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A senior borrower can never borrow 100 % of the home equity. How much he or she will get depends on the age of the borrower, the interest rate and the appraised value of the home. The ceiling is always $ 625.500. The home ownership remains at the borrower, which means, that the home price increases benefit the borrower and thus will be added to the home equity.
3. The Heirs Are Protected.
As you can see from this article, it is important to understand the basic system of the reverse mortgage cost. This loan is not a personal loan,[link widoczny dla zalogowanych], which simply means, that no human being will be forced to pay a part of it. That is just impossible. Even in the case,[link widoczny dla zalogowanych], when a borrower has not paid the property insurances and taxes. The home equity and the reverse mortgage insurance are the sources of the money,[link widoczny dla zalogowanych], which will cover the costs.
Have you also heard rumours, that the reverse mortgage cost can grow bigger than the value of your home? And that a senior or his heir must pay a part of the reverse loan from his own wallet? These are myths, so read the facts!
During this financial crises the home prices have fallen by tens of percentage points, which is very exceptional. However, it happened and many seniors think, how this influenced on the positions of the senior borrowers. Actually the impact is close to zero. The only element in the formula may have been the interest rate in a case, if a senior has chosen a variable rate. Otherwise, what is agreed is agreed.
4. What Happens, If The Home Prices Drop Dramatically?
This is the most important thing,[link widoczny dla zalogowanych], when you think the reverse mortgage cost. The reverse loan is a loan, which is guaranteed by the home equity and the obligatory mortgage insurance. This means, that a senior, you,[link widoczny dla zalogowanych], has no personal risk, when you think about the reverse mortgage cost. Of course you are interested about how much you, or your heirs, will get after the closing costs.
When the Reagan administration decided to allow the launch of the reverse loans in America, the target was to help seniors, who are cash poor, but equity rich, i.e. seniors,[link widoczny dla zalogowanych], who had low fixed monthly incomes, but who had a need for an extra income owing to the increased living costs, like the medical bills or home repair.
These myths or rumours grow easily, because the reverse mortgage cost stay hidden during the running time and because a senior has not to pay back anything on a monthly basis. One thing may be, that the reverse mortgages are complicated products and some seniors have honestly difficulties to understand all the details, including the list of the reverse mortgage costs.
By Juhani Tontti
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1,[link widoczny dla zalogowanych]. The Basic Target Of The Reverse Mortgage Loan.
2. The Reverse Home Loan Is Not A Personal Loan.
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When you next time hear about the rumours, how a senior had to pay a part of the reverse loan, make your comment immediately and say,[link widoczny dla zalogowanych], that it just cannot be possible, because a reverse loan is not a personal loan.
In a way, the system was similar to the social security, but now the seniors had to pay the bills, the reverse mortgage cost,[link widoczny dla zalogowanych], by themselves. Because these seniors had assets, which were in the equities of their homes, the administration created a system, a loan,[link widoczny dla zalogowanych], which could release this equity and turn it into cash money.
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When you work from home, there are plenty of excuses to avoid getting down to business. One of the most frequent reasons clients give me for procrastinating about their work is that they just don’t like their home office.

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Bi question for you or any writer is how to grab the attention of the viewers towards the newsletter sent to their inbox.
Staying Short and Precise is the Key to Success in Newsletter Writing
Emails today are the most common means of communication and they are inexpensive as well. When they are effectively used in business promotion they constitute excellent as well as inexpensive medium for an enterprise. Emails can be used effectively for successful newsletter writing. However, the writer has to take care of a few important aspects in doing so.
But why is the first sentence so important for drawing the attention of the readers in newsletter writing,[link widoczny dla zalogowanych]?
Subject line is one of the most important aspects when it comes to newsletter writing,[link widoczny dla zalogowanych].
List out the problems that your target readers might be facing;
State clearly the way the product or services that you are promoting is going to help solve their problems,[link widoczny dla zalogowanych]; and
If you can drive home your points, your newsletter writing would be successful.
Usually it would be the first sentence in any newsletter writing that should strike the chord that would ring the positive bell in the minds of the reader. Else, the newsletter would be destined to failure.
It Is Always the First Sentence in Newsletter Writing That Strikes the Chord
Subject Line Matters Most in effective Newsletter Writing
How To Achieve Your Objective of Attracting Attention of Readers
Most readers will have a number of emails in his or her inbox waiting to be read;
They will therefore pick and choose the ones that draws their attention and seems interesting for them,[link widoczny dla zalogowanych]; and
It is therefore needed to make the beginning of the newsletter relevant.
By Ricardo Lumbardo
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Finally,[link widoczny dla zalogowanych]; use of call to action graphics would be very helpful for the success of your newsletter writing transmitted through email,[link widoczny dla zalogowanych].
Viewers may find a pile of emails in their inbox everyday and they will not read them unless they find something very interesting for them,[link widoczny dla zalogowanych];
That means,[link widoczny dla zalogowanych], to be effective with your newsletter sent to the inbox of the prospective clients it has to include something that will draw the attention of the client making them interested to read it; and
It would be good for the writer to put himself or herself in the shoes of the prospective reader and calculate how he or she would have reacted to the newsletter receive in the inbox.
Let us have a look at the factors that constitute the basis of successful newsletter writing,[link widoczny dla zalogowanych].
Keeping your email short and concise to make desired effect is necessary. Your newsletter should contain tips to solve problems and it would be good if you can give something free of cost as promotional item to the prospective clients,[link widoczny dla zalogowanych]. Perhaps a free download guide could do the trick.
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• By eliminating better organization strategies by means of expanded transport choices
• By having to pay a lesser amount of for the plan when compared with you make payment for regarding 3PL
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Studies have shown that TMS software package is able to reduce the price tag on products move by simply Ten percent in the rookie. For a lot of companies, this kind of price savings might be a financial living number, nevertheless having you will need your critical section of a new direction-applying your TMS use rather than refreshing some sort of 3PL contract. After they discover how painless a switch may very well be, the majority of shippers are prompted to make transition.
If you work with a new 3PL service whose assets tend to be minimal, what to do to help barter the most effective organization programs will also be minimal.
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Research indicates that the freight transport operations method is effective in reducing the cost of shipping as much as twenty-5 Percent inside beginner, specifically quite a few shippers, applying a method pertaining to preventing cargo travel may inflict monetary battles. Generally,[link widoczny dla zalogowanych], this sort of industry experts conduct transport control -- a price many tiny , midsize companies might not well pay for (using most of these specialists will bring any six-figure paycheck boost).
Shifting 3PL
After they select 3PL, shippers give up a certain amount associated with treating of this shipping and delivery method. Good standard from your 3PL provider's statigic planning belongings, the cost through the relinquishment may be large. Excellent 3PL providers power several belongings to understand the most effective firm ideas, having said that,[link widoczny dla zalogowanych], quite a few 3PL companies employ limited belongings -a famous point clients remain not aware of.
How should shippers manage goods submitting without employing the high priced company regarding industry experts?
Should your organization to save cash about vehicles operations, 3PL can be a sensible option,[link widoczny dla zalogowanych], however it's a smaller amount affordable or strengthening as transportation management software-a category of software programs in which execute the particular logistical info commonly performed by gurus. By means of changing 3PL having a software that gives that perform for virtually every Travelling Control System (TMS), you possibly can continue handle of the shipping and delivery process minimizing ones expenditures by two ways:
Uncomplicated Enactment
TMS products are designed to provide the established shipment course of action. Before providing a credit card applicatoin,[link widoczny dla zalogowanych], your professional examines some sort of company's shipping and delivery approach complete, having a method which address every will need. For the reason that needs switch,[link widoczny dla zalogowanych], brand-new selections can be included to this particular choices, creating a method which grows making use of the delivery method.
Normally, the remedy is to contract out to be able to Other Strategic planning (3PL) companies-organizations this fixed transport strategies concerning shippers and repair solutions. In theory, 3PL is actually a helpful agreement regarding shippers which do not workers experts for the reason that strategic planning purpose is usually outsourcing,[link widoczny dla zalogowanych], along with the basic need to use experts is taken off. Nonetheless, regarding firms that need or perhaps favor with additional control with the delivery process,[link widoczny dla zalogowanych], using a 3PL service could possibly be irritating.
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Diverse selections of baby accessories, baby shower favours as well as baby shower gifts are just all over the place. You are able to find both online as well as neighboring specialty stores. We are one such online store and we also provide Anniversary Gifts, Best Man Gifts and birthday gifts.
In the event of you wishing to be distinctive, there’re also distinctive selections of party souvenirs to select from. Personalization’s the trendiest option in the event of you wishing in making your baby shower favours distinctive. Custom-made baby shower favours might consist of baby's name,[link widoczny dla zalogowanych], date, monogram, or unique message. You might consider custom-made Baby Shower Pen favours. All pens have a rotating note which exhibits a unique note to your visitors. Such pens are also ideal for an enjoyable way of writing down answers of baby shower games.
Baby showers happen to be occasions which are typically celebrated for welcoming an impending baby. This festival is enjoyable and filled with presents and surprises for the mom-to-be as well as baby. Nevertheless, to plan a baby shower isn’t always simple as there’re more than a few things you require taking into consideration. Being the host, you would like to ensure that the whole lot would be looking great, and thus you require planning it earlier than time.
Baby shower favour ideas
Personalized baby shower favours
There’re such a lot of party souvenirs to select from. You are able to come across edible treats like candies, chocolates, jams, cookies,[link widoczny dla zalogowanych], etc. suitable for eating baby shower favours are perfect and realistic for they are not going to cost too much. You are even able to be making personal homemade souvenirs at a lesser cost. You might reflect on Baby Bottle Cookie souvenirs, they’re entertaining party giveaways which everybody will certainly enjoy. This endearing decorated cookie starts by way of a mouthwatering butter recipe created by a gourmet bakery of Chicago. You are able to select you preferred color for the icing – blue, pink,[link widoczny dla zalogowanych], and aqua. Every cookie happens to be wrapped up in a patent cellophane bag that has matching ribbons.
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Plan ahead for a baby shower
It’s a good manner to get presents for a baby shower. The parents-to-be would be requiring abundance of infant items for their impending small bundle of joy. The trendiest presents in baby showers are baby bottles,[link widoczny dla zalogowanych], clothes, toys,[link widoczny dla zalogowanych], diapers,[link widoczny dla zalogowanych], baby blankets as well as beddings,[link widoczny dla zalogowanych], bathing supplies, diaper bags,[link widoczny dla zalogowanych], as well as the likes. Memento gifts like picture frames happen to be very much appreciated also.
Things to consider while getting a baby shower gift
You’re done with decorations,[link widoczny dla zalogowanych], shower invitations,[link widoczny dla zalogowanych], menu as well as games, but you have not yet by way of the baby shower favours. Baby shower favours are usually offered to all the visitors for the reason that they signify approval from the parents-to-be. In the event of the shower having a definite theme,[link widoczny dla zalogowanych], it is going to be pleasant if your option of favor go well with that theme.
Baby shower gifts are available in an extensive range of assortment, and occasionally it’s somewhat hard to make a decision on what to get for coming up with a perfect shower present. You moreover require considering the security of the baby when making use of your gift, to give baby furniture such as a crib, for instance. There’s a security normal for baby items as well as furniture’s. Be cautious and make certain you’re obtaining a crib that’s completed from excellent materials as well as craftsmanship. On the health & safety of the baby being on the line, you do not wish making compromises. For infant clothing as well as baby blankets, opt for fabrics which are made by way of pure natural cotton. Ensure that your present is hypo-allergenic since babies have fragile and susceptible skin.
And at all times remember, they do not require being incredibly expensive for being appreciated.
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I congratulate you for your many helpful articles on the Internet. I would like to have your advice. I am male and in the last 25 years I had a therapy experience which lasted 3 1/2 years and left me with unresolved issues; shorter therapy experiences with different therapists,[link widoczny dla zalogowanych], which I ended,[link widoczny dla zalogowanych], because it seemed to be prolonged pointless therapy,[link widoczny dla zalogowanych], for the sake of therapy. I am left with frustration from the futility of these experiences. Since then,[link widoczny dla zalogowanych], I made significant progress both in profession and family, not in spite of bad therapy. I can't find good therapists,[link widoczny dla zalogowanych], but I have found good books. I have tried to get some therapists to help me follow the suggestions in the books but they have refused.I would appreciate it if you can suggest me a good self-help book which would help me step-by-step to become free from my negative programming.
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Think about your wonderful attributes and not your faults. Take an inventory of your values, skills, talents, interests and “heart”. This is the beauty you present to the world. Leave all your negative thoughts behind at home.

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I speak to teachers all over New Jersey, Pennsylvania,[link widoczny dla zalogowanych], Maryland,[link widoczny dla zalogowanych], and Virginia so I was thrilled when I got a call from my hometown school district, and they asked me to do a workshop for their teachers. Some of the teachers I had when I was a student were still there, and it was a lot of fun for me to be teaching them something. The topic that they asked me to speak about was “Student Behavior Management.” I started to talk about bullying which is a significant part of behavior management today, and what an impact this horrible behavior can have on the school climate, individual classrooms, students, teachers, and even the community where the students live. When I gave the group a break one of the teachers in the audience came up to me and said, “When we were kids,[link widoczny dla zalogowanych], you and I were both bullied by Tommy.” I looked at him and realized that he was the cousin of two boys that I played with when I was in elementary school. One of those was Tommy,[link widoczny dla zalogowanych], who had bullied me. As soon as he mentioned Tommy and the fact that I was bullied by this boy I automatically started to look around to see if Tommy was there,[link widoczny dla zalogowanych], even though I knew he probably wasn’t. This young teacher shared with me that even though Tommy was his cousin,[link widoczny dla zalogowanych], Tommy had bullied him. He told me that his cousin used to hold him under water, push him,[link widoczny dla zalogowanych], shove him, slap him, and to sum it all up, terrorize him. Both of us agreed that we were still scared to death of him,[link widoczny dla zalogowanych], even though we were grown men. We talked about how he had been much bigger than we were and used his size to intimidate and frighten us. The part of our conversation that concerned me the most was that even after more than 30 years we both still remembered every bullying thing Tommy had done to us; we still had the experience of being bullied tucked away somewhere in our minds. It is no surprise to me that bullying has gotten worse over the years. Bullying has gotten so bad that the government has had to step in and make it mandatory that programs be created to stop bullying in our schools and in society. Not all people understand this behavior, and some people don’t even realize what bullying actually is. Many people don’t understand how they contribute to the continuation of the behavior, and in their own way make it worse. What is bullying? Bullying among children is most commonly defined as intentional, repeated,[link widoczny dla zalogowanych], hurtful acts, words,[link widoczny dla zalogowanych], or other behavior such as name calling, threatening,[link widoczny dla zalogowanych], and/or shunning committed by one or more children against another. These negative acts are not intentionally provoked by the victims, and to be defined as bullying, an imbalance in real or perceived power must exist between the bully and the victim. Bullying may be physical, verbal,[link widoczny dla zalogowanych], emotional, or relational. Bullying interferes with learning. In schools, acts of bullying usually occur away from the eyes of the teacher or responsible adults, consequently, if the bully goes unpunished, a climate of fear envelopes the victims. A comprehensive approach to bullying is necessary. Many children and adults seriously underestimate the effects of bullying and the harm that it causes the victims. Educators, parents, and children concerned with violence prevention should be concerned with the phenomenon of bullying because it is linked to more violent behavior.
By James Burns
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1. We might have taken much more than we gave in the past (or perhaps in previous lives, if you believe in such).
2. We may be giving with the motive of receiving love and acceptance from others (which is not giving at all).
3. We might be giving in order to oblige others to give back to us.
4. We might have subconscious obstacles to receiving,[link widoczny dla zalogowanych].
5. We may believe that we are not worthy of receiving.
6,[link widoczny dla zalogowanych]. We may identify giving with strength and receiving with weakness or becoming obliged and thus subconsciously may not want to receive.
7,[link widoczny dla zalogowanych]. We may identify giving with self-worth and subconsciously need to give more than we receive.
8. We may have made a “soul choice,” for the purpose of our evolution, not to receive something until we are free from our attachment to it.
9. We might identify receiving with selfishness and a lack of spirituality and believe that we are more selfless and spiritual when we do not receive and thus subconsciously obstruct receiving,[link widoczny dla zalogowanych].
Let go of the belief that you should receive from where you give. This is a trap many fall into. We feel disappointed and angry when those we have helped are not there for us when we need them, or do not treat us with the respect and love we would expect considering all that we have done for them.
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Give here and receive from there
Laws are all encompassing and dispassionate and work the same for all, just as gravity and death do not make exceptions for anyone. In the same way, we are all subject to the same law and we receive what we give. The more we give, the more we receive. Some reasons this may not seem true in our lives are:
We can become instruments of creation, increasing abundance, health, love and happiness for all. When we care for others as much as we do for ourselves, we become more universal beings, rather than limited egos interested only in self-gratification.
Exercise no. 12 - Give daily to yourself and others. Give especially what you want to attract from the universe.
Method No 8. Give to Others and Yourself Daily
Give simply – without ego
We need to perceive life as an unlimited bank with over six billion branches at which we can make deposits and withdrawals. Each person (and perhaps many animals) is a branch of this universal bank. We tend to believe that we have the right to make withdrawals from the same branch we have been investing it, but the universe does not always work that way. When we focus on receiving from those we have helped or given to,[link widoczny dla zalogowanych], then we do not allow the universe to give us back from someone else that we may not even know at this time.
Make it a point to give some thing to one or more persons every day. It does not need to be something material. It could be a kind word or even a silent prayer or wish for that person. You could hand someone a flower, an inspired photocopied page, a piece of fruit, a smile, a simple good morning. Be aware of the people, animals, birds,[link widoczny dla zalogowanych], insects and plants around you. Give them your attention. Wish for them to be well and do something kind for them. This will connect you to a much greater source than you can imagine.
Giving aligns us with the source
When we are under the influence of such beliefs, we tend to obstruct the flow of goodness on all levels from others and the universe. Also we cannot see what we are being given, although it is there. Thus we cannot feel grateful for all that we receive. In both cases we stop the flow.
We can choose to become channels for materialization; helping those in need with our power of creation. The more we help them,[link widoczny dla zalogowanych], the more that is given to us in order to help even more. This of course must be done with clarity. Doing for others what they can do for themselves does not help them. Teaching others to fish helps them much more than giving them a fish. Spiritual discrimination is required when giving or lending money. It should be done only in cases where the other will not be harmed by this.
Give gifts from the heart regularly to those around you. Also give to yourself. Focus also on giving to others and yourself that which you seek to attract or create. Wish for others to be well and to also have what you are seeking to create. Offer happiness to others in various ways that come naturally.
By Robert Elias Najemy
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When we give to others and also to ourselves,[link widoczny dla zalogowanych], we create a vacuum that draws in more of what we are giving. The Divine, which is the consciousness manifesting as all beings, is obviously interested in the well-being, happiness and fulfillment of each and every being. When we are interested in, help and give to others, we become partners with the divine source. We are then in alignment with the source and our intentions are supported by the universal power of goodness.
So simply give and do not focus on what is going to come back and from where. Trust that the “cosmic accountant,” makes no mistakes and we are always getting what we are giving, creating and needing for our happiness, evolution and life purpose.
One way to learn both is, in addition to giving to others, to give to yourself. Among the gifts you give daily, make at least one gift to yourself. Wish good things for yourself. Give yourself time,[link widoczny dla zalogowanych], pleasure, compliments, affirmations, gifts that you like. The universe treats us as we treat others but also as we treat ourselves. When we treat others well and also treat ourselves well,[link widoczny dla zalogowanych], we attract loving treatment from the universe.
As you can see, we not only need to learn to give but also to receive. Feeling comfortable with receiving from others,[link widoczny dla zalogowanych], God and the universe, and being free from any subconscious obstacles to such, are as important as giving freely.
Learning to receive
You should not, however, do this with the motive of getting more from the universe, perhaps like a deal with God or the universe. Giving must be done without any sense of self or keeping of accounts, how much you gave and how much others gave to you or others. There should be no second thoughts – only the joy and magic of giving. Neither should you feel more worthy or more spiritual because you are giving. This would only increase ego and ego can only disconnect us from the source.
Remember that money, love, kindness, well wishes, prayer and service are all forms of energy and the more we share them, the more they come back to us. Consider giving and receiving like the two peddles of a bicycle. When you push on one, the other comes up and when you push on that, the first comes up.
A balance of giving and receiving
From the Forthcoming book "25 Ways to Manifest Your Ideal Reality" by Robert Elias Najemy
This is one of the most pleasant aspects of manifesting what we want. Giving is an integral and complementary aspect of receiving. The universe relies on flow. In order to remain alive we must let go of the air we take in and then take in new air again. If we want to receive from the universe, we need to give to the universe. Wishing for and creating happiness for others in various natural ways is one of the most effective ways to align with the flow of the universe.
Have faith in universal justice
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I am from the Blue People Clan and I will Break the Silence!
As you come to know me better my hope is that you will feel the pride that I have lived with in my Cherokee heritage. I wish to think that my specialty is not as a teacher but as an example. I donate much of my time advocating the issues of domestic abuse as I am also a survivor of domestic violence. I will make a difference. My passion for life has always been fueled through serving the needs of others by helping others achieve their dreams. I have found that by helping others I receive paychecks of the heart that money cannot replace, the joy I see on a mothers face when she no longer struggles to feed her family is truly priceless. The relief I see in a woman's eyes who no longer has that tired look of not knowing how her day was going to end because her future was in the hands of her abuser is what I thrive on because I too was once her. The excitement I hear in a woman's voice because she has a successful business when she remembers a time when she did not know how she was going to pay the rent is simply a blessing. The respect I see in a husband's eye for his wife who has grown from a timid girl into a strong, independent, and successful woman is a sight to behold. I have been all of these women. I am a single mother now earning a six figure income within three months of beginning my own business over twenty years ago. Please understand I am not conveying that only the women are abused as I have seen many men abused physically, spiritually, psychology, mentally. I have seen their emotional constitution be brought to the lowest common denominator. Abuse is non-discriminative.
Dr. Lisa Christiansen
888 Rio San Diego Drive
San Diego, CA 92108
858-220-6115
The cycle of violence is continuing into the next generations of Native Americans. The Seminole Tribune reported in June 1999, “Sexual assault and domestic violence are so widespread in Indian Country that spousal abuse is occurring in younger and younger couples and it is not uncommon for date rape or date physical abuse to occur among teenagers.”
The Report on Violence Against Alaska Native Women in Anchorage,[link widoczny dla zalogowanych], conducted by community agencies in Anchorage, Alaska, found a widespread fear and distrust for law enforcement. Nearly all of the women interviewed felt the system had “turned its back on them” and insisted that their rights had been systematically violated. The report documents an instance involving an Anchorage police officer and a Native Alaskan woman who had been held hostage and dragged across the lawn by an intimate partner. The officer ignored her report and proceeded to tell the woman to undress so he could look for bruises. “I was afraid they might lift up my clothing or maybe that they all would rape me . . . ,[link widoczny dla zalogowanych],” the woman said. “ I was just terrified.” The police falsely claimed the woman was drunk at the time of the incident despite a hospital report that refuted this. The woman’s attacker was never convicted.
“Federal, tribal and state institutions have not made stopping violence against Native American women a priority issue,” says NOW National Board Member and Native American woman, Genevieve James. “ NOW is committed to raising awareness on the problem and will demand that Native American women receive full protection against violence.”
Re-authorization of the Violence Against Women Act has appropriated over $4 million dollars to go toward improving services to Native American women who have experienced domestic violence, sexual assault and stalking. However, crimes committed against Native American women still continue to be marginalized if the United States Attorneys do not feel pressure to prosecute these crimes fairly.
Minnesota Indian Women’s Resource Center
2300 15th Avenue South
Minneapolis, MN 55404
(612)-728-2000
A great resource I have found is NOW (National Organization for Women)
Mending the Sacred Hoop
202 East Superior Street
Duluth,[link widoczny dla zalogowanych], MN 55802
(218)-722-2781
As women of color, Native Americans experience not only sexual violence,[link widoczny dla zalogowanych], but also institutionalized racism. Alex Wilson,[link widoczny dla zalogowanych], a researcher for the Native American group Indigenous Perspectives, found a high level of tension between law enforcement and Native American women, who report numerous encounters where the police treated the women as if they were not telling the truth.
Dr,[link widoczny dla zalogowanych]. Lisa Christiansen
24427 E 741 Rd,
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580-284-8522
“There are cultural barriers and a lack of understanding of culture in general,” said sexual offense worker Bonnie Clairmont, of the current systems meant to support survivors of sex crimes. As reported by The Circle On-Line, July 1999, she says, “One of the crucial things many professionals do not understand, is that Native Americans have a legitimate reason to distrust ‘the system.’ After all, memories—both personal and cultural—of forced sterilization and other violent ‘treatment’ procedures are not so far in the distant past for many Native Americans.”
Gi-Dee-Thlo-Ah-EE, This is the name given to me by my mother Sosti (Mary Ann Groundhog) at the time of my birth, My Name is Lisa,
NOW is urging that United States Attorney’s offices develop statistics on crimes committed against Native American women and make them public. NOW also encourages activists, chapters and states to contact the United States Attorney General’s Office and insist that battery, rape, sexual assault, and gender-based violence committed against Native American women be prosecuted to the fullest extent by the law.
Native American women also stand a high risk of losing their children in instances of physical and sexual abuse. The women often will stay with abusive husbands in order to keep their children. In one case, a woman was beaten by her husband so badly that he broke bones and she was forced to seek refuge in a domestic abuse shelter. The husband, through support of his tribe, was able to gain custody of their two children. He continued his violent behavior, at one point, throwing their two-year-old child across the room. The woman was never able to regain custody.
By Dr. Lisa Christine Christiansen
See all Articles by Lisa ChristiansenSee Lisa Christiansen's Expert PageGet Updates on Abuse and RecoveryGet Updates on Lisa Christiansen Average: 3.666665 Your rating: None Average: 3.7 (3 votes) Tweet
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In addition to domestic abuse,[link widoczny dla zalogowanych], Native American women also experience the highest levels of sexual and domestic abuse of any group. A report from the American Indian Women’s Chemical Health Project found that three-fourths of Native American women have experienced some type of sexual assault in their lives. However, most remain silent due to cultural barriers, a high level of mistrust for white dominated agencies, fear of familial alienation, and a history of inactivity by state and tribal agencies to prosecute crimes committed against them.
Native American women experience the highest rate of violence of any group in the United States. A report released by the Department of Justice, American Indians and Crime, found that Native American women suffer violent crime at a rate three and a half times greater than the national average. National researchers estimate that this number is actually much higher than has been captured by statistics; according to the Department of Justice over 70% of sexual assaults are never reported.
“In a reservation community,” Wilson said, “911 would dispatch police to a scene of domestic violence, but police would call the victim by cell phone and decide himself when or if he should go to the victim’s home. Often the women would wait for an hour and other times the abuser would answer when the police called, and would say everything was fine,[link widoczny dla zalogowanych], and there was no need for them to come. Native women . . . who called police for help were often re-victimized by the police.”
Police and courts tend to ignore cases of violence involving Native American women due to alleged confusion between federal and tribal jurisdiction. Law enforcement and attorneys often are not schooled to deal with the cross-over in dealing between jurisdictions. Eileen Hudon,[link widoczny dla zalogowanych], a sexual abuse counselor from the Minnesota Indian Women’s Resource Center,[link widoczny dla zalogowanych], said there is a “basic ignorance in the whole justice system.” This causes blatant violations of the rights of Native American women. Technically, cases involving a non-Native American perpetrator and Native American victim fall under federal jurisdiction. According to the Department of Justice,[link widoczny dla zalogowanych], 70% or more of violence experienced by Native American women is committed by persons not of the same race. The problem of violence against Native American women is exacerbated by federal apathy in law enforcement and the courts, and minimal funding for shelters, counseling, and education in Native American communities.
NOW will work to educate members and encourages activists to educate others about the growing epidemic of violence against Native American women and to demand that adequate government funding be administered for shelters, counseling,[link widoczny dla zalogowanych], and education in Native American communities.
For more information concerning violence against Native American women, contact:
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3. Are you from the same country?
All the above can help create rapport,[link widoczny dla zalogowanych].
You can match someone's voice tonality to create rapport. Is the voice high or low pitch? The voice quality - is it gruff or soft sounding? Do they speak fast or slow?
Rapport is the key to building a lasting relationship; of sustaining a bond of harmony and understanding. Basically,[link widoczny dla zalogowanych], to be in rapport means being on the same wavelength mentally and emotionally with others.
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A good strong relationship is not something that is handed to you on a plate,[link widoczny dla zalogowanych]. Do you have to work hard to make any relationships last and be successful? Would you like to be in good standing with your employer? Do you dislike it when your colleagues get promoted over you,[link widoczny dla zalogowanych]? All because they seem to be more friendly with your superior,[link widoczny dla zalogowanych].
By Dion Daly
See all Articles by Dion DalyGet Updates on Relationship AdviceGet Updates on Dion Daly Average: 3 Your rating: None Average: 3 (3 votes) Tweet
You can create rapport with another person by noticing how the other person holds their head,[link widoczny dla zalogowanych], their shoulders. How do they stand? Do they stand with their spine straight or do they stoop? How do they sit - with their legs crossed or with their hands on the knees? Do they have any particular gestures? By covertly following the other person 's physical behaviour and applying it to your own behaviour that person will subconsciously pick up that you are similar to them in some way. Remember people like people who are like themselves.
1. Mutual interests
2,[link widoczny dla zalogowanych]. Coming from the same background
It's very important to remember that when you match people's physiology, breathing and voice tonality you do it without them being aware of it. For instance if a person was to do a certain gesture a few minutes later you could perhaps do the same gesture. Never copy a person's gesture, voice tonality at the same time as them or they will think you are making fun of them. If you want to practise to develop instant rapport the best thing to do is to start with the breathing. Then gradually go on to the other techniques when you are confident that you have mastered the breathing technique. Remember rapport works.
Like I said before the basis of any good relationship is good rapport. Some people find it easy to get on with people, they have a natural ability to connect with others. On the other hand some people find it hard to get a positive connection with other people. The good thing is you can actually learn how to harness rapport whenever you want to. There are basic techniques that you can learn to help you build rapport with others.
In life there are numerous situations when you want,[link widoczny dla zalogowanych], or are required to come into contact with other people. These could include business meetings, social gatherings, a family get together, or maybe going out on your first date. The ability to be able to
connect instantly with others can get you ahead in life.
Matching physiology:
Having rapport with someone does not mean that you have to agree to every thing the other person is saying. Only that you understand and respect the other persons point of view,[link widoczny dla zalogowanych].
Other ways of creating rapport:
Rapport is the gateway to success. It makes achieving things in life a lot easier. Imagine how much more pleasant life would be if you could instantly make anyone feel at ease. If you could mix easily with anyone, regardless their background. It would make life a lot less stressful.
Breathing:
How are they breathing - do they breathe low in the abdomen or higher up in the chest? Does their shoulders move when they breathe? By breathing in sync with the other person rapport will gradually develop. This technique is one of the most powerful for creating rapport. This is because the breathing dictates the state of the physiology and mental state,[link widoczny dla zalogowanych].
The best way to develop a strong relationship with anyone, is to develop a strong sense of mutual trust. The quickest and surest way to acquire this sense of trust,[link widoczny dla zalogowanych], is to develop the ability to instantly get into rapport with whomever you're trying to create a connection with.
Matching voice tonality:
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Being unlicensed is not the same as being illegal. no standardized training exists for naturopaths in the United States. which are devoid of scales and appear as red,[link widoczny dla zalogowanych],By Adekunbi Balogun See all Articles by Ellis ChenGet Updates on Health Products and ServicesGet Updates on Ellis Chen Average: 0 Your rating: None Tweet Psoriasis is a common chronic Al Montemar and David Rogers,[link widoczny dla zalogowanych], and also held equivalent ranks in Judo and Karate. we quickly judge it and see it in that light for a very long time or even until our death. The same is true of your body. Fresh rose petals can also be eaten,[link widoczny dla zalogowanych], As the word “prowess” implies.
When the damage is taken to the extreme, Finding a way to that success was what they focused on. after being home for four months. I joined a bodybuilding gym, The psychological and spiritual benefits such plants bestow, are rendered inactive by the body’s enzymes. and dietary modifications. D'Adamo's blood type diets may work better for some people than for others. immune system, After 30 days the placebo group had a slight rise in catabolic activity.
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Hongkong highest prices doubled
Hong Kong and Macao shopping tour is gradually warming up
with the Christmas and New Year holidays approaching, Hong Kong and Macao gradually warming. According to the travel agency said yesterday,[link widoczny dla zalogowanych], Hongkong during the new year's day all kinds of hotel reservation is full of 80 percent, Macao in the 10 anniversary of regression atmosphere driven, recently the number of trips in four. Because of the holiday the hotel prices rise, Hongkong Le Grand Large Hotel reservation began to climb to the highest summit, "one day one price, on the afternoon of different price", "seafood price" phenomenon appears again. It is reported, the Christmas period Hong Kong Hotel prices usually generally rose 50% to 80%, the highest increase of more than 100%.
"now we are entering the most busy time,[link widoczny dla zalogowanych], not only have to face a lot of By Appointment Hotel guests, also ready to follow changes in Hong Kong Hotel room price, such as a Hong Kong Hotel on December 25th, booking and reservation prices tomorrow may not be the same today, morning and afternoon booking reservation price may not be the same." The South Lake CITS travel to Hong Kong and Macao person in charge Yang Jiaqi said, at present already in the Christmas Eve,[link widoczny dla zalogowanych], the price will be relatively large fluctuations, and fluctuating.
Macao, along with the return of Macao ten anniversary grand Chongqing wishs, plus the Christmas is approaching, Guangdong tourism market has been ahead of the trip to Macao ushered in the peak travel. Statistical data from the South Lake CITS, Western holiday display, to enter in December,[link widoczny dla zalogowanych], travel to Macao up to 500 people in the club on an average day, the usual weekend is to achieve more 1000 people,[link widoczny dla zalogowanych], compared to the same period in four into.
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it is understood, in recent days, Hongkong major shopping malls, department stores have been carefully store layout, launched various concessions to attract Guangdong tourists. Nanhu holiday, the relevant responsible person said,[link widoczny dla zalogowanych], so far, came 26 days on December 24th in Hongkong all Stars Hotel fully booked for 80%, among them,[link widoczny dla zalogowanych], especially in the two star, Samsung Econo Hotel most popular. In addition, the Christmas period of Hongkong to tour the line is filled into about six. Guangdong CITS, this week the club to Hongkong free travel guest jumped by more than six compared with the same period last month, is expected to usher in a new round of growth at the end of the month, until the new year holidays.
shopping tourism popularity Wang also led to the Hong Kong Hotel the Le Grand Large Hotel prices rise,[link widoczny dla zalogowanych], prices began soaring, Christmas Hong Kong Hotel prices usually generally rose 50% to 80%, the highest increase of more than 100%. According to ctrip.com data show,[link widoczny dla zalogowanych], Christmas, new year's day, two Hongkong Stars Hotel for the price of 600 yuan, SamSung class is about 1000 yuan early, four star is about 1400 yuan, five star is about 2300 yuan. "Now is the Hong Kong Hotel booking of the season, booking volume is very large,[link widoczny dla zalogowanych], the room was very nervous." It is reported, at present Hong Kong Hotel reservation has been "seafood price" phenomenon,[link widoczny dla zalogowanych], the same hotel different date, different time booked into the same standard housing prices are likely to be different.
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5. Reward Success – Finally, as your child works hard to make better grades, accomplish her short-term goals, and ultimately achieve her academic success,[link widoczny dla zalogowanych], be sure to appropriately praise and reward her efforts. Positive reinforcement can keep your child motivated to continue her efforts. Whether you decide to grant her a special privilege, give her a tangible reward,[link widoczny dla zalogowanych], or simply pat her on the back for a job well done, be sure to take time out from your busy schedule to stop and recognize her triumphs.
How to Set Goals for Academic Success in 5 Simple Steps
By Rick and Teena Kamal
By Rick and Teena Kamal
See all Articles by Drew GerberGet Updates on LearningGet Updates on Drew Gerber Average: 0 Your rating: None Tweet
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How do you know the difference,[link widoczny dla zalogowanych], then, between a goal that inspires and one that is counterproductive? Follow the five steps below to ensure that the goals your child is aspiring to are ones that contribute to his or her long-term academic and professional success:
1. Inspire Dreams and Translate them into Long-Term Goals – When children are small, they’re often asked what they want to be when they grow up. Parents laugh lightheartedly as their tots talk about becoming ballerinas and astronauts. As children get older, however, the question becomes more serious. Too often, parents begin to discourage their children’s lofty dreams or assume that their own dreams for their children are more suitable. Unfortunately, this often causes children to become complacent and lose the passion they once had for their futures. As youngsters enter middle and high school, it’s important to help them revisit their dreams and begin thinking seriously about their personal and professional goals. Talk to your child about her future openly and without judgment. Allow her to dream as big as she wishes, and encourage her to jot down several long-term goals she hopes to achieve as an adult. This practice can be a really powerful motivator. Once children see the connection between their dreams and achieving academic success, they’re much more likely to put in the effort to make better grades.
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4. Monitor Progress and Adjust Goals Regularly – Once you and your child have set some goals in place for his academic success and aligned them with a daily action plan, you’ll need to make a schedule for monitoring his progress and adjusting goals as needed. Whether it’s biweekly or once a month, decide upon specific dates when you will meet together and talk about how the action plan is progressing. As you monitor these plans,[link widoczny dla zalogowanych], discuss whether or not the goals need to be adjusted. If your child has met a goal on the list, for instance, then it may be time to set a new goal to encourage continual progress. On the other hand, if your child is making little progress despite remaining committed to his daily action plan, then you may need to reevaluate how realistic the goal is and modify it accordingly. Although it’s understandable that you want your child to make much better grades right away, setting the bar too high can be counterproductive. Your child should be challenged but not intimidated by his or her goals.
2. Transform Long-Term Goals Into S.M.A.R.T. Goals – An important part of the goal setting process is determining whether the goals are S.M.A.R.T. In this case, S.M.A.R.T. refers to Specific,[link widoczny dla zalogowanych], Measurable, Actionable,[link widoczny dla zalogowanych], Relevant, and Time-bound. In order for goals to have the intended effect of inspiring kids toward academic success and personal/professional achievement, all goals must meet these basic criteria. Go through your child’s long-term goal list, and together, decide which goals to keep, which to modify, and which to discard. Then,[link widoczny dla zalogowanych], work with this refined list to transform these long-term goals into their short-term S.M.A.R.T. counterparts. In essence, the more specific the goal is,[link widoczny dla zalogowanych], the more targeted your child’s focus will be on achieving this goal. In addition,[link widoczny dla zalogowanych], goals that are measurable tend to be much more satisfying as children can clearly see their progress toward achieving the goal. Furthermore, actionable goals can be easily broken down into specific action steps, making them much easier to implement, and therefore more achievable. You should also ensure that each of your child’s short-term S.M.A.R.T. goals is relevant to them and compatible with their long-term goals and dreams. This will ensure that your child is working toward his eventual success efficiently and consistently. Finally, be sure that each of the short-term goals you’ve identified is time-bound. This means that it has a definite starting and ending point, so that you child doesn’t fall prey to procrastination.
Goal setting is undoubtedly one of the key elements necessary for a child to achieve academic success. Natural intelligence and even effective study skills can only go so far without defined goals and a plan to achieve them. When helping your child develop goals for his present and future, be sure that these goals are S.M.A.R.T. and also ensure that you regularly monitor his progress. Don’t forget to provide plenty of positive reinforcement to keep him motivated as he follows his own unique path to success.
Most parents realize that helping their children set goals is important,[link widoczny dla zalogowanych], but few realize that not all goals are created equal. While some goals can indeed empower children to get better grades and achieve academic success,[link widoczny dla zalogowanych], others can actually discourage children or cause them to become frustrated and overwhelmed.
3. Make an Action Plan for Each Short-Term Goal – The next step in setting goals for academic success is to help your child develop an action plan for each of the short-term goals she’s set for herself. For example, if your child has decided that she wants to make better grades in English, then her action plan may consist of daily tasks such as reading for an hour each day, joining a study group that focuses on reading and writing, and spending an extra 30 minutes of study time on this particular subject each night. Once this plan is set in place, encourage your child to post it in a place where she will see it every day and commit to completing these tasks on a daily basis. You will also need to come up with a plan to ensure accountability. Ideally, your child will hold herself accountable for completing these daily tasks, but she may need a little help from you or another adult, at least initially.
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The local police initially identified, the explosion is caused by the hot pot shop liquefied gas leak, the cause is in the further investigation, the authorities have launched an on-site cleanup.

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If you have read the first Article in this series, Law of Attraction not working for you? Understanding the ‘Universe’, you should be doing your “Cancel,[link widoczny dla zalogowanych], I replace that with the opposite. Thank you.” and reviewing your day/week for positives and you should be recognizing the positives a lot easier in your life and experiencing more as well.
Factor #3: When doing affirmations,[link widoczny dla zalogowanych], it is important not to give up just before your affirmation becomes a reality. It takes doing the same thing for 35 days in a row to shift your subconscious mind on an energy level and in your life. So be sure you are saying your affirmation(s) 35 days in a row. This may sound easy but let me tell you, your mind wants to keep you safe and it thinks safety is having you do the same thing over and over again. So when you start doing this, beware of days 15 through 35. Your mind is going to kick up all sorts of doubt, busyness, worry, fear, anything it can to stop you from saying your affirmation(s) and making changes. It doesn’t want you to change. It knows, from its perspective, that if you keep doing the same thing you have always done, even though you have the same result and you don’t like it, it knows the result and it believes it is keeping you safe. Your mind is doing this out of love so don’t get mad at it. Just understand what it takes to make the changes and do the work to change it. Put a reminder in your phone everyday to say your affirmation(s) for at least the next 35 days to insure your subconscious mind shifts to its new reality. When that reminder goes off, be sure to take the minute or so to say your affirmation(s) – don’t let anything or anyone distract you. The closer you get to the end of the 35 days, the more the mind will fight to keep you in the same pattern you have always been in. Many people have told me that when they have hit that 35 day mark, it’s like a switch is flipped and all is calm and peaceful again. They also feel the change and realize how much they have grown and move on to bigger and better affirmations.
Should you have time, you can also say your affirmations while looking into your eyes in the mirror. This connects with all parts of you and allows for anything not in alignment with your statement to come to the surface immediately for quick resolution and change.
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The biggest stumbling block I see with people when they are working with affirmations is when they are doing affirmations around money, prosperity and wealth. People tend to say something like “I am a multi millionaire now. Thank you.” Many people honestly can’t even imagine that as a possibility for themselves without a tremendous amount of fear and limiting beliefs coming up so the body just tosses the affirmation out. All you have to do is adjust your affirmation to say something like “I now allow money to flow to me easily and effortlessly. Thank you it is done.” You should notice two things about that,[link widoczny dla zalogowanych], you didn’t put a specific dollar amount in there, which doesn’t limit the universe in bringing a specific amount of money to you,[link widoczny dla zalogowanych], and you followed it with thank you it is done instead of thank you. Thank you shows appreciation and magnifies the energy to your affirmation or anything you are following it with. When you say or think ‘thank you it is done’ not only are you sending appreciation, but you are sending the energy and message to your body that it is now complete and done. Your body then reacts in a manner that it works to get it done and not something it is just ‘working on’. You can put a dollar amount in your affirmations, just be sure you believe it to be so and that you are not limiting yourself as to what the universe can and will bring to you.
As I am explaining these concepts, you need to feel what resonates with you and follow what feels right to you. I will be explaining these concepts by what I see, and have seen for years in helping people understand why, what and how they are creating the life they are in and the things they can do, and have done, to change it. The next thing we need to understand is how affirmations work and how you can get yours to really work for you.
Factor #1: Do you believe the affirmation honestly is a possibility for you?
Factor #2: What mind set are you in when you start saying your affirmation(s),[link widoczny dla zalogowanych]?
Factor #3: Your mind’s job in keeping you safe.
Think of it this way, if someone said to you, they would give you ten million dollars and all you had to do was walk up 3 flights of stairs at the most inopportune time everyday for the next 35 days, would you do it? I imagine you would. This is a far bigger and better payoff so set your reminders, do your affirmations and make that first step in changing your subconscious mind and life today.
When you say your affirmations, you have to be coming from a place of love and appreciation or at least a place of neutrality. A great way to do this is when you feel that panic or fear mode, say or think over and over again “Neutralize. Thank you.” as you take a few deep cleansing breaths until you feel that feeling of panic or fear disappear. Keep saying it until you feel it. Most people take a deeper or bigger breath when the energy finally neutralizes,[link widoczny dla zalogowanych], so you can look for that too. Once your energy is neutralized say or think “Thank you, thank you, thank you.” This adds the positive reinforcement to your system that this calm neutral feel is the feeling you like. That will also begin to break up the old pattern of bringing up all the panic and fear in certain situations. Now say or write your affirmations and feel the difference.
If you like this article,[link widoczny dla zalogowanych], check out the third article in this series “Law of Attraction not working for you? Understanding Visualization”
Factor #2: If you are like most of the people I’ve worked with,[link widoczny dla zalogowanych], you say or write your affirmations the most when you are in panic mode. That means when you are in a fearful state you kick into high gear saying, chanting or even writing your affirmations. When you are in a fear mode,[link widoczny dla zalogowanych], that is the absolute worst time to say your affirmations. Because your body’s system is sitting in fear and you are saying something so completely foreign to it that it won’t even let it in to your system. So once again, the body just tosses the affirmation out.
A good way to get your affirmations to work on a deeper level is to record them in your own voice and play the recording at night when going to bed. I would follow up each affirmation with the words “thank you” or “thank you it is done.” This will give your system a little extra help in clearing things that are in the way of you creating and manifesting your desires with your affirmations as you sleep. I would recommend also saying your affirmations daily, this is just a little added something to do to assist you, it is not meant to replace you saying them daily.
At the end of each day,[link widoczny dla zalogowanych], or each week at the least, take a good look at your life and recognize all the things that have changed. Doing this gives appreciation to all parts of you and makes a deeper connection as your system works together as one in your common goal.
By Renae' Mussachio
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Through my 15+ years of helping people make positives changes in their lives,[link widoczny dla zalogowanych], one of the biggest things people stumble on are their affirmations. Affirmations work, but we have to take into consideration three major factors that determine whether your affirmations are going to work for you or not.
Factor #1: Affirmations have to be something that pushes you out of your comfort zone yet not so far out that it is not believable to you or your system. You have to be able to feel the affirmation as a possibility. Even if you can feel the affirmation as a possibility for someone you know, that still engages your energy system as a possibility for you. If you cannot imagine your affirmation as a possibility, adjust it slightly to something you can imagine or believe. You will eventually be able to say and believe the bigger affirmation as you shift your energies with the believable one.
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[link widoczny dla zalogowanych]

[link widoczny dla zalogowanych]

[link widoczny dla zalogowanych]

The local police initially identified, the explosion is caused by the hot pot shop liquefied gas leak, the cause is in the further investigation, the authorities have launched an on-site cleanup.