Archive for the ‘Uncategorized’ Category

Elementary School Teachers, Counselors, and Career Education

Saturday, February 11th, 2012

As teachers and counselors, you know that the elementary school years are important. During the elementary school years, your students build visions of what they desire to do in their lives as they contribute to the workforce. With your help, your students remain open to new career ideas and possibilities. As you work with your students, your students do not make premature career choices or career preparations. For your students, elementary school is a time to build awareness.

As elementary school teachers and counselors, you use career education to promote self-worth, skill development, and decision making strategies. Your activities are designed to build self, family, school, community, and career awareness. You use age-appropriate materials that match your students’ developmental levels. These activities expose your students to a variety of different jobs, career information sources, and the reasons why people work.

When you prepare to develop age-appropriate materials products, tests and tools, you use career models like the National Career Development Guidelines (NCDG). The National Career Development Guidelines (NCDG) have domains, goals, and indicators. Each domain represents a developmental area. Under each domain, there are goals or competencies. For each goal, indicators highlight the knowledge and skills needed to achieve the goal. The National Career Development Guidelines (NCDG) prepares you to make materials that are suitable for your students.

As a elementary school counselors and teachers, you create individual career plans and portfolios. Individual career plans (ICP) -

  • Develop self-awareness
  • Identify initial career goals and educational plans
  • Increase employability and decision making skills

Individual career portfolios summarize career awareness activities and experiences that occur during the school year. In addition to individual career plans and portfolios, you use a variety of resources -

    Career days

  • Career fairs
  • Community speakers
  • Field trips
  • Information interviewing
  • Literary works
  • Mentors
  • Collages, murals
  • Educational games
  • Job shadowing
  • Dramatic presentations

All of the career activities and tools combine academic work with career pathways. Career activities serve as foundations for future skills. As teachers and counselors, you help students build connections between academics and real life situations. You use career education activities to stress the importance of language arts, mathematics, social studies, and science.

You show students that Language Arts have many uses in the work force:

  • Reading
  • Writing
  • Listening skills

You provide examples that show how people solve problems when they use Mathematics. Different types of Mathematics include:

  • Addition
  • Subtraction
  • Multiplication
  • Division

In Social Studies, your students learn how skills that are necessary to be successful in the global marketplace. In Social Studies, your students learn about -

  • Countries
  • Languages
  • Cultures

Your students learn the importance of Science gaining skills to solve problems. You show your students how applications of Science are used in different industries, such as -

  • Food
  • Media
  • Agriculture
  • Automotive industry

The connections between academics and real life situations reinforce, develop, and expand previously learned skills. In summary, as a elementary school teachers and counselors, you help students:

  • Know and value self
  • Build self-esteem and confidence
  • Learn and apply the academic material
  • Identify interests and build relationships between the school environment and the work force
  • Build academic, communication, problem solving, and social skills
  • Increase awareness of the need for future jobs skills
  • See the connections between learning in school, academic skills, job related skills, and careers
  • See career possibilities
  • See themselves as a future contributor to the job force
  • Receive empowerment
  • Build self-determination

As counselors and teachers, you build self-awareness, family awareness, school awareness, community awareness, career/ work awareness, attitude development, skill development, decision making strategies, and self-worth. You use age-appropriate materials that match the developmental levels of the students. Examples of activities include individual career plans (ICP), individual career portfolios, career days, career fairs, field trips, information interviewing, and library book reports.

After completing career education activities, your students are prone to get higher grades, academic achievement, school involvement, and interpersonal skills. In addition, your students are more adept to complete more complex courses and have higher graduation rates from high school. As your students get older, they will achieve their career visions and goals.

References

1. American Counseling Association, Office of Public Policy and Legislation. (2007). Effectiveness of School Counseling. Alexandria, VA: Author.

2. Angel, N. Faye; Mooney, Marianne. (1996, December). Work-in-Progress: Career and Work Education for Elementary Students. (ED404516). Cincinnati, OH: Paper presented at the American Vocational Association Convention.

3. Benning, Cathleen; Bergt, Richard; Sausaman, Pamela. (2003, May). Improving Student Awareness of Careers through a Variety of Strategies. Thesis: Action Research Project. (ED481018). Chicago, Illinois: Saint Xavier University.

4. Career Tec. (2000). K-12 Career Awareness & Development Sequence [with Appendices, Executive and Implementation Guide]. (ED450219) .Springfield, Il: Author.

5. Carey, John. (2003, January). What are the Expected Benefits Associated with Implementing a Comprehensive Guidance Program. School counseling Research Brief 1.1. Amherst, MA: Fredrickson Center for School Counseling Outcome Research.

6. Dare, Donna E.; Maddy-Bernstein, Carolyn. (1999, September). Career Guidance Resource Guide for Elementary and Middle/Junior High School Educators. (ED434216). Berkeley, CA: National Center for Research in Vocational Education.

7. DuVall, Patricia. (1995).Let’s Get Serious about Career Education for Elementary Students. AACE Bonus Briefs. (ED386603). Hermosa Beach, CA: AACE Bonus Briefs.

8. Ediger, Marlow. (2000, July). Vocational Education in the Elementary School. (ED442979) Opinion Papers

9. Gerver, Miriam, Shanley, Judy, O Cummings, Mindee. (2/14/02). Answering the Question EMSTAC Extra Elementary and Middle Schools. Washington, DC: Technical Assistance Center, (EMSTAC).

10. Hurley, Dan, Ed.; Thorp, Jim, Ed. (2002, May). Decisions without Direction: Career Guidance and Decision-Making among American Youth. (ED465895). Grand Rapids, Michigan: Ferris State University Career Institute for Education and Workforce Development.

11. Maddy-Bernstein, Carolyn; Dare, Donna E. (1997,December).Career Guidance for Elementary and Middle School Students. Office of Student Services Brief, v9 n1. (ED415353). Berkeley, CA: National Center for Research in Vocational Education.

12. Ohio Department of Education, Division of Vocational and Career Education, Ohio Career Development Blueprint, Individual Career Plan, K to 5 (ED449322). Columbus, Ohio, 2000

13. Splete, Howard; Stewart, Amy. (1990). Competency-Based Career Development Strategies and the National Career Development Guidelines. Information Series No. 345. (ED327739). Columbus, Ohio: ERIC Clearinghouse on Education and Training for Employment & Ohio State University

14. U.S. Department of Education Office of Vocational and Adult Education. (1994, 2004). National Career Development Guidelines (NCDG). Washington, DC: Author.

15. Williams, Jean A., Ed. (1999, January). Elementary Career Awareness Guide: A Resource for Elementary School Counselors and Teachers. (ED445293). Raleigh, NC: NC Department of Public Instruction, NC Job Ready.

16. Woal, S. Theodore. (1995). Career Education–The Early Years. AACE Bonus Briefs. (ED386603). Hermosa Beach, CA: AACE Bonus Briefs.

About this Author

Dr Mary Askew specializes in career tests, websites, and books for students. Get information about Holland Code Resources at http://www.hollandcodes.com Contact Dr. Askew at learning4life@qwest.net

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Dining Out and Staying Healthy

Saturday, February 11th, 2012

These days a lot of people are overweight. One of the reasons for this is the fact that so many people are dining out so often. Restaurant meals tend to have a lot larger servings than those you eat at home, and they tend to be a lot more calories dense. This means people tend to eat too much, which is not good for their waistlines. However, if you make this a special treat there is no reason why you can’t stay healthy and still eat out from time to time.

One thing to do is choose restaurants that tend to serve healthier food when you are dining out. Restaurants that serve food that isn’t fried, as well as plenty of soup and salad options, tend to be better than those that focus on fast food or very rich food. You want to have a number of healthy choices available to you so that you aren’t so tempted to choose an unhealthy meal. Many restaurants now have their menus posted on the internet (sometimes even with calorie counts) so you can choose a healthy option ahead of time. This is a good strategy.

Another way to eat more healthily when dining out is to automatically pack up half of your meal to take it away so that you don’t overeat. You can also choose to order an appetizer as your main dish as these portions are typically smaller. Minimizing the total amount of food you are eating is the goal. This means you might want to avoid the bread basket that some restaurants put on the table.

Eating a broth based soup or a salad (with minimal dressing) at the start of the meal can help to fill you up so you are less tempted to pig out on large amounts of appetizers or main dishes. Another good strategy is to put your silverware down in between bites so that you can eat more slowly.

There is nothing wrong with indulging yourself and having a small treat when you are dining out. However, you don’t want to ruin your diet by eating everything indulgent at once. Maybe one time you can share a dessert with a friend, and another time you can have an alcoholic beverage or split an appetizer that is a bit high calorie with a friend. If you eat the bread, you don’t want to have a drink and dessert as well.

About this Author

For dining out guide, visit JP Pepperdine now.

Feel free to publish this article on your website, or send it to your friends, as long as you keep the resource box and the content of the article intact.

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How to Discover Your True Career Passion, and Make a Flawless Midlife Career Change

Friday, February 3rd, 2012

I worked at a Profession that was a Family Tradition my entire working career.

I started out working after class got out, every day through High School, while a Teen.

After that, I went to College during the Mid – Seventies.

  • Through the years, I was simply too caught up making a living to realize what else I would enjoy doing.
  • The money and benefits were good, so I stuck with it until I retired.
  • I have always had an interest in Psychology and Writing.
  • There was this prevailing Feeling within, constantly reminding me to follow my Heart and choose a different Profession.
  • I never knew what that would be, until recently.
  • Do any of the above Ring true for You?
  • I decided that if I were to do a Midlife Career Change, my Career Choice would have to be one that not only inspired me, but could be worked at directly from home.

I was able to take an early retirement at age 55. I desperately wanted a change in career. I was searching for something I would have a passion for doing. I wanted to do something on the Internet, but did not know what I wanted to do, or how to go about doing it.

I searched and searched, and ended up confused and completely frustrated with the information overload I absorbed from the Web.

I recalled all those Career Assessment Tests I took way back in College. I remember one test told me I had the personality traits of a Bus Driver and College Professor. Interesting… I had forgotten what the other tests told me about me.

I was looking for something I could do on the internet as a business. I went to various Career Test Websites and took some of their practice tests to see what my aptitudes were.

I did not come up with any suggestions I favored. These Tests were free tests I took, but each one told me something different about myself. There did not seem to be any consistencies I could recognize.

So, maybe you want a Second Career too. But, This time around, you want to do something you are Passionate about. Why do it any other way – Especially, if you did not like your previous profession that much? You do not want to choose something to do you will not like doing again, right? You want to Love doing it this time. Now is your chance to do it right.

Maybe you are a bit UNSURE about what it is you would fit into as a brand new career. No problem. There are Career Assessment Tests you can take that can help you. There are also Free Tests, but you have to be careful. If they are not researched and Scientifically validated tests, the test results may not be as reliable as you would like.

You could end up choosing the wrong education and training for a career you really don’t have the interest or aptitude for. The Test may say you are more of an Artist type, when in fact you love Public Speaking and are an Extrovert. This potential Career Mismatch could mean a lot of wasted time, effort, money and one big disappointment and heartache.

Teens looking for their first job, and someone making a Midlife Career Change may have something in common. They may be both unsure about what it is their passion resides in. If you are middle aged, you have an advantage, that you at least have had a career or two under your belt. A teen may not have even been employed once.

If you already know what your passion is, fine. But, if you do not, you will have to search yourself for it. Discovering Mine came late. But, Better late than never. Find your passion and Verify it through the Sounding Board of a Career Test. This will Make Certain you have the Career Aptitude and Working Personality for doing the Career Choice you have in mind. You can always receive training and the schooling to fit your passion and make it into a Career Reality.

You Do Have Options…

  • Find out what you Love to do or are Passionate about, be it a Hobby or any Special Interest.
  • Then take a couple Career Aptitude and Personality Assessments to reality check the possibility of turning it into a Career.
  • Study the list of compatible careers in the printable read out which they will give you after you take the Career Test.
  • If the tests you take are Scientifically Validated and Reliable tests, the suggestions and results from the various tests will collectively parallel each other.
  • In other words, you will start to hear the same things ringing true about your skills, abilities and interests over and over, as they pertain to certain repeated Career Recommendations.
  • Do the research about what the Job Duties are for your Dream Job, and judge for yourself if you are going to like to do them or not.
  • Visit and talk to those people within those jobs. Get it first hand from those who know the best.
  • Weigh all outward Data received against your inner Personal Core Values.
  • Know How much all the training costs, where it is and how long it will take to complete.
  • Figure out how you are going to put your plan together. Make a strategy with small doable goal steps to pull the entire plan into one big clear picture.
  • Will you work at your old job and train for the another in your spare time? It has been done, and it still can be. You can do it if you make it one of your personal priority career goals.
  • You can also create a budget plan, if times will be on the lean side while financing your new career training.

To Change Careers or Not

You don not have to make a Mid Life Career Change at all. You do not have to do anything but what you want to do. You can keep things just the way they are. It’s your life, live it your way. Chances are that if you are here now, you want another career.

But, You do have options. All we need to do is examine them. The most important thing to do is to examine you and question how you feel about you, your life, the world and where it is you think you want to fit.

What things do you want out of life at this point? You could have made a name for yourself in your last career and made your money, raised a family and now you wonder what to do next?

You may not even need to work. Maybe you want to work and find that last career that represents who you are. You want a career change for what it will mean to you. You seek meaningful employment more than the money.

Chances are that you continue to need the extra income, but either want to retire or quit what you’ve been doing for the last 20 or so years because you have had enough of it and it’s time to move on. Maybe you want a part time job. Maybe you don’t even know exactly what you want, but you want to explore and see if there is anything out there for you or not.

So, Why even Change Careers to begin with?

Is it because Your Job is Not YOU anymore?

In other words, has what you value in a job changed?

Did you choose your profession a long time ago, and the job became a career mismatch?

Maybe the job doesn’t do it for you anymore. Maybe it’s a boring, not challenging, tedious, energy draining job, etc.

Maybe there Is there no single reason other than you simply want a change. That’s OK. Maybe you are just tired of doing the same thing for over twenty years. This is OK.

You could be going through a Midlife Crisis where you are beginning to question a few things about your past and present life.

Statistics show that it is not uncommon for people change careers at least three times in their working years.

Why not change careers, what’s the problem?

It’s not like you are Married to it, right? There are similarities though, like familiarity, security and predictability. You know what you have to deal with on a daily basis and there are usually no surprises. On second thought, Maybe in a way, we have become Married to our Jobs. But the question is, is it a happy or unhappy Job Marriage?

There is a lot to making a Midlife Career Transition happen. It’s harder adjusting and doing everything related to changing your career than when you were young. Everything is harder now. Maybe you don’t even feel as good as you did and do not have the energy you had. That’s probably why some don’t do it. The new Career takes researching, job interviews, training, returning to school, or possibly working part time in your newly chosen field to see if you like it or not. You may even be worried about age discrimination, finances for training and living expenses. It takes a lot of effort and energy. Maybe you would rather not. All this is even making me tired.

Nevertheless, How do you take an inventory of YOU if you would like to make a Career Change in Midlife, but are afraid to do so. Start Thinking about those skills or jobs you like doing. Also, think about those jobs or duties that you don’t like to do so you know what to avoid. What Hobbies or special interests draw out the passion in you. Who says you can’t turn a hobby into a full time job? Did you have any part time jobs you liked in the past? You can even go so far as to try to remember what it was you wanted to do when you were a kid – A Doctor, a Lawyer?

If you are over 55, you have to admit that some professions are probably unattainable, because you don’t have enough time left to live. You may not want to go to school again for another ten or so years and then build up your business or practice through time – Which is another story in itself.

Thankfully, There are Careers in between – Some that require technical school training, or certification. These Careers don’t take near as long to master. Again, it depends on what you are willing to do in order to get the new career you want. It is never too late to go to school for ten years if you want to, and it is your life to spend any way you wish.

  • Remember – The older you get, the wiser you have to be about where and how you spend your remaining years.

I am sure someone has decided to become a Doctor or a Lawyer when he was 55 and then began his education. Maybe by 65 he had served his internship and residence and got his degree and started his practice in his own home town. It’s possible.

The question to ask yourself is this – If you really want to do something, and it takes four or more years to get there and you do not start to do it now, where will You be in four years? You guessed it, you will be right where you are right now. And, You will be wondering why you did not do it, and may regret not doing it, because you would have been done with the training and starting in the career by now.

But, if you look back and are glad you did not do it because you changed your mind about it in the meantime, then passing it up was a good thing.

If you would love to do a certain occupation, why not start training for it? What else are you doing that is better? Will you Stay in a Soul Killing Job that you are in presently, or making an attempt to get out of it through training for something else? Isn’t it better to train for something new that you’ll love rather than keep the same Status?

As long as you are alive, you have a Future.

Questions to ask Yourself

  • Are you a people person, or would you rather work with things?
  • Do you like working with Statistics and Data?
  • Do like to Lead? Do you like instructing others, or Teaching?
  • Are you a natural born Salesman?
  • Are you mechanical? Do you like working with your hands? Fixing things?
  • Are You Artistic?
  • Do you like working outside?

Can You See You in the Job Picture?

Thinking about those things you like to do and the conditions you prefer on the job can determine what Career Choice is best for what you are made of. Only you can know what it is you like. If you do not already know, you can find it out through taking a Career Assessment Test and choose from a list of Career Choices the Test recommends. Matter of fact, taking the test is part of being able to set career goals and plan for your new career.

Be open to new ideas from any source. I personally like to look through Mother Earth News Magazine for business and career ideas. I like reading about the do it yourself stuff on a farm, and articles on going solar. So, Pick up your favorite magazine and page through it and check out the local classifieds for business opportunities, or even employment. These are all potential Career Choices.

Investigate what it is you are interested in and passionate about. Even if you don’t know what that is, investigate anyway. You will eventually find your Dream.

You have been focusing on the Money factor most, if not all your previous career and life. But From Now on, try focusing on the Fun Factor. Look to a new Career for the enjoyment of it, not the money. You may have needed more money before, because you had a family to support. Now, it may be somewhat different financially.

If you do what you love, you will be willing to work harder at it that much longer each day. It will still seem like work, but there will be a distinct difference. It will be work you love to do. You will not have to be dishonest with yourself and cover up your distaste for a job you hate doing anymore. You may already know what working hard at a job you hate brings into your life.

This way, if you are hard working and (most importantly) true to yourself and to your own happiness, the money will come later because of all your loving toil and diligence. Think about the concept of making money at something that is fun to do – Would that not be nice doing just that?

What you love attracts the same positive vibes and material conditions, what you hate brings Negativity. Stop doing what you dislike, it will never bring Success to you nor to anyone who depends upon you. There is no Success without Fulfillment.

Why not start to Be who you want to be, and do what you want to do. If you already have not done this, Try Thinking how you want to think. Not how you think others want you to. And, start doing those duties and activities that bring you the joy and the passion you’ve always wanted. The focus has always been on hard work. Change the focus to enjoyable work. Would it not be great if you focused on who you wanted to be and acted that out instead of focusing on deadlines based on money and people you would rather not be around?

When you find and do what you love, you will come across like minded people…You will have something in common with and be surrounded by Your own kind.

Deadlines are dead. You are alive. Change your scene. Change your life. Change your mindset. Don’t let someone else define YOU. You define YOU from now on. Who do you want to be? You can be that person, you know…Only if it is true to being YOU and to who you are.

The Occupational Outlook Handbook by the US Dept. of Labor is filled with hundreds, if not thousands of Careers. Learn about each one you are interested in. More than that, seek those Career Opportunities that make you feel Passionate. Would it not be great to be so restless at night that you could not wait to get up in the morning to go to work? Well, maybe we don’t want that much excitement, do we? Maybe, maybe not. At least not right away. But, you can grow into it slowly and start liking it.

We sleep a third of our lives, and work a third of our lives. With so much time preparing for work, should not work be a Pleasure instead of a dreaded chore?

After you take a Career Assessment Test and have your Career Choices in hand and have made your choice, then it is time to put a plan together. This means where the education is located, how long it takes to complete the program, how you are going to pay for it, putting together a resume, practicing up with your job interviewing skills, possibly a part time job in your chosen profession, goals and steps to achieve the same, etc.

A way to bypass job interviews and resumes etc., is to become self employed and Work from the comfort of your own home. This is the golden opportunity for those who are Midlife Career Changers. You are older, wiser, mature and solid in those things you want. And you can still find yourself through the right second and possibly last career. You may have the savings to put you through the necessary training for that work at home job.

There are many legitimate work from home businesses to choose from. There are franchises and there is also your own knowledge of a business you have already been in that you could turn into your own. Sometimes, being your own Boss can be the key to the experience of job happiness.

You may have all the responsibility, but you can still call all the shots your way. Well, realistically not everything will be your way, but you will have much greater latitude in making business decisions without having to answer to someone.

Probably one of the most important aspects of Mid life Career Change is having a plan. Equal to that is support from family and friends. They need to be behind you on this one. Without support, you will be hard pressed to make anything happen. Sell everyone on what you are about to do. Put your finances in order. Sell your plan to them. Get the right feedback you need. Make them feel good about what you are about to do. Calm their fears while Dealing with your own.

It takes time to put a Plan of Action together. A Career Guidance Counselor can help. He/She can guide you by suggesting Career Tests and even help you plan for the education, and assist you with your own job placement.

Steve Humphreys

http://www.career-test-for-teens.com

Key to ideal career discovery is self-knowledge. Find, develop, and plan your career choice with our self-help resources. Teens, career changers, or job searchers will find helpful advice and articles about career tests, resumes, interviews, and more. Let us help you find your dream career on your journey.

Free ebook http://www.career-test-for-teens.com/career_ebooks_download.html

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How Celebrity is Celebrity

Wednesday, February 1st, 2012

What really makes a celebrity a true celebrity? Is it the news coverage? The pursuit of tabloids? Perhaps sheer popularity is what drives us to call movie stars, musicians, and politicians celebrities. If that is the case, are the non-traditional stars celebrities as well?

In order to find a satisfactory answer to this dilemma, one must look for a celebrity index. CelebrityContest.net has developed an algorithm to assign a value to a celebrity, much as stocks are assigned a monetary value in order for site visitors or members to build celebrity portfolio. The algorithm takes into consideration the amount and timing of news items pertaining to celebrities as well as the popularity of the celebrity as a portion of online portfolios. But does this adequately measure the amount of celebrity status an individual has achieved?

Celebrity

To determine this, we need to consider what celebrity actually means. The American Heritage Dictionary defines celebrity as “a famous person,” or “renown, fame.” That definition is very broad indeed. To be renown is to simply be well-known. Osama Bin Laden is well-known, but does not necessarily have the same following as Jessica Alba. By this definition, however, they are both celebrities.

Thus, to be a celebrity, one must be either famous or infamous, and the distinction is not relevant. By this same token, individuals who have developed a following in unconventional ways such as the internet or reality programming are certainly celebrities as well – albeit some have more global coverage than others. So to measure the amount of celebrity an individual has obtained, one would simply need to measure his or her popularity.

Measuring Popularity

Before the information age, to measure popularity would involve countless newspaper and magazine searches. Print resources as well as television and radio contained any and all celebrity news and gossip. With the advent of the internet, this changed, of course. In present times, the internet has not only opened countless doors to those aspiring to stardom, but has developed a multitude of news and gossip outlets as well.

Most of the conventional media outlets – magazines, newspapers, radio, and television have developed an online presence. Often these websites contain more information pertaining to celebrities than the original medium. Those interested in entertainment news now have almost countless methods to find the information they seek.

The fastest way to find information online, however, is through the search engines. Major search engines index all web pages and online news items as they are developed, and offer users a chance to hone in on the desired material. Searching for celebrities will pull up thousands, if not millions, of relevant results. It follows that by simply counting the number of searches and articles for each celebrity, one could understand the popularity of that individual.

Celebrity Contest

It seems the algorithm developed by CelebrityContest.net holds true. The algorithm assigns value to a celebrity based on the number and age of news items and searches, which is the best indicator of popularity. Of course, the algorithm also includes results from CelebrityContest.net, which are a valid indicator as well.

If a celebrity is popular, he or she will be included in many portfolios. If he is becoming blasé, he will be dropped from portfolios in favor of more popular individuals. If a celebrity is looking for a gauge of her own value, she can perform a complicated web analysis, or simply track her price changes on CelebrityContest.net to understand how her fan base is feeling. Of course, fans can search for the value of their favorite celebrity, and even cash in on the details only devoted fans are privy to – insider trading if you will.

celebrity. (n.d.). The American Heritage® Dictionary of the English Language, Fourth Edition. Retrieved October 29, 2006, from Dictionary.com website: http://dictionary.reference.com/browse/celebrity

For additional gossip, news, and the opportunity to buy and sell the most popular celebrities in the world today, visit CelebrityContest.net [http://celebritycontest.net]

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Secured Car Loan – if Car Signifies a Second Home to You

Saturday, January 28th, 2012

Cars – they are your passion, necessity, luxury, earning member. They have speed, they have music, they have curves, they have comfort, they have security, they have safety – they have something for everyone. Secured car loans can realize your car plans especially if your budget is stringent. Secured car loans options are stretched far and wide along the loan market. Buying a used car or a new car can be a pleasant ride with secured car loans.

According to National Statistics’ annual research, more people in Britain have more than two cars rather than no car at all. With such a transformation in the present condition the need for cars has become a precondition. To find a secured car loans is as easy as it is tricky. With such a huge pile of secured car loans alternative, you might want to pick the one that shines the brightest. But all that glitters is not gold. It is very true with secured car loans. They may look all attractive and advertised with 0% APR the bottom line is, it still may not prove to be your secured car loan type.

Secured car loan would mean you need to pledge your home or your property as an assurance. Having prepared yourself for that, you are all set to hear the good news. Secured car loans are in fact very easily available to homeowners. Secured car loans are a great opportunity to finance a car on your own terms. Am I getting too loud with my claims of the goodwill of secured car loans? You need to hear this. Secured car loans are flexible enough to mould in the financial requirement of any kind of loan borrower. With secured car loans you can get into your car and make your first payment after thirty days.

Getting a good secured car loan can save your money to a great extent. Sort out the car you would like to buy and how much it would cost you. This will enable you to figure out how much you need for your secured car loan. After you have set your budget you can go on to see the top secured car loan site. You can ask for a free quote and compare secured car loan rates online.

Secured car loans are a better option than car dealership. Car dealership may seem convenient round the clock service. They will be charging you more for your car finance. It is important to learn about your credit score before you go ahead with your secured car loans. Your credit report or your credit history would have important information about your payment history, mortgages, loans, inquiries from business when you have requested for loan, public records and collection information. Bad credit score would not prevent you from getting secured car loan, though it would increase the interest rate. Some loan lenders specially deal with cases of secured car loan with bad credit. Screen them and work out with them in case you have bad credit.

Car loans are considered precarious as loan types for car loans are for a possession that loses its value easily. Research, browse, study – you would certainly find a secured car loan deal. They are so many options. Read the fine print. Many of the additional costs are hidden in the fine print. Don’t accept secured car loans on impulse. Otherwise ask questions. Clear your doubts especially about monthly management fees, ongoing bank fees, redemption penalties, is the loan daily reducible, extra payments of any amount to be made, and at any time.

Secured car loans are short term loans ranging from 36 to 72 months. According to Automobile finance Study, 82% of the new vehicle loans are over four years while 31% of them are over five years. When you agree to more than 72 car payments, it means that you are overburdening your monthly budget. Car is a possession which depreciates rapidly so in case you intend to sell it, it is not a good idea to sell a car which already has a loan on it. Secured car loans are to be paid back even though you are driving the car you bought through them.

Secured car loans are celebrated for many reasons. Secured car loans mean better car and lesser payments. You are pledging your home or valuable asset and in return on it you get benefits in the likes of lower interest rate, flexible loan terms, varied repayment options so on and so forth. Secured car loan can also be bought with car insurance to protect against misfortune like illness or job loss. I know this car is special and you have been waiting for it for so long. But let us be a little practical and take an objective view while taking car loan. We can write our car legend when we own one. Till then let us write the specification of taking a secured car loan.

After having herself gone through the ordeal of loan borrowing, Natasha Anderson understands the need for good quality loan advice. Her articles endeavor to provide you the wise counsel in the most elementary way for the benefit of the readers. She hopes that this will help them to locate the loan that beseems their expectations. She works for the UK secured loan web site uk finance world.

To find a Secured or unsecured loan that best suits your needs visit http://www.ukfinanceworld.co.uk

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Are Team Sports Right for Your Special Needs Child?

Wednesday, January 25th, 2012

Although all kids are different, I will share with you my views on sports and kids with special needs.

If your child is having difficulties socially in school, you may be tempted to sign him or her up for basketball or soccer with the other kids.

You know your child better than anyone. Just be sure that you’re setting your child up for a positive, rather than a negative experience.

The things I have heard from Coaches about kids on their team would make you spit nails.

“Oh, he’s an awful player. He’s got some kind of disorder or something.”

“I hope he doesn’t sign up next year.”

And, the parents in the stands are just as bad.

“What is wrong with that kid?!”

“Put him on the bench.”

And, that was all heard in reference to kids in the regular 3rd – 6th grade classes. I know. It made me sick, too.

Now, I’m not at all saying that team sports should be avoided. Just make sure you know who will be coaching your child, and make sure that he or she is someone who you want in charge of your child’s self-esteem for the next few months.

There ARE wonderful coaches. Coaches who understand the impact they have upon children and make sure that it is positive. And, of course, there are special camps and organization with coaches trained in encouraging and training special needs kids.

However, if team sports are not your child’s strong suit and he or she gets very stressed or has that “lost” look while participating, then here are some alternatives:

Camping as a family

Going on Long Walks with You

Bike Riding (go on bike trails if you are concerned about safety)

Playing Tag

Swimming

Going to the Park (just being a kid!)

Karate (again, make sure the people in charge of the facility are warm, loving, patient people, before signing on the dotted line)

Each of these activities will help strengthen your child physically and give him or her the benefits of self-confidence as well.

Yes, all kids need to be physically active, but at what cost? Surely not at the cost of feeling like they aren’t good enough. Don’t feel pressured into pushing your child into a team sport that may do more harm than good.

Alexa Simmons invites you on her journey to learn about Asperger’s Syndrome. Visit http://www.aspergerresources.com – where you’ll find a growing collection of information to help you and the child you love. For activities to spend time with your child, she recommends http://www.ShowKidstheFun.com

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