Simple Ways to Manage Family Finances

Financial problems are common in young families, especially in the first years of life housekeeping. Not to mention the little soon present among you and your partner. Really the problem is of a large-size family income?

Often the problem is not a lack of income, but a wrong habit of managing money,

Some of the keys to managing finances is simple:
1. Understand your family’s financial portfolio. Lest you do not know the contents of the savings, the amount of electricity bills, telephone, car service, shopping, doctor’s office and other costs. You should know how much credit card debt, bank loan or mortgage and car.
2. Arrange financial plan or budget. Realistic financial plan to help you be objective about excessive spending. No need is too ideal, so forget your own needs. No harm include the need to go to a salon, spa or clubbing. Importantly, a realistic budget amount and you must comply with the budget.
3. Think more carefully understanding between “need” and “want”. Quite often we spend money on things that do not matter or just driven desire, not a need. Make a list in the form of a table that consists of columns for the items, needs and desires. After filling the column items, and fill the “needs” and “wants” with a check mark (V). From here consider a more mature, objects or things you need to buy / fill or not.
4. Avoid debt. The temptation to live in the greater consumption. But that does not mean you easily purchase various items on credit. Grow a healthy financial habits start from the simple, such as having no consumer debt.
5. Minimizing consumptive spending. Meet old friends to exchange ideas in the cafe sometimes necessary, but it does not mean you have to do it on every Friday afternoon. You can use these expenses to save money or to meet other needs.
6. Set goals or financial goals. Arrange financial goals you want to achieve on a regular basis, as a couple. Set specific, realistic, measurable and within a certain time. The purpose is to help you better focus financial design. For example, aspire to have international standard of preschool education funds, and so on.
7. Saving, saving, saving. Change the habits and mindset. Immediately after receiving salary, set aside for savings in the amount you want to have the purpose or goal of your family financially. Instead, you have a separate account for savings and daily needs.
8. Invest! Of course you will not be satisfied with just waiting savings soar. And your goals for the family “exorbitant”. This is the time to also think about investing. Now form all kinds. The fear of the investment risk?! No need to worry, you just need to learn to master. Consult your finances with a reliable financial expert!

Experiments When lovemaking Try a New Position 6 Favorite Men

After being married for many years and have sex dozens or even hundreds of times, sex can be a monotonous activity. Want to add spice that sex with her husband more heat? There are two ways you can do according to sex experts Timaree Schmit, Ph.D.

“To maintain a ‘bang-bang’, the key is only two; experimentation and creativity,” said the founder of the Human Sexuality Education Student Organization that.
One of the experiments that can be done as a couple is to try following these six sex positions. Six positions are discussed below AskMen, favored the men.

1. Doggy Leg Lift
Men like sex with doggy style position. To add a new experience, try to vary the position. When you do this, lift one of your legs and ask him to hold it. It seems tough and like acrobatics, but believe husband would love it. That’s because with the position, the couple can penetrate deeper. He’s testicles will also be in contact with your clitoris.

2. Missionary With Pillows
The missionary position is never boring even if you do have sex with every partner. But this time give a little seasoning when making position. When you lie down, bend your legs. Then add a few pillows under your buttocks. This method not only makes the he can penetrate deeper, but also can stimulate the clitoris more awesome. That position also allows you and your partner reach orgasm together.

3. Split Spoon
Spooning position makes her feel special. That’s because when the he hugged from behind, you feel very protective and loving partner Anda.Tak only that, the spooning position, he can be a touch more freely throughout your body. The position also allows him to do some maneuvers with ease.

To further create a ‘hot’ sex positions, you can tilt the body slightly so that the pair could touch the chest area more easily. Lifting one leg also allows him to penetrate deeper.

4. Reverse Cowgirl Squat
Most positions require a man to make love to actively penetrate. But with the cowgirl position or better known as the woman-on-top, the women have to actively while men just need to lie down. To undertake this position, women need extra energy. When having sex with a cowgirl position, you will use your thigh muscles to support the body while in the pair and move up and down.

5. Standing
One of the positions that could be done to keep the blood flow to the penis is a sex standing. Therefore, men like to have sex with this position because it is easier for him to maintain his erection. Making love in a standing position could make him more durable during lovemaking. Want to add a little variety, try asking him carry you.

6. 69 + 1
When discussing the position of 69, you would have understood if it was oral sex. Want to try a new way of enjoying this position? Try another lie on her side. The position is to make you and your partner easier to experiment. Like for example, be more easily perform oral motions likes. The he also be able to freely perform various tricks to stimulate you.

Investment Mutual Funds and Gold Still Cloudy Year

Entering the beginning of 2013, for those of you who intend to start a new course, learn to invest wondering, what is the appropriate investment baskets this year. Financial planners assess, investment funds and precious metals will still be brilliant in this water snake.

CEO & Chief Financial Planner ZAP Finance Pritchard Hapsari Ghozie reveal a person needs to have an investment for his future needs. A good investment is a good investment in accordance with the relevant person’s dream. However, the investment instrument must be adjusted to the financial condition of each.

“Suppose someone who will invest the fund for two years, in contrast to investment instruments with people who will invest the fund for 10
years. Financial conditions also need to be seen, “said Pritchard

Pritchard had any recommendations for those who are just starting investment. For ordinary investors, Pritchard suggests, it is good to pay attention to several investment instruments such as mutual funds, precious metals and savings.

According to Pritchard, the investment in stock mutual funds in particular have proven the value of the yield (return) is advantageous. In 2012 alone, he said, the fund yield is much higher than the benchmark, even surpassing Composite Stock Price Index (CSPI), which is only 12% through the numbers. While equity funds can yield up to 30% through the numbers.

In addition, the precious metal was also judged to have an advantage that is promising. Unlike mutual funds whose assets are controlled by the investment manager, for precious metals is the opposite.

“Assets held our own. We are in control,” he said.

To that end, Pritchard predicts, investing in precious metals this year will still be bright. “Last year
Precious metals gain an average of 9% through the numbers, but the precious metal profits not per year but for a matter of 3 years, so gold (precious metals) is still good, “he said.

As for savings, he explained, the investor needs to have an emergency fund in the middle of the road if they need funds unexpectedly. “It is necessary lest amid sudden need of money, rather than having to dilute investments, better capture of savings,” he said.

Splashy gold luster

Within a week’s hoopla happening everywhere (in the public and the media) about the bulging gold investment said. And again for disadvantaged communities.

There are many similar schemes on offer from gold investment boom of a scene in the last 2-3 years. Starting from gardening gold until the last one is to buy gold at a higher price than the market price.

Some people may be confused by the scheme. The simple explanation is that some companies offering to sell gold at prices 25-30% above market price. Then we were promised would receive a minimum return of 2.5% per month or the equivalent of 30% per year. This makes a lot of people interested.

What actually happens is, the money is returned to us in the form of the actual monthly yaaa our money too. Even that is never explained is where the difference in 25-30% of these funds and used for what?

It certainly managed by companies that raise funds. In other words, investors actually “borrowed” the funds to the company to be twisted around, on the pretext of underlying assets such as gold bullion, which is already a right of investors who purchased the premium price.

Now, the question on “play” Where’s the money? It may be traded to the stock market, or indeed made play forex buy gold futures contract. That was never explained to investors is the risk of the transactions of the fund.

Society is seduced by the promise of physical gold as a great investment plus the return. And when the transaction is stalled alias or loss can not be played, then the blur is the owner of this company.

Genesis-Abal Abal investment can provide a lot of feedback for us all. There are several conclusions that we can draw are:
1. Educate the public about financial products and investment is still less so
2. Our society is still much to dream of sudden wealth, a result
3. Society does not “alert” and quickly seduced by the lure of “interest” or for very high yields
4. Weak laws on investment and fundraising, outside of which is set up now
5. Weak regulation and supervision beyond that already exist, because the regulator overseeing its scope of work as stated in the law, outside of it goes into the realm of common law (criminal fraud)
6. And many other PR

So, as long as those things above are not solved, then get ready every year there will be a new fraud schemes and different modes. So … as said Bang Napi …. Beware.

At Menopause, More Women Should Beware of Diabetes

Everyone should keep their blood sugar levels at a safe level to avoid diabetes. But, you have to be increasingly vigilant when entering the menopause, apparently because shifting hormones affect blood sugar levels.

Levels of the hormones estrogen and progesterone are experiencing a shift when a woman experiences menopause, can affect the sensitivity of cells to insulin. So that menopause symptoms can worsen blood sugar and make it less predictable.

A woman’s ovaries produce three different types of estrogen every month along with the menstrual cycle. When you are menstruating, levels of estrogen produced by the ovaries begins to decline.

Estrogens have a protective effect on the function of pancreatic cells and prevent premature cell death. Meanwhile, the pancreatic cells may also serve to increase production of insulin when required by certain conditions, such as diabetes.

The decrease of estrogen appears to cause pancreatic cells become resistant to insulin, thus worsening blood glucose levels circulating in the body. Insulin resistance causes no trouble cells absorb glucose from the bloodstream so that blood glucose levels are higher.

This can lead to diabetes complications over time. If you are taking medication to control blood sugar, either orally or by injection, take it regularly. It is important to monitor blood sugar levels to remain consistent during menopause.

Therefore, you have to be more vigilant with respect to lifestyle behaviors that support healthy blood sugar levels, such as exercise, stress management and healthy eating picky. Blood sugar can be maintained either through a healthy diet and consistent exercise every day.

Breast Cancer Patients Eat Yogurt, Cheese or Ice Cream Dying Fast

Once convicted of cancer, one must be smart to choose a lifestyle and food to be consumed. Because some certain foods may increase the risk of severity of illness or even death. Just as that found a new study from the U.S..

This study reveals that women who develop breast cancer are advised to stay away from high-fat dairy products such as cheese, yogurt, butter and ice cream various flavors because these foods increase the risk of the patient’s death.

Having studied 1893 women with breast cancer, it is known that patients who on average consume at least one serving of high-fat dairy products per day 49 percent higher risk of dying from the disease compared to diidapnya that breast cancer patients who only consume little or no dairy products once.

“The increased risk of death is still relatively ‘low’. But because there is so difficult to reduce the consumption of high-fat dairy products, I guess if you had breast cancer then the effort is certainly not in vain,” said research team leader of Emperor Permanente Candyce Kroenke .

According to researchers, the total intake of dairy products does not affect the condition of a woman who had been diagnosed with invasive breast cancer stage 1, 2 or 3A. But if it is consumed dairy products high in fat such as milk and products derived from pure milk such as cheese and ice cream the difference will be evident.

Not only that, breast cancer patients who ate one serving of high-fat dairy products or more in a day are also more at risk of dying from the disease by 64 percent. Moreover, high-fat diet has long been associated with cardiovascular disease.

From there, researchers suspect the problem may lie in the estrogen contained in the milk. This hormone has long been known to cause several types of breast cancer. Moreover, when compared with the consumption of unsaturated fats, apparently in the presence of estrogen in high-fat dairy products, the risk of death in breast cancer patients appear higher.

Children who are Always Avoided from Vulnerable Fear Anxiety Disorder

Naturally, for parents to protect their children from the fear of such a thing as darkness, thunder, or a stranger. But prevent children from frightening situations can make a child is likely to have an anxiety disorder later in life.

According to new findings from the Mayo Clinic published in March in the journal Behavior Therapy, researchers confirmed that children who have always avoided the situation scary thought, would be more likely to develop anxiety disorders.

The study was done by measuring the level of anxiety about the more than 800 children aged 7 to 18 years. Researchers also conducted a survey of parents and their children if the child develops avoidance behaviors.

Most of the children answer the questions investigators with a statement like, “I avoid the things that make me scared” and “I ask parents and people around me to keep me from the scary stuff”.

Researchers conducted follow-up assessments back about a year later and found that children who always avoid the things that frightened him more likely to have a clinical anxiety disorders.

“Long-term behavior may be able to avoid dangerous because it makes the kids can not learn that the situation may not be as bad as they think,” says Stephen Whiteside, a child psychologist at the Mayo Clinic, who led the study, as reported by the Global and Mail, Saturday ( 16.03.2013).

It can make children unable to learn to handle challenging situations and make him feel anxious. Despite the fear, anxiety, and shame are normal, anxiety can be a nuisance in performing normal daily activities.

Whiteside estimates that only 30 percent of children with anxiety are getting help. A recent survey conducted by the Toronto District School Board showed that adolescents with anxiety disorders, are more worried about the future.

More than half said that such concerns cause him trouble sleeping and almost one in three survey participants said the feeling of wanting to cry. Whiteside noted that such children need cognitive behavioral therapy, which focuses on the reduction in avoidance behavior, which is an effective intervention for anxiety.

This therapy works by exposing kids to things that frightened and gradually help to face his fears. If a child is afraid of dogs, for example, the therapist might bring dogs into therapy sessions and slowly encourage children to spend time with her.

In the Mayo Clinic study later, 25 children with anxiety disorders were asked to follow 7 sessions of cognitive behavioral therapy for 7 to 9 weeks. At the end of the study period, a score of their aversion to things that scare him dropped by half.