by BENJAMIN EHINGER
With gas prices causing every single item out there to have a higher price tag it is important for all of us to understand how to create a budget the right way. You need to be able to put together a budget for any situation so that you know you can get through tough times that might be ahead with the economic predictions that are out there. Here are some helpful tips to set up your budget.
First, spend a full month writing down each and every penny you spend. At the end of the month total everything up and categorize it. This will give you a good picture as to where your money is going. You can use this as a guideline to make cut backs in areas that you don't need to be spending as much in and you will also have a very solid estimate as to what everything costs you in a months time.
Next, make sure you save each month for license fees, christmas spending, and other expenses that might not be monthly. By saving for these each month you will not have to worry about coming up with extra money when they come around. Plus it is not much when you break it down. If your license fees are $120 a year, then you just need to budget for $10 a month. That should be pretty easy.
Last, make sure you leave yourself some entertainment money so you can have a reward for following your budget. This could be used to take your family or wife out or just for something you want if you are not married and don't have children. You have to be realistic and give yourself enough to have the fun you know you are going to want to have, but don't take up a large portion of your budget with your entertainment.
Use these tips along with your own common sense to set yourself up a budget to follow. You should also include saving each month and a category for unexpected expenses so when that car repair comes around you are prepared for it. Now you have some of the secretes to how to create a budget the right way.
Selasa, 28 Oktober 2008
Selasa, 21 Oktober 2008
Storytelling Will Never Be the Same - Tips & Benefits to Reading to Your Child
By Mark Ludwig
There are many obvious and some less obvious benefits to reading to your child. Start early and experience the following:
Closeness with Your Child. Perhaps the most important benefit is the time you will spend together. Sitting on your lap, your child will have a sense of security. Interacting together with the story creates closeness with your child.
Preparedness for School. When we read, think about all the language and vocabulary our children are being exposed to PRIOR to starting kindergarten. The single biggest indicator for academic success in kindergarten is the number of vocabulary words a child enters with. In other words, it is not what they learn during the year, it's what they already know as they start kindergarten. There is a direct correlation between success and vocabulary. The greater the vocabulary, the greater the success.
How should I read to my child? Books should be held so that your child can see the words and the pictures. Point to the story as you read it so your child knows that words are read from left to right. Make your voice interesting and read short, simple sentences. Read nursery rhymes so that your child learns that some words sound the same, that talking has a steady beat, and that words are fun. Change your tone of voice, use low and high pitch, use squeaking sounds, whistles and other mouth noises. Stories with "noises" work especially well like "roar" and "buzz", "meow", etc.
Interact with Your Nursery Decor. Stories that incorporate the room decor work best. This allows you to further interact with the story as the pages come to life on the walls of their room. Involve your child in the reading. Have them point to the characters. If you décor incorporates the books, point to them on the wall as well.
Start Early Reading to Your Child. The U.S. Department of Education recommends beginning to read to your baby when he or she is six months old. According to a 2003 report, "Hearing words over and over helps babies become familiar with them. Reading to your baby is one of the best ways to help he or she learn."
Article Source: http://EzineArticles.com/?expert=Mark_Ludwig
There are many obvious and some less obvious benefits to reading to your child. Start early and experience the following:
Closeness with Your Child. Perhaps the most important benefit is the time you will spend together. Sitting on your lap, your child will have a sense of security. Interacting together with the story creates closeness with your child.
Preparedness for School. When we read, think about all the language and vocabulary our children are being exposed to PRIOR to starting kindergarten. The single biggest indicator for academic success in kindergarten is the number of vocabulary words a child enters with. In other words, it is not what they learn during the year, it's what they already know as they start kindergarten. There is a direct correlation between success and vocabulary. The greater the vocabulary, the greater the success.
How should I read to my child? Books should be held so that your child can see the words and the pictures. Point to the story as you read it so your child knows that words are read from left to right. Make your voice interesting and read short, simple sentences. Read nursery rhymes so that your child learns that some words sound the same, that talking has a steady beat, and that words are fun. Change your tone of voice, use low and high pitch, use squeaking sounds, whistles and other mouth noises. Stories with "noises" work especially well like "roar" and "buzz", "meow", etc.
Interact with Your Nursery Decor. Stories that incorporate the room decor work best. This allows you to further interact with the story as the pages come to life on the walls of their room. Involve your child in the reading. Have them point to the characters. If you décor incorporates the books, point to them on the wall as well.
Start Early Reading to Your Child. The U.S. Department of Education recommends beginning to read to your baby when he or she is six months old. According to a 2003 report, "Hearing words over and over helps babies become familiar with them. Reading to your baby is one of the best ways to help he or she learn."
Article Source: http://EzineArticles.com/?expert=Mark_Ludwig
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