Archive for March 20th, 2008

Five Ways to Add More Time to Your Day

Thursday, March 20th, 2008

Have you ever met someone who seemed to have an incredible ability to maximize their time? Someone who seemed like they had 36 hours in their day? Are they super human? Or, have they figured out a secret way to add hours to their day? By making a few small changes in your daily routine, you too can begin to feel like you’ve added more time to every day. Here are a few ways to get started.

1) Prioritize

To begin the process of adding more time to your day, you will want to ask yourself a few important questions. 1) What are my real priorities for the day or the week? 2) Where does my time go now? 3) Is my time currently being spent on the priorities I’ve listed at number one? 4) What is really important for me to accomplish and what is just busy work? 5) Finally, where do I really want my time to go?

2) Schedule Important Events

After you’ve answered these questions for yourself, it can be very helpful to schedule important events or activities that are a priority for you. For example, when are you going to fit in four workouts this week? When will be the best time to finish the important deadline at work? Without writing down when you are going to work on something, often we push those tasks to the wayside.

3) Minimize Distractions

Too often when we are preparing to complete a project, small and large distractions tend to take us off course. It can be as simple as the temptation to check our email, co-workers stopping by to talk, or answering the phone. Try to create a space where you can minimize your distractions. Close your office door for 30 minutes. Send all your messages to voice mail, or plan on checking your email three set times a day.

4) Energize

Sometimes a feeling of low energy can zap us of any desire to get projects done. There are a few simple things you can do to add a little liveliness to your day.

1) Take a look at what time of day you work best. Are you a morning person or an evening person? Capitalize on your best work times.

2) Don’t forget to eat breakfast. “Eating breakfast of any kind prevent(s) many of the adverse effects of fasting,” such as irritability and fatigue, according to Bonnie Spring, Ph.D. , University of Health Sciences/Chicago Medical School.

3) Add a little exercise to your day. If you aren’t one to exercise for 20-30 minutes a day, getting up to stretch or simply adding a 10-15 minute walk during your day may give you that boost you need.

4) Don’t forget to drink more water. Many studies have shown that simply being dehydrated can cause tiredness and dull critical thinking abilities.

5) Ask for Help

Asking for help can come in many forms. Sometimes it’s easy to overlook how a task can be divided up or delegated to other co-workers or members of the family. Another strategy can be to hire help. Maybe budgeting a little extra money for a babysitter or a cleaning service could be well worth your money depending on the value of your time.

You will be able to create the extra time you need by simply following these five steps. You will be the one that your friends stand in awe of as you make more room in your day!

About Carrie:

Carrie Silver-Stock, MSW, LCSW is a personal and professional life coach.

Life coaching is designed to improve professional or personal lives, create life balance, help you achieve your goals, successfully make career transitions, and address fitness issues. For more information, visit http://www.livinghappyandhealthy.com

Why My Troubled-Teenaged Daughter Reminds me of Hurricane Katrina

Thursday, March 20th, 2008

Dealing with my troubled-teen is like trying to survive a hurricane!

No disrespect to the survivors and victims of Hurricane Katrina. My heart goes out to you, but right now, from where I’m sitting a hurricane is a very fitting metaphor to describe dealing with my adolescent daughter whose gone wild.

Just like a hurricane, my troubled-daughter’s poor decision-making flies in unexpectedly, yanking up the family foundation, and along with it, our hopes and dreams, sending her mother and I whirling about, caught up in her savage-winds.

Am I being a bit over-the-top?

Nope.

I’m sure any of you who are dealing with troubled teens can feel my pain. Those of you who might be in the eye of storm right now, trust me, you’re not alone. This bud’s for you. And to those of you who’ve never experienced life raising a troubled-teen; consider yourselves fortunate, very fortunate.

When I’m feeling more reasonable and less dramatically, I see my sweet daughter as a New Orleans resident without transportation. She’s engulfed in this raging hurricane inside herself. The hurricane is life threatening. The hurricane’s name is adolescence and it has a mind of its own.

I feel like Mayor Nagin.

I have limited power. I’m imperfect. I fear for my daughter’s safety, but honestly, I don’t have the resources to do everything I need to do to save her from this inner-hurricane. Where’s the federal assistance? Get FEMA on the line! Get the President, the National Guard; somebody! Buses? Who’s going to drive them? My wife and I are busy trying to fix the levee!

My mother is like all the knowledgeable-scientist’s who predicted the impending disaster. She saw it coming. She knew about the levee’s not being strong enough. She warned us. I can still see my mother shaking her head slowly as my wife chased after our sweet little princess who’d raced away on her tiny legs across the living room, hiding beneath a footstool with a remote control in her mouth full of slobber and toddler cooties.


“Come here Jazza Wazza….give it to mommy”
“No, mine”
“Jazza Wazza Snazza Pazzza, let mommy have it”
“No, mine. Mine, mine,…… mine”

Isn’t she cute?

That’s when my mother made that face. You parents know the face I’m talking about. The face of despair sprinkled with a touch of I told you so? It’s a scary face, but being a new parent you’re too dumb to grasp the full meaning of the face. If I’d known the truth behind my mother’s sullen face I would’ve grabbed my wife and ran away from home leaving that cute-pie toddler/future troubled-teen right there.

“You’re going to have your hands full Tim! She’s going to be a tough one”.

This is where I hold my mother partly responsible. A hand full isn’t a strong enough term to describe a parent attempting to employ damage control in a troubled-teens life. A hand full sounds like a slight irritation. Holding it only requires two hands which aren’t that hard to do because, I actually have two hands.
Now, if my mother had said :

“You’re going to be in for the fight of your lives!”

…then I would have listened.

I wonder how the scientist reported the problems with the levee. Did they speak in obscure scientist mumbo-jumbo academia speak? You know,

“…based on the longitude minus the latitude times the photosynthesis of the gravitational pull of the torrential winds collectively impacting the nougat density of the steel coupling coupled with the fragmentation of the incendiary Lake Pontchartrain downpours, and isolated occurrences converted into kilometers and miles per hour taking in account for the airborne reconnaissance, high-resolution ground-surface geophysics…you’ll have your hands full”.

After hearing that synopsis it’s possible Mayor Nagin thought like my wife and I,

“oh is that all? A handful isn’t too much to deal with. We’ll be fine”.

If the scientist and my mother were a bit more “obvious” with their diagnosis, I’m sure at least in my case, different actions would’ve been taken.

Imagine the scientist saying this:

“Almost Everyone and Almost Everything that’s in this Section of New Orleans will be GONE!!”

Short, yet highly effective. Who could ignore that type of warning?

That’s what I’d call a forecast. And just like the Mayor, or the Governor of New Orleans, My wife and I did the best we could; we crossed our fingers.

So much for finger crossing.

Our daughter is now in therapy. She has a mentor, a family therapist and a personal therapist. Last year she missed 50 days of school, this year so far she’s missed about 15.

“Well at least she’s making progress….” says the therapist.

Unbelievable, but in our world of dealing with a child who skipped 50 days last year and only 15 this year, this is actually considered progress.

“Oh, she’s not a bad kid. She just makes very bad decisions”, at least that’s what her therapist says.

When I was a teenager you were either bad or good. The good kids went to school, didn’t smoke or drink and made their curfews most of the time. The bad kids cut school, smoked cigarettes, drank cheap liquor, hung-out with other bad kids, and were eventually kicked out of the house until they learned to play by the rules. Today you can’t just kick your kids out. You must send them to therapy where they can sit around and blame you for their actions. These troubled-teenagers have it good don’t they?

Therapy?

A belt and no dinner was my therapy.

This brings me to another new concept: Troubled-Teen. What exactly is a troubled-teen? How about we make up a new term, call it troubled parents. Come on people, who’s really in trouble, the parent or the teenager? I’d say the parents, because we’re the ones who are stuck dealing with the troublesome-teen. Troublesome-teens will throw your entire family into a swirling, whirling hurricane of frustration and then cry themselves to sleep as if they’re the victim.

Luckily for us, we’ve taken actions to help our daughter deal with her personal Katrina or adolescence. This is adolescence and no one said it would be easy. As with most teenagers, the biggest obstacle is controlling her associations. The friends your child spends time with are usually the main source of the problem. No one likes doing bad things alone. In one session I recall my daughter saying to the therapist:

“I wish my parents were more like Sonya’s parents”
“Why”
“Sonya’s parents let her smoke and drink as long as she doesn’t do it in the house, that’s why!”
“You do understand that a parent who lets a child drink and smoke drugs doesn’t care about that child?”
“….I guess.”

Needless to say we’ve taken steps to eliminate Sonya from our daughter’s life. I don’t blame Sonya. I blame her parents, not for having a troubled-teenager, but for giving up.

Life with a troubled-teen travels quickly from “Peaceful” to “Chaos” to “Rebuilding” and then back to “Peaceful” again. Currently, we’re in the rebuilding stage. Trust has been all but destroyed. My wife and I are doing the right things, at least that’s what the mentor and therapists say. Most importantly, we haven’t given up on our daughter. There are tiny moments where our cutie-pie princess appears from within this trouble-causing teenager. The tiny signs of life from the daughter we used to know magically replenishes us with the extra incentive we need to muddle through the setbacks and frustration.

I love my troubled-teen. I want her to enjoy a bright-future. I want her to persevere through her adolescent years and go on to accomplish many great things, but in the end, her survival is her decision. With eyes of tears today she says she regrets skipping her English classes to visit the mall with friends. She says she wants to have a promising future. I guess I’m a pushover, because I still believe in her. What choice do I have? Giving up on our little jazza-wazza doesn’t seem like an option we can live with. As her parents we’ll helplessly wait until her dreams and her actions coincide, and in the interim, we’ll continue to drop supplies and keep a helicopter running on stand-by.

Timothy Crawford - EzineArticles Expert Author

Timothy Crawford is an inspirational association event speaker who tailors his programs specifically for his audiences. Find out more about this creative, engaging inspirational - motivational speaker at his official website.(http://www.timothycrawford.com)

The Email Marketer’s Three Best Friends

Thursday, March 20th, 2008

Whether you are an experienced ezine/newsletter editor or
a newbie trying to build a mailing list, there is one
thing you all must strive for. That one thing is a
professional looking end product.

How many emails have you received that have so many
spelling errors in them that you simply can’t take them
seriously and delete the
email.

How about the email that starts off Ok but you get to the
third line and it runs on to the right, seemingly to
infinity. BOOM…

Delete It

Even if you are care full about both of the above, you
still have to watch out for the dreaded SPAM filters.
Almost every email client has them and if you send an
email with one of thier filtered words, BAM…
there goes your email, right into the Bulk or Junk
folder, never to be read by anyone. Even if they have
subscribed to your list, unless they have whitelisted
your “from” address you can still wind up in the junkpile.

OK, you started out wanting to send a simple email to
your list about a new offer and now it would seem that it
will take over an hour just to be sure you don’t look
like an illiterate or have your email wind up in the junk
folder.

This is where your three best friends come to the rescue.

They are Spellcheck, SpamCheck and Formatit

I publish several newsletter and ezines, plus a few
thousand mailing lists, (yes, I said a few thousand) and
about 98% of my mailings get through to the recipients,
have correct spelling and they are formatted to the readers
email box.

After I write anything I plan to send by email I use three
simple, free online tools to insure this and it takes me
no more than than five minutes.

Here is how I accomplish this.

I write my email or article, such as this one, in notepad
and the first place I go is http://www.spellcheck.net/

Once there, I copy and paste my entire email into their
online spellchecker and I immediately get back a report
not only showing me the misspelled words but offering
suggestions for changes. Keep in mind that this program
doesn’t recognize certain words such as email, ezines,
spam, etc. But as long as you know this and ignore these
suggestions you will be OK.

I make the required changes using their online tool and,
voila!, my email has correct spelling and it only took a
couple of minutes, faster once you get used to it.
I can now copy this text back into my notepad and save
the changes.

My next step is to SpamCheck it so that it will get past
the filters. I go to http://spamcheck.sitesell.com/ and
use their online SpamChecker. I use the same procedure as
before. I copy my entire text and paste it into the
online tool and click submit.

This will return a TOTAL SPAM SCORE and explain how it
arrived at that score and what the scores mean. I can
then make any simple changes required and I’m done.
Time, about a minute and a half.

OK, I now have an email with correct spelling that should
get through all but the most stringent filters. The next
task is to format it to fit my readers email account.

While every email client is different, almost any one of
them should be able to read an email that is formatted to
58 characters per line, including spaces.

That is where my Mailing List Manager seems to work best.
So now I go to http://www.formatit.com/

Basically the same procedure. I copy and paste my entire
email copy into it and enter my desired column width.
Click submit and there you have it. A professional
quality email that is ready to promote my products.

At the last minute, after proofreading this article, I
decided to add one more item. That item is Proofreading.

While I am a big fan of using swipe files for blurbs and
bits of info and copying those into my work, I always
carefully proofread the finished product.

I have been seeing a lot of several common mistakes that I
would like to warn you about.

The most common is people using the word “loose” when
they mean “lose”
Example: “You won’t loose money on this deal”. While I
try not to lose any money the only money I have that is
loose is my loose change :-)

The next would be the use of “aloud” when they mean
“allowed”.
Example: “You aren’t aloud to import any email addresses
into this mailer”.
Hmmm.. Is it allowed if I do it quietly?

Last, but not least, is the use of “coarse” instead of
“course”
Example: “Click here to get a Free Marketing Coarse”.
Sounds pretty rough and hairy to me.

While there is much more to writing professional email
copy, if you use these simple, free tools you will be
well on your way to becoming a successful email
marketer. I hope this information has been helpful to you.

And I didn’t even ask you to subscribe to my “Free Coarse”

© 2006 Barry G. Swenson

Barry G. Swenson has been making a living online since
1997. He is currently the editor of Email Solutionz
eZine http://www.email-solutionz.net/ He can be reached for comment or questions at editor@email-solutionz.net.

Investing During Retirement To Maintain The Good Life

Thursday, March 20th, 2008

Investing during retirement is different than investing for retirement. In investing during retirement seniors need to weigh and measure several different factors to assure that their money last for all necessities, and if they want to leave some money to your children or grandchildren.

A senior citizens retirement nest egg must be well thought out and closely monitored.

1. Life expectancy
Calculate what you feel your life expectancy is considering how long your parents lived and your current health status is.

2. Inflation rate
Know what the current rate of inflation is and what the continuing rate of inflation will be. This will chip away at your fixed income.

3. Taxes
Know how much you will have to pay in taxes and how your income will be taxed. This is the largest expense you will have if you are subject to income and homeowners tax.

4. Health Cost
Know if your health cost will be covered, and if not, how much will you have to pay toward your health cost? Will you be covered by Medicare or a private health insurance, and what will your out-of-pocket cost be.

5. Low risk investing
What are the best low risk investments you can put your money into for safety and convenience. Be careful, some retirees loose their entire nest egg because some slick financial advisor talks them into a so-called high interest investment, which is also high risk investment. Investing is over during retirement. All investments should be very low risk income investing. If you don’t understand investments, put your money in savings accounts or money market accounts.

6. Rent or own home
Will you rent during retirement or live in a house that is paid for but has yearly taxes, electrical, water, and maintenance cost. Sometimes it is better to sell your home, live off the proceeds and rent a low income senior apartment, which can also be a safer place to live.

7. Debts paid off
Will you have all of your debts paid off. This can save you mountains of money in unnecessary interest charges, which are very costly.

8. Retirement recreation
What do you want to do during retirement? Are you content to stay home and garden, sew, cook, and talk with other retired neighbors? Or do you want to travel. You need to figure the amount it will cost you to travel or practice hobbies.

9. Education and trust
Educate yourself about your investments and the retirement income you will receive. Know exactly how much you have coming, how much you can get on a monthly basis, and how long you can make it last considering all of the above.

Don’t trust strangers to advise you about your retirement money unless you have first educated yourself and verified that they, and their business is honest. Again, many seniors loose their nest egg to dishonest businesses and/or their dishonest advisors.

Lois Center-Shabazz is the author of the personal finance book, Let’s Get Financial Savvy! ISBN#0971979502, and the founder of http://www.Msfinancialsavvy.com