How to Choose the Right Accounting Audit Software for Your Business

Audit professional should take his time and review available software solutions solutions on the market. Comparison, research helps, but I what I would suggest is checking testimonial section of each software provider homepages. Check if there are big companies listed among clients, what sort of services they provide. That helps to understand if solution you are willing to buy is worth it.Another great strategy is before you decide what tools to buy, or should you purchase new version of your current software, go to LinkedIn. Yes it is professional social community, where business representatives communicate with each other, share their thoughts, opinions and ideas. But, have you heard how powerful are GROUPS there. Probably not, people are not usually sharing that. In Linked in groups you can find excellent professionals that may really help you with advice or feedback regarding software you are interested in or searching for. Simply find a group for accountants, auditors or network administrators and Post a question about what tools people are using or ask to give you a feedback on any specific audit software product. I bet, in the next 3 hours, you will receive the most professional recommendations that will help you to save your budget and decide the most functional software tools.

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Another great way to get professional advice and recommendation is CPA forums. You probably heard about these communities, simply Google it and you ll find a lot of them in the first 10 search results. Usually they all have threads regarding audit software. Post a new thread asking for advice or follow the discussion. Usually these communities are small, but you will not find beginners there, it’s highly professional audience that is ready to help.

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By following these simple rules you will not waste money and time on useless audit software that don’t have enough functionality to keep your work efficient.

Beauty and Botox – Face Forward Tips for 2006!

Did you know that BOTOX injections are one of the most popular procedures in cosmetic surgery today? In fact, Botox injections far out number breast augmentation and rhinoplasty (cosmetic surgery on the nose), as the most preferred aesthetic surgical procedure?As you may agree, in western culture attractiveness is closely wedded to youthfulness. The appearance of wrinkles on the face is a source of anxiety for millions of women and men.The search for a miracle drug to help us appear younger presently fuels a multi-billion dollar beauty and cosmetic industry.The related industries of weight loss and health are just as robust. There is stiff competition between beauty companies constantly trying to sell youth and beauty in a jar.If you have the money you can opt for the more invasive (and ostensibly more effective) procedures to help you look younger. This where BOTOX followed by its more permanent cousin, plastic surgery may fit the bill.A nutritious and balanced diet, accompanied by a rigorous exercise regimen can make your body look years younger. Unfortunately there’s no such workout to tighten your face.Your face starts reflecting the passage of time the soonest, and most visibly. Studies indicate wrinkles appear on our skin as early as the age of 27.

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If it is our face, which betrays our age the first, no wonder it the focus of so much anxiety. This is why we want age-defying intervention.BOTOX, as of now, appears to be the answer to some people’s prayers. Younger and firmer looks seem to be just a few small injections away.BOTOX is actually short for Botulinum Toxin Type A. It is a highly toxic substance and one of its milder side effects is food poisoning.It is actually a protein complex, which is produced by the bacteria Clostridium botulinum. What is used in cosmetic surgery is an injectible form of this toxin.This form of the toxin is purportedly sterilized and purified.Some consider BOTOX a poison. They feel this way because it is injected in small doses under the skin. It is reported to work by deadening the underlying muscle, preventing any further movement and thus smoothening out the skin.BOTOX is said to interfere between muscle and nerve interaction. Some feel small doses of this chemical effectively prevent the release of acetylcholine by the nerve cells.This neuro-chemical transfers signals to muscles, determining their contraction and relaxation. When injected into selected muscles, BOTOX stops them from contracting.Therefore, any present frown lines are ironed away. In fact, within a week they become almost invisible.In the April of the year 2002, the FDA approved the use of BOTOX injections as a treatment for the reduction of frown lines. Since then, it has come to be regarded as the fastest growing anti-aging cure in the country.Keep in mind that the FDA cautions against using Botox more than once in 3 months. Also it recommends that the lowest possible effective dose to be used in a session.There are other, more permanent, options available – if you are inclined towards cosmetic surgery. Procedures like an eyelid tuck (blepharoplasty) and a bow lift (also called a forehead lift) last about 30 to 90 minutes.They are outpatient operations, so you can leave for home the same day. Another option is the face lift (or rhytidectomy) – a slightly longer operation which can go on for 2 to 4 hours.Patients are advised to stay overnight at the clinic. Although none of these procedures can reduce wrinkles, they very distinctly tighten up a sagging face by literally cutting away any extra bits of facial skin. The recovery period can last from 7 days to a month depending upon the extent of the operation.

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However, at the end of it you may be rewarded with a much younger and firmer facial appearance.Given the risks associated with Botox facial treatments like Rejuvinol(TM) deserve a serious look. We have heard that Rejuvinol(TM) available from Amazon and www.BODeStore.com is a product that uses helps give a younger appearance by appearing to smoothing out wrinkles. It’s makers say that it contains the universally recognized Argireline® from Lipotec S.A. The active ingredient in Argireline® is acetyl hexapeptide 3 (AH3), a deep penetrating, powerful amino peptide that helps to relax the intensity and frequency of facial muscle contractions. It just may be a less expensive and invasive way to put your best face forward.Kamau Austin is a health and fitness enthusiast and advocate.He writes on a regular basis on timeless health and fitness tips at the Fit After Forty Blog. See more useful health and fitness news and tips at… http://www.healthandfitnessvitality.com/blogs/fitnessblog.htm

Flavor Pairings: Why Grow Herbs For Cooking, Cocktails, And Culinary Crafts

I remember my first herb class on growing herbs for culinary and creative crafts. I left that annual herb sale with young fragrant plants, with just enough knowledge to be dangerous wielding a trowel, and a perpetual enthusiasm that all contributed to help me form my first edible garden oasis.After a trip to Home Depot, I was armed with shiny silver tools, bags of potting soil to house my foliage friends, fertilizer to make them grow, and the inner drive to begin digging my way to becoming a green thumb farmer girl!Now, 20 years later, it’s hard to imagine my kitchen without a bunch of basil on the counter, herbs drying on racks, and jars of dried oregano and chocolate mint within easy reach at each meal. From summer’s juicy ripe berries, peaches, and tomatoes to fall’s vibrant harvest of squash, pumpkin, and sweet potatoes, onto holiday turkey and ham feasts, and into hearty winter stews and casseroles, herbs enhance every season’s fare!

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I’m still thrilled to witness the miracle of propagation each time with every plant. I shelter them in stormy weather, talk to them while watering, trim their leaves, and weed their beds. In return, I’m rewarded with savory, spicy, and fruity aromas, a relaxing hobby, a healthy method of adding flavor to food and cocktails that lasts all year long, and great natural photography backgrounds!Do you have herbs and are looking for ideas on how to use them? Do you see those little plastic packets of greenery hanging in the grocery store but have no clue what to do with them? Maybe you want to expand your culinary horizons and explore your green thumb capabilities? Many people are lured into using fresh herbs through the culinary route.This is the first in a series of articles on growing herbs for cooking, cocktails, and culinary crafts. Plus tips on pairing all kinds of flavors, from custom infused oils and balsamic vinegars to herbs, spirits, sweet and savory dishes. When you marry the right foods together into a succulent harmonious balance, the results are amazing and herbs contribute such character to your cuisine.This isn’t about becoming a food snob or being tethered to rules, except for this one; seasoning is vital in cooking and herbs go hand in hand with that philosophy. I’ll offer general guidelines along with novel combinations I’ve discovered but there’s no one taste fits all. It’s thrilling to develop original recipes and tweak the traditional dishes we savor. Play with new ingredients. It’s great fun to use homegrown edibles but if you don’t want to grow plants yourself, buy a few freshly packaged herbs from the store and practice cooking with them.Be daring with oil and vinegar selections. There’s a wonderful store called Savor The Olive in Virginia Beach that is a tasting room full of unique fused and infused oils and light and dark balsamic vinegars. If you have one of those in your area as well as wine tastings, take advantage of going for a visit. Experiment, so that your sense of taste gets stronger and more acute and it will tell you how much to use.

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Herbs add to the enjoyment of cooking and help you personalize what you’ve prepared. Being a chef is an art. Each person has a unique touch and flavor palate. The kitchen is your studio, the plate your blank canvas. Let instinct and imagination guide you. Herbs are one of the tools in your aromatic arsenal that enable you to present a mouthwatering masterpiece.Hope you’ll join me on a tasting tour of my fertile little deck farm as we pinch and smell the herbs, swirl and taste the wine, envision what main course will be the star of the plate, and tempt your taste buds with food that’s appealing to the eye and tongue.

Financial Planning – A Road Map to a Secure Financial Future

Would you leave on a trip to a new destination without a map? What if your destination is a successful financial future? Without a map, would you know how to get there?Financial planning provides a road map for your financial life. It can make the journey less stressful, more fun, and more successful. And, you can start right now – even if only a few steps at a time.In today’s uncertain economy, financial planning has become increasingly important. With an overwhelming number of options for saving and investing, managing your finances can be difficult. Creating a financial plan helps you see the big picture and set long and short-term life goals, a crucial step in mapping out your financial future. When you have a strategy and a financial plan, it’s easier to make financial decisions and stay on track to meet your goals. Working with a CFP CM professional can secure your financial wellbeing and give you peace of mind and help you reach financial planning success.Some people decide to do their own financial planning, but you may want to seek help from a Certified Financial Planner CM professional if you:Want to better manage your finances, but aren’t sure where to start.
Don’t have time to do your own financial planning.
Want a professional opinion about the plan you’ve developed.
Don’t have sufficient expertise in certain areas such as investments, insurance, taxes or retirement planning.
Have an immediate need or unexpected life event.

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Destination: Setting Goals
Financial planning starts with setting goals. After all, you need to know where you want to go before you can decide how to get there. Your goals can be short-term – for example, paying a credit card debt in six months; medium-term – such as saving for a down payment on a house in two years; or long-term – such as sending your kids to college in 15 years or your retirement. Write your goals on paper, including rupee terms and dates. Keep the list in sight so you can refer to it for motivation as you keep working toward your goals.Starting Point: Where Are You Now?
Next, get a realistic picture of where you are financially. List everything you owe (liabilities) and the value of everything you own (assets). Also, track your monthly income and expenses in a notebook or on a budget form. Even if it’s not a pretty picture now, that’s OK. You’ve faced your financial situation, and financial planning will help you improve the picture.Avoiding Potholes: Insurance, Debt, Job Loss, Taxes and Estate Planning
Financial potholes will inevitably come your way – stock market downturns, recessions, losing a job, wrecking the car, paying for an illness. You may not be able to avoid these potholes, but you can minimize their financial impact. Here are a few suggestions:• Have adequate insurance. Insurance prevents financial catastrophes, so don’t put off getting it. Insure what you cannot comfortably afford to replace. For most people, that means having the following insurance: auto, renters or homeowners, liability, health, disability and life insurance (if someone depends on you financially). Take advantage of insurance offered to you at your job and supplements it with insurance you buy on your own. Shop for the best price, but make sure you buy from a reputable, financially sound insurance company.• Control debt. Having a lot of debt puts you at financial risk. If you’re spending more than you earn, start using a budget to plug spending leaks, and make paying off your credit cards a top priority.

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• Job loss. You can’t control the economy or a company layoff, but you can control how much time you invest in keeping your skills sharp and in meeting people who may help you find a job in the future.• Taxes. Computer software can help you find deductions on your tax return. However, if your financial situation is complex, you may benefit from working with a tax or financial professional who can suggest tax strategies and make sure you are getting all of the credits and deductions due to you.• Estate planning. Every adult should have these four basic documents: will, general durable power of attorney, medical power of attorney and a living will (also called a medical directive). A financial planner can guide you and refer you to an estate planning attorney to draft these documents.There are many benefits of financial planning. If any of the above questions apply to you, it may be time to call a Certified Financial Planner CM professional to help you reach your financial goals and achieve financial success.

Affordable California State Child Health Insurance Plans – I Can’t Pay Much

Finding Affordable or No Cost Insurance For Your ChildEvery child needs dependable health insurance. However, not all parents can afford the full cost of private medical insurance. As a result, there are a variety of programs offered by the state of California and private organizations that can provide health care to financially strapped families. Through these programs, there should be no child in California that doesn’t have health insurance.In the sections below we will give an overview of the child health insurance programs that are available in California. Some of these plans provide complete coverage for children at no cost, and others provide just the basic services. Then we’ll outline the steps parents should take to find the best program for their children.Medi-CalThis is the name for California’s Medicaid program. The program is administered by California, and is financed equally by the Federal and State government. Medi-Cal provides no cost health insurance to low-income families, seniors, and people with disabilities. People that qualify for Medi-Cal can receive free preventive care, treatment for injuries and illnesses, dental care, vision screening, and mental health treatment.This program is one of the cornerstones of the Affordable Care Act, and will expand considerably to take in new people in 2014.Healthy FamiliesThe healthy families program provides low cost health insurance to the children of low income families. This program provides a variety of services such as medical, dental, visions, and preventive care. The program requires families to meet certain income requirements which may viewed at the following link: http://www.healthyfamilies.ca.gov/HFProgram/Income_Guidelines.aspx

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The Healthy Families program is being rolled into the Medi-Cal program during 2013. The transition plan will ensure that families do not see a disruption in services, and will increase the benefits that children receive once inside of Medi-Cal. Healthy Families is still accepting applications for new children.Child Health and Disability Prevention Program (CHDP)This is not an insurance program. However, the program does assist low income families in obtaining preventive care and health assessments for their children. CHDP provides checkups, nutrition evaluations and guidance, immunizations, hearing, and vision screenings. This program is administered by the state Department of Health Care Services (DHCS). The program helps families determine their eligibility for assistance programs, and enroll in the appropriate care program, such as Healthy Families and Medi-Cal.Children’s Health Initiative (CHI)Children’s Health initiative is run by an independent non-profit known as The Institute For Health Policy Solutions (IHPS). CHI works with many counties to reach the low-income families with children that don’t have health insurance. CHI works with families whose income is less than 300% of the Federal Povery Level. By providing technical support and guidance, programs are created in each county to create “Healthy Kids” insurance plans in a partnership with the local communities and businesses.CHI helps families determine which state programs they qualify for, and can assist in the enrollment process.For information about CHI in your county, see the following map of California: http://www.ihps-ca.org/localcovsol/cov_initiatives.htmlCalifornia Children’s Services (CCS)CCS is a state program that provides health care assistance to children up to age 21 with special health problems. The program works with Medi-Cal and Healthy Families to provide case management and ensure that children receive the right care and see the right physicians for their special health needs. Examples of special health problems are cystic fibrosis, hemophilia, cerebral palsy, heart disease, cancer, and traumatic injuries.Steps You Should Take To Find Affordable Child Health InsuranceIf the mother of a baby is enrolled in Medi-Cal or the Aid for Infants and Mothers (AIM) program, then the steps below will not apply for getting baby health insurance after birth. In this situation, the baby will be transferred into Medi-Cal with the mother, or into Healthy Families or Medi-Cal if the mother is in the AIM program. For all other situations, use the steps outlined below.

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The first step is to look at the coverage map for the Children’s Health Initiative above. If CHI has an active program in your area, then this program can act as your partner in helping you get into the correct health program.

If CHI is not active in your county, then contact the Child Health and Disability Prevention Program. This office can help you through the process of finding the correct program and assist you in filling out the necessary forms, or they will put you in contact with a local office for assistance.

If neither of the steps above works, then you should contact your local Medi-Cal office. Medi-Cal will be your lowest cost solution, so start with this program

If you do not qualify for Medi-Cal, then contact the Healthy Families program.
No child in California should be left without health insurance. By providing the proper care and nurturing, we ensure a better future for our state. The programs we have outlined above can provide families with financial difficulties, the health care their children need. The first move is to follow the outlined path, taking one step at a time, and enrolling your child or children.

How Effective Is Weight Loss Surgery?

For severely overweight individuals that have failed to see results from diet and exercise alone, weight-loss surgery has become the safest and most effective means of achieving significant weight loss. In fact, studies have shown that with diet and exercise alone, nearly 95% of obese patients will gain all the lost weight back within 5 years. On the other hand, long-term success rates for weight-loss surgery – including the LAP-BAND procedure – are remarkably high, allowing patients to maintain a loss of between 50-70% of their excess body weight. Though there are many factors that can impact an individual patient’s weight-loss success, weight-loss surgery is simply the most effective long-term weight loss and healthy lifestyle solution for severely obese patients.Studies show that most patients that undergo weight-loss surgery will lose between 50-70% of their excess body weight within the first three years following their procedure. Those that undergo gastric bypass surgery will lose excess body weight more rapidly in the first 12 months than those that choose LAP-BAND surgery. However, gastric bypass patients typically experience a greater number of complications and side effects than LAP-BAND patients, as the LAP-BAND procedure allows for more gradual and natural long-term weight loss.From a clinical perspective, a weight-loss surgery is considered successful when the patient loses at least 50% of their excess body weight and keeps the weight off for at least five years. While important lifestyle changes need to be made to ensure that the weight loss is maintained in the long term, studies have shown that most weight loss surgery patients are able to maintain a 50-60% loss of excess body weight 10 years after the surgical procedure. However, it is important to note that a weight loss of just 10% of total body weight can begin to have positive health effects in resolution of obesity-related condition like asthma, gastric reflux (GERD), and diabetes. As weight-loss surgery is usually performed on patients that are at least 75-100 pounds overweight or have a Body Mass Index (BMI) of at least 35 with a health condition, overall weight loss can range anywhere from 40 pounds to over 100 pounds. But the patient is really the leader behind achieving these results.

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While patients will certainly look and feel better after weight-loss surgery, there are also numerous health benefits associated with successful weight loss. In most cases, health conditions that develop as a result of excessive body weight or are worsened by obesity can be improved upon or, in some cases, remedied by weight-loss surgery.But there are other ways to measuring success with weight-loss surgery, like the LAP-BAND System. For instance, many weight loss surgery patients take great pride in being able to perform certain activities that may not have been possible for a number of years, like crossing their legs, bending over to tie a show, walking up stairs without being easily winded or sitting comfortably in an airplane seat.While most patients that undergo weight-loss surgery experience incredibly positive results, there are many factors that can impact the overall success of an individual patient’s procedure and follow-up treatment. Here are some important factors to consider as you try to determine whether weight loss surgery is right for you.Pre-surgery WeightGenerally speaking, the higher a patient’s pre-surgery weight or BMI, the more excess weight the patient can lose after surgery. However, recipients of weight-loss surgery with less excess body weight will eventually come closer to their ideal weight when committed to long-term diet and exercise. Also, resolution or improvement in obesity-related diseases can occur with even moderate amounts of weight. Often many diseases can become closer to cured than improved with earlier intervention at a lower weight.Overall HealthWhile pre-existing health conditions can impact the overall success of weight-loss surgery (for instance, patients with type 2 Diabetes typically lose less excess body weight after surgery), studies have shown that many ailments linked to obesity are either improved upon or fall into remission after a successful procedure. For instance, a 2000 study performed on 500 weight loss surgery patients showed that nearly 96% of health conditions associated with obesity – such as high blood pressure, depression, sleep apnea, back pain and diabetes – improved greatly following loss of excess weight and long-term commitment to diet and exercise.Surgical ProcedureAs there are potential risks and complications associated with any surgical procedure, potential patients should always seek to have their weight-loss surgery performed by a trusted medical staff. Prospective patients should inquire about their surgeon’s success rates with weight-loss surgery and listen to the experiences of former patients. Additionally, a patient’s weight-loss success may also be impacted by the quality of post-surgery care and counseling provided by their bariatric outpatient facility.Diet and ExerciseAs diet and exercise are two of the most important factors in any weight loss plan, patients with the physical ability to exercise after weight-loss surgery have increased chances of meeting their goals. To maintain the weight loss achieved by surgery, both exercise and healthy eating habits must become integral parts of a patient’s lifestyle.

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CommitmentThe ability to remain committed to suggested dietary guidelines, exercise regimens and any follow-up care recommended by the bariatric outpatient facility is important for both short-term weight loss and long-term weight management.MotivationPatients that are motivated to lose weight and willing to follow through with diet and exercise prior to receiving weight loss surgery may experience greater levels of success immediately following the procedure and in the long term. Most people did not find themselves severely obese overnight. It took years to reach that weight and therefore patients should be patient with the weight-loss process, which will also not occur overnight. Successful patients find small victories along the way to celebrate and stay motivated.SupportAs weight-loss surgery will require some time away from everyday activities, it is important to have the support of family, friends and coworkers before undergoing any surgical procedure. Furthermore, as the ongoing weight-loss process following bariatric surgery may require a certain level of emotional support, prospective patients may want to establish a support network – including friends and family members that can join in on exercise and healthy eating.Considering that significant weight loss can not only remedy many health concerns, but also improve an individual’s quality of life, the potential benefits of weight-loss surgery are plentiful. For severely overweight individuals that are unable to lose weight via diet and exercise alone, weight-loss surgery is the most effective method of losing weight – and keeping the weight off.

Helpful Online Shopping Tips for Buying Cheap Designer Clothes and Shoes for Women

The ability to find cheap designer clothes for women is essential to those who want to look fashionable when they get dressed, not just because prices on authentic, name brand clothing are always expensive, but that buying affordable clothing allows shoppers to easily build a large wardrobe. Smart shoppers can get a lot of nice, authentic, name brand outfits, and the footwear to match simply by knowing where to look. Looking good does not have to be considered a luxury.Know What It Really Means to Buy Discount Designer ClothesIt is not always easy to buy cheap designer clothes online because many shops sell cheap knockoffs instead of designer originals. Sales of low quality clothing should not be considered real discounts at all. This is because those who buy these cheaper items do not get the same benefit or enjoyment as they would from the real thing. Customers need to beware of online shops offering trendy women’s clothes for less. The real savings is when the prices of real brand name items are brought into a price range that is more affordable. That is what designer clothing liquidators are all about. Customers get to find cheap designer clothes for sale that are truly authentic and on the leading edge of fashion trends.

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How to Find Cheap Designer Clothes Online That are AuthenticMany consumers do not have time to get out to a store and shop around for discount brand name clothing, which would make it easier for them to know the quality of the items before purchasing. Moreover, some local outlet stores lack the selection needed for customers to find those trendy, affordable dresses, jeans, shoes, or that perfect top they had in mind. It can be hard to catch sales at department stores, but having a trusted online resource for trendy women’s clothes can make staying in fashion an easy task. Shoppers are able to get clothing from all the best brands, including Coach, Michael Kors, BCBG, Armani, and several others at a steep discount. Best of all, placing an order is easy because of the ability to use PayPal.Why Shop at Those Expensive Trendy Women’s Clothes Shops?It is not always easy to find cheap designer clothes for juniors, or affordable maternity wear that is high quality. Many stores that specialize in selling trendy women’s clothing and shoes do not care about how burdensome their prices are, but there are some that do. Shoppers can learn how to always find low prices on new and like-new authentic brand name women’s clothes and shoes. All they need to do is find the right website. The best sites for buying designer clothing at a low price have a selection is updated on a regular basis, so there is always some great new clothing item to discover. Plus, these reliable stores offer lightning fast shipping and excellent customer service.

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It is possible for those looking for a place where they can get discount shoes online to find a place where there is an enjoyable selection of quality merchandise available. Thanks to online stores that offer cheap designer shoes and clothes, shoppers can easily build a very nice wardrobe. Many of those who love to shop for discount designer clothes find such sites addictive, because getting cheap trendy clothes from real brand names is a thrill.

Sexual Roleplaying – What it is and the Best Way to Do It

Roleplaying is simply when participants adopt and act out characters that are not themselves. Sexual roleplaying therefore is when couples act out characters with an erotic motivation as part of a sexual fantasy. It can range from being serious with costumes, accents, props, etc. to just being something that is imagined, like being stuck on a deserted island. Practically any role could be involved in sexual roleplaying as long as both people involved are interested. Pretending to be someone you are not can be fun and exciting when done correctly.Roleplaying can also be good for a marriage as it may be an opportunity for a spouse to ask for something she has always wanted done to her or done for her, but never felt comfortable asking for. For example, in a roleplay where the wife is the dominant person (boss) she might feel more open about telling her husband (employee) that she wants to have her body rubbed in a certain way that she had never asked for before. The reduction of inhibitions can be great for a marriage as inhibitions are a killer of sexual enjoyment.Some roleplaying scenarios are:* Animal-related where one is treated as a non-human animal such as a dog or pony
* Hospital fantasies involving doctors, nurses and patients
* Stranger-related one or both spouse pretend to “meet” for the first time
* School related – Headmistress and Student or Teacher and Naughty Schoolgirl
* Photographer and Model
* Stripper and Client
* Business related – Boss and Employee, Boss and SecretaryIf this is your first time thinking about roleplaying, start with something simple, like Photographer and Model and then move on to ones where the acting requirement is a little higher.Roleplaying is a lot of fun and is easy, but there are a few important requirements:1. It requires open communication
2. It requires a willingness to participate
3. It requires honesty
4. It requires not taking yourself too seriously
5. It requires establishing rulesLet’s examine these requirements in a little more depth.1. Roleplaying requires open communication – Roleplaying can involve actions that when taken too far, might be uncomfortable for one or both partners. Let’s say a couple pretends to be strangers who meet in a bar. They pretend to have different pasts and even different names. As the night continues, the husband begins to feel uncomfortable being called a different name. As soon as he realizes this, he needs to be able to communicate with his wife that he wants to end the fantasy or just be called his real name and continue, or another option he feels comfortable with. Whichever he chooses, being able to discuss that with his wife, even in the middle of the roleplaying, is vitally important.2. Roleplaying requires a willingness to participate – Perhaps a husband wants to be the boss and have his wife pretend to be his secretary with a German accent. His wife should not worry about whether that makes sense, if she knows what a secretary does all day, or if she has any idea what a German accent sounds like. She should give it her best try and of course, have fun!3. Roleplaying requires honesty – The husband finds his new doctor very attractive so he gets his wife to pretend to be a doctor and tries to make the fantasy about his new doctor. This is NOT a situation in which roleplaying should be used, nor is it the purpose of roleplaying. The husband needs to be honest with himself about his motivations for the roleplaying. He may not need to tell his wife he is attracted to his doctor, but he definitely should not start a roleplaying session with the goal of thinking about anyone other than his wife. All sexual fantasy, including roleplaying, is just a tool that helps married couples increase their sexual pleasure with each other.4. Roleplaying requires not taking yourself too seriously – In a roleplaying session, the husband might pretend to be an airline pilot while the wife pretends to be a stewardess. Since neither of them have real airline clothing, they make do with what they have. His outfit leaves him looking more like a butler than an airline pilot which could lead him to cutting short the session out of embarrassment. Instead if he is able to play around and ignore the idea that he looks silly, he will probably end up having a great time.5. Roleplaying requires establishing rules – Similar to open communication, rules are important should something need to change or stop during a roleplaying session. This might be as simple as “no” means “no” or could be something that has been pre-arranged as in a certain stopping time for a specific situation. A couple should always stay where they are both comfortable even if a fantasy heads in an unplanned direction. Also, setting and timing need to be right (as with any sexual encounter). Perhaps a roleplaying scenario was planned for today and a wife comes home from a horrible day at work. A postponing may be in order. Again, the ultimate point of roleplaying is to have fun and enjoy each other.

Teaching About the Election to Elementary Students Using Literature and Technology

Teaching about the election can be an interesting process. Of course the best way is to hold a mock election, or even better, a school election with children running for various offices. As with all curricular areas, experiencing the learning by participation cements the concepts.Other ideas for teaching about the election include:For Kindergarten and Grade 1Read a book about an election and discuss the elements of election. Books I choose to use are “Duck for President” by Doreen Cronin and Betsy Lewin (2004) and “My Teacher for President” by Kay Winters and Denise Brunkus (2008.)After discussing the election process we make campaign posters. Students use a drawing program on the computer (I use KidPix) and type “Vote for ______” in huge letters. They add decorations to complete the poster. We print in color and staple to construction paper. Hanging this campaign poster on their bedroom doors will remind them of what they learned about the election.

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For Grades 2 and 3I read an election book such as “Pete for President” by Daisy Alberto (2004). We discuss election procedures but also emphasize telling the truth during the election process. During the story there is a page where there is a debate. I stop the story, have two kids join me up front, and simulate a debate. Sometimes I even tell one of the students to make outlandish claims about what he or she would do if they were to win. We finish reading the book and then discuss ways that students can improve the school.The second graders make campaign posters just like the younger students but they add four ways they can make the school/world a better place. Examples might be: Eliminate bullies from the playground, Pick up Litter on the Playground, Be Nice to All People, Help Raise Money for New Library Books, etc.In Grades 3 through 5As the children get older I begin to teach about the electoral college. The best book I’ve found for this is “Grace for President” by Kelly Dipucchio and Leuyen Pham (2008.) After reading this story I send the students to explore an online simulation game at the Scholastic News website.

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Grade 6: By the time students are in grade 6 they are ready to explore the issues of the candidates. To do this I ask the students to choose six issues to research on the websites of the candidates. The information that they gather can be presented in any manner; for instance, a 2-column display comparing the issues or using an organizing software such as Inspiration to create a web of information.Overall, the more concrete examples you can give to students about the election will assist them in learning about the process that we embrace within our country.

Questions First Time Investors Should Ask Before Investing

It is easy to find people’s opinion on how to invest in the stock market as everyone has a different angle on what to expect in the stock market at every point in time, but most of the time people’s opinion may be very confusing. The most common problem that new investors do have is how to determine good investments from the bad ones, what to invest on, what time to invest among others. Some of the questions that you need to answer so as to make a good decision when you want to invest are highlighted below.Is This a Good Time to Invest in Stocks?On the off chance that you are taking a gander at money markets amid a lofty decrease, you may think it is a terrible time to begin investing. On the off chance that you are taking a gander at it when stocks are reviving, you may think it is a decent time.Neither one of the times is fundamentally great or terrible in the event that you are investing for the long haul (10 years or more). Nobody can anticipate with any level of assurance which way the share trading system will move at any given time; yet over the long haul, stock markets has constantly moved higher. Each bear advertises is trailed by a buyer market (when stock costs rise). Verifiably, positively trending markets have endured any longer than bear markets, and the additions of buyer markets have more than counterbalance the misfortunes in bear marketsHow Much Risk Should I Take?A standout amongst the most essential fundamentals of investing is the cozy relationship amongst risk and returns. Without risk, there can be no profits. You ought to will to accept more risk on the off chance that you are looking for more noteworthy returns. In that regard, risk can be something to be thankful for, yet just in the event that you take into consideration adequate time to let the inescapable market cycles happen. By and large, in the event that you have a more drawn out venture time skyline, you ought to will to expect a more noteworthy measure of risk, on the grounds that there will be more opportunity for the market to work through the here and there cycles. Generally, understanding financial specialists have been compensated with positive long haul returns.

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New investors are regularly encouraged to put fundamentally in common money, which can give moment enhancement, offering the most ideal approach to lessen risk. By putting resources into a couple of various shared assets speaking to various resource classes, (for example, expansive development stocks, global stocks or bonds), you can lessen unpredictability significantly promote without yielding long haul returns.On the off chance that you are beginning an investment program by investing incremental measures of cash on a month to month basis, you will profit by dollar cost averaging. When you invest an altered measure of cash on a month to month premise, you get some share costs at a higher cost and some at a lower cost because of market changes. At the point when the market decreases, your settled dollar sum will purchase more shares. After some time, the normal cost of your shares ought to be lower than the present market cost. By utilizing dollar cost averaging, your drawback risk will be alleviated after some time. What Is My Investment Goal?The most vital question to consider before making any invest is, “What Is My Investment Goal?” Your ventures will contrast boundlessly if, for instance, you are attempting to spare cash for retirement as opposed to attempting to spare cash for an up front installment on the house. Things being what they are, ask yourself, “Is this venture prone to help me meet my objective?” What Is My Risk Tolerance?If your investment objective is to profit as would be prudent and you can endure any hazard, then you ought to invest in the National Lottery. Putting resources into lotteries, be that as it may, practically promises you won’t achieve your venture objective. There are speculations for each level of risk resilience. But if you are not a high-risk taker, investing in long-term investment is the key.What Happens if This Investment Goes to Zero?Among the 12 stocks in 1896 stock list, only General Electric is still in operation, the other eleven firms in the first record have either gone bankrupt or have been gobbled up. There is a genuine plausibility that any investment you make could go to zero while you claim it. Ask yourself, “Will I be monetarily crushed if this speculation goes to zero?” If the answer is yes, don’t make that venture.What Is My Investment Time Frame?As a rule, the more extended your investment time allotment, the more risk you can take in your investment portfolio since you have more opportunity to recuperate from a mix-up. Likewise, in case you’re putting something aside for retirement, and you’re decades from resigning, putting resources into something illiquid (like an investment property) may bode well. “Does this venture bode well from a planning perspective?”When and Why Will I Sell This Investment?If you know why you are putting resources into something, you ought to have an entirely smart thought of when to sell it. On the off chance that you purchased a stock since you were expecting 20 percent income development for each year, you ought to anticipate offering the stock if income development doesn’t live up to your desires. On the off chance that you purchased a stock since you enjoyed the dividend yield, offer the stock if the profit yield falls.Who Am I Investing With?It is extremely hard to judge the character and capacity of anybody in light of a two-passage portrayal accessible in an organization’s yearly report or a common store outline. However, you ought to at any rate know with whom you are entrusting your money. What is their past record? Things to hope for are long fruitful track records and good dividend and turnover.Do I Have Special Knowledge?A celebrated investment expert feels that normal individuals have a tremendous favorable position over investment experts in fields where they work in light of the fact that no investment professional will ever know more around an industry than somebody who works in it. Ask yourself, “Am I putting resources into something I know something about, or am I putting resources into something that some specialist know something about?”

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I couldn’t care less how great something sounds. In the event that I don’t totally see how it functions, I won’t put resources into it.In the event that an investment can’t be clarified obviously, it implies one of two things:The individual clarifying it doesn’t comprehend it either, or there’s something about the investment that the individual is attempting to stow away.On top of that, one of the greatest keys to investing admirably is adhering to your arrangement through the good and bad times.That is difficult. Indeed, even the best investment methodologies have enormous down periods that make you reconsider. Adhering to your arrangement in those extreme times requires a practically religious-like conviction that things will pivot.Furthermore, the best way to have that sort of conviction is to comprehend why you’re investing the way you are and what every bit of your arrangement is accomplishing for you. Without a solid comprehension, you’ll more likely than not safeguard at the main indication of inconvenience.Why Do I Still Own That Investment?It is a smart thought to intermittently look through your investment portfolio to ensure regardless you need to claim your stock. Offering an investment for a misfortune or offering a major champ is exceptionally troublesome. Be that as it may, the greatest distinction amongst beginner and professional investors is that professional investors don’t have passionate ensnarement with their investment and can strip themselves of their investment without kicking themselves if the investment keeps on picking up esteem.Should I Be Managing My Own Investments?It is extremely difficult for beginner investor to perform well than a professional investment expert. If you don’t have sufficient energy or slant to deal with your investment, you ought to think about paying an expert to do it for you. Every investor wants to make profit, so there is no harm in trusting your investment in good hand.