Do you really need to learn money management or do you need to learn a new attitude about your money? Where did you learn your ideas about money? Probably if you’re like most, you learned what your parents taught you. Maybe your spouses’ money habits and concerns have rubbed off on you. Most importantly, how will yours rub off on your children? Before you can teach money management to your teen, what do your words and actions say? If your children use the same techniques for money management in 20 years, will they be headed toward success or disaster? Maybe it’s time you rethought this love/hate relationship with your old friend, money. Maybe it’s time you adopted some successful attitudes; such as:

1: An Attitude of Gratitude

So often, as parents we give our children this line when there are complaints about what’s for dinner, who got what toy or got to sit in which seat. We say, “Stop complaining and be grateful for what you have,” or something to that affect. If it’s become rote, more than likely what you’re really saying (which is what your child is hearing) is “Shut-up and stop complaining,” which amazingly enough, doesn’t sound grateful at all, does it? The way we teach our children to be grateful is by being thankful for what we have and expressing it regularly; and no other topic comes to mind so regularly as money. Are we thankful for our good health and yet whining about our paycheck or our taxes? The more grateful we are for what we have, the more we’ll have to be grateful for.

2: An Attitude of Respect

We’ll spend time teaching our kids to respect their elders, respect our rules and have respect for themselves, but too often respect for money gets pushed aside. There seem to be 2 schools of thought, neither of which are respect; fear or disregard. If the budget rules your house with an iron fist and every penny is squeezed, you are passing down a fear of money to your child. If money is so scary that it controls even Mom and Dad, the most powerful people in the universe, it must be bad. Total disregard of the finances is just as bad. A lazy attitude of, “Oh the mortgage will just be late and I have no idea how we’ll pay for the credit card, but we’ll stop thinking about that once we go shopping,” teaches disrespect for money, which will translate into lack of money later in life.

3. An Attitude of Joy

Money is fun and if you’ve forgotten that, let me remind you. There was a time; maybe a long time ago, maybe you were still a child that you suddenly “came into” some money that you weren’t expecting. There it was, a whole $20 and you couldn’t believe how great it was and started right away imagining all the cool stuff you could buy with it! Why should you give up that joy as an adult? Spending money is fun and when you give with love and an open heart, not only is it fun but you are making abundance possible in your life. Spending money begrudgingly and reminding your children and spouse about how much they “cost you” every time you leave the house not only stops the abundance coming into your life, but makes you a killjoy.

4. An Attitude of Interest

How much do you really know about money? We all know that in order to have a good relationship with our spouse, we have to communicate. We have to find out what makes them tick. We have to get to know them. We know as parents that we need to know our child’s interests and spend time growing those talents. We are successful at what interests us because we automatically take the time to find out more. So wouldn’t that apply to our money as well? How can expect to have a great relationship with your money if you don’t know the first thing about it? When the only time you spend with money is that dreaded day of the month where you grip the checkbook, hope for the best and pay the bills, how can you really know what makes your money tick? Get involved with your money and invest the time in finding out more. Get your family equally involved with the finances. If one spouse handles all the money, the other one should still know the essentials of what this family is doing with finances. Your family budget, the one your kids know exists but never find out why or how it works, is a “family” budget. Take the mystery out of your money and spend time with it.

5. An Attitude of Value

Understanding the value of money goes beyond, this is $10, it’s worth $10. How you value yourself and your personal values in life are expressed through your value of money. Are you spending every waking moment in a desperate attempt to keep up with the Jones’s? Are your kids always dressed to impress even though they’d rather be just comfortable? Is it not good unless it’s the most expensive? These are all ideas that scream, “I am not enough, not valuable without money.” Is that what you want your children believing later in life? On the other end of the spectrum we have those that never buy anything new, their house is in desperate need of repair, their children live in hand-me-downs and they’re not satisfied unless they got “it” the cheapest that they could get. They even love to brag about how little everything they own cost. Are you really being frugal or have you taken the “we don’t deserve nice things” and made it a lifestyle? Are your feelings of self-worth controlling your money habits? And if so, what kind of value are your children seeing?

6. An Attitude of Confidence

Obviously if you are married with children, fear of the unknown doesn’t really faze you. You walked down the aisle despite what the statistics told you that the odds were. You had children and are raising them in the face of awesome odds. Look at you – you’re doing it! So why, when we’re brave enough to face the challenges of marriage and parenthood, do so many of us figure that money is totally out of our control. We can trust God with our kids, but money is up to fate, luck and maybe the lottery. We can count on our spouse to be with us through sickness and through health but we can’t count on ourselves to be “good” with money. We’d start that business if we had the money. We’d buy that stock if we had the money. Confidence with money comes from the knowledge that you come from abundance. There is plenty more where that came from. Being bold is the only thing that’s going to take you from struggling to success. Are you passing down an entrepreneurial spirit? Or are you going to whine about all the missed opportunities? Will your kids?

7. An Attitude of Honesty

Are you honest with your family about the finances? Isn’t it amazing that as a parent, you can expect your child to be truthful about why they got in trouble, and yet cheat on your taxes, feeling somehow that you’re entitled? Why is it that we expect our spouse to tell us every little thing that happened at work that day but what’s going on with the checking account is a big mystery? Do you talk about your salary like you talk about that 6-foot fish you almost caught? What’s your money story? And if it’s not a good one, or it doesn’t have a happy ending, what’s the moral of the story for your kids? If the truth shall set you free, how free are you financially?

When you think about the relationship you have with one of your old friends, or the relationship you have with your spouse when things are going really well, what are you doing to make that relationship a success? Of course you’re grateful for the time the two of you spend together. You have a deep respect for that person and you feel a joy when you are with them that always brings you back for more. You are extremely interested in what they’re doing and find their ideas and feelings to be fascinating. You value their ideas and opinions and love knowing they value yours. You are confident that the future of your relationship is going to be even better than the past. And you would never dream of dishonoring that relationship by being anything less than truthful.

If you became friends with your money, would you need to manage it? Growing a relationship with your money is not only key to your own success, but a vital part of teaching your child to reach for their own financial freedom.

Cheryl Hall( MillionaireKids101.com MillionaireKids101.com)has the keys for parents to help their children become financially successful. She has created 3 courses to help children learn how to think about money and start on the road to wealth and independence; Millionaire Kids 101, 201 and Millionaire Masters. Cheryl is a successful real estate investor and has been helping new investors start on their way to financial freedom.

The sport of trampolining reflects man’s age-old desire to defy gravity. The trampoline in its current form (a mat mounted on a steel frame) dates back to the early 1800, if newspaper reports are to be believed, when a circus in London displayed what it called the “trampoline jump.”

Since then, the word trampoline has been used to describe any elastic apparatus that includes jumping over obstacles or vertical jumps. Circuses have used a number of devices to show off aerial and floor somersault activity. George Nissen, the co-creator of the style of trampoline used in competitions, called his bouncing rig a Trampoline, and registered it as a trademark in 1936.

The modern trampoline has emerged in the last 50 years or so from the prototype apparatus built by George Nissen in his garage in 1936. Trampolines were soon introduced by the Air Force, and later by the space agencies to train their pilots and astronauts.

The most modern trampolines are capable of projecting an athlete up to 10 meters high and allowing him to perform triple somersaults with ease.

The sport spread to Europe in the 1950′s, and by 1960′s, many national federations were formed. In 1964, the International Trampoline Federation (FIT) was formed. Today, there are 42 member federations. The first FIT Handbook was introduced in 1983, and in 1987 the FIT News appeared, followed by the FIT Calendar in 1988.

Medical experts say jumping on trampoline is good for your health. Exercising on the trampoline lowers the risk of cardiovascular disease. Studies have shown that those who exercise at least three times a week have a higher bone mineral content.

Many athletes practice on a trampoline to enhance their motor skills and endurance, and to refine their aerial moves in a safe, controlled environment. Skiers, skaters, divers and gymnasts all use the trampoline extensively.

e-trampoline.com Trampolines Info provides detailed information about mini, water, bungee, and exercise trampolines, as well as trampoline sales, repair, parts, and accessories. Trampolines Info is the sister site of e-battingcages.com Batting Cages Web.

Some astute penny stock investors look on the front page of the daily newspaper to see what kinds of stocks they should be investigating in. Marketing and speculation are after all one of the engines that help propel the markets on a daily basis.

Still, there are other penny stock investors who glance at the calendar; taking note of upcoming holidays. Some stocks operate more cyclically than others. Meaning, there are some penny stocks that perform better at different times of the year.

Holidays can also help you look for companies you may not encounter on a regular basis.

For example, this past Wednesday was Valentine’s Day. While your immortal beloved may forgive you for neglecting Robby Burns Day or even St. Patrick’s Day…Valentine’s Day is (probably) a different matter altogether.

Even if you don’t have (or want) someone to spend Valentine’s Day with, it’s a marketing bonanza that should make most investors wake up and smell the roses. And maybe uncover neglected penny stocks that are directly impacted by the holiday.

Valentine’s Day remains the nation’s third-biggest occasion for spending, behind only Christmas and the back-to-school season, according to the National Retail Federation.

This year, the average consumer spent $119.67 on Valentine’s Day, up from $100.89 last year. With six of every 10 consumers celebrating the holiday, their total outlay on Valentine’s Day is expected to reach $16.9 billion.

Greeting card sales have increased over the past decade, which means that Valentine’s Day–already America’s second-largest holiday for greeting cards, trailing only Christmas–should be a real boom.

The U.S. Greeting Cards Association estimates that Americans sent out 190 million paper cards this past Valentine’s Day. That number doesn’t even include those given out by children at school.

If investing in cards leaves you cold, you could look into flowers. According to the California Cut Flower Commission some 189 million rose stems were sold this past Valentine’s Day. In fact, Valentine’s Day is the number one floral market holiday, capturing 35% of holiday transactions and 34% of dollar volume.

Here’s another reason why penny stock investors should check the calendar. The day of the week a holiday falls traditionally determines the amount of business shops will enjoy.

If it falls on Friday and Saturday, people tend to go out to eat more, rather than buy chocolates. Falling on Wednesday this year — smack in the middle of the week — Valentine’s Day 2007 should prove delightful for chocolate emporiums.

In February, jewelry stores in the United States will sell over $2.5 billion worth of merchandise. According to the Chocolate Manufacturers’ Association, more than 36 million heart-shaped boxes of chocolate were sold by Valentine’s Day.

The point of all these statistics is to illustrate just how lucrative the holidays can be. While a couple of greeting card companies may have a strong-hold on the North American market, there are other publicly traded small-cap card companies out there.

A strong holiday season may only be seen as a blip to mid or large-cap stocks, but one strong quarter can significantly boost the bottom line of a penny stock.

Look close enough and you’ll find that there are a number of specialty retail penny stocks waiting to be discovered; companies that sell flowers, cards, party favors, perfume, and jewelry.

And if you happened to have forgotten Valentine’s Day this year, just say that you like to celebrate that special day in the Japanese tradition. In Japan, men are not expected to give chocolates or cards on Valentine’s Day, and in fact do not. Valentine’s Day is a day where women give chocolate to men.

A seasoned investor with a keen interest in international business and current affairs, John Whitefoot has been working alongside Peter Leeds for the last several years. With over ten years experience in the investing community, Whitefoot is devoted to uncovering the news, trends and ideas that shape

Mutual funds are time and again publicized as a valuable mode of investment for small as well as big investors as it lets an investor to take into service an expert to go through a overabundance of constraint for assessing in the middle of the hundreds of stocks and securities listed on stock exchanges. Nevertheless, with loads of mutual funds to select from, the investors are no better off than they were without the mutual funds.

The standard approach is to look at the earlier performance of the fund, the risk linked with the mutual fund etc. the accomplishments of the fund house, services of the fund house, the observance to or the deviation from the objectives of the scheme, if any, etc.
Looking at these factors is important, but there is another viewpoint that requests to be looked at. Every fund manager has a particular style of working, certain ethics, and certain hunger for risk. Some funds are aggressive while some are conservative. Some fund managers believe in taking certain risks, whereas the others would keep away from those. While none of the approaches is wrong, it is up to the investor to decide what go with the fund manager.

Have you ever thought of that how would you decide that the fund manager is taking high risk or not?

You should start with the with equity based funds. Investors can look at some constraint like beta, portfolio turnover, stock or sector concentration, exposure to unlisted stocks, etc. Beta indicates the risk associated with price unpredictability, which fundamentally points toward the improbability regarding the returns that the portfolio would generate in future. The fund managers deliberately take certain risks in order to generate higher returns for the portfolio. Some of the approaches that the fund manager may take up are taking higher contact to certain companies or sectors where they have very high certainty about brighter future.On the other hand, since short term activities of stock prices may not be strongly related to the strengths of the stocks or companies, the short-term risk could go up if the prices do not move favorably. If the concentration is high, the risk goes up even further.

Now, let us consider the debt funds, one needs to look at credit quality of securities, average maturity of the portfolio, exposure to certain kind of sectors or securities, exposure to liquid securities, etc.

The purpose of debt funds is to make available regular income with high safety of the investment. In such cases, if the fund has higher exposure to low quality securities, the investor is open to the elements to higher risk. The quality of the portfolio can be assessed by looking at the credit ratings of the debentures that the fund has invested in.

Liquidity of the investments is a most important reflection especially if the fund in question is an open-end fund. This is applicable for both equity as well as debt funds. Reduced liquidity of the primary instruments may present a good deal to a buyer, but when it comes to selling, the same liquidity may turn against the holder of the stock or debenture. Liquid funds are used to park short-term investments, such that the money is protected at all times and accessible when considered necessary. In such cases, exposure to illiquid securities and credit risk become some of the important factors to look at.

As stated previously, it is significant to learn by heart that in all cases, the fund manager takes a higher risk only with an aim to add to portfolio return. It is very important to understand this relationship between risk and return. Such an understanding allows the investor to weigh the upside and downside with the investment goal and the appetite for risk.

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Owning your own business is the American dream. You can be your own boss and do the work you always wanted to do. So why do some many people believe that their dream should become a nightmare? They may not profess it, but when they start their business with a loan, they have given someone else the ability to dictate their life – the bank.

Debt is a common American practice, so we rarely question the fact that we should take out a loan to achieve our dreams. We want to start big and we want to start now. Like the newly married couples who want to own homes just like mom and dad, we don’t realize that the best thing to do is move up slowly. In both cases, we take out a larger loan than we can afford, and wind up working to pay the bank.

You don’t want a loan for a failing business, and the statistics are already stacked against the small business person. Do you want to open a business that fails and wind up paying for it long after you’ve closed your doors? Of course not!

So how do you start your own business without a loan? Just like you start out in life – small. If you already have a full time job, develop a way to start your business out part time. Find out what people want, what works the best for you. This also gives you an income to eat off of (which may be more important to your family than to you, but I promise, it’s important). Once you are making enough money to live off your business from the part-time work, shift to full-time. Yes, this is slow and involves an insane number of hours, but isn’t it worth it to keep from hating and dreading the business you love?

Once you have the business running smoothly, keep it running smoothly by paying cash and continuing to avoid debt. Rent equipment by the job until you’ve saved up enough to purchase it. Keep your costs at a minimum by not buying things you don’t need. Go slowly and have patience, and you will be more likely to be around several years later.

Patience is difficult for Americans to acquire, especially the small business owner who gets excited and wants to move now. But patience will make your business more likely to grow and prosper, and will decrease your odds of paying on a debt for ten years and kicking yourself each month when you write the bank a check.

Nola Redd writes the members.families.com/scottiegazelle/blog LDS Families blog for Families.com. This article has been submitted in affiliation with Facsimile.Com/ Facsimile.Com/ which is a site for Facsimile.Com/ Fax Machines.

Credit cards are becoming an indispensable part of our lives because of the fact that you do not need to carry cash in wallet anymore. This provides a certain financial security, and especially if you need money in case of any emergency. However, if you have a bad credit history you may be prohibited from getting an unsecured low interest credit card. Unsecured credit cards can be owned by those who have a good credit history, who pay off their monthly payments regularly, and have not had the need for debt relief settlements. Such low interest credit cards aid in effective debt management as well as provide various other discounts or benefits.

If you have good credit ratings and you make sure that do not use your credit card for reasons other than certain unavoidable emergencies then low interest credit cards can help you save the money that you would actually spend in paying off the credit card bills along with their high interest rates. There are various options that you can choose from depending on how much annual fees, APR%, etc. you wish in terms of your credit card.

Consider you require a card with zero annual fees or APR%. Then you may choose from the following:
Discover Platinum also has a preliminary rate of 0%APR and cash back bonus opportunities between 2 and 5%.

Chase Platinum Credit come with no annual fee and 0% APR rate for an introductory period of half a year. They also have some special traveling perks and travel insurance for their customers.
Businessmen who own businesses in which the investment is not too huge, often find it tedious to select the credit card providers who will satiate their needs completely. But now companies like Advanta offer platinum business card with no annual fees, 0% APR on balance transfers and lesser introductory rates for no balance transfer accounts. Apart from all this, Advanta also offers certain travel rewards and cash back schemes similar to Chase Platinum credit card.

However, you must realize that it is imperative for you to thoroughly understand every term and condition of the lender before finalizing on a particular credit card provider because once you sign the contract you cannot back off then. You may also seek help online through the innumerable websites that guide you to the correct lender. There are also Frequently Asked Questions (FAQs) which you can review before choosing the lender. Such additional help should be especially taken in case you have had credit card issues in the past.

Manuel Pereira is the creator of
creditdebtdeals.debtrelief2000.info creditdebtdeals.debtrelief2000.info; a website specialized on
creditdebtdeals.debtrelief2000.info debt consolidation, resources and articles.

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I recently got a great question from a tae kwon do student about fighting.

Here’s what he asked:

“I’m in taekwondo but I would like to know what to do if an opponent was to go low at me and make a dive at my legs, what would be a quick counter attack before he attempts to take me down and after?”

Great question. And the answer is actually pretty simple:

If someone dives in at your legs (a popular attack from someone who understands wrestling and grappling) all you do is bring your knee up into his face.

At best, you’ll knock him out cold. At the very least, you’ll give him a whopping headache or a broken nose. Either way, he’ll be down for the count.

Sounds simple, doesn’t it?

That’s because it IS simple.

And that’s the whole point. In order for a fighting move or tactic to work in the real world, it must be simple.

In other words, if you try to use “fine” motor movements — like applying some kind of joint manipulation or reverse take down — you’re going to be beaten and humiliated.

If you instead use “gross” motor movements — like simply bringing your knee into the guy’s face or pounding the tip of your elbow into the back of his neck — you’ll not only get the job done (regardless of how fast or experienced you are) but you’ll also cause a lot more pain and suffering to your attacker.

I thought this was a great question for two reasons:

1.) It’s very common for someone to try to dive in for your legs in a fight.

2.) And secondly, it proves why, if you want to learn how to take care of yourself in a real fight, you need to know the difference between street-fighting self defense
and tournament-based self defense like tae kwon do.

I am not against learning the tournament based martial arts, but when it comes to surviving a real fight, you need to know those types of arts will only do so much to help you out. Especially if you’re dealing with someone who is armed or if you are dealing with multiple opponents.

Sifu Matt Numrich is one of only a few people in the world with Full Certification in Bruce Lee’s Jeet Kune Do and the Filipino Martial Arts. He’s been published in Black Belt Magazine and his students include US Air Marshal instructors, the US Navy, and dozens of local, state, and federal law enforcement agents. For a jkdondvd.com free lesson on how to win brutal street-fights go to: jkdondvd.com jkdondvd.com

Availing personal loan is the most common and popular way to meet your requirements in life. We all wish for a comfortable life, but due to lack of resources we kill our desires. Personal loan is specially designed for people who have desires but no mean.

Personal loan helps you buy all those which were earlier out of your reach. There is no specific reason needed to seek it. You can also use it for commercial purpose as well. Due to its several benefits lot of people are now turning to personal loan.

You do not have to be certified in tennis instructing in order to get a job as a tennis coach or teacher. However, it is certainly not a bad idea. If you are teaching at a smaller institution, or perhaps only random lessons here and there, you may think of getting an official certification for instructing tennis. Especially if you aspire to coach or teach in the future and want to land the best job and achieve the most success possible – consider the possibility that you can further your career with a piece of paper. Many of the more elite clubs pride themselves in having all certified staff members, so sometimes to get the best job – you may have to take those extra steps.

When you are a certified tennis instructor, not only do you have the advantage of the certificate – but those of the process of getting the certificate in your hands. The process will not take too long, depending on the program you choose, of course. You will be required to attend workshops on how to teach tennis. You will learn how to help students think their way through the technique. In addition, your own skill will be markedly improved. You will receive liability insurance – which can help in the future, if the need ever arises. Most tennis clubs who require certified instructors do this for the purpose of liability. It makes sense. You will also receive special instructional videos, books, dvds, and more. No one else has access to these materials, and they are assets to mastering the perfect tennis techniques learning from these books will guarantee that you are able to teach perfect form without confusion.

Sometimes, teaching tennis lessons just comes natural to people. Often, these more skilled and especially talented tennis players are people who have had great tennis instructors as well. The more you know, that is, the more you can focus on the game and the technique – the more you can teach others how to master the game. You will, as a certified instructor, also receive magazines exclusive to those with a certification in the profession of tennis. You will also receive discount tennis merchandise – as a matter of fact, once you are hired, you will probably receive free (or virtually free) tennis equipment from the establishment that hires you.

The very best advantage of being certified as an educated, professional tennis instructor is that you will have the eligibility to compete in various tournaments. These tournaments are designed for people just like you as well. There will not be a huge variety of skill levels to deal with. Certified instructors compete against each other in these competitions – therefore, you will be able to battle some of the very best. In addition, other instructors will be excluded unless they are certified members for professional, high quality tennis instruction.

Anne Clarke writes numerous articles for websites on gardening, parenting, fashion, and home decor. Her background includes teaching, gardening, and fashion. For more of her articles on tennis, please visit e-tennis.org, supplier of high quality

So you think that you know what your credit card is charging you huh? Are you aware of all the lengths credit card companies go to to keep people from noticing all of their hidden fees? You need to watch your credit card statements closely or you might end up spending a lot of money on these fees that you did not even know were there. Believe you me, these fees can add up to a whole lot of extra cash over the years.

The following fees are some of the most common, let’s see what they are and what we can do to avoid them.

Grace Periods

Did you know that not all credit cards come with grace periods? Many people don’t. It is just assumed that all cards have a certain amount of time before interest begins to be charged on your purchases, usually about a month. Nope, not all have grace periods and many of the ones that do have shortened them to around 20 days. Since most people don’t even know this they have been paying interest without even being aware of it. Grace periods are becoming a thing of the past, you had better find out how they are affecting your credit card and payments.

If your card issuer has eliminated or severely shortened your grace period you might want to think about getting a new and better card. There are still some good ones out there, they are just a little harder to find.

Interest Rates

Credit card companies love to pay with people’s interest rates. If you are so much as late on your payment one time they can hike your rate up. And the thing is it can be late on any payment. Most things that require payments will find their way onto your credit report and once your credit card company sees it, even if it is not related to them, they can raise your limit.

Late Fees

Do you know what late fees charge you? Most people don’t and reading the contract you signed years ago will not help you either. Late fees have doubled in recent years and since many people still don’t know about the shortened grace periods, wow, these lenders are making money hand over fist.

One way you can try to keep late fees down is to send in your payment as soon as you get your bill each month. Being late with your credit card payments is something that you want to avoid at all cost. First off you don’t want to have to pay late fees, second it damages your credit report. You want to always keep your credit rating in the best shape possible.

Martin Lukac, represents RateEmpire.com RateEmpire.com, a finance web-company specializing in real estate/mortgage market. We specialize in daily updates, rate predictions, mortgage rates and more. Find low home loan mortgage interest rates from hundreds of mortgage companies! Visit RateEmpire.com RateEmpire.com today.