With prices of commodities increasing day by day it is proper to make your very own strategic plan on maximizing your financial resources and making sure that every penny earned is well spent.

Make your move on coordinating your finances and list of expenditures that may affect the way you use your income and empower you on your economic stability as a working individual.

Your source of income, lifestyle, spending habits, current job and house location, cost of living, payables and loans determines your level of budgeting needs. Starting to take charge of your finances is one sure way of becoming successful in a field of self-fulfillment and success.

The following tips and recommendations will provide you details on how you can help yourself manage your finances and assume a new outlook to become responsible in your spending.

Ø Treat Math As Your Lifetime Partner – Do the entire math in your purchasing needs. Try to compare prices across your current location for the price of a range of grocery and household items you need in a day-to-day basis.

Save as much as you can in an item you are trying to buy. Chinese businessmen exercise effective buying techniques. They save as much as they can and usually purchase in bulk to increase their revenue index on the item they plan on selling as well.

Ø Gambling – Gambling tops the chart in making your life as chaotic as it could get. Gambling strips you off your finances and keeps you vulnerable from the threats of bankruptcy.

Ø Know Your Wants and Needs – Limit your spending on something which you are not in dire need of. According to a recent study, luxuries are second to gambling in terms of the degree of money-stripping capability.

Ø “Do Not Spend More Than you Earn” – Rags-To-Riches stories do not fail to mention this famous cliché. There is always truth to this phrase for you cannot live in a world where you consume more than what you can produce.

Ø Keeping A List – Making your own budget list is vital to your success to becoming prudent. A wise buyer needs to consider the amount of a certain commodity and how will it impact his life as an individual.

An unconscientious consumer would not care about what is being purchased as long as he or she has money to buy for them. Unless you are someone who has a considerable amount of wealth and income resources, you can not afford to disregard this recommendation and go ahead with your practice.

Summary:
In the late 90s, feature stories began appearing in the national media about children and parents who were so overwhelmed by the amount of homework that it was destroying their family life and causing psychological damage. The evidence presented in these stories was often anecdotal, profiling just one or two families. However, the articles were published in enough respected publications that they sparked a national debate on whether children have too much homework. Schools sc...


Keywords:
Kids, children and parents, education


Article Body:
In the late 90s, feature stories began appearing in the national media about children and parents who were so overwhelmed by the amount of homework that it was destroying their family life and causing psychological damage. The evidence presented in these stories was often anecdotal, profiling just one or two families. However, the articles were published in enough respected publications that they sparked a national debate on whether children have too much homework. Schools scrambled to create homework policies, parents held protests, and children began to receive sharply mixed messages on the value of homework.

In all the fuss, people never realized that the information contained the articles simply wasn't true. In 2003, the Brown Center on Educational Policy at the prestigious Brookings Institution released a report that shattered the perception that American students are staggering under an unreasonable load of homework. In fact, they found just the opposite: American students probably don't spend enough time on homework. Gathering data from a number of studies that had been performed in the late 90s, the Brown Center drew four startling conclusions.

Typical students, from kindergarten to high school, don't spend more than an hour a day doing homework. In fact, pointing to a study done by the Higher Education Research Institute at UCLA, the Brown report found that more than two-thirds of college freshmen did five hours or less of homework during their final year of high school.

The report also analyzed studies and concluded that the homework load for the average student has not increased appreciably since the 1980s. This is in direct opposition to the anecdotal evidence cited in the article of homework increasing to as much as three hours per night.

However, a study performed in 1997 by Michigan State University showed that children at that time were spending just over two hours per week on study, which could include activities other than homework. Interestingly, this study is often used to prove that students have too much homework, since the weekly hours spent on study increased over the life of the study by 23 minutes. The Brown Center postulates that this statistical increase was actually caused by children who previously had no homework at all and because they had advanced in grade, now had homework.

Finally, the Brown report found that, contrary to the articles' portrayal of militant parents protesting homework, most parents are satisfied with the amount of homework their children receive. In fact, if parents were dissatisfied with the amount of homework their children had, it was because they felt it wasn't enough.

Summary:

Just how important is golf fitness and exercise to a golfer today in the modern game? Can a good amateur or even professional golfer do without it and still maximize their potential?

Keywords:

golf,golf swing,golf trainer,golf workouts,golf exercises,golf fitness,golf lessons,golf instruction,golf tips

Article Body:

Just how important is golf fitness and exercise to a golfer today in the modern game? Can a good amateur or even professional golfer do without it and still maximize their potential?

Will they still be able to enjoy their game and see constant improvements or at least consistency in their quality of play?

Those golfers who ask these sorts of questions about golf fitness and exercise sometimes nostalgically cast their minds back to the so called good old days of the golf game when the game was strictly a leisure sport where one hardly needed to break into a sweat to thoroughly enjoy themselves on the course.

The modern golf game has changed dramatically and permanently. Although golf is still very much the leisure sport that has given pleasure to thousands over the years even with the golf fitness and exercise programs. If anything these golf fitness and exercise programs have given many more people a chance to master the game much faster and really get to enjoy it.

Assuming that a golfer would want to skip golf fitness and exercise they would find themselves faced with one major problem. Increasingly they would find themselves frustrated and would be faced with a situation where it would seem that the standard of their game is dropping.

Actually what would be happening is that the pressure of playing against golfers involved in golf fitness and exercise programs would be taking its’ toll.

There are few things that are as infuriating and frustrating as seeing your opponent effortlessly run rings around you on the course just because they have taken golf fitness and exercise seriously and you have not.

In all likelihood the golfer who is determined to do without golf fitness and exercises, just like in the old days, would increasingly find themselves in a position where they enjoy their game less and less.

The iPod has been, since its release in 2001, one of the most innovative and popular digital devices in the world. Being produced by a strong brand such as Apple, the iPod became popular in a very short period of time. The popularity of the iPod was owed, besides the practical usage of the actual product, to the original ways of promoting and advertising of the company and, as well, to the aesthetical qualities that the product presented, ranging from the design features to the packaging.

Since the appearance of the product on the market, meaning the first iPod in 2001, the design of the product changed, but not dramatically; still, every model of the iPod came with new features, so the design and the package had to be adapted to these, in order to satisfy the consumers. The most important element that was considered by the creators when establishing the shape of the new device was the perfect proportioning. The new item was supposed to be light and easy, in order to be carried in all sizes of pockets, yet it had to look like a powerful and strong device. Even more, the necessity of providing a stable platform for the controls and the fact that the device was supposed to be managed easily by the customers, lead to the optimization of the perfect size and shape. The result was a device which was the right size in order to be held in the hand without difficulty and managed without effort. In the 5 years of constant research in order to find the right proportion for the iPods, the device ranged between the thickest model, expressed in the 2nd generation of iPods and the almost as thick 4th generation iPod to the more symmetric models of the 1st and 3rd generations.

Following these rules, the first 4 generations of the iPod managed the keep the right proportions that could permit the optimum use of the sound and later on, the photo features (even so, the iPod nano was considered to be too light and fragile). After the launching of the 4th generation of iPods, Apple were preparing to provide a new and even more innovative iPod, which was supposed to have a video feature, as well. At that time, the most significant concern of the producers was the fact that, due to the new iPod features, which had to permit a good visibility and a larger screen, the perfect proportions of the iPod might be ruined. As a result, the last generation of iPods is the thinnest of all; instead, the screen is larger, which allows videos to be watched much better.

Since the original model, the iPod's height and width have remained the same. Still, the corners of the new iPod video are sharper, in comparison with the rounded edges of the previous models. Even more, the center button of the device is flat, without any convex potions, which characterized the previous models of iPods.

The new iPod video comes in 2 colors: black and white, which adapt well to the color of the package, which is black and silver. With this colors (which are the same as the ones of the iPod`s nano colors), the new device seems improved and more refined. The black iPod has a chrome Apple logo, but the ear buds remain white, for both colors of the main device.

The iPod has been constantly modified in order to establish the perfect size for carrying and listening to music while walking and sometimes dancing. The iPod video presents, besides an obvious technical evolution that allows now watching videos on this small device, a new appearance, with different proportions, which are adapted to the most important request: good visibility. With a larger screen and thinner aspect, the iPod video turns out to be a stylish and aesthetic product, which slightly changes the image of the previous models, yet keeps the brand features intact.

Some people cringe at the thought of being labeled as a gambler since the stigma would forever hound them. People have different reasons as to why they gamble. Some gamble to forget their problems, others for fun, or to while away the time, those who play seriously and those who are addicted to it.

But all is not negative when it comes to gambling as there are untapped benefits of gambling which cannot be seen within the walls of the casino, or the race track, or in the bingo social hall.

Employment

In Las Vegas, a whopping 60 percent of the employment ratio is attributed to the presence of casinos. Imagine what would happen to Las Vegas if all the casinos suddenly stopped operating.

Entertainment

Self-discipline is the key. Gambling is for entertainment, as it was intended to be. Others just couldn't handle a loss and always kept right on thinking that the next card would be the one to salvage all that has been lost. But it never does. And these types of gamblers only comprise one-fourth of the gambling population who cannot gamble responsibly.

Imagine the other 75 percent who responsibly gamble. These are the people who find the entertainment value of gambling and they are never blinded by the illusion that hitting it big time just once is the key to financial freedom.

It is sad that only a small percentage of the gambling population gets the bad rap of how gambling can be so destructive. Families, friends, properties, jobs, crimes and deception permeate the destruction brought about by gambling but it is still a small portion of the gambling population.

Charity Work

Winnings from gambling activities have contributed in providing the needed financial support of worthy causes. They use gambling activities such as bingos or lotteries with a percentage of the jackpot winnings tied with charity institutions.

Some celebrities even show their prowess in card games like poker to provide entertainment for the viewers and winnings for the charity institution they represent.

Health benefit

Studies have been found that retirees 65 years old and above who gamble have less health issues such as depression, alcoholism and bankruptcy as they find gambling to be therapeutic as it exercises their mind and keep them alert.

The study was not conclusive, however, because retiree gamblers are the recreational gamblers who find the entertainment value of gambling. They are healthier because they are healthy to begin with and not because they gamble.

In the end, it is not the gambling act itself that makes it beneficial or harmful to the individual. It is the decision of the individual if gambling would rule him or he would rule his gambling habit.