For your children to grow creatively, it would be better that they were induced since their early ages, because these early ages are widely known as the golden age of human brain. Some tips you could consider for your children to grow creatively are as follows:
1. Give your children the chances to explore
Curiosity among children should be encouraged by their parents through providing them sufficient chances to observe, to try to share everything around their environments. Any child that face many prohibitions or restrains would tend to be more passive and less creative than otherwise.
2. Providing the means in forms of used objects
Parents shall give their attentions and loves to their children. Any child who has been criticized and punished more frequently or too excessively would tend to has less self-confidence than otherwise. Therefore, it would be better not to dispose used cartoons, used magazines and so on, but use them as the facilities for our children to exert their creative ideas.
3. Providing Constructive Toys
Toys we give to our children should be varied, not necessarily in forms of dolls or car toys, but also any toy that would enable our children to create various new patterns, such as Lego blocks.
4. Promote their creativities in using their languages
Since their early ages, our children should trained to have story listening habits. Parents rehearse stories, and before completing their stories, it would be better that they give the chances to their children to give an idea of the ending.
5. Involve your children in Creative Activities.
It would be better for your children, if we involve them in creative activities such as playing musics, drawing, dancing and so on.
6. Children try problem solving
Children should be provided the chances to solve problems. For example: if their objects were loss, what should they do? Or give them puzzles.
7. Attending Brain Gym
Brain gym is good to induce their creativities, such as making scratches by their own bare hands.
That are some tips in inducing creativities of your children. We hope that they would be beneficial.
Sunday, October 16, 2011
managing your money
Managing money may seem like a distant dream. It’s something we want to do someday—when we have more money and more time. But we all need to manage our money so we can reach the goals and dreams we've set for ourselves.
While the idea of money management may seem difficult, it's really not. It's simply one more skill to be learned, just like we learned to write, read or perhaps drive a car. Believe it or not, no one is born with the skills to be a good money manager, but everyone can learn them.
We often live day to day, allowing the demands of the present to swallow up our money and time. We watch the money—usually not enough—come in, and we watch it go out. We often feel we don't have any control over it, so why should we worry about trying to manage it?
Because managing your money can help reduce the stress in your life. It can help give you a plan to take care of unexpected events and expenses.
Most importantly, managing your money can help you meet the goals you've set and create the life you deserve.
In this section, we’ll suggest ways to help you live within your means and manage debt so it doesn’t manage you. We’ll also show you how to develop a spending plan that will help you reach your goals. In addition, we’ll cover why banks and credit unions are a great choice for your money, show you how to manage expenses if you have children, and other tips on deductions you may be able to take on your taxes.
While the idea of money management may seem difficult, it's really not. It's simply one more skill to be learned, just like we learned to write, read or perhaps drive a car. Believe it or not, no one is born with the skills to be a good money manager, but everyone can learn them.
We often live day to day, allowing the demands of the present to swallow up our money and time. We watch the money—usually not enough—come in, and we watch it go out. We often feel we don't have any control over it, so why should we worry about trying to manage it?
Because managing your money can help reduce the stress in your life. It can help give you a plan to take care of unexpected events and expenses.
Most importantly, managing your money can help you meet the goals you've set and create the life you deserve.
In this section, we’ll suggest ways to help you live within your means and manage debt so it doesn’t manage you. We’ll also show you how to develop a spending plan that will help you reach your goals. In addition, we’ll cover why banks and credit unions are a great choice for your money, show you how to manage expenses if you have children, and other tips on deductions you may be able to take on your taxes.
how to better manage money
Financial problems can easily surface if left unmanaged. The best way to avoid financial problems is to learn to budget money and watch spending closely. Learning to better manage money can help save you from financial distress later on. Here are some simple steps to better manage your money.
Difficulty:
Moderately Easy
Instructions
1.
* 1
Record all your expenses on paper or on a spreadsheet. Categorize your expenses under areas such as home mortgage, car payment, electric bill, grocery, entertainment, kids and other expense categories. This way you can keep track of how much is spent on each category and develop a budget plan.
* 2
Review the expenses incurred each month. If it exceeds your take home income, look for ways to reduce your spending. Eat out less, shop for cheaper alternatives such as insurance or medication, or take your children to less expensive activities. The rule to remember is if you can't pay it with cash, you can't afford it.
* 3
Set aside some money for savings. Financial professionals advise that the amount should be at least 10 percent of your pay. If you can't save that much, every little bit you save adds up and can make a difference.
* 4
Buy what you need, not what you want. If you can't afford it, don't buy it.
* 5
Make it a habit to check your bank and credit card statements. Credit card companies and banks can sometimes make mistakes that cost you money.
* 6
Strive to own a house instead of renting. Owning a house is an investment in your favor and renting is putting money into someone else's investment.
* 7
Avoid using credit cards. If you have to for major expenses, use them as sparingly as possible. Also, be sure to shop for a credit card that has a low interest rate. If you can't pay up in full each month, the interest rate can creep up on you.
* 8
Stay away from short cuts to wealth such as gambling or get rich quick schemes. The chances of losing or getting frustrated are much higher than success. You just end up throwing your money away.
* 9
Seek a financial adviser to help you plan your finances and investments.
* Budgeting Made Easywww.budgetmap.com
Effortlessly organize your finances Get immediate control!
* A Fun way to Budgetwww.snowmintcs.com
For kids, teens, grads, or newly married couples just starting out.
* Rp. 300.000 in Free Adswww.Google.com/AdWords
Gain New Customers In Just 30 Mins With Google AdWords. Sign Up Now!
* Private Wealth Managementmaddernfinancial.com.au/your-wealth
Whether Business or Personal, our Wealth Management Experts are ready
Ads by Google
Difficulty:
Moderately Easy
Instructions
1.
* 1
Record all your expenses on paper or on a spreadsheet. Categorize your expenses under areas such as home mortgage, car payment, electric bill, grocery, entertainment, kids and other expense categories. This way you can keep track of how much is spent on each category and develop a budget plan.
* 2
Review the expenses incurred each month. If it exceeds your take home income, look for ways to reduce your spending. Eat out less, shop for cheaper alternatives such as insurance or medication, or take your children to less expensive activities. The rule to remember is if you can't pay it with cash, you can't afford it.
* 3
Set aside some money for savings. Financial professionals advise that the amount should be at least 10 percent of your pay. If you can't save that much, every little bit you save adds up and can make a difference.
* 4
Buy what you need, not what you want. If you can't afford it, don't buy it.
* 5
Make it a habit to check your bank and credit card statements. Credit card companies and banks can sometimes make mistakes that cost you money.
* 6
Strive to own a house instead of renting. Owning a house is an investment in your favor and renting is putting money into someone else's investment.
* 7
Avoid using credit cards. If you have to for major expenses, use them as sparingly as possible. Also, be sure to shop for a credit card that has a low interest rate. If you can't pay up in full each month, the interest rate can creep up on you.
* 8
Stay away from short cuts to wealth such as gambling or get rich quick schemes. The chances of losing or getting frustrated are much higher than success. You just end up throwing your money away.
* 9
Seek a financial adviser to help you plan your finances and investments.
* Budgeting Made Easywww.budgetmap.com
Effortlessly organize your finances Get immediate control!
* A Fun way to Budgetwww.snowmintcs.com
For kids, teens, grads, or newly married couples just starting out.
* Rp. 300.000 in Free Adswww.Google.com/AdWords
Gain New Customers In Just 30 Mins With Google AdWords. Sign Up Now!
* Private Wealth Managementmaddernfinancial.com.au/your-wealth
Whether Business or Personal, our Wealth Management Experts are ready
Ads by Google
Seven Qualities of a Good Leader
By Barbara White
How often have you heard the comment, “He or she is a born leader?” There are certain characteristics found in some people that seem to naturally put them in a position where they’re looked up to as a leader.
Whether in fact a person is born a leader or develops skills and abilities to become a leader is open for debate. There are some clear characteristics that are found in good leaders. These qualities can be developed or may be naturally part of their personality. Let us explore them further.
Seven Personal Qualities Found In A Good Leader:
1. A good leader has an exemplary character. It is of utmost importance that a leader is trustworthy to lead others. A leader needs to be trusted and be known to live their life with honestly and integrity. A good leader “walks the talk” and in doing so earns the right to have responsibility for others. True authority is born from respect for the good character and trustworthiness of the person who leads.
2. A good leader is enthusiastic about their work or cause and also about their role as leader. People will respond more openly to a person of passion and dedication. Leaders need to be able to be a source of inspiration, and be a motivator towards the required action or cause. Although the responsibilities and roles of a leader may be different, the leader needs to be seen to be part of the team working towards the goal. This kind of leader will not be afraid to roll up their sleeves and get dirty.
3. A good leader is confident. In order to lead and set direction a leader needs to appear confident as a person and in the leadership role. Such a person inspires confidence in others and draws out the trust and best efforts of the team to complete the task well. A leader who conveys confidence towards the proposed objective inspires the best effort from team members.
4. A leader also needs to function in an orderly and purposeful manner in situations of uncertainty. People look to the leader during times of uncertainty and unfamiliarity and find reassurance and security when the leader portrays confidence and a positive demeanor.
5. Good leaders are tolerant of ambiguity and remain calm, composed and steadfast to the main purpose. Storms, emotions, and crises come and go and a good leader takes these as part of the journey and keeps a cool head.
6. A good leader as well as keeping the main goal in focus is able to think analytically. Not only does a good leader view a situation as a whole, but is able to break it down into sub parts for closer inspection. Not only is the goal in view but a good leader can break it down into manageable steps and make progress towards it.
7. A good leader is committed to excellence. Second best does not lead to success. The good leader not only maintains high standards, but also is proactive in raising the bar in order to achieve excellence in all areas.
These seven personal characteristics are foundational to good leadership. Some characteristics may be more naturally present in the personality of a leader. However, each of these characteristics can also be developed and strengthened. A good leader whether they naturally possess these qualities or not, will be diligent to consistently develop and strengthen them in their leadership role.
For additional information on how to be a good leader visit www.GROCO.com
How often have you heard the comment, “He or she is a born leader?” There are certain characteristics found in some people that seem to naturally put them in a position where they’re looked up to as a leader.
Whether in fact a person is born a leader or develops skills and abilities to become a leader is open for debate. There are some clear characteristics that are found in good leaders. These qualities can be developed or may be naturally part of their personality. Let us explore them further.
Seven Personal Qualities Found In A Good Leader:
1. A good leader has an exemplary character. It is of utmost importance that a leader is trustworthy to lead others. A leader needs to be trusted and be known to live their life with honestly and integrity. A good leader “walks the talk” and in doing so earns the right to have responsibility for others. True authority is born from respect for the good character and trustworthiness of the person who leads.
2. A good leader is enthusiastic about their work or cause and also about their role as leader. People will respond more openly to a person of passion and dedication. Leaders need to be able to be a source of inspiration, and be a motivator towards the required action or cause. Although the responsibilities and roles of a leader may be different, the leader needs to be seen to be part of the team working towards the goal. This kind of leader will not be afraid to roll up their sleeves and get dirty.
3. A good leader is confident. In order to lead and set direction a leader needs to appear confident as a person and in the leadership role. Such a person inspires confidence in others and draws out the trust and best efforts of the team to complete the task well. A leader who conveys confidence towards the proposed objective inspires the best effort from team members.
4. A leader also needs to function in an orderly and purposeful manner in situations of uncertainty. People look to the leader during times of uncertainty and unfamiliarity and find reassurance and security when the leader portrays confidence and a positive demeanor.
5. Good leaders are tolerant of ambiguity and remain calm, composed and steadfast to the main purpose. Storms, emotions, and crises come and go and a good leader takes these as part of the journey and keeps a cool head.
6. A good leader as well as keeping the main goal in focus is able to think analytically. Not only does a good leader view a situation as a whole, but is able to break it down into sub parts for closer inspection. Not only is the goal in view but a good leader can break it down into manageable steps and make progress towards it.
7. A good leader is committed to excellence. Second best does not lead to success. The good leader not only maintains high standards, but also is proactive in raising the bar in order to achieve excellence in all areas.
These seven personal characteristics are foundational to good leadership. Some characteristics may be more naturally present in the personality of a leader. However, each of these characteristics can also be developed and strengthened. A good leader whether they naturally possess these qualities or not, will be diligent to consistently develop and strengthen them in their leadership role.
For additional information on how to be a good leader visit www.GROCO.com
HOW TO BE A GOOD LEADER
* Remember: leadership skills and techniques can be learned. You don't have to be a natural leader. Very few people are.
* Care for your team. That means knowing what matters to each member: their health, their partner, their children, their relatives, their interests, their hopes, their fears.
* Stay close to your team. At some point, every day, walk around the office and say "Hi" to everyone who works for you. If you're not in the office that day, call and see how people are. This gives you a chance to enquire or encourage and gives them an opportunity to raise issues or make suggestions.
* Meet your team. Regularly - daily, weekly or monthly, depending on your place and type of work - have meetings of all the members of the team. Keep these meetings short, focused and action-orientated. Make sure every member of the team contributes in some way and acknowledge that.
* Train your team. Every team member should have at least two days training a year. Newer and more senior colleagues should have more. If they don't ask to go on training sessions, suggest some suitable courses.
* Grow your team. Through varied experience and regular training, you should be developing each team member to be more and more confident and more skilled.
* Inspire your team. Consider making available a motivational quote or story every week or month [for lots of good quotes click here].
* Celebrate with your team. This might be a personal event, such as a member's birthday or anniversary, or a professional occasion, such as completing a project or winning oa contract.
* Socialise with your team. Have lunch or an after-work drink with them, especially when a member has a birthday or there's another reason to celebrate.
* Set objectives for each team member. As far as possible, these objective such be SMART - Specific Measurable Achievable Resourced Timed.
* Review the performance of each team member. At least once a year - at least quarterly for the first year of a new team member - have a review session where you assess performance, give feed-back and agree future objectives and training.
* Thank constantly. The words "Thank you" take seconds to say, but mean so much.
* Praise constantly. The words "Well done" take seconds to say, but will be long remembered and appreciated.
* Communicate constantly. Don't assume that people know what you're doing, still less what you are planning or thinking. Tell them, using all the communication tools to hand: team briefings, electronic newsletters, organisational newspapers.
* Eliminate. Too often we do things because they've always been done. Life changes. Consider whether you could stop doing certain things altogether.
* Delegate. You don't have to do everything. Develop your team members by training them to do more and trusting them to take over some of the things you've been doing.
* Empower. A really effective leader sets clear objectives for his team members, but leaves detailed implementation of these objectives to the discretion and judgement of individual members of the team. As Second World War U.S. General George S. Patton put it: "Don't tell people how to do things. Tell them what to do and let them surprise you with their results”.
* Facilitate. A confident leader does not try to micro-manage his team, but makes it clear that, if team members need advice or assistance, he is always there to facilitate and support.
* Be on time. Always start meetings on time and finish them on time. Natural breaks keep people fresh. Short meetings concentrate the mind.
* Be seen. Don't just talk the talk, but walk the walk. So visit each unit or department for which you are responsible on a regular basis. Don't do this unannounced - you are not out to undermine other leaders or catch out staff. So arrange with the unit leader or departmental head when you'll visit and ask him or her to walk round with you.
* Make time. Managers are often very busy and this can deter people from approaching you, so make time for people and be approachable. People will appreciate you taking five minutes out of your busy schedule, especially if you act on/listen to what they say.
* Really listen. Many of us - especially those who think they are important - don't really listen, but instead think about what they're going to say next. Give the person speaking to you your full attention and really take on board what they are saying. [For more detailed advice on listening click here]
* Accept honest criticism. Criticism is hard to take, particularly from a relative, a friend, an acquaintance or a stranger - but it's a powerful tool of learning. Above all, assess criticism on merit, without regard to its originator.
* Think strategically. The doers cut a path through the jungle; the managers are behind them sharpening the machetes; the leaders find time to think, climb the nearest tree, and shout "Wrong jungle!" Find time to climb the trees.
* Have a mentor or buddy, someone doing similar work in the same or a similar organisation with whom you can regularly and frankly discuss your progress and your problems as a leader.
* Have a role model, someone who can inspire you to be a truly great leader. If you can't find one, study Jed Bartlet as the American President in any episode of the television series "The West Wing".
* Constantly revisit and review these tips. In his seminal work, "The Seven Habits Of Highly Effective People", Stephen Covey puts it this way: "Sharpen the saw".
* Plan your succession. You won't be there forever and you may not be in control of the timing and circumstances of your departure. So start now to mentor and train at least one colleague who could take over from you.
ROGER DARLINGTON
* Care for your team. That means knowing what matters to each member: their health, their partner, their children, their relatives, their interests, their hopes, their fears.
* Stay close to your team. At some point, every day, walk around the office and say "Hi" to everyone who works for you. If you're not in the office that day, call and see how people are. This gives you a chance to enquire or encourage and gives them an opportunity to raise issues or make suggestions.
* Meet your team. Regularly - daily, weekly or monthly, depending on your place and type of work - have meetings of all the members of the team. Keep these meetings short, focused and action-orientated. Make sure every member of the team contributes in some way and acknowledge that.
* Train your team. Every team member should have at least two days training a year. Newer and more senior colleagues should have more. If they don't ask to go on training sessions, suggest some suitable courses.
* Grow your team. Through varied experience and regular training, you should be developing each team member to be more and more confident and more skilled.
* Inspire your team. Consider making available a motivational quote or story every week or month [for lots of good quotes click here].
* Celebrate with your team. This might be a personal event, such as a member's birthday or anniversary, or a professional occasion, such as completing a project or winning oa contract.
* Socialise with your team. Have lunch or an after-work drink with them, especially when a member has a birthday or there's another reason to celebrate.
* Set objectives for each team member. As far as possible, these objective such be SMART - Specific Measurable Achievable Resourced Timed.
* Review the performance of each team member. At least once a year - at least quarterly for the first year of a new team member - have a review session where you assess performance, give feed-back and agree future objectives and training.
* Thank constantly. The words "Thank you" take seconds to say, but mean so much.
* Praise constantly. The words "Well done" take seconds to say, but will be long remembered and appreciated.
* Communicate constantly. Don't assume that people know what you're doing, still less what you are planning or thinking. Tell them, using all the communication tools to hand: team briefings, electronic newsletters, organisational newspapers.
* Eliminate. Too often we do things because they've always been done. Life changes. Consider whether you could stop doing certain things altogether.
* Delegate. You don't have to do everything. Develop your team members by training them to do more and trusting them to take over some of the things you've been doing.
* Empower. A really effective leader sets clear objectives for his team members, but leaves detailed implementation of these objectives to the discretion and judgement of individual members of the team. As Second World War U.S. General George S. Patton put it: "Don't tell people how to do things. Tell them what to do and let them surprise you with their results”.
* Facilitate. A confident leader does not try to micro-manage his team, but makes it clear that, if team members need advice or assistance, he is always there to facilitate and support.
* Be on time. Always start meetings on time and finish them on time. Natural breaks keep people fresh. Short meetings concentrate the mind.
* Be seen. Don't just talk the talk, but walk the walk. So visit each unit or department for which you are responsible on a regular basis. Don't do this unannounced - you are not out to undermine other leaders or catch out staff. So arrange with the unit leader or departmental head when you'll visit and ask him or her to walk round with you.
* Make time. Managers are often very busy and this can deter people from approaching you, so make time for people and be approachable. People will appreciate you taking five minutes out of your busy schedule, especially if you act on/listen to what they say.
* Really listen. Many of us - especially those who think they are important - don't really listen, but instead think about what they're going to say next. Give the person speaking to you your full attention and really take on board what they are saying. [For more detailed advice on listening click here]
* Accept honest criticism. Criticism is hard to take, particularly from a relative, a friend, an acquaintance or a stranger - but it's a powerful tool of learning. Above all, assess criticism on merit, without regard to its originator.
* Think strategically. The doers cut a path through the jungle; the managers are behind them sharpening the machetes; the leaders find time to think, climb the nearest tree, and shout "Wrong jungle!" Find time to climb the trees.
* Have a mentor or buddy, someone doing similar work in the same or a similar organisation with whom you can regularly and frankly discuss your progress and your problems as a leader.
* Have a role model, someone who can inspire you to be a truly great leader. If you can't find one, study Jed Bartlet as the American President in any episode of the television series "The West Wing".
* Constantly revisit and review these tips. In his seminal work, "The Seven Habits Of Highly Effective People", Stephen Covey puts it this way: "Sharpen the saw".
* Plan your succession. You won't be there forever and you may not be in control of the timing and circumstances of your departure. So start now to mentor and train at least one colleague who could take over from you.
ROGER DARLINGTON
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