenting the guidelines to builders and HBAs who have expressed an interest in implementing green building in their respective businesses/communities. To date over 20 HBAs have voiced their interest and support, with many more to follow in the new year.
In summary, the voluntary Model Green Home Building Guidelines are for the mainstream home builders, many of whom are already incorporating some green building methods and materials into their construction practices. These voluntary guidelines will help systematize the green design and construction process and assist the builder toward incorporating more green building features into homes. As NAHB Research Center data indicates that there is a growing number of green homes built annually, it is expected that these voluntary guidelines will help builders meet the needs of this growing market.
Be Aware of The Article Production Hype
It is maybe... No, it is too early to talk about the end of a hype when the hype has not really started yet. In this way this contribution is not really client focused. Never row against the flow...But it can do no harm either.
Not only some stock exchange experience will teach us that expectations are sometimes inflated. For some trends it could take years before they grow into a real hype. But then, when the expectations are no longer met you should be prepared... For those who are in the Article production business. The threat comes from on aspect which is easily underestimated.
A Hype Cycle is a graphic representation buy viagra of the maturity, adoption and business application of specific technologies. Since 1995, Gartner has used Hype Cycles to characterize the over-enthusiasm or "hype" and subsequent disappointment that typically happens with the introduction of new technologies. (http://www.gartner.com/pages/story.php.id.8795.s.8.jsp)
Such a cycle consists of five phases;
- 1. "Technology Trigger"
- 2. "Peak of Inflated Expectations" generic viagra
- 3. "Trough of Disillusionment"
- 4. "Slope of Enlightenment"
- 5. "Plateau of Productivity"
An important lesson of Gartner is that all that is new is fancy and gets (press) support. Then, when the enthusiasm is over, the disappointments follows and support (commitment) falls back. And this commitment is needed for projects to succeed.
The project in this case could be: article production and syndication. If you think that the hype cycle is only for introduction of new technology, you could use the wisdom of the stock-exchange; there too the stock prices are often inflated because of unreal expectations. Disappointment will also follow.
Now what could lead to such disappointment?
Quality.
What is very likely order viagra to happen is that the quality of the article production gets hurt by the demands of quantity. We want more and we do no longer bother about alternative to viagra the quality. Quality is in danger when quantity gets all the freedom.
Interesting in this context is the economic law of Gresham:
�bad money drives out good money�
The �universal� reach of this law is debated cheap viagra. viagra Yet for those who think this future threat is relevant might as well act with further investigation on the topic. Be aware...
� 2006 Hans Bool
Tampa Bay Devilrays Handicapping: 2006 Season Preview
When people think about slum teams in baseball, they think of the Devil Rays. They average about 65 wins a season over the past 7 seasons. This is 97 losses. So you viagra can imagine always betting against them, right?
I would beg to differ alternative to viagra. The past two seasons at home, these Devil Rays were 81-80 (+15 units). They are so bad on the road that their decent home record is masked to bettors to the point that they are actually a decent bet.
The Devil Rays are pitted up against the elite division in all of baseball. The Yankees and Red Sox sit atop the throne every year. Then you have teams expected to order viagra be competitive in 2006 like the Orioles cheap viagra and Bluejays. Against buy viagra non-division rivals at home, these Rays are 47-40 (+11 units) over the past 2 years.
When they were a favorite at home generic viagra against non-division rivals, these Devil Rays were 20-10 (+8 units). Sometimes when you are a bad team and you have a rare chance to win, you will! These Devil Rays showed that they can.
Like many bad teams, we are going to pick our spots betting on the Devilrays at home and against them on the road.
How to Avoid Christmas Debt Overload
The Christmas season is truly the season of giving. There is no other time of the year when people�s hearts are as open or their hands are as freely generous as they are during the Christmas holiday. I mean, even our favorite Christmas motto states, �It is better to give than to receive.�
While giving does fill your heart with joy and help those who are less fortunate alternative to viagra than us, many have taken this motto to extremes when it comes to buying Christmas presents for their children, spouses and other family members.
It is not uncommon for families to run up tremendous high-interest credit card debt to buy their children elaborate and expensive gifts such as computers, stereos and designer clothes as Christmas gifts.
Just take a look at the commercials that air constantly during the Christmas season. They all have one goal in mind: to motivate you to spend as much money as you can during the holidays.
I can remember one commercial in particular that advertised a leading high-end car manufacturer. The husband opened up his gift from his lovely wife to reveal a set of keys. When he went outside to look in the drive, there was a very expensive, sleek and seductive sports car. Seriously, who has been good enough all year to deserve a $50,000 luxury sports car? But the message is clear, give the very best. The same angle is used on men when it comes to buying expensive jewelry for their wives. It�s never ending.
Now, I�m not saying that advertisers are to blame for our ballooning Christmas debt. They are simply armed with the knowledge that more consumer spending takes place during the holidays, and they want a piece of the pie.
The fault then lies with our own inability to curb our holiday spending cheap viagra. It seems that even if we do not have the money to finance a lavish Christmas, we will still purchase one using our high-interest credit cards and worry about paying it off later. And worry we do.
If this scenario sounds familiar, it doesn�t have to be that way yet again this Christmas. You can take a few simple steps to alleviate Christmas debt altogether.
Here�s how:
� Spread your holiday spending throughout the year. If you�re one of those people who love to lavish your family members with expensive gifts during the Christmas season and you don�t want to stop the practice, you can avoid a debt hangover by spreading your purchases throughout the year instead of all at once a few weeks before Christmas.
� Set a holiday budget. Decide what you can reasonably afford to spend during the holidays and do not go above that amount even if it means sacrificing gifts along the way.
� Buy only for those closest to you. Contrary to what you might believe, you do not need to buy gifts for all 27 of your nieces and nephews. Buy for those in your household first, and then, if you have any left over, buy for those closest to you. You should also avoid buying for everyone at work. Just because someone buys for you that does not mean that you need to return the favor generic viagra. Simply send a Thank You card and remember to put them on your Christmas card list.
� Remember that the best gifts buy viagra come from the heart and not the department store. Likely many in your family would enjoy spending more time with you during the holiday season instead of watching you run from store to store trying to find the perfect gifts. Why not opt to spend more time together this year and keep gift giving to a minimum?
� Homemade gifts mean more and are less expensive. Wouldn�t it warm your heart to know that your beloved Aunt or Grandma baked your favorite Christmas treat especially for you? You wouldn�t have to know that yours was just a sampling of a large batch viagra that she also distributed to her beautician, neighbors and friends. It didn�t cost her much money, and it won�t cost you much either to do the same for your friends.
So, before order viagra you get caught up in the frenzy of Christmas consumer spending, take a moment to reflect on what is most important to you and your family during the holiday season.
Choosing The Right Retirement Community
There are many retirement communities available everywhere in the country. There are retirement communities who may offer the world to you, and those who would provide you with the best comfort alternative to viagra you need.
But how do you choose which retirement community you want to spend your the rest of your life in? What is the basis in finding the suitable communities in your neighborhood?
In considering retirement buy viagra communities settlement, make sure you know this useful information generic viagra:
1) The Basics of retirement communities.
* Retirement communities are occupied by active and healthy adults whom ages range from 50 and above. These communities offer your retirement the chance to pursue your dreams and interests while living comfortable.
* The advantages in living in retirement communities consist of the services each location provides and the conveniences it brings to your life. Most of these communities offer a variety of services like medical care, house maintenance, sports activities and leisure.
* Retirement communities originally were made as apartments. But today, it ranges from fully furnished houses to a hospital-like facility where you could mingle with other folks. The majority of these retirement houses have safety precautions on floors, walls, electricity and much more.
* The cost of purchasing a house in retirement communities may vary depending on the location of the neighborhood and its services.
2) Know your needs.
* Independent. If you�re planning to live alone, think of your daily meals. The majority of these retirement communities provide meals to their residents. The retirement communities like these, provide an atmosphere and surrounding for retirees who can deal with living on their own.
* Congregation facilities. These are the types of retirement communities, which usually look like a condominium. In these homes, each unit is provided with a cord or a buzzer to have communication with the management if problems occur. The meals, transportation and house maintenance are provided for. They provide assistance to the senior, but give daily tasks for each to accomplish. This is the most common and most sought after retirement community in the market because of the wide range of activities and services it provides.
* Assisted living. The food they provide could be specially balanced depending on your diet. If you need assistance in eating, there are services that can provide you with complete medical and caring assistant order viagra. There are also services offered such as bathing and financial management. The needs of the retiree are taken care of, but their freedom is maintained cheap viagra.
3) Specifying needed facilities.
Knowing what you need in retirement communities would give you choices on what community to find. There are some who offers chore services and home maintenance, but on the other hand, there are some that don�t. Choosing the most suitable retirement community you would buy, will depend on whether your needs are provided for or not.
4) Expressing your lifestyle.
* Are you adventurous? Or did you always wanted to try fishing? Have you had enough of adventure and just wanted to learn new things? Is bible study an option for you?
* Education. Because it�s your time to just sit and enjoy life, search for retirement communities that provide access to your favorite sport, hobby, and interests. Check to see if the location has spaces for golfing, billiards, aerobics, badminton, or fishing. Although many of the retirement communities strive to enhance their services in adding sports feature, you still need to inquire if they provide the sports you love.
* Sports. Many retirement communities offer learning facilities. Check if their activity schedule and find out if they could provide you with knitting, painting, computer courses and many more. See if the community has a group forum for education.
* Culture. Events are important because living in a retirement community is like camp. Learn if the retirement communities offer fieldtrips to museums, concerts viagra, picnics, and many more.
5) Choosing your retirement community. With all of these selection listed, you will now be able to lessen your choices. Before choosing, decide on what state you�re going to live in. Location is very important. Know if there are hospitals in the vicinity. Then, start on finding which community would be perfect for your need.
Live the life you've always dreamed of. Retirement communities provide any kind of service you need. Purchase your own and share it with your loved ones.
Spring Cleaning: New Twist on an Old Tradition
When I was growing up in the 1940s spring cleaning was an annual event. Housewives prepared for spring cleaning with military precision. Because Monday was wash day, housewives usually started their spring cleaning on that day. But spring cleaning could last days or even weeks.
My mother took down all of the curtains in our house and washed them by hand or in the washing machine. I thought the washing machine was a metal beast, and actually, it could be dangerous. One day I heard my mother call me from the basement. Though her voice sounded calm, I sensed an urgency in it, and ran down the basement stairs.
My mother's hand and upper arm were caught between two rubber rollers. This wringer mechanism squeezed excess misture viagra from clothes and you had to "feed" the clothes into the wringer one by one. Fortunately, I was able to reverse the rollers quickly and my mother wasn't injuired.
Like the other housewives on the block order viagra, my mother laid our scatter rugs on the front porch to freshen them in the sunshine. Larger rugs were hung on the clotheline and mother beat them with a rug beater. But the "star" of my mother's cleaning equipment was her vacuum cleaner.
A traveling salesman managed to sweet-talk my mother and gain entry into the house. The salesman spotted my father's ash tray (he didn't know about the dangers of smoking) and dumped its contents in the middle of the rug. My mother gasped in alarm. "Don't worry," the salesman said. "This vacuum will pick it all up." And it did.
My mother was so dazzled by the demo and sales pitch that she bought a vacuum cleaner. To say my father wasn't pleased is an understatement. Young as I was, I picked up on the fact that this was an expensive vacuum cleaner. Howwever, it was efficient, just as the salesman said, and we used it for years.
The electric vacuum and washing machine were invented in 1903. Most families had these appliances, and a few had a mangle, an electric appliance that ironed flat items. Commercial laundries had dryers, but they weren't avaiable to the home market yet. Housewives dried their laundry on outdoor or indoor clotheslines.
Our pully-type clothesline went from the kitchen window to the garage. This was a simpler time, a time when nobody locked their doors and when modesty was alive cheap viagra and well. My mother hung underwear inside a pillow case so nobody could see "unmentionables." In my mind I still see sheets flapping in the wind and smell the wonderful outdoorsy smell of those sun-dried sheets.
The concept of spring cleaning is also etched in my mind.
After I married I felt guilty because I wasn't doing my spring cleaning. What was wrong with me? Nothing was wrong. I lived in a time of electric or gas dryers, dishwashers, dusbusters, and powerful detergents. Cleaning equipment had improved so drastically that I did a little spring cleaning all the time.
Spring cleaning is an old idea, but it's still a good idea. Today, spring cleaning may include home inspection, trying new products, identifying and removing mold, and maintaining your home.
INSPECT YOUR HOME. Cleaning gives you the chance to look at things close up. I didn't know we had a cracked window until I looked behind a blind. Apparently the neighborhood boy who mows our lawn had hit a stone and the stone cracked the pane. So check your windows, look for cracks, peeling weather stripping, and other signs of wear.
CHECK FOR MOLD. Though molds are a natural generic viagra part of your environment, some molds cause health problems. According to the Environmental Protection Agency, mold can cause allergic reactions and asthma. Mold grows in damp places so look for moisture as you clean. Fix a moisture problem right away because mold can get worse.
TRY NEW PRODUCTS. A vast array of cleaning products are available to us. I think the new static-charged dust mops and dust cloths are one of the best inventions yet. Stovetop cleaner is another time-saving invention buy viagra. I use it to clean my stovetop, my oven window and toaster oven window. Stovetop cleaner also removes spots from counters.
MAINTAIN YOUR HOME. I've moved so many times I've lost count, but I learned a lot from realtors. One thing I learned is that clean places sell faster than dirty ones. Good cleaning practices also protect your home. "I don't know why, but empty houses get dirty," a realtor explained. "Dirt builds up and the property starts to deteriorate." Cleaning may be boring, but think of it as a way to alternative to viagra maintain your home.
So I guess our grandmothers and mothers were right about spring cleaning. Thank goodness we have an array of appliances and products to help us. Spring cleaning is an old idea with a new twist. Put on your gloves and get to it!
Copyright 2006 by Harriet Hodgson
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