Work From Home – Why Working From Home Appeals to Me, Home

Working from home has more often than not been looked upon as a good option for retired people and at-home-moms who desire a small personal income without it interfering in any major way with their domestic duties or personal commitments. The power that comes from being with the Internet at home and the possession of basic writing skills enables one to make the most of work-from-home opportunities. For those who may otherwise miss the constant challenge of a full-time job due to retirement, family priorities or even health issues; working from home provides the right balance through the freedom to interweave work with home without compromising on either. What’s more – it earns you enough pocket money for that occasional shopping spree!

As someone who is currently going through a ‘gap’ after completing studies and looking for a full-time job, working from home seems like the perfect solution. While the application and interview process takes up some part of my day, I realize it leaves me enough hours to do a part-time job and maybe earn a small income too. Working from home works for me as it not only gives me something constructive to do with my time, it earns me money sitting in the comfort of my home while allowing me to carry on freely with the process of applying and interviewing for prospective jobs. It gives me the freedom to choose how much work I want to take on and what time of day suits me to complete it. Moreover, it draws on skills I already possess and gives me a platform to utilize, hone and display them. For instance, as someone who enjoys research and writing, penning down my thoughts and ideas on topics that interest me is more than I could ask of a ‘real’ job. It builds on my knowledge base, coaxes me into organizing my ideas and structuring an article in a way that proves helpful to a regular reader. This hugely appeals to me as my ‘job’ then involves reading up and researching topics that are, in any case, of great interest to me or are hobbies that I like to indulge in during my free time.

Financially, too, a work-from-home job means a small income which is most certainly better than the zero-income phase one has to pull through while looking for permanent employment. It means I can manage small expenses without having to worry! Over and above that, I can earn more by doing more work and that too, when it suits me. This means more flexibility than a full-time job can facilitate. If you write articles from your house you don’t have to worry about any added expenses. And yet, it does not interfere with whatever may be top priority or me at the time. It is then perfect for me by all standards – time management, money and most of all, interest! I hope to enjoy my time researching and writing articles – it’s something I love doing!

The Disadvantages of Home-Staging Business, Home

There’s no doubt that there’s money at home-staging. If you are a home-stager, you know that you are in a unique business. You get to apply your designing and decorating skills while getting paid! But just like anything else, this business has its disadvantages aside from its benefits.

In this down real estate market, every seller wants to sell their homes fast that they do almost anything to generate a sale especially for their properties which had been stuck for more than a year or so. This is because in real estate, the longer the property stays in your hand; the more difficult it is to be sold. The listing becomes stale and real estate agents will not be willing to show those buyers as there are newer properties in the listings.

The best strategy for sellers to get rid of stuck properties is home-staging. But is repairing, painting, changing of curtains and putting a few flowers in a property worth it? Let’s just say that doing all those processes are not expensive, but have you thought about your competitions? The new built homes? The following are the other disadvantages of this business.

There are many anxious sellers who are desperate of getting rid of their homes and the easiest way that they seem to make that happen is to have their home for home-staging. Staging is, no doubt, the most unique approach to sell homes. However, is it really worth your time and effort? What if you staged a home, and still never sell? You just got your money wasted as well your own time. So what to do?

The following are some tips on the advantages and disadvantages of home-staging your property that is up for sale:

1. It takes so much time and so much effort, and may become expensive in the case of homes that are hard to sell.

2. When talking about investment, home-staging is not practical. Remember, a good investment is spending one dollar and getting two in return. If it’s 1 to 1 or 1 to 0, then it is a very bad investment.

3. If you stage the home while you are still living on it, you will have to empty the furniture, empty the closets and drawers, and keep the bathroom clean and fresh every day. That’s another household chore that is difficult to maintain in regular days.

Unless you are willing to make sacrifices, exert extra effort and willing to risk your money, home-staging might not work for you, so think carefully.

Signs and Symptoms of a Cheating Spouse Or Partner, Home

The signs and symptoms of a wayward spouse or partner can be either very subtle and hard to detect, or obvious and brazen.

1. Your Spouse suddenly takes keen interest in new music, whereas he/she has never shown an interest in before.

2. You notice your spouse or significant other making comments about a movie, You know you did not watch together; such as “Yeah, that was awesome” or “That movie sucked big time”, “Oh, I love the part when….”

3. Your man who has a disdain for doing laundry, suddenly loves doing his own laundry- with that said, he also seems to time his laundry duties soon after he arrives home.

4. The classic lipstick on the collar or other parts of his shirt. Pay attention also to unexplained glitter.

5. Another obvious red flag is the smell of another man’s or woman’s cologne or perfume on clothing, or hair.

6. Techniques and styles of sex suddenly become extremely different and foreign to you. I am talking way out of the norm here. You may find yourself in positions you had never done together before, or be asked to do things which was never requested of you before.

7. Sex itself can take unexpected turns regarding frequency. Your wayward spouse may suddenly request more sex than your normal routine, or drastically decline in wanting it at all.

8. Your partner’s mood has changed. You notice that he/she is now easily tempered, quick to snap or may pick fights with you deliberately to justify leaving the house to “Take a drive to think”.

9. You may notice that they suddenly keep their cell phones on silent and strapped to their bodies at all times; whereas before, the phone was kept on ringer and placed securely and easily within reach somewhere within a room in the home.

10. You may notice the cell phone going AWOL altogether. He/she may be locking the cell phone in the car altogether and not bringing it into the home at all.

11. Cell phone bills stop coming to the house altogether. When you look up the bill online, you see a pattern of the same number/ numbers being called.

12. You had access to the cell phone bill online, but the password suddenly has changed.

13. Household duties and chores become neglected. You notice your partner spending more time on the Internet or literally lazing around the couch with no interest with the upkeep of the house. He/ she is in a fog-like state, thinking about the other person.

14. Time spent with family also declines. Interest in weekend activities with yourself and the kids, attendance to children’s sports games, time spent alone with you such as date nights, etc….become greatly diminished.

15. More and more sudden and unexplained “Business Trips” keep popping up on the agenda.

16. You notice your significant other taking a drastic new interest on his or her appearance. You may notice a vast amount of new clothing, new colognes or perfumes, new hair-cuts, new shoes, new and different underwear being purchased.

17. You also may notice a sudden diet and exercise regimen they are on. They also may have taken up a new membership at a health club to get into better shape.

18. You may notice the Internet browser history always being deleted. This is a huge red flag to pay attention to. Anyone that deletes everything from the history, has something to hide.

19. You may in fact be accused yourself for having an affair.

20. You notice your partner talks and talks and talks continuously about a member of the opposite sex. He/she may try to even camouflage this person and claim they are gay and nothing is there to worry about.

21. You notice when you come face to face with your partner’s colleagues, that they become shifty and uneasy in your company, oftentimes with very little to say to you, or offer only nervous rambling.

22. Ditto that with mutual friends. If mutual friends suddenly become uneasy around you, they likely know something is up.

23. Usage of new terms of slang. If your partner suddenly takes keen to a new form of language expressions, whereas he has never said these types of words before, this is a sign and a red flag to pay attention to.

24. Mileage in the car does not match that of which he/she tells you they are driving. If you notice a sudden upward or downward spiral of mileage on the car, there is likely a problem.

25. You suddenly get a vast amount of hang up calls on your home phone; and in conjunction with this, the inbound number may be blocked from the caller’s end.

26. You suddenly are left out of functions, such as work holiday parties, or award dinners; whereas prior to this, spouses or significant others were always welcome.

27. You find yourself suddenly showered with unexplained gifts or offers of spending sprees out of the norm; usually unrelated to holidays, birthdays, etc… “Just Because” gifts are nice and everything, however, if your partner is usually stingy and frugal and suddenly showers you with stunning materialistic items, it may be due to feelings of guilt. You know your partner more than anyone, so if his/her spending habits on you suddenly spike, it may be something to be aware of.

28. Your partner who was once nonchalant about your daily plans and activities, may suddenly make a point to constantly inquire about them. If your partner suddenly wishes to know your detailed plans for any given day, such as time you are leaving the home, places you are going to actually be and a time you are going to return home, he/she may be making sure the coast is clear for his/her own activities.

29. Your spouse who was once a credit card only spender with no cash on-hand, suddenly sports large sums of unaccounted for cash in his/her wallet.

30. Finding condoms in his wallet or in his car, when you have already had your tubes tied or are on the pill.

31. Finding male enhancement pills or viagra in his car or in his briefcase.

32. You notice on the cell phone bill he/she is using a calling card frequently. Using a calling card on a cell phone prevents the cell phone company from logging the actual phone number dialed.

33. You are married, yet find yourself introduced to new people by your significant other (Such as at a party or function) as his “first wife”, or her “first husband”.

34. Your partner, who is not normally manicured “Down There”, suddenly begins to wax or shave.

35. You begin to notice the new habit that your significant other is leaving the wedding ring at home before going to work. This may be blatant and in plain sight, such as in the bathroom; or you may accidentally find the ring hidden somewhere such as a cabinet. After he/she comes home, you notice they put it back on. When confronted with this issue, you likely will receive a lame excuse such as “The ring is too tight, or it impairs me at work”.

36. You notice unaccounted for scratches, hickies or bruises on delicate parts of his/her body, such as the neck, breasts, chest or genital areas.

37. You notice on a group (work-related) signed greeting/holiday card that someone of the opposite sex signs their name with a doodled heart at the end or signs it with “Love”.

38. You find a “Just Because” thank you card from a member of the opposite sex tucked in his/her briefcase, thanking him/ her of the “Special friendship” they have and thanking them for all the “Help or advice” they give; and that they can’t imagine life without them in it.

39. Unaccounted for gift-like items show up in the home such as special cuff links, ties, colognes/perfumes, lingerie/underwear or jewelry that you know you did not give to your spouse.

40. That nagging and unsettling “Gut Feeling” that something is not right becomes constant and distracting to you. Gut feelings are rarely wrong.

41. You and your partner used to enjoy free flowing conversation, whereas now, you find yourself greeted with a mumbled hello at the end of the day, followed by stale and stagnant conversations for the rest of the evening. You notice your partner has lost interest in sharing feelings, dreams, and visions for your future together. You may find yourself literally sitting on the couch together all evening long with very little attention paid to you.

42. You may notice the passenger side of the car always readjusted, which does not fit your normal sitting pattern; or you may find strands of hair that don’t belong to you or your children on the interior of the car.

43. You normally take family vacations together as a family, yet he/she suddenly takes off on one solo.

44. You get slammed with an angry outburst over the most benign and innocent of questions. You begin to walk on eggshells in bewilderment and become afraid to even approach your spouse with inquiries.

45. Your joint bank accounts suddenly have less being deposited into them, or suddenly have vast amounts of withdrawals made; without your mutual consent.

46. You run a Google search with his or her name to discover a MySpace or Facebook account they did not tell you about. In conjunction with this, you run a Google search on known screen names they have utilized in the past and discover them belonging to forums of a sexual nature.

47. Similarly, you run his/her name or email address within a social networking search engine and find him/her belonging to places you were never aware of.

48. You discover a secret Post Office box they have rented out. In conjunction with this, you may notice incoming bills, especially the credit card bills no longer showing up at the home address. Keep in mind also, he/she could also be having bills mailed directly to his or her office in lieu of the home.

49. You were once free to come and go on the home computer only to find that your spouse has set up a password sensitive security system you can no longer access. He/she may make dual accounts on the same PC, but his/her own account may suddenly become inaccessible.

50. You notice he/she has set up a remote desktop location account on the PC and is accessing another computer entirely from your home.

How to Treat an Ovarian Cyst During Pregnancy – Methods to Get Rid of Your Cyst, Even While Pregnant, Home

When you have to treat an ovarian cyst during pregnancy, it can be difficult. Traditional treatment methods are not available or are especially dangerous to you. Even pain management is more complicated. So how do you successfully treat an ovarian cyst while you are pregnant?

The traditional methods of treating an ovarian cyst are prescribing birth control pills or surgically removing the cyst. Birth control pills are out of the question while you are pregnant. If the cyst is especially large, dangerously positioned, or has solid components, you may need to get it surgically removed. This is generally done during the second trimester using laparascopy.

The rest of us afflicted by an ovarian cyst during pregnancy are left to wait and see if the cyst will clear up on its own. Fortunately, for most women, it does, though it may take a few months. However, there are natural methods you can use to help it on its way.

Controlling the Pain

First, if you have ovarian cyst pain, you need to control it. Pregnancy itself can be uncomfortable enough as it is. You can use over the counter medicine containing acetaminophen to help you. However, never use medications containing ibuprofen. This can severely harm your unborn child.

You can also try to manage your pain naturally. Hot compresses and water bottles can help relieve the tension in your abdomen, which will lessen the stress on your ovary. This should take some of the pressure off and ease your pain. You can also try other relaxation methods, such as prenatal yoga or herbal teas.

Getting Rid of the Cyst

In order treat an ovarian cyst during pregnancy, you need to first cleanse your body. While you are pregnant, you will want to avoid most herbal supplements, as those can be harmful to the baby. However, just drinking plenty of water and improving your diet can help cleanse the liver.

Make sure to drink filtered water, as most tap and many bottled waters can contain trace amounts of hormonal medication. This can actually make your cyst worse. Also, soft plastic bottles contain BPA, which has been linked to undescended testicles in newborn boys. BPA mimics estrogen in your body, which may aggravate the ovaries. Try to drink from glass or metal containers, and avoid microwaving or freezing plastics.

Watch out for Complications

The two most common complications with ovarian cysts are ovarian torsion and ruptured cysts. Both require immediate medical treatment.

In ovarian torsion, the weight of the cyst causes the ovary to twist, which cuts off its blood supply. This will feel like debilitating pain in the side the cyst is located. If this happens, contact your doctor right away.

If you have a sudden increase in pain or a sharp intense pain in one side followed by a steady burning sensation, your cyst may have burst. This also may be accompanied by vaginal bleeding. If this happens, contact your doctor right away. You’ll need to be put on antibiotics to prevent infection and monitored to make sure you don’t have internal bleeding.

The Benefits of Having a Wireless Camera Home Security System, Home

Right! Each of us understands that proudly owning your home security system has been a pleasant thing. Having said that, how about considering going wireless? As for those who are just beginning with their very first home it might be a positive aspect to have security system. In old-school home security systems you have video cameras moving in and out all around the place. Occasionally cameras and the hook-ups which come alongside it can build clutter and more of an overpriced protection plan. However, how about going for a camera home security system wireless strategy?

Should you decide to choose the camera home security system wireless tactic you can conserve on time and possibly expenses? You will also save on needing to test the circuits. In cases when you invite a security plan throughout your home you are going to need to go through a great deal of tests, which is before it is actually put in. Should there be empty wires dangling about, they are going to need to be removed and/or separated, especially if they may not be working and just taking up room.

Okay so why go through the inconvenience of all of this? The amount of time it can take to set up is minimized and it doesn’t need to depend on some type of power grid to use it. The electric battery power of these Wi-Fi systems will be greater than that of traditional systems that need the wires. These wireless systems go on movement detection. They can work up to at least a few hundred or so feet. They can even power directly into a couple of the systems which you currently have in your home. The wonderful thing I like about going Wi-Fi is the blend into just about any wall material. If you position one of the signalling devices on a dense wall it will certainly continue to register, I am not joking.

Considered one of the very best specs of this Wi-Fi equipment is that they will discourage predators in ways that typical home security devices will likely not. If a trespasser steps on a motion sensor from anywhere outside of your house it will register and an alert will activate. Thieves definitely won’t like this whatsoever and they will likely back off. More than likely they will have a go at locating a house which has a lesser level of security. It’s that advantageous. We have all seen the advertisements about the burglar running away when the alarm activates. Many of us will flout and think “well that cannot possibly be real or valid”. Well it is. The commercial may be carrying it out for effect, but the concept behind what takes place is true.

Yet another great thing about these wireless systems is that they will inform you of any high level of activity in cases when it comes to flooding or various other weather troubles. If you add in devices for smoke and carbon monoxide gas accumulation they will be of value too. These kind of devices helps to keep you wary whether you are sleeping or awake, regardless of what your location is in the house these wireless security systems are not just worth the money you have invested, but they will help save you money in the long haul.

How to Tackle the Home Study Report?, Home

What is a home study report?

A Home Study Report or HSR is a mandatory report for those who want to adopt internationally. It consists of information inputs from adoptors, office interviews and home visits. It requires you to disclose information about your medical records, financial situation, and ciminal backgrounds, as well as details your family relationships, and your feeling about adoption. The HSR is conducted by accredited social service organizations in Singapore.

How long does it take to complete a HSR?

The time to complete a HSR varies from 1 to 2 months.

What do councellors look for in an HSR?

The HSR is created to protect the rights of adoptees. It wants to make sure the adoptees have acceptable conditions to live in and to grow up. Because bringing up a child is a long-term affair, the social workers will want to know your health conditions, your parental style and whether you have the financial capability to raise a child.

Can I choose the social worker who conducted the HSR?

There are 5 agencies in Singapore who are accredited to conduct the HSR. You can interview the agencies before you decide to select the one to conduct your HSR. And when you are first interviewing agencies, ask who is likely to do your home study, and request a quick, informal chat. If you are comfortable with his/her style and presence, you’ll want to go for that agency.

How can I speed it up?

When you’re interviewing agencies or social workers, ask how long they expect each phase of the home study to take? Don’t hesitate to ask your social worker about his workload, if he/she seems disorganized or takes too long to return your calls, ask to be assigned to someone else. For your part, gather all documents and make your medical appointments early in the process.

What are they looking for in a home visit?

A home study is meant to explore what kind of life you can offer a child. It is not intended to get skeletons out of the closet. Dust in your house is all right- social workers are not typically critiquing your housekeeping standards (some agencies even believe that people living in a picture-perfect home would have a difficult time adjusting to the mess a child brings to a household). You don’t have to have toys or a decorated nursery. Social workers are just looking for people who will be sensible, loving parents.

What should I worry about?

If you have a medical, financial, or criminal record that you fear might result in an unfavourable home study, don’t wait to mention.

  • Health problems or disabilities: An agency will want to know if you can care for a child long-term. If you’re in the middle of medical treatment or have a condition that threatens your life expectancy, you might be prevented from adopting. If you have medical condition that is under control (for instance, high blood pressure or diabetes that is managed by diet and medication) you may still be approved to adopt. If your family has sought counseling or treatment for a mental health condition in the past, you may be asked to provide reports from those visits.
  • Financial problems: a history of bank-ruptcy, high debt, or failure to pay child support could be cause for denial. But you don’t have to be rich to adopt, you just have to show that you can manage your finances responsibly and adequately.

How can I help my spouse put up with the HSR?

Every adoptive parent we know has said, at some point during the home study: “This is unfair, they don’t make people go through this before they get pregnant”. For some initially reluctant spouses, the prospect of having their lives examined is too much to bear. Our families say the best way to deal with this is to turn the process around: Think of the home study as the chance to ask an expert- the social worker- everything you want to know about Baby Adoption.

What if I’m rejected?

In the unlikely event that your counsellor does not approve your HSR, the first thing to do is appeal to the head of the agency to make sure it’s not a matter of personal chemistry (it’s been known to happen). Next, check with your support group: Have other people in your situation been approved? If so, by whom? If there’s absolutely no reason for your rejection, apply to another agency.

FAQ of the HSR interview:

About yourself

  1. What is your experience with intertility, and how have you resolved your grief over intertility?
  2. What is your relationship with your spouse? How do you approach problem solving and handle conflict as a team? Give examples
  3. What is your employment status? What are your plans after your child arrives?
  4. What is your financial situation? Are you able to live within your means and save for future expenses?
  5. How were you parented in your family of origin, and how might you experiences growing up affect your own parenting?

About parenting and adoption

  1. What is your motivation to adopt?
  2. What type of child are you interested in adopting, and why?
  3. Can you consider taking a child with prenatal drug/alcohol exposure? Any other disability?
  4. Are you open to parenting a child of another race? If so, what experiences do you have with children and adults of other races?
  5. What efforts have you made to educate yourself about adoption?
  6. What are your expectations of parenthood? Of your child?
  7. What are your theories about parenting?
  8. What experiences have you had caring for children?
  9. How does your family feel about your plan to adopt?

The 7 Biggest Mistakes Most New Daycare Owners Make – And How to Avoid Them!, Home

What does it take to be successful in child care?

Obviously, you should have a deep & passionate desire to take care of children, a huge amount of patience, and the ability to juggle several tasks at once (such as warming a bottle while helping toddlers with an art project).

It also helps if you have a separate space in your home, such as a finished basement, where you can run your child care business.

But as if that isn’t enough, there are many things that a successful home daycare owner needs to be good at besides caring for children. Honestly, it can be quite daunting.

Things like getting paid on time from parents, writing solid policies & contracts, marketing your business to new potential clients, obtaining the right insurance policy, understanding record-keeping and how it affects your taxes, and overall, just getting started in a manner that will optimize success.

To help you get started more successfully, here are seven of the biggest, costliest mistakes women make when starting their own home-based child care business, and how to avoid them.

BIG MISTAKE #1: Not doing the proper research on the child care market in your town or city.

This is a crucial step that many new child care business owners miss, usually because they’re not sure how to go about it. Or they may think that it’s not really necessary to do the research, because they don’t understand how it could impact them.

After all, it’s just a small home-based business, right? Why do you need to do all that extra work up-front?

The goal here is not to spend weeks or months completing some huge market research project that you’re not ever going to use.

I’m talking about spending a few hours over the next few days, calling around (or maybe visiting some other child care businesses) and asking key questions.

Let me give you an example of what I’m talking about. My neighbor Mary, who runs a child care business in her home, discovered a couple things about our local market that helped her create a more profitable business. The first thing was, our town has ½-day Kindergarten, not full-day. By talking to other Moms in our town, Mary found there was a need in our town for “before-and-after care”, that is someone who could watch Kindergarteners & older kids before and after school. She structured her daycare to fill this need. All she had to do was make sure the buses were able to pick up & drop off these kids at her home, and she was able to start taking kids.

So what you want to uncover, when you do your upfront research, is a “pocket of unfulfilled need” in terms of child care. You don’t need it to be a huge pocket, but something unique about your business that will bring you customers who have that need.

Other examples of this are:

– offering second or third shift care if you have large companies in your town who employ people on evening or overnight shifts

– offering bilingual care or special languages, such as sign language for babies

– offering special meals (such as organic or vegetarian) if you live in a town where that would be considered desirable (like Boulder, Colorado or a similar college town)

Again, you are asking key questions and trying to uncover an unfulfilled need in your town or city. You can begin by calling your local Child Care Resource & Referral Agency (CCR&R), your local elementary schools, talking to neighbors and friends, and visiting other child care businesses in your town. You can even call other home child care businesses and talk to these women about what they are seeing in the market. Usually, women in child care help each other out by forming friendships and partnerships, so don’t be intimidated.

By taking the time to do the research, you will gain a huge advantage by understanding your market and how you can be successful within that market.

BIG MISTAKE #2: Not getting the right liability protection for you and your business.

If you want to be able to sleep easy at night and not worry about getting sued, you’ll need to be properly covered. You need the real scoop on what type of insurance to buy, and how much it should cost, so you don’t overpay.

Many new child care business owners make the mistake of thinking that their homeowner’s policy is enough to cover them if there’s a problem. But the truth is, that policy usually doesn’t provide enough protection, nor the right kind of protection you need for special situations that a daycare owner can face.

An example of this situation would be if your house had a power outage, and you had to close temporarily due to the loss of electricity. If you had a business liability policy with coverage for “business income interruption”, you would be covered by your policy and you would still get that income.

Likewise, if you were sued by a parent for some situation, your policy would cover you in most cases.

Surprisingly, a business liability policy for a home daycare is not that expensive, and is well worth the investment (in my opinion). These type of policies usually cost $30 to $40 per month. Is that worth a good night’s sleep?

BIG MISTAKE #3: Not charging the right fees.

Do you know how to find out what other child care homes and centers are charging? Most new daycare owners literally leave money on the table by not setting their rates properly. You’ll get short-changed by charging too little, and if you charge too much, you won’t get any clients!

So how do you go about figuring out what to charge? This is a similar process as doing the upfront research in your town…it’s simply a matter of making some phone calls or visits to other child care businesses and setting you prices appropriately.

Many new family daycare owners charge the same weekly rate for each child, regardless of the child’s age. However, if you talk to centers in your town, most of them charge the highest rate for infants, and the lowest rate for older kids (pre-K and older). Many parents are used to this type of pricing structure.

So depending on the ages of kids that you can accept, if you charge a bit more for infants and young toddlers, you may find that your income will be a bit higher than a flat-rate for all ages. You’ll have to look at your individual scenario and choose what’s best for you.

For example, let’s say that according to your state, and the ages of your own children, you can accept 1 infant, 3 young toddlers (15-24 months), and 2 older toddlers (3-4 year olds). If you charge $120 per week as a flat rate, you would have a weekly income of $720.

If, however, you charged a bit more for infants ($135/week), and young toddlers ($125/week) and less for older toddlers ($115/week), your weekly income with this scenario would be $740. That amounts to an extra $80 per month, or an extra $1,040 per year.

Small adjustments like these in your price, if it makes sense based on your local area, can make a difference in your take-home profits at the end of the day.

BIG MISTAKE #4: Not covering yourself with a proper daycare policy handbook and contract.

Okay, this is a really big one. You need to have a well-written contract for your parents, and you need a comprehensive policy handbook. If you use your contract and policy handbook properly, you can literally save yourself thousands of dollars of lost income (and countless hours of headaches!).

So what’s the difference between a contract and a policy?

A contract is a binding legal agreement between two people. If you agree to care for a child and the child’s parent agrees to pay you for that care, you’ve made a verbal contract. If you put the contract in writing, it becomes a written contract.

There are 5 key elements of a child care contract: the names of the parties, the hours of operation, the termination procedure (that is, how either party may terminate the agreement), terms of payment (including rates, due dates, and extra fees), and the signatures of the parties. Be specific and clear with your wording.

A policy handbook is longer and more detailed than a contract. It should contain all the rules that state how you will care for the children, how you’ll handle specific kinds of situations, and how you run your business. For example, you should include your vacation & sick day policies, how you handle behavior issues & discipline, and how the children will be fed.

It’s a good idea to require a signature page at the end of your policy handbook, where the parent agrees that he or she has read the entire handbook and agrees to abide by the policies you’ve laid out.

You need to have both documents in writing. (If you need actual examples that you can copy & edit to fit your business, they are provided in my Daycare Success System…more about that later).

BIG MISTAKE #5: Not using the best ways to market your business to future customers.

Let’s face it, you may not be a marketing and advertising whiz, but you need easy and low-cost ways to get the word out and bring in new customers.

We’ve all heard that the best advertising is word-of-mouth. That’s after you’ve gotten started and your clients recommend you to their friends and neighbors.

But what about when you first open your doors, and you have no proven track record?

Fortunately, there are lots of ways you can get the word out about your new child care business, and most of them won’t cost you much money. Here are 4 marketing ideas to get you started.

Marketing Tip #1: Register with the Child Care Resource and Referral (CCR&R) Office in Your Area.

This is the very first thing you should do to get your name out there, and it should be done prior to opening your doors. The website is located at: www.childcareaware.org

Then enter your ZIP Code in the search field and you will receive the contact information for your nearest CCR&R office. You can also call them toll-free at (800) 424-2246.

As of December 2007, in order to be registered with most CCR&R’s, you do not need to be state-licensed or certified. However, they may have special requirements to be listed, based on your state.

For example, in Ohio, they request that solo family daycare providers have a maximum of 6 children at any time, and no more than 3 children under the age of 2. If there is more than one caregiver in the home/facility, the numbers can be higher. These rules vary by state, so be sure to call your local CCR&R branch to confirm your rules.

Once you register with your CCR&R, they will provide your contact information, along with any special information pertaining to your daycare, to parents seeking child care….for free!

Marketing Tip #2: Contact All Elementary Schools on Your Bus Line and/or in Your Community.

Most schools maintain a list of Childcare Providers, which they provide to parents upon request. Ask to have your name and phone number added to their Provider list.

Marketing Tip #3: Verbally Communicate to Everyone You Know.

Tell everyone you know that you are providing child care and ask them if they know anyone who is seeking childcare in your area. Make an announcement at your church, and at all other groups to which you belong. If you don’t belong to any community groups, join some! You’re an entrepreneur now, it’s time to start networking!

This may be your strongest source for enrolling daycare children. Most parents prefer to leave their children with a provider that was recommended by a friend, neighbor, coworker or family member.

Marketing Tip #4: Place Announcements or Small Ads in Community Newsletters.

Ask every organization you know and/or belong to such as a Church, Play Group, or Community Group, if you can place an announcement in their Newsletter.

If you know a community group, church, and/or business professional that mails out a newsletter, ask them to advertise your business for the local residents on their database. In your advertisement, focus on the unique features of your business and the benefits that children and parents will receive from being enrolled with you.

Remember, this is just the tip of the iceberg. When you learn these easy and inexpensive (or free) methods to bring in new leads, you’ll have a full and profitable daycare center and you’ll establish an ongoing relationship with your parent-clients that will have them raving about you to their friends and family!

Now let’s get back to the 7 Biggest Mistakes and how you can avoid them.

BIG MISTAKE #6: Not utilizing the tons of free resources in your local area, including sources of grant money.

Many new daycare or preschool owners don’t know about the local resources available to them, and how to navigate the waters of state, regional, and local government agencies.

With so many organizations and websites out there, it can be really tough to figure out where to go and who to ask, if you don’t know where to begin.

The best place to start is with your state. Every state in the U.S. has an agency within their state government that sets the rules for family child care providers. This agency is usually called something like the Department of Child & Family Services (DCFS), or the Department of Job & Family Services (DJFS) and they all have websites.

(If you are in Canada or another country, you probably have a similar office in your government).

Simply go to your state’s website (such as http://www.Illinois.gov) and look for the appropriate department, or type “child care” in the search box.

The website should contain phone numbers for the Child Care contact person in your state. Call them on the phone and inquire about your state’s rules and what they recommend for people who are just getting started in family child care.

Most counties also have a child care office that helps people at the county level. Ask your state contact person how to find help for your specific county. Then, contact your county rep and ask the following questions (these are also good questions to ask your state rep):

– What do you need to know that’s specific rules or regulations for your county?

– What training are you required to take before you open your doors?

– What kind of ongoing training / learning is required?

– Do they have any recommendations on insurance providers for child care owners in your county?

– What resources do they have to help you get started?

– Do they know about any sources for grants or low-interest start-up loans?

– Are there local or county support groups that meet to discuss child care issues?

There may be other questions you’ll think of, too. Don’t be intimidated. You have the right to get the best information to get started, and you owe it to yourself to start out as successfully and as knowledgably as possible.

BIG MISTAKE #7: Not getting licensed or certified by your state.

Getting licensed or certified with your state can be a bit of work, but it’s probably easier than you think. Usually, to get licensed you are required to take a certain amount of training (often very low-cost or even free) and your home will be inspected once or twice a year by a state inspector to ensure that guidelines are being met.

There are lots of reasons why you should consider it…the top reason being that you can charge higher rates!

Here are some of the other benefits you will gain by being licensed or certified with your state:

– You will be proud to know you are providing the highest quality of care (and you can communicate this to others).

– Potential parents will be more likely to choose you, so you won’t have to spend as much on marketing and advertising

– Schools and other businesses will be more likely to recommend you.

– You may be eligible for grants or low-interest loans to expand your daycare or improve it with a new outdoor play area, etc.

– You will stand out from the crowd as a superior business.

You will have the highest chance for success if you strive to be the best at what you do.

Good luck!

Home Remedies For Migraines – 5 Easy Tips for Relief, Home

Migraines are one of the most common neurological disorders experienced by millions of people everyday. This ailment causes severe headaches on one or either side of the head, spreading out from the eyes and can last for several days. In some extreme cases, the pain is so severe that it hinders the affected individual from performing tasks or functioning properly.

The sad truth is that there is currently no known cure for migraines, but there are a couple of known home remedies for migraines that provide immediate, effective relief. If not to prevent, these remedies can work wonders for you in the onset of a migraine attack, and help steer you away from potentially harmful drugs and medicines. These can trigger side effects, especially if used continuously. What’s more, your body may even develop immunity to these medicines, leading to look for new ones. Home remedies are usually inexpensive and generally easy to make, with most ingredients and components being a part of your everyday life.

One of the most effective home remedies for migraines is the wet towel. Wet a towel, squeeze the excess liquid, and pop it in the freezer for about 5-7 minutes. When it’s cold enough, lay the towel over your eyes and over the top of your head. You will notice that this brings immediate relief, especially to the area around your eyes. Another one of those good home remedies for migraines is getting a scalp massage. You can have this done by a professional massage therapist, or if one is not available at the moment, you can try massaging your own head. Apply gentle, circular strokes to the affected areas to relieve the pain.

Aromatherapy is also one of the most effective home remedies for migraines, bringing relief by simply allowing the affected individual to breathe in soothing and relaxing aromas. It must be noted, though, that not everyone finds relief in such a treatment. Nevertheless, for those who benefit from it, aromatherapy not only treats migraines – it brings soothing effects to the individual as well. The most popular oils used in migraine therapy are lavender and peppermint for their relaxing and soothing properties.

Herbal remedies make great migraine remedies and it has been shown that the consumption of fresh ginger can greatly reduce the pain of a migraine. Ginger in powder form, consumed slightly cooked, can also deliver the same beneficial effects.

Prevention is always better than cure and one of the most effective home remedies for migraines is to prevent attacks by drinking enough water. Dehydration can be one of the causes of extreme migraine attacks so make sure you get enough water in a day; the recommended daily allowance is 1 liter.

Remember that if you are a person who suffers from migraines, you don’t have to resort to medication immediately. There are plenty of natural, in-home remedies that work just as effectively, while keeping you free from any potential side effects that medication and drugs might bring. Learn how to manage your migraines and treat yourself. Remember to avoid any migraine triggers as well. With a few simple steps, you might just be surprised at how effectively you can get rid of your migraines.

Here Is How To Raise Your Credit Credit Score From 480 To 700, Home

You can raise your credit score from 480 to 700 by following a few steps listed below.

Your credit score is your financial gateway to getting the things you want in life. Your credit score is used for the following; when you buy a car, lease a car, rent an apartment, buy a home, college loans, buy the newest computers, electronics and it’s also used by insurance companies when you need insurance.

Credit scores range from 300 to 850 and any score below 500 is considered a higher risk to lenders. Trying to maintain a score above 700 will improve your chances of getting a loan for larger purchases such as a car or a house. With a higher score you can get better interest rates and terms on your loans.

Obtain a 3 to 1 Credit Report

Go to Creditreport.com to get a free copy of your credit report. You want the 3 to 1 so that you can see the complete report from all 3 credit report agencies. Check your report for any inaccuracies such as someone else using your credit or anything that shouldn’t be there. This could be identity theft and should be reported immediately.

Make sure that each of your creditors have accurately reported your information. If you find there are mistakes, draft a letter and mail it to the credit report agency along with any proof to back up your dispute. You want to get this inaccurate information off your credit report as soon as possible.

Consolidate Credit Cards

Transfer balances on higher interest rate cards to ones that have a lower interest rate. This will lower your credit score by getting rid of too much debt.

Inspect Your Finances

Pull all your finances together. Look for somewhere you can squeeze say $100.00 additional each month. Take this money and apply it to the credit card with the highest interest rate each month until you get it paid off. Then, take that money and pay off the next highest interest rate credit card, and so on.

Avoid the Top End Limit of Credit Cards

Being maxed out on a credit card can lower your credit rating. A good benchmark is only holding 30% of the max amount available on the card. If you have a credit card with a balance of $1000.00, keep the amount on that card around $350.00 to improve your credit score.

Pay Your Bills on Time

Be sure that you consistently pay all your bills on time. Paying your bills on time is the one of the main elements that the credit bureaus use in calculating your credit score. (35% of your score is based on payment history)

Pay more than the minimum due on each credit card, only paying the minimum due is a sign you could fall behind on your payments and you may be a high risk.

Close Un-Used Credit Cards

Simply destroying your cards doesn’t work. You need to call the credit card company and request that they close your account so that it no longer shows on your credit report. This will help increase your credit score.

Refrain from Requesting More Credit

Each inquiry is reported to the credit agencies and multiple inquiries can negatively impact your rating. If there are no inquiries for a 2 year period, lenders are more willing to extend credit, confident that you will not overextend yourself and default on your payments.

Using these helpful tips can help you to increase your credit over time.

Make Your Own Penis Extender At Home – The Pros And Cons Explained For Better Enhancement, Home

If you are looking to make your own penis extender you have come to the right place. Here is a guide to whether or not you should build your own stretcher at home.

It’s quite clear that you are not happy with your penis size and I congratulate you for deciding to do something about it today. If you have low self-esteem and lack confidence as result of being unhappy about your size it can affect all facets of your life… Your sex life, your relationships, your performance in sports and also your confidence in the workplace.

You have obviously already done a little bit of research yourself and have decided that a penis extender is the way that you want to increase your penis size. That is good news because research has shown that a penis extender does give permanent enhancement results.

You have probably seen the prices of some ready made extenders and have decided you want to make your own from scratch. Although that may sound appealing to you here are three reasons why it is not recommended that you make your own penis extender:

1. You must where a penis stretcher device for 6 to 8 hours a day for at least three months. In order to do that it must be comfortable. If it is not you will not wear it and you could actually cause yourself injury. A quality penis extender device has many built-in features especially for your comfort. As you can imagine, how you actually attach the extent device to your penis is a very gentle and delicate task. A band or loop will not pull off the job. If it is not correctly calibrated you will actually end up cutting off circulation to your penis and damage it. Alternatively, the band can sleep which will not give you the results that you are after.

2. Another important consideration is the sturdiness of the traction device. It does look very simple when you see pictures of it, however, there have to be specially formulated adjustable rods at both sides, there has to be an attachment loop for the head of the penis, and also a comfortable place to rest against your body. If any of these three things are not fastened properly the whole device can actually collapse which can lead to the most embarrassing situation, as you can imagine.

3. When you make your own penis extender at home chances are that you will adjust it far too quickly. With a quality penis extender there is a set schedule of adjustment that increases as your penis size increases – but at a rate has already been proven by science to be safe. When you build one yourself you will not get a sure jewel which means you’ll be on your own. This can lead to permanent penis damage and erectile dysfunction which obviously is not something you want.

I have been researching penis extenders for many years now and I know there are some that are extremely expensive, however, there are some that are much cheaper than you think. And as you are after the maximum gains you may also be interested to know that research has shown that the best way to increase your penis size with permanent results and the 3 to 4 inches in game that you are after, and the quickest way to do it, is actually through a combination of a penis extender and penis supplements. Having a four in one system or a combination thereof will give you the enhancement that you are after as well as the many sexual benefits of taking penis pills that you may not be aware of.

Number one – more intense orgasms.

Number two – faster erections.

Number three – longer lasting erections.

Number four – an increase in semen volume.

Number five – nine more embarrassing premature ejaculation.

Number six – being able to have sex a number of times on the one occasion.

Surveys conducted by women have shined that not only is penis size important but also is your ability to last longer in bed and to give the sexual satisfaction that she desires. Now that you are fully aware