30 Year Home Loans

It used to be the first choice of most borrowers, because since the total payments are spread over a longer period of time with the interest rate set for the entire time of the mortgage. 30 year home loan rates are an industry standard but is it the right choice for you?

The 30 year home loan is an industry standard, but is it the right choice for you?  Because the total payments are spread over a longer period of time and the interest rate set for the entire time of the mortgage.  This was the first choice of most home owners.

As we mentioned, the plus side for a 30 year home loan is lower monthly payments.  This attraction is somewhat dimmed by the fact that you pay thousands extra in interest.  But, your interest is 100% tax deductible which does lower your after tax cost.  It offers you some flexibility so that if your financial situation changes and you have more money you can pay it off in less than 30 years, this while keeping the low monthly payments.  Your payments are smaller so in reality you can purchase a larger roomier home.

To show an example of the interest difference between 30 year home loan rates and one of the other rates.  On a 30 year, 100,000 dollar loan using 7% interest rate your monthly payment of interest and principle would be $665.30 dollars.  Over the next 30 years you will have paid $139,511.04 in interest alone.  Now with a 15 year home loan rate on the same amount you will pay $871.11 per month and over the next 15 years, you would pay $56,799 in interest.  This would save you $82,712 dollars.

If you have the will power to invest the savings from the monthly payments, it still could be a good choice to go with the 30 year mortgage.  Especially if you can find an investment that the long term payoff matches or exceeds what you would save in a 15 year mortgage.  Another factor to consider is how fast you want to accrue equity in your home or to own it out right.  30 year home loan rates take much longer to build equity.

30 year home loan rates are certainly attractive and the vast majority of home buyers get 30-year loans because that is the longest home loan available today.  Experts agree if they could get a 35- or 40-year loan, they probably would.  There are many other options to consider.  Probably the biggest question you have to ask yourself when considering a loan is what are your financial goals?  What loan plan will help you the most to reach that goal?  It is clearly to your advantage to look into other loan options for the best loan available for you and your financial goals.  It may surprise you that because of your personal situation there may be other plans more suitable for you.

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12 COMMANDMENTS FOR PARENTS

In a child’s education an important factor is the parents’ expertise for this “job”. No one is born holding all the knowledge, but we can learn and understand some things from books or advice from qualified persons.

Amongst the commandments a parent should strictly follow are the following:

1. Do not underestimate your child – he can understand more than you think he does and if you make him believe you think poorly of him this might affect his development.

2. Don’t use threat – a child loves a challenge and once threatened he might probably go on and do what he wasn’t suppose to just to see if he can escape the punishment.

3. Do not bribe your child – if you are trying to get him to learn for money for example, he will fail to understand the importance of learning, all he will get from this is the importance of money.

4. Do not make a small child promise something – small children can’t hold promises so don’t force them to lie and then punish them because they did that.

5. Do not keep them under a short leash – to grow up normally children need some space, some freedom.

6. Do not use big words or too many words when you are talking to your child – keep your ideas simple and concise so he can understand every thing you have to say.

7. Do not expect an immediate and blind obedience – it is not recommended, the child has to be learned to think for his own not to follow orders.

8. Do not indulge him too mush – he can develop compartmental disorders.

9. Do not compromise when it comes to the rules of a game – the trick for a game to become educative is too have its initial rules respected.

10. Don’t impose rules that don’t go with the age of your child.

11. Do not try to inflict quilt – quilt is not an appropriate feeling for children, especially if they are little.

12. Don’t give your child orders that you don’t take seriously – your child will try to please you and giving him an order is drastic, and it becomes cruel if that order is a joke.

All these “commandments” are addressed first to the parent. But they are to be referred to by teachers and educators as well. Along with the parents, they will settle upon an attitude and strategy for the education and growth of the child, so that they can give him all the things he needs to properly develop emotional and physically.

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Anger Management for Teens & Success

As a teen, it must be rather difficult to always be positive in every situation. Growing up in society today is challenging and teenagers are often compelled to be defensive. Teenagers are not usually compassionate individuals. They are constantly in competition and jealousy is a huge factor. The fight to always be number one is very common in the teenage world. It is unfortunate and sad since these years ought to be the best years of their lives. Teenage children are forced to grow up long before their time because of the daily challenges and obstacles they are faced with. Some young people can handle adversity very well while others are quick to build a defensive wall. When faced with confrontation, many teens lash out and become reckless, often to the point of violence and nowadays, death. 

Developing an anger management plan for teens could be difficult since teens are quick to resist advice and not always compliant with instructions. In order for anger management for teens to be successful, a program must be designed that will reach the targeted teen without being overbearing. Convincing a teenager that they have behavioral issues which need attention may be a challenge but it is essential to make them understand the importance of making a change. 

If anger is not controlled, it can control the life of the individual affected. This is unfortunate in any life including that of a teenager. Teenagers with anger issues tend to yell and scream, say hurtful things, punch walls, push other people around and even hurt themselves. It may be difficult but important to convince these teenagers that everyone can change. With effective anger management for teens, they can be a success. They can make positive changes in their lives which will ultimately make their life easier and more enjoyable. Learning to control their anger is definitely a positive change.

Anger management for teens should teach teenagers to be self-aware, to evaluate their feelings in an attempt to understand the reasons for their anger. They should also learn to practice self-control, to pause a few seconds and think about the repercussions of their reactions to situations. After thinking about their options regarding reactions, they are taught to make a choice, pick an option which will bring about effective results. After acting on their feelings, teenagers are taught through anger management for teens, to review their progress, see what the outcome of the choice was. These steps might be considered an effective lesson plan for anger management in teens. If using this plan each time they are confronted with irritating situations, eventually the teenager will be capable of dealing with confrontations much better.

Teenagers have their own minds with their likes and dislikes. Suggesting techniques like exercising, listening to music or journaling might be good anger management for teens. Success will only be achieved when the teenager is able to accept responsibility for their actions and realize they need to make changes. Using their likes as distractions may be a good tool in anger management. These may be techniques which they are willing to try when they feel angry or threatened. Helping a teenager be successful in anger management may require hours of hard work and tears, but realizing that individual is being spared from a future of recklessness and avoidable challenges is worth every second.

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Anger Management Activities are Recommended

Dealing with anger and its repercussions can be very challenging. Unaware of how to handle irritating and stressful situations may be a reason for many fits of anger and rage. Most people, with the exception of young children perhaps, recognize their problem with uncontrollable anger. Although there are many anger management activities which would enable them to better cope with confrontational situations, some people are uneducated regarding these techniques and activities. 

There are man anger management activities individuals can practice or participate in when attempting to cope with daily feelings of anger. One activity which is recommended for anger management is exercise. Exercise has been proven to have a positive impact on an individual's mood. Exercise helps an individual to decrease any negative feelings they might be experiencing. An effect anger management activity might be as simple as going for a walk or jog in the park. Visiting the gym to work out of taking part in their favorite sport may work well for an individual as an anger management activity. Taking a hike or spending a few hours in the beauty of nature would definitely allow a person to clear their head and release tension. Outdoor anger management activities would surely create an environment of serenity. 

Anger management activities such as attending a support group, camp or retreat would certainly help people who are experiencing difficulties controlling their anger. One positive aspect of attending anger management activities such as there is the individual would see first hand that their problem is not unique, that it is shared by plenty of other people. Being able to share with people in similar situations might be the key to anger management for some individuals. Sharing would likely provide hope through success stories. In anger management activities such as these, people are forced to deal with their anger issues through various activities group sessions and one on one consults. 

Anger management activities are recommended when dealing with children who are coping with anger issues. A child is unlikely to respond well to group sessions and perhaps even become bored with one on one consults. Finding activities which are interesting and even challenging may be a better alternative. Kids enjoy fun and games. Designing anger management activities which are enjoyable yet beneficial would be so much more effective than forcing a child to sit down with an anger management counselor. Worksheets, coloring pages, individual games as well as interactive games would be accepted much better by children than a trip to the psychiatrist. When children are involved, it is essential to approach the problem carefully. Being overbearing will not go over well with kids. When considering anger management activities for kids, it is essential to be mindful that they are only children and the approach is important. 

When considering anger management activities, an individual ought to choose one which they find interesting and enjoyable. Sticking a person in an unfamiliar setting may create feelings of anger which is not the intention of anger management activities. Finding an activity that works should be the key focus. 

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Adopting Anger Management Skills that Work

There are many, many positive techniques and skills related to anger management. Since anger management seems to affect so many people in society, it is imperative to design and create techniques, teach skills, provide counseling and provide appropriate care and support. Since anger issues affect individuals from childhood to adulthood, obviously it is necessary to teach anger management skills that work for every age group. For the person who is dealing daily with anger problems, it is important to learn skills that will be effective in coping.

One skill that tends to help people deal with negative emotions is acupressure. This technique used as an anger management skill is achieved by tapping or rubbing the body. Using this skill, briskly massaging the body when feeling tense and upset, causes an individual's energy to move around their body which results in relaxation. An anger management skill or techniques known as the Emotional Freedom Technique of EFT can be combined with acupressure to fight against negative emotions. EFT works to balance the brain hemispheres to help an individual admit to their problem and find forgiveness. This anger management skill would be very beneficial in helping a person release feelings of anger and relax.

Adopting positive anger management skills might involve keeping a journal. When an individual writes about the situations which upset them, it helps to get the negative thoughts and emotions out of their head. By journaling about feelings and emotions, a person is able to rid their minds of unhealthy thinking and put them on paper. This anger management activity would provide specific details and perhaps triggers which usually set the individual off. Being able to read and review reactions to situations, a person might be capable of making changes in their behavior. 

When considering anger management skills, there's one which is quite easy to adopt. Removing themselves from a threatening situation might eliminate the problem. If a person realizes they have difficulties controlling their temper, they might consider staying away from situations which may cause heated arguments. If a person has a regular pattern of lashing out during specific conversations, they ought to avoid those incidents. Some people who have anger issues seem to go looking for a reason to get upset. If aiming to adopt anger management skills, these people should attempt to change this way of thinking. Instead of going to the problem, they ought to run from the problem. 

Adopting anger management skills that work is definitely an essential step when striving to cope with feelings of rage and anger. There are many suggestions and recommendations offered on Internet sites related to anger management skills. It would certainly help to visit these sites and read the information and advice. It is unreasonable to think that a person will use all of the anger management skills suggested. However finding one that works may mean trying each of them at least once. When an individual is attempting to gain control and eliminate the negative feelings normally dictating their life, exploring anger management skills is necessary to find a technique or skill which works for them. 

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Benjamin Franklin

Sometimes when a country is just getting organized, its citizens are considered to be uneducated, out of touch or primitive.  But exactly opposite was the truth when the great American experiment began to take shape.  The world did not see America as provincial or simple and that is due to a large part to the work of the man many that many have called “The First American”.  That man was Benjamin Franklin.

Benjamin Franklin stands out amongst those we would call “The Founding Fathers” because he was neither a military man nor a politician.  He was one of the few we think of a one of our nation’s fathers that never served as president.  But that does not mean that his contributions to the start of this great country were not profound and far reaching.

Benjamin Franklin could easily be described as what was popularly known in his day as a “renaissance man”.  He was truly proficient in many fields of discipline and he had a mind that was fascinated with all areas of study and knowledge.  As such he brought to the discussions with his fellow founding fathers a knowledge of political theory, an awareness of history and an ability to speculate on the perfect union that was crucial to the laying the conceptual foundation of what America would come to be when it blossomed into reality.

For many, we remember Benjamin Franklin as a great scientist and inventor.  And to be sure he qualified in that realm as well.  Every school boy or girl has that image of him flying that kite to capture electricity to test his theories that is so popular in our mythology of his accomplishments.  But these images are no myth for Franklin was truly a great inventor contributing to the world such important innovations as the lightning rod, swim fins, the catheter, the harmonica and bifocals.  In that way, Benjamin Franklin had as much in common with Michelangelo as he did with Thomas Jefferson and indeed he was in good company if listed with either.

But it was a political theorist and a philosopher that Franklin made huge contributions to the development of the American experiment in its early formations.  It was he who was able to envision the concept of a new American nation.  But his talents did not end at his ability to use his powerful mind to envision the future so well.  He was also a talented communicator, writer and teacher so he was able to use his eloquence and magnetic personality to promote the idea of an American nation both within the colonies and internationally.

Benjamin Franklin was truly a citizen of the world as he was as comfortable in the courtyards of France as he was in the pubs of Boston.  In fact, he was so popular on both sides of the Atlantic that he served as America’s first ambassador to France and therein lies one of his greatest contributions to the independence of the new country.  He was able to use his vast popularity and his trained powers of persuasion to cause the French to enter the battle on the side of the colonies against the British which was a major contributor to the success of the revolution to free America from English control and launch the independent American nation.

Franklin’s writings have become treasured documents among the archives of this important time in American history.  But just as much as his written work, his influence as a thinker, an intellectual and an international diplomat set the standard for others to follow after him and truly established America as a member of the international community of nations.

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American Inventions

The history of how America emerged as the premier superpower in the world is about more than just a great military or a homeland so rich in natural resources that we were able to become the breadbasket of the world.  There are many forces that combined in the American experiment that has made this country so great.  One of those great forces is the phenomenal inventive minds that have graced America virtually since its inception.  Starting with the powerful mind of Benjamin Franklin, the history of inventions that started in America and transformed the world is lengthy indeed.

The computer has become so much a part of our lives that we forget that it was once invented.  The history of the development of this “futuristic” device is long and filled with genius.  The actual first prototypes of the computer were developed by the Defense Department, which is oddly the source of a lot of the great innovations in American history.  But it was the early PC developers including Steve Wozniac, Steve Jobs and Bill Gates that took the computer to the level of familiarity we know it to be now and made computers a part of our everyday lives.

Most world changing inventions have a profoundly positive influence on mankind’s quality of life.  But an invention that did not improve life but destroyed it is also an American invention that changed the world.  That invention, of course, is the Atomic Bomb.  Developed by the fabled “Manhattan Project”, this bomb changed everything about war, diplomacy and the way nations relate to one another.  And to find a positive amongst all the death the bombings in Japan brought about, that bomb may be one of the key elements that brought an end to a horrific war, World War II.  And in the long run, that is a conflict that the world breathed a sigh of relief when it came to an end.

There is a joke that makes its rounds frequently during political jesting that “Al Gore invented the internet.”  If he had invented it, he would be a world changing inventor for sure.  But it is not out of line to declare that America invented the internet.  Again, the original primitive retypes for what became our modern internet was the work of the American Defense Department as a measure to insure that America’s computer security was guarded by decentralizing the network.  From this simple goal, the vast World Wild Web has emerged that has transformed everything about how we look at communication, information and knowledge.  We have American ingenuity to thank for that.

But of the thousands of American inventions that have done so much in the fields of medicine, technology, research and communications, none can compare to an invention by a brilliant thinker by the name of Henry Ford.  That invention, obviously, is the automobile.  Just like with some of the other inventions we have talked about, we can hardly imagine a time where there was no such thing as an automobile. 

Mr. Ford’s amazing invention literally transformed society not just in America but around the world.  From it came the freeway system and an overhaul to how cities and towns are organized and linked together.  And while there are downsides to the widespread use of automobiles, it has been a huge leap forward for America and civilization as a whole.  And Mr. Ford, like any of the inventors we have talked about and thousands we have not, would see the betterment of mankind as their greatest calling.  America has hosted this great calling for centuries and will continue to produce brilliant inventors such as these for a long time to come.

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