Oct 8

By Danica Reynes

If you want to improve your listening skills as a married couple, you should not be judgmental when you listen, keep eye contact, avoid interrupting, observe nonverbal cues, be aware of gender differences, and avoid being a passive listener.

Communication is essential in relationships, especially in marriages. In fact many serious marriage problems can be avoided when couples make effective communication a priority. Communication takes two parties, one to encode the message and send it, and another to receive and interpret the message sent. It involves talking as well as listening. Listening to one’s partner can go a long way and can make your partner feel valued. Just listening is one way to help your spouse be happier, and it works for both husbands and wives. Read on to learn how to listen better.

Listen with an open mind

Always strive to be open-minded with your spouse. There are some individuals that think ahead about how to respond without taking time to hear the other person. Being open-minded means you are keeping the conversation natural and free-flowing without the interruption of your personal agenda. Judging too quickly and without appropriate thought just causes you to miss critical things your spouse is trying to tell you and will only cause more arguing. Stop yourself before making hasty and false assumptions.

You should keep eye contact.

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Body language can reveal how serious you are to what the speaker is saying. It is very important for your marriage that you pay close attention when your partner speaks and try to maintain eye contact. Stop thinking about other things or zoning while listening to your partner when he is talking.

Don’t interrupt

Let your partner speak with no interruptions. Keep quiet even if you feel defensive so your spouse can see that you are willing to listen even when they say something you may not like. To make sure the situation is entirely resolved it is best to ask questions for clarification after your spouse is finished speaking. Don’t interrupt, as that will prevent you from gleaning all of the information you’ll need to respond well.

Pay attention to what isn’t being said

While your partner is speaking, observe changes in their voice and body language like facial expressions and other mannerisms, which will give you clues to what they are not saying. Picking up on nonverbal cues will help you to respond better to your partner.

Use caution with differences in gender

Overall, studies show that communication styles and purposes differ between men and women. For men, the motivation for talking is usually to impart information or think things through. By contrast, women talk to feel connected and learn things. Being knowledgeable about these unique traits, of men and women, will help you to communicate in a more effective manner.

You should not listen passively

When your spouse speaks you should focus in what they are saying and remember their words. Be more specific and make sure that your responses are not negative.

A very important aspect of communication for any couple is the art of listening.

About the Author: This is the website to visit when you want to learn more about how to listen constructively to your spouse and

make her happy

: http://www.lightherup.com/how-to-make-her-happy-and-keep-her-happy-369/.

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Sep 18

By Raymond Angus

Potential jobs for senior citizens are everywhere you can imagine. All you have to do is think outside the box.

What in the world does that mean? It means you have to be creative in sizing up a prospective employer. You have to let your imagination run freely and not limit yourself to presumed limitations.

When you pack material into a cardboard box, you are limited in what will fit into it. Your thinking can be restricted to narrow expectations also.

Don’t confine yourself to classified advertising in the local newspaper when you are seeking out jobs for senior citizens!

Turn your imagination loose and allow it to run freely. If you are hunting for jobs for seniors then you are probably scratching your head as to where to begin.

We’re talking about solid employment now! Not just a way to fill the hours from sunrise to sunset. You don’t just want to while away the time wishing for more fulfillment in your life and an increase of monetary income.

What is your motivation? Are you scared stiff about the vulnerability of Medicare and overall healthcare so much so that it is cutting into your sleep?

Do you spend a lot of time pondering about shrinking Social Security benefits and the runaway cost of living?

Most of allare you wondering right now what in the world you can offer an employer to hire you? Are you quizzing yourself about what skills you have that would convince a business to offer you a job over anybody else?

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Now own up to it! Aren’t these some of the worries you hammer yourself with from time to time?

Well, I’ll let you in on the answer to these questions!

Did you know that you have something of such immense value that empires have been lost for the lack of it?

Wars have been fought because it was never in evidence, and lives have been sacrificed because it was not taken into account in the planning of actions.

You are the repository of solid, hands on, well earned insightful experience! You probably suspect this fact already, but do you have any idea of its value in the modern workplace?

Jobs for senior citizens are being created everyday and everywhere! The problem is, they aren’t recognized and they aren’t being advertised.

You need imagination to think out of the box to see the possibilities!

For example, the local bank has them, so does the hardware store across the street, the advertising firm downtown, the automobile dealership at the mall, the legal firm a mile up the street, the manufacturing company in the next blockand the list goes on.

How about a business that was forced to shift gears in production of an in-house designed product. What if it lacks employees capable of understanding and adapting the necessary changes of activities on almost a moments notice?

Do you think you could handle that problem because something similar to it happened in your own past work experience?

This is just one of the many jobs for senior citizens that are born every day in our fast changing modern workplace.

What if a large retail store deemed it necessary to stave off bankruptcy by shifting its sales focus into a brand new line of goods.

But what if it didn’t have employees on staff possessing the experience vital to changing their presentations?

What if the staff didn’t understand the usage of the new products?

Could you excel in this situation because you went through, read about, or studied almost the same exact problem?

Did you ever hear about the small sales office in the Midwest that found itself suddenly in the wonderful position of gaining a massive increase of business?

The production staff was inundated, and their outdated techniques and computer equipment became virtually useless overnight?

A senior citizen in a nearby retirement home read about it in the newspaper. He picked up the phone and called the president of the company and offered to show him the way out.

That senior, and several of his friends at the same retirement home, both men and women, had spent their business lives in sales and office procedures. They guided the company through the design of a new computer program and system.

The company’s president hired every one them on the spot, full time!

Do you realize that those are not rare events? Situations like this happen somewhere almost every day in this massive and changing economy we live in.

Decide now the type of employment you want! List your experiences and training on a sheet of paper.

Keep an eagle eye on what is going on in organizations all around you. Use your imagination and by all means think outside the box.

When you come across potential jobs for senior citizens that are tailor made for you and your experience and skills, move on it!

A major league baseball player only has to get a safe hit three times out of ten at batsand he is acclaimed a superstar.

Believe in your real value, and become your own superstar!

About the Author: Raymond Angus is a widely published author who has spent fifty years writing for, and about, major corporations, professionals, and celebrities. His website, TheSeniorsLife.com highlights why seniors are a natural resource and treasure that has long been overlooked. Learn why seniors experiences and skills are now much sought after by business and society today. Visit

TheSeniorsLife.com

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Jun 16

By Ingvar Grimsmo

Here in British Columbia, Canada the latest lottery winners were a gay couple. Regular working people. Cool. I wonder if they would be as generous as an elderly couple in Nova Scotia who won 11.2 Million in July 2010. They have given away most of the money to family and charities. Now that’s cooler.

I always wondered what I would do if I won say.. 10 million dollars. Tax free, of course. (This is Canada!). First – debt free. Own a nice house and so on. That’s going to burn oohh about $600,000. Then I’d want a boat, maybe an apartment somewhere nice and hot. That’s set me back another $600,000. Or more, who knows.

I would quit work. So I would set up a fund where I could have a steady income for the rest of my life which is about another 20 years. So to clear $10,000/month just from a 3% financial vehicle I would need $15,000 per month gross. Or $180,000 per year. That would need about $5,500,000 invested.

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So far I have spent about 7.7 million bucks. Left is 3.3 million dollars. Hmmm… family? Ok, I’d set up funds for the kids. Travel? Sure, let’s take a cruise around the world.

So within mere months I can blow through 2/3 of the money. Easy. That’s what people do. Lots of people that win big have nothing left after a year or two. They have no sense of the future. I think that with a big win – the lottery corporations should provide a free financial advisor. I also think that having winning pots more than a few millions is silly. Wouldn’t it be better to share the prizes? Say take the 50 million recently won here and make it 50 one million prizes? Chances of winning would be greater.

But no, this is one of the reasons for people buying lotto tickets in the first place. To hope for the big win. Someone told me the other day when I asked why he bought lottery tickets: “It’s a cheap way to dream a little for a few bucks a week.” Good point. Go to any mall and hang around the lottery booth and you’ll see the same people there all the time. Especially elderly people. It’s their entertainment.

Do they get hooked? Perhaps some do. It’s like anything – moderation. Even though most people have no idea of the math of lotteries. However, they saying goes: “If you don’t buy a ticket you are guaranteed not to win anything.” I guess even a remote chance of winning is something.

Can you increase your odds? As a data analyst I would say yes. The drawings are random, but you can increase your odds of winning by buying a set of tickets and mathematically pick numbers that cover more combinations. There are lots of systems out there, the most popular is The Silver Lotto System. See link below.

Play the lotto within means. Only spend money you can afford to lose. And good luck.

About the Author: Ingvar has been on his own since 1988. He’s an internet marketer, but his “day job” is that of a database programmer. He’s particularly fascinated with lotteries.

LotteryWinningNumbers.ca

Source:

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May 1

Business-Adviser Provide A Complete Range Of Accounting, Taxation And Audit Services

by

Mark BonneyLet’s be honest, when it comes to keeping your business finances in order sometimes you can become flustered. It is no easy task having to remember properly filing your taxes or get your accounts in order while running a business. Take the easy way out and contact Business-Adviser to get the best service for your business needs.

If you are thinking, “how much is this going to cost me?” A perfect suggestion is to ignore the current costs and think about all the help you will be receiving. Business- Adviser offers you and your business top professional help for a great price. Read below on the different ranges of services Business-Adviser offers their clients.

Accounting Services

If you are not a numbers person, then accounting is not in your future. But not to fear with the help of Business-Adviser, they offer bookkeeping services and accounting services to whip your finances into shape. Business-Adviser offers package deals that won’t leave you hanging.

Audit Services

It is doubtful that anyone likes to getting audited, but with Business-Adviser’s help, things can go a lot smoother. Business-Adviser is an expert firm and is a registered audit company that can make your audit worries less troublesome.

Registered Tax Agents

Who better to help file your taxes than a registered tax agent? The professionals at Business-Adviser have learned all there is to know about taxes and have you 100% covered. Their low costs and excellent Auditing Services Parramatta make for a great partner for your business during tax season.

Tax Strategies

Is anyone ever really ready to file taxes for their business? Taxes are tedious and difficult to file if you do not know what you are doing. Business-Adviser has a plan for filing taxes and they stick to it. Their high-quality agents come up with the perfect strategy to tackle your business taxes and they always follow through. Business-Adviser is always up to date on rules and regulations on taxes and has your business covered.

Financial Planning

While you may not have thought about financial planning for your retirement. Now is the time to start thinking about it. Business-Adviser offers financial planning that can help you choose the right path for your retirement. The best part is that putting money away for your retirement can count as a tax write-off, which can save you money!

When the end of the tax year approaches quickly, you can rest assured that you are in great hands with Business-Adviser. You could save a load of money by having a Professional Bookkeeping Services look at your business financial information and file the proper tax information. Filing your taxes, getting audits done, and reorganizing your accounting is much easier said than done with Business-Adviser.

Visit Here For More Information : http://www.business-adviser.com.au

Business Advisory Services A complete financial and system analysis is an important first step in figuring out what happens next.

Article Source:

eArticlesOnline.com}

Feb 27

By Simon Johnnson

Men with curly hair usually have problems with dryness, coarseness, not to mention brittle hair. Curly hair also tends to get frizzier during the more humid seasons.

But fear not! Maintaining your curly hair isn’t as difficult as it may seem. There are a whole range of hair-care products available in the market. Men’s hair products and hair-cuts are all at your fingertips to manage your curls without going broke.

The easiest solution of course is to shave your head! Bald men are actually quite a turn on for many women. However, don’t try and do this to yourself. You might end up cutting yourself and not the hair. Go to a barber’s and make clear to them what you’d like.

There are a few products that guys with curly hair can use to keep their hair in check-

— Cream -Based Shampoo: Shampoos that have a creamy base are better than clarified, clear shampoos as they moisturize more.

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— Double Conditioners: One cannot overdo it with the conditioning when it comes to frizzy curly hair. Keep a heavy duty conditioner for following up every hair wash and a deep rooted conditioner for use occasionally, about every week.

— Cream Styling: Use a cream based styling product to enhance your curls without drying them. The cream is usually rubbed into the hair and allowed to dry.

— Serum Styling: You could alternatively use a styling serum. These are usually warmed before rubbing on the palms and spread into the hair.

— Gel or Balm: Blow-drying your hair should be usually preceded by a straightening gel. Use about a quarter-sized amount of it on your hair before drying.

Other than the products, there are a few tips you can follow:

1. Try not to use the Blow Dryer: The dryer, as its name suggests, really does dry your hair. For hair that is already curly and frizzy, heat only adds to the problem. Finger-combing and air-drying works better. If you absolutely must use the hair dryer, cup your hair with your hands from below the dryer or use a diffuser to lessen the drying effect.

2. Less Mess is Goodness: Try not to play with your curls or scrunch them. The more you tease your hair, the more you ruin its texture. If you need to style your hair use your fingers to curl it and let it dry in the air.

3. Good Stylists: Find a stylist who himself has curly hair so that he (or she!) can understand all your hair needs. That way you won’t have to explain yourself over and over again.

If you don’t want to shave your head, you could try letting it grow out and going in only for short trims. That way you’ll always have a nice, clean look with soft to touch hair. Don’t use anything but scissors on your hair when you get it cut! The Superbad look that Jonah Hill once sported may prove to be your look in this regard, or the other option of Adrian Grenier may also work out. Whichever it is, experiment and take care of your hair to always look clean and sophisticated.

About the Author: Simon Johnnon is the director of content for Executive Gift Shoppe. They feature a large selection of

Groomsmen Gift Ideas

like money clips, cufflinks or a

Zippo Lighter

.

Source:

isnare.com

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Jan 14

By Theodore Olson

The Internet has been touted as the greatest resource for the used car buyer. Prospective buyers can find trade-in, private party, and retail values in a heartbeat. The question to consider, however, is what Internet source is right? The three major sites: NADA, Edmunds, and Kelly Blue Book are clamoring to be the Trusted Authority on used car values. Yet price discrepancies are frequently in the $1000s from site to site. Which web site, if any, is the most accurate source for the used car buyer?

To illustrate the discrepancies, heres an everyday example: NADA may retail a 2003 SAAB 9-5 Linear at $15,996, Kelly Blue Book prices it at $17,456, and Edmunds prices it at $14,800. These are all retail values, assuming excellent or clean condition. $17,456 minus $14,800 is a $2,656 difference. Thats a huge price difference in the highly competitive used car market.

The retail values placed on many vehicles by these web sites can have even larger price differences – some as high as $4000 to $8000 dollars. These gigantic price fluctuations can leave a used car buyer spending $1000s extra, depending on which guide he or she used. Moreover, private party and trade-in sale prices do not accurately account for vehicle condition, and less than 5% qualify as excellent.

Vehicle condition is a critical variable. An owner might think his trade-in is in stunning condition and thus worth X, based on his Internet research. An expert may know it needs $1000s in repairs and reconditioning costs.

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The answer to whose prices are right is that none of the big three web sites reflect used car prices accurately. Most often, the prices are too high on the retail side, questionable on the trade-in side, and confusing on the private side.

So what or who is the real authority? The answer is the Market! The market (i.e., the folks grinding it out everyday in the used car market place sellers and buyers) reflect true market value. Web sites are guides only. The used car prices from these sources need to be measured against the reality of the market.

Heres a scenario to illustrate the importance the market plays on used car values. In the Northeast, the banks rely on NADA, used car dealers prefer to use Kelly Blue Book, and used car buyers are turning more and more to Edmunds. Now the dealer will likely want to use the inflated (Excellent condition) Kelly Blue Book value. The buyer wants an unrealistic Edmunds price, and the bank wants to use an under-valued NADA price. In other words, the three primary people in the car buying process the buyer, the seller, and the lender, are all on different pages. Each player wants the most advantageous price based on the part he or she is playing. The market is the only element that evens the playing field. The point here is to demonstrate that the market is the true source to determine a REAL and FAIR used car value.

In order to get a fair price, according to the market, a used car buyer should aim for the middle. Avoid the highest prices and be realistic and flexible about the lowest. Stay somewhere in the middle to get a fair deal.

If you want a great deal, follow the market closely. If buying from a retailer, eBay and auction prices dont count, as these are wholesale venues. Check out Cars.com, AutoTrader.com, and some of the other Used Car Sources. See what the vehicle you want (including miles, equipment and accessories) is being advertised for. Again, shoot for the middle!

Use the popular Internet resources, but dont follow them blindly. You may actually pay significantly more than market value.

Having said all this, this doesnt mean that used car dealers are going to stop trying to low ball trade-in offers. And of course every dealer wants to sell its vehicles for a maximum. But remember, the same goes for car owners, but in reverse. They want the highest price for a trade and the lowest retail price on a vehicle.

When using Internet sources to determine a used car value, be sure to enter the correct information. This may sound elementary, but option packages, models, miles, color, equipment, engine, transmission, gear ratiosetc, can be confusing. Yet these are important variables that will affect prices dramatically. In short, the wrong information skews the numbers.

Finally, what really needs to be highlighted with NADA, Edmunds, and Kelly, as well as other Internet sources, is that they are GUIDES. They are excellent resources for vehicle information, but weak resources for prices. This is not to bad mouth any of these sites they are great starting points. Remember, however, that these guides may or may not be in the car buyers favor. Fair used cars prices are dictated by the market. Yes, do your research on the Net, but dont cling to it. Use the Internet only to find the used car markets middle ground.

About the Author: Ted Olson is the founder of RepairTrust – a website dedicated to help the auto consumer avoid the pitfalls of the automotive industry. Click

Auto Repair Costs

to learn more…

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Nov 15

By Estephen Dolano

You must be keen on having a new home in Canada, right? Were you making plans for refinancing your active higher rate of interest mortgage with lesser rate of interest home loan thereby cutting down your monthly repayments? Were you interested in pulling out some of the equity in your house to carry out some mandatory house improvements or getting it for a fresh corporate set up? Is it true you are experiencing any urgent cash requirements for instance managing your child’s education fees, medical ailments or any other financial worries? Now, it is possible that you’ll need a mortgage.

Home mortgages permit Canadians to purchase houses, decrease the interest rate on houses they already have, and exploit otherwise wasted home equity and put it to good use. Not having the productive outcomes of home loans, we’d be compelled to purchase our home with hard cash. Home mortgages are a bit more than ordinary home loans. With the help of refinancing, you can enjoy lower rate of interest, longer or shorter pay off time, or save for retirement life! By using a home equity loan, you are in a position to utilize those additional funds for the unpredicted emergencies which crop up.

Additionally, whenever you would like a mortgage in Canada, it is likely for you to have 2 choices: take a trip to a retail financial institution to secure a home loan, or talk to a mortgage broker. As you are choosing, you have to know that when you choose to check out with a mortgage lender for the mortgage, you’re dealing with just one single loan provider and a loan representative who stands for that lender instead of you. A mortgage lender’s loan officer is all in favour of delivering loans that are money-making for the banking company. The loan officer will be hunting for stipulations which are beneficial to the lender and won’t keep your welfare at heart.

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However, that’s primarily how a mortgage broker will work. Mortgage brokers have connection with multiple financial institutions and lending resources as your representative, trying to get the lowest rate mortgage to meet your requirements. They are basically familiar with lots of solutions which may be great for you and if not, they’ll hunt around throughout their association of banks to search out one that may be suitable for you. Mortgage brokers will even be aware of programs especially for those having poor or no credit, even though a typical financial institution may generally disapprove someone instantly without specified, generally excellent, credit rating. To be brief, if you’re in need of a property loan in Canada, a mortgage broker will be available for your needs, a lender’s loan officer may never be accessible.

That being said what exactly is the way in which a mortgage broker does the job. Besides will you be charged any charge in return for their good resources and time? Well, no. A lot of Canadian mortgage brokers are paid commissions together with fees from the loan companies they do business with. Whatever the case, there’s no fee to you. In addition when you appoint a mortgage broker who does ask for a fee, it is time to unearth one that wouldn’t. Whenever you require a mortgage for a first house, a second house, to refinance an already owned home, or maybe to keep a little extra money in your pocket, use a Canadian mortgage broker for your Canadian home loan. You would obtainquite a few choices, and superb advice. Thus, begin looking immediately!

About the Author: Estephen is an expert in the field. For more information on

Mortgage Brokers Rates

, and

Best Variable Mortgage Rates

Please visit: http://www.ratesupermarket.ca

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