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It’s possible to put together a calendar using absolutely any images you wish,[link widoczny dla zalogowanych], so you can choose between one which features views of your favourite landmarks, one which uses a different picture of your own children for every month of the year, and one which mixes holiday snaps with family portraits in a way which tells the story of a family through the course of the year that’s just gone by. In fact, you don’t even have to choose. Such is the flexibility of the process that you could mix and match all of these options, or else get one of each printed and hand two out as gifts, keeping one for your own use.
In the modern age of hand held devices and computerised personal organisers the idea of a photo calendar may seem somewhat quaint, but there’s no getting away from the fact that it is, in many ways, the very best way of keeping track of your time and the dates that are most important. It won’t break down, run out of battery power or accidentally lose all of your information, and ‘updating’ it is as simple as picking up a pen or pencil. Personalised calendars take this idea of convenience and practicality and ally it to something that is both visually pleasing and emotionally resonant.
There’s no longer any need to settle for having the look of your kitchen or study brought down by a photo calendar which simply doesn’t fit and has no meaning for you. Personalised calendars are the perfect combination of the practical and the pleasing – something which will the warm the heart of whoever uses it each and every time they do so.
Photo calendars occupy a vital place in virtually every home in the country. A monthly calendar makes it simple to keep track of all of the important dates scattered throughout the course of a year – things like medical appointments,[link widoczny dla zalogowanych], school holidays, bill payment dates. Any event which you need to remember can be jotted down in a matter of seconds and consulted just as quickly,[link widoczny dla zalogowanych], in a manner which will aid the smooth running of any household and mean that you never miss a birthday, anniversary or vital meeting.
Calendar printing, which was once the preserve of professional companies with expensive equipment, is now within the reach of anyone,[link widoczny dla zalogowanych], and the software is so advanced that every single feature of the calendar can be tweaked and altered. What this means is that the choice of images is only the beginning. The layout,[link widoczny dla zalogowanych], the colour scheme and the graphic appearance are all in your hands as, indeed,[link widoczny dla zalogowanych], is the month upon which the calendar starts, meaning that one which is given as a gift can be printed to start in the very month of the recipients’ birthday,[link widoczny dla zalogowanych], a wonderful personal touch which only serves to highlight the thoughtfulness of the gift.
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Until now,[link widoczny dla zalogowanych], people have tended to put up with this, accepting it as just one of those things but,[link widoczny dla zalogowanych], let’s be honest,[link widoczny dla zalogowanych], we wouldn’t publically display any other pictures we didn’t find appealing or in some way meaningful, so why should the fact that this particular picture happens to be attached to a useful organisational tool make any difference? The answer lies in the world of personalised calendars, and the fact that it is now possible for absolutely anyone to fashion a calendar which not only does the job it’s meant to do, but also looks appealing, or comes with images which mean something to the person who is using it.
Author's Bio:
In fact, if there’s a downside to calendars such as these it lies in the actual images which are used. After all, it’s going to be hanging on the wall of your house or stuck to the fridge with a magnet, and you’ll be looking at it more or less each and every day throughout the year, so wouldn’t it be nice if it was actually something which you enjoyed looking at? All too often, a photo calendar purchased from a high street newsagent, a stationers or even a specialist supplier will be decorated with bland,[link widoczny dla zalogowanych], boring images falling into clichéd types such as dull landscape pictures or saccharine shots of puppies and kittens.
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The French president has said he will announce this week whether he will attend the opening ceremony of the Beijing Olympics. whom Beijing says is working for Tibetan independence.

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Daniel Schearf reports from Beijing." Gates said. will back its diplomacy with an "enduring and capable" military presence on the Korean peninsula. general would command both countries' armed forces in any wartime scenario against North Korea is to be dissolved.

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She claimed that the estimation is made by taking into account of the initial employment rate which exceeds 70 percent in previous years.
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Right now you shouldn't limit yourself to a specific topic. then you need to find out the best program to promote. your service better be exceptional. A welcoming smile.
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Is quite noticeable nowadays,[link widoczny dla zalogowanych], when will I ask for a raise? But I sincerely hope you don’t reach this conclusion,[link widoczny dla zalogowanych],S. constituting 37% of government expenditure and 7% of GDP It was created in 1935 as a part of the signing of the New Deal Many people don't realize that the average life expectancy in the US was less than 62 years old when social security was created in 1935 The government never planned on having more than 50 million Americans to provide retirement income for and that number is only going to continue to grow with the baby boomers now reaching retirement age It was meant to be a supplement to retirement not the main course Don't put your head in the sand hoping this problem goes away - IT WONT Start doing some planning now
PROBLEM #2 PENSIONS:
I hear it all the time "I don't have to worry I've got a state pension" I hope this isn't you Pensions aren't what they used to be Most state pensions are woefully underfunded
We all know private plans have failed left and right and many more companies have just discontinued their plans without much warning and to add insult to injury the Pension Benefit Guaranty Corporation - the government backup for failed plans - is massively underfunded by billions and billions of dollars Now even state and local government plans are at risk of collapse
In fact a recent study conducted by Joshua Rauh of Northwestern University basically said 45 out of 50 state pension plans were at risk of failing in the next 10 to 20 years Will yours be one of them What if it is How will you recover the income This problem isn't going away Do some planning now
PROBLEM #3 SAVINGS:
Here are some scary statistics:
* One-half of American households have accumulated less than $1000 in net financial assets and $35000 in net wealth
* Consumer debt (SPENDING) is a significant reason for low net financial assets
* The one-fifth of households with the lowest financial assets held by far the highest consumer debts most of them unsecured (mainly credit card debt)
* A majority of Americans in households with incomes of $35000 or less believed that they are more likely to accumulate a $500000 nest egg by winning a lottery or sweepstakes (40%) than by patient saving and investing of relatively modest sums (30%)
Do you fall into one of these categories Do you know if your income will last and how much you'd have This calculator may help It allows you to input your financial numbers and look at different outcomes I also have a new program called "Booming Income" that is available for you to configure income for life tailored just for you
BONUS PROBLEM #4 INFLATION:
As if those weren't enough problems to keep you busy trying to plug the dike you have to consider inflation Right now with all the bailouts printing money reducing interest rates to zero etc inflation has not reared it's ugly head..YET Rest assured it will The Feds can't sustain the money manufacturing indefinitely and when the flow becomes a drip watch out
Right now inflation is only running between 1-25% Do you know the highest inflation rate on record In 1979 it climbed to a breath taking 139% If that happened again how long would your savings last If you can't answer that you may want to take advantage of my free consultation
SOLUTIONS:
Here's just a few ideas:
* For the younger don't get caught in the government pre-packaged savings plans; 401k IRA's etc Life Insurance is a better option (more info on this at "Let's Talk Retirement")
* Use an annuity "bucket" method to create income now with one "bucket" set aside to grow for future income
* Put a portion of your nest egg in a Fixed INDEXED Annuity to allow for growth indexed to the market with NO LOSS guaranteed
* Add an income rider to the FIA to let the money grow in a side fund at 72-8% for income This allows the asset to double every 8-10 years
* Move money into tax deferred annuities to reduce or eliminate taxes on social security & brokerage accounts
* There's much more you could do
IN CONCLUSION: Listen there's a lot of things to worry about these days; your income doesn't need to be one of them You just need to take the time to do some planning so you know what needs to be done I have new products that will immediately add 8-10% to your existing funds and give you 8% guaranteed compounded interest for income Why would you "Park" your money at 1-2% in money market or CD's when there are these kinds of options that will still give you access use and control of your funds If what you knew to be true about your future income turned out NOT to be true when would YOU want to know about it Don't wait another minute CONTACT ME HERE and get some peace of mind
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Try not to turn this move into a power play. thank the person for holding. You can actually make your laptop experience really come alive with a new laptop screen as it will enable that new finish you had when you first bought your laptop to come back.

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2,[link widoczny dla zalogowanych]. Reward them for saving
Think of habits such as brushing your teeth or buckling up in the car. It becomes so automatic that we don’t have to think about it,[link widoczny dla zalogowanych]. Yet as a child it was sometimes an effort or something that we needed to be encouraged to do.
What if every time your child received some money they divided into 3 and allocated to spend,[link widoczny dla zalogowanych], share and save. The chances are that if repeated often enough, this habit may also become automatic.
If your child wants some coins to play with, do you worry that they will lose them, or that coins are dirty and full of germs? What are the subconscious messages here? How are children ever going to be happy and comfortable with cash if they think it’s either dirty or so scarce that they fear ever spending it?
3,[link widoczny dla zalogowanych]. Encourage routines
In the 'real world' we are rewarded for saving or investing either by interest, dividends, rent etc. Encourage your child to save by topping up their savings with interest of your own.
Adding a simple interest, or by giving 1 coin when they have saved 9 is an easy way to begin.
With financial education absent from the curriculum in most schools, it’s important for parents to play a key role in teaching their children about money.
6. A field trip
5. Demonstrate paying bills
This can be a great way of explaining the consequences in a cash free society. When the credit card bills come in,[link widoczny dla zalogowanych], sit down with your child and look at each of the items. Then you can explain what each purchase relates to. Then when you write a cheque it’s another chance to explain the system and that money is not just notes and coins.
In summary, remember that money is an idea as much as anything. So create an atmosphere where it’s ok to discuss money and for them to explore and learn.
When it comes to finances,[link widoczny dla zalogowanych], think of the rules that we ourselves created during these impressionable years. Was it scarcity and lack, was it jealousy and envy, or was it a confidence and certainty?
Think about the example you are setting your children. Do you change the subject when they walk in the room? Do you argue and fight over money or display stress over late bills? Children are more influenced by what you do than what you say,[link widoczny dla zalogowanych].
Try and cultivate a more open approach to discussing money. If planning a trip or holiday for example, why not share the costs of different options and involve the kids in the decision process?
Up until the ages of 7 or 8 children are literally being programmed by their environment,[link widoczny dla zalogowanych], what they see, touch, hear and most importantly feel, shapes the 'rules' they create in their subconscious minds. These rules then dictate their values, beliefs and actions and can be difficult to reshape as adults.
Encourage your kids to make a list of the things they are most grateful for. Perhaps tie this in with the spend share save activity and donate some money to something important to the child.
The story of Pinocchio may be more profound than we initially thought…
A perfect creation gradually gets influenced and tarnished by its surroundings before thankfully finding its way back to its true nature,[link widoczny dla zalogowanych].
If they have lots of toys why not give some to a hospital or charity shop?
1. Set an example
Encourage numeracy skills by asking your child to hand over the money and calculate the change.
By Daniel Britton
See all Articles by Daniel BrittonSee Daniel Britton's Expert PageGet Updates on ParentingGet Updates on Daniel Britton Average: 2.333335 Your rating: None Average: 2,[link widoczny dla zalogowanych].3 (6 votes) Tweet
One of the best ways to manifest more of something is to be grateful for what you already have.
A trip to the bank, post office or supermarket can be a rich learning experience. Explain what you are doing and why. Focus on where the money goes and how it circulates in the economy.
7. A Gratitude List
Here are 7 ways to help you teach your child about money
4. Use real money as play money
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How often do we forget to say the simple words "I'm sorry",[link widoczny dla zalogowanych]? It is not uncommon these days to be scoffed at for doing so,[link widoczny dla zalogowanych].
Our children watch the way we interact with other people and then they copy that behavior,[link widoczny dla zalogowanych]. It should not come as a surprise if at some point and time we hear our words repeated from their lips.
Children's Peers
Defense and Indifference to Inappropriate Behavior
Author's Bio:
* Engaging in intimacy infront kids,[link widoczny dla zalogowanych].
* Lacking stability in relationships with members of the opposite sex.
* Coming home drunk.
* Smoking Marijuana or taking other illegal drugs in the presence of children
* Using the B word to refer to women
* Confrontations with the police
Conclusion
Rudeness
We can pass our bad behavior onto our children. How many times have you heard a parent routinely use the F word in front of very young children,[link widoczny dla zalogowanych]? Make statements like "I had to cuss them out".
The Media
Our media can play a role in influencing our children's thought process through the images and messages it sends to a young and impressionable world.
Some under estimate the role of television,[link widoczny dla zalogowanych], movies and music on young minds. However,[link widoczny dla zalogowanych], I beg to differ. In our times we have seen movies with children using cuss words that would even make a sailor blush.
Abuse and Aggressive Behavior
Parents have the ability to become heroes in the eyes of their children. By building trust and respect,
you can become the person whose character fills the chalice from which they drink,[link widoczny dla zalogowanych].
Many of us have a "do as I say do and not as I do" attitude. But is this a realistic expectation.
The mixed signals will chip away at your credibility with the child because they see the contradiction,[link widoczny dla zalogowanych].
If we cannot control ourselves then how can we control and be a positive influence in the lives of our children.
Living in a society where we frequently debate issues like freedom of speech: Would it not be wise to exercise this right with prudence and temperance for the sake of our children.
* Parents abusing each other verbally or physically
* Verbal or threatening physical abuse to a teacher that gives negative feedback about your child
* Bullying and terrorizing people to get what you want.
There was a time when adults felt the need to discuss sensitive issues would ask the children to leave the room. Today,[link widoczny dla zalogowanych], this may not always be the case. Infact, parents may find themselves having to explain the behavior of others.
Eventhough, this may not be happening in your home, here is just a short list of bad manners and behavior we expose our children to either at home, from peers or environmental influences.
* Bumping into others without saying excuse me.
* Accepting courtesies from others without saying thankyou
Bad Judgement
By Nick Kaplan
See all Articles by Nick KaplanGet Updates on Child DevelopmentGet Updates on Nick Kaplan Average: 0 Your rating: None Tweet
Parents are not the only source of a child's bad behavior. A child's peers also have a great influence over what they internalize. If a child wants to be accepted by peers, they may do whatever is necessary to become a part of the group.
* Making statements like "I'm grown I do what I want to do".
* Laughing at cruelty to others and pets,[link widoczny dla zalogowanych].
* Bad work habits like constant lateness or absenteeism.
* Lying to get out of difficult situations or for personal gain.
* Stealing in front of the child.
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according to public institutions devoted to playing for the Beijing migrant workers legal rights -- the Fengtai District Shi Fumao executive director Cheng Law Office, 2006,[link widoczny dla zalogowanych], migrant workers Taoxin reached the peak, in the received 1330 migrant workers Taoxin cases,[link widoczny dla zalogowanych], there were 1200 cases. However, from the beginning of 2007, migrant workers Taoxin cases in the received total cases decreased year by year, the first three quarters of 2011 accounted for only 15%.
the year of the Dragon Spring Festival is approaching,[link widoczny dla zalogowanych], migrant workers by the end of the "assault Taoxin" become one of the hot social focus once again. In 2012, major ministries Heli attack,[link widoczny dla zalogowanych], the community also devoted attention to migrant workers. Compared with previous years,[link widoczny dla zalogowanych], this year before the migrant workers Taoxin channels more smoothly, please pay is also gradually reduced.
previously, a number of departments of human resources and social security ministry, the national development and Reform Commission, the Ministry of Public Security issued a series of protection of migrant workers wage payment documents, such as before the Spring Festival in 2012, to ensure that the basic wage without arrears, and the provisions of the labor payment disputes collective 10 people above,[link widoczny dla zalogowanych], the case was closed within 7 days, increased restructuring efforts.
recently, Ministry of human resources and social security of labor relations department director Qiu Xiaoping also said, in recent years, relevant departments of all regions,[link widoczny dla zalogowanych], conscientiously implement the Party Central Committee, the State Council requirements, increase the enterprise wage payment security efforts, the problem of wage arrears for migrant workers overall drop.
last December 29th, the ACFTU spokesman Li Shouzhen said: "wage arrears management has made significant progress, the arrears of wages of migrant workers wage arrears phenomenon has slowed, the number of enterprises, number of employees, the amount of decrease,[link widoczny dla zalogowanych], group events decreased."

The overall decline in
"I saw 9 ministries to help us migrant workers Taoxin news on TV, I feel particularly good. We now pay if arrears, will go to the labor arbitration committee." To work in Beijing Inner Mongolia boy Wang Daming said.
>
according to the people's Insurance Department statistics, since this year, the national labor security supervision special inspection of law enforcement has 1292000 migrant workers are owed wages and compensation for 2940000000 yuan.
Li Shouzhen, the ACFTU has always attached great importance to safeguarding the rights and interests of migrant workers, all took effective measures to help migrant workers taoxin.
many are on the migrant workers from the construction industry, according to industry analysis, the problem of wages of migrant workers gradually resolved,[link widoczny dla zalogowanych], and the government to increase the recovery efforts on. In May 1,[link widoczny dla zalogowanych], 2011, "the people's Republic of China criminal law amendment" for the first time on videotape row offense, crime as "the crime of refusing to pay the remuneration", a maximum sentence of 7 years.
at the same time, Jiangsu, Chongqing,[link widoczny dla zalogowanych], Liaoning and other provinces and regions of the city opened a migrant workers Taoxin easy access, to help them maintain their own rights and interests.
multi sectoral joint force
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Somewhere in the midst of all of this activity you start feeling exhausted because you’re working hard - yet you’re not creating the results (i.e., income) that you had hoped for. You tell yourself, “It’s just not possible to make money in an aligned,[link widoczny dla zalogowanych], balanced way.” So you settle down for a much needed respite and break.
Studies have shown that people who consistently make time to acknowledge what they’re grateful for report being significantly happier. Not only that but a happier entrepreneur is more likely to consistently take inspired action, reach out to prospects and move beyond their comfort zone - because they feel more confident and secure.
Instead the goal is to maintain your energy and inspiration so that you’re able to work in a more intentional,[link widoczny dla zalogowanych], creative and consistent way.
“I’m rich and happy because…
Unless you’re an adrenaline junkie this erratic way of working probably doesn&rsquo,[link widoczny dla zalogowanych];t serve you or your business.
By Leslie Cunningham
The official guide to Women and Money See all Articles by Leslie CunninghamSee Leslie Cunningham's Expert PageGet Updates on Women and MoneyGet Updates on Leslie Cunningham Average: 5 Your rating: None Average: 5 (1 vote) Tweet
Try it out for yourself and see if you don’t notice a significant shift in your happiness levels, your creativity and your ability to increase your income and create more miracles in your business AND life!
Every day when I get up I give myself full permission to engage in some precious “just-for-me” time. I might light a candle or play some soft music and sip some tea. I pull out my gratitude journal and I’ll write about two specific areas: 1) What I’m grateful for - sometimes I’ll write as many things as I can think of, other times I’ll write just 5 things. And 2) I’ll write the sentence, “I am rich and happy because…” - and then list the ways that I am truly rich in my life.
Author&#039,[link widoczny dla zalogowanych];s Bio:
I attribute my ability to breakthrough six-figures in six months to my daily gratitude and inspirational time. Not only that but I stay consistently happy and inspired in my personal life – just ask my husband and colleagues,[link widoczny dla zalogowanych]! : )
Does this feel like a familiar experience to you?...

As a women entrepreneur in a moment of awareness and panic you realize it’s time to take some fast action to bring in some immediate income.
Of my awesome son
The conversation I had yesterday with my husband
Because I make the time in the morning to get exercise and go for runs or hikes
Sometimes I’ll describe things that have to do with money. But more often I’ll journal about the intrinsic ways that I am truly rich and happy RIGHT NOW. Sometimes I’ll find myself listing things like:
My two absolute favorite tools for achieving this are to maintain a daily “Gratitude Journal” and a “Manifestation Journal.”
If I,[link widoczny dla zalogowanych], as a mother of a 2-year old, a wife and women entrepreneur can make time to keep a gratitude and manifestation journal– ANYONE can make time to do this. All it takes just 10 to 20 minutes a day!
In my manifestation journal I’ll write about something that I’ve manifested in my life. Sometimes I’ll write about manifesting money,[link widoczny dla zalogowanych], income or clients with ease, a personal breakthrough,[link widoczny dla zalogowanych], how I listened to my inner guidance or a leap that I was inspired to take that created phenomenal results in my business.
And then I’ll take just a few more minutes to read some sort of inspirational reading. I love my quiet time in the morning,[link widoczny dla zalogowanych]!

Many of my clients have been truly amazed by how much they were manifesting after they started consistently keeping these two types of journals. Sticking to this habit really supported them in taking the time to acknowledge all the things that they were accomplishing and all the things that were going well in their lives,[link widoczny dla zalogowanych]. Otherwise they would get so busy that they weren&rsquo,[link widoczny dla zalogowanych];t able to see it!
What exactly is a gratitude journal,[link widoczny dla zalogowanych]?

Here’s an example of how a gratitude journal works for me.
So you work extra hours, reach out to prospects, do a little networking and possibly stretch yourself to launch a program or two.
Tips and examples for keeping a manifestation journal

After I complete my gratitude journal I’ll often pull out my manifestation journal. I don’t write in this journal every day, but I do write in it consistently several times a week.
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