personal

I received an email last week from Vickie, a 45 year old woman who is on the verge of emotional breakdown over money. Vickie and her 47 year old husband must file for bankruptcy, and she is experiencing frequent panic attacks over their money situation. Married for 14 years with two children, together they own 2 homes, a couple cars, have travelled extensively, and have otherwise lived very comfortable middle-class lifestyles. But over a year ago, her husband, a real estate executive, lost his $300,000 a year job. Now, together they face over $150,000 of credit card debt, plus thousands in past due income taxes, plus mortgages and car notes, and they have no regular income to support any of it. She feels like her whole world is crumbling and she is constantly fighting bouts of gripping panic and stress.

Not Alone

With over 50 million anxiety sufferers and record bankruptcy filings in America, many people find themselves in situations similar to Vickie’s, and can’t see a way out of their circumstance and looking for ways to ease panic attacks over money. As panic sets in it begins to impact everything from willpower to personal relationships and the desire to socialize with others (due to the embarrassment of it all). With so many Americans out of work in what is purported to be the worst recession since the great depression, meeting financial obligations becomes virtually impossible and a feeling of being trapped takes hold.

About Panic Attacks

Panic attacks represent a physiological over-reactive rush of adrenaline in response to a mostly unsubstantiated or overblown fear. In prehistoric times, this adrenaline rush helped humans fight off or run from a real attack from dinosaurs and other predators. Now the dinosaurs are gone, but experts say the feeling of “fight or flight” strikes panic attacks and anxiety sufferers each day. You might say that Vickie’s fear of impending bankruptcy is not overblown or unsubstantiated. In the end, times will be tough for Vickie and her family. But Vickie and her husband still have their health and their marriage, and get this – they both admit their respective roles or lack thereof in getting them into the financial situation in the first place – very important starting point. More importantly, they are beginning to understand that bankruptcy is a form of financial relief and legal protection from creditors – the ultimate source of the unsubstantiated fear. Talk to a lawyer or bankruptcy specialist about the specifics. But ultimately your worst fears about money are most definitely overblown if you are suffering from panic attacks and anxiety over them. You must strategize and gradually lift yourself out of the financial circumstance. And remember, if you must file for bankruptcy, you are not alone. If you check the rolls of past bankruptcy filers you will find names like Donald Trump, Circuit City, Blockbuster Video, and many other company’s and people. Bankruptcy is meant to be a backstop to keep you from panicking and seeing no …

Over the years, Nigerian school administrators, especially, the lslamiyyah schools had paid Lip services to the proper keeping of records. All these schools do is simply teach and graduate students. However as observed by NTI, (2000:12) in 1964, a headmaster of one primary school in our neighboring Bauchi State was faced with one serious experience. A form containing many questionnaires about one of the old pupils of the school who was nominated to be appointed as the chairman of the Federal Public Service Commissioner was given to him to complete. The pupil graduated many years before the headmaster even went to primary school. Therefore, the headmaster did not know the man personally and did not know what to write about him.

The only solution available to the headmaster was to turn to the school records. The school records showed the year the pupil was admitted, the year he passed out, the records of his good academic performance, records of annual prizes given to the pupil among others.

It was these records that helped the headmaster to correctly and accurately filled the form that assisted the person to be successfully appointed.

DEFINITION OF CONCEPTS

School records keeping: This concept according to NTI (2000:12) is the history of the school kept systematically. This means that the systematic growth of the school at various points in time need to be thoroughly recorded and kept by school administrators. it is the authentic register of instruments of officials accounts of transaction or accurance which are preserved in the schools office (Olanrewaju 200S).

Aleiyideino SC et al (202) defined record as a written statement about a happening. School record keeping according to these scholars are records that give a lot of information about the school that will enable the authority to take decisions and asses the progress of the school. Head of School shall refer to both head teacher and principal.

Student: It shall be used to refer to both pupils and students. These records according to Dibu-Ojerinde,00 and Tukur(ed) (2005:21) classified school records into (a) Statutory Records (b) Academic Records (c) Finance Records (d) Staff Record(e) General Records.

Also linking Muslim schools to the category of voluntary agencies interested in educational development, Eke, et al (2000:46) explained that the Izalatil bid’a Wa Iqamatis Sunnah group, the Jama’atu Nasrul Islam, is the Islamic Trust of Nigeria (ITN) among others have contributed immensely not only to the development of education but also to proper school records keeping in Nigeria. Here cognitive and effective domains are highly exhibited unlike public schools that deal with only cognitive domain.

It is in light of the above that we are going to discuss the classification of school records as listed by Dibu-Ojerinde 0.0 and Tukur H.as follows:

A). STATUTORY RECORDS

1. ADMISSION REGISTER

This is a register of admission, progress and withdrawal of students, it should contain the following particulars about the admitted students.

(a) Admission number (b) Name in full (c) Sex (d) Name and address of parent/guardians (e) Day …

Magic Squares make a potent talisman or charm for enhancing certain talents and abilities of their bearer. Numerology provides us with a powerful way to construct a personal money charm just for you. Let's see how this can be done.

Date of Birth as a Sigil

In numerology and astrology, your Date of birth is a defining signature element for you. Your entire reading in both disciplines is built around this number. So, if I wish to construct a magic talisman using numbers and associate it's power with you, using your date of birth in the charm is a natural way to build this association.

There are other means, such as using your name or signature in the talisman, but since I'm using numbers to construct the charm anyway, your date of birth makes a perfect sigil to represent you.

Yantra Magic Squares

Yantra magic squares are magic squares built using your date of birth, and your Life Path number as the top row of the square. They are powerful good luck charms for the person they are constructed for. But, they do not necessarily attract wealth and riches to the person.

Eight – The Money Number

In numerology as well as other physic disciplines, eight is associated with money and riches. To specifically attract more money to a person, I can construct a magic square talisman where the rows and columns sum to a number which reduces to (8) using fadic addition. The numbers: 26, 35, 44, 53, 62, 71, 80, 98, and 107 all have this properity.

So, in order to create my talisman, I start with someone's Yantra magic square, and then change the last box in the top row from their Life Path number, to a number which produces a square where the rows sum to (8).

Let's look at an example to see my meaning.

Johnny Depp's Money Talisman

Actor Johnny Depp was born on June 9th, 1963; So his Life Path number would be (7) as shown below.

Life Path = (06 + 09 + 1963) = (1978) = (1 + 9 + 7 + 8) = (25) = (7)

The first row of his Yantra Magic square we be his Month, Day, Year (less century) and his Life Path number, and would look like this:

(6) (9) (63) (7)

The row totals (85) which reduces to (4) by fadic addition. If I substitute a (2) in the last box on the row for his life Path number of (7), then the resulting row will sum to (80) which will reduce to and (8) using fadic addition.

Making the substitution, and then calculating the rest of the Magic square by formula, I get the following:

(6) (9) (63) (2)

(61) (4) (4) (11)

(3) (64) (8) (5)

(10) (3) (5) (62)

Summary

So with a little work, I can create a (4 x 4) Yantra magic square focused on a particular person, and targeted to draw money and financial success to them. …

The basic rationale for personal development can be understood from the necessity to understand one’s own human needs, together with spiritual, emotional and social development, because a failure to understand this about one’s own self is unthinkable if trying to understand and relate to other human beings in any meaningful way.

A person’s development can be perceived in many different ways; for instance as in Freud’s Psychosexual Development Theory (Marshall, 2004) which looks at stages of sexual development and the frustrations connected to each stage, or Havighurst’s Developmental Stages (Sugarman, 1986) and Tasks which identifies:

Tasks that arise from physical maturation

Tasks that arise from personal values

Tasks that have their source in the pressures of society

or through Maslow’s Hierarchy of Needs(Maslow, 1998).

Or indeed through any of the other methods and theories that have been developed, and which may be studied and related to the needs of a counsellor in training,e.g.:

Erikson’s Stages of Psychosocial Development Theory

Piaget’s Phases of Cognitive Development

Kohlberg’s Stages of Moral Development

Gilligan’s Theory of Moral Development

Which is to name but a few, and some of which will mean more to one person than to another.

What is really important is the core condition of recognising ourselves and others as human beings with developmental needs and developmental constructs, the understanding of which is paramount to enabling a real understanding of the human development processes and the requirements necessary in order to work towards living a contented and fulfilled existence for ourselves, and for engaging meaningfully with others working towards the same.

An individual’s decisions are often influenced by social construction, by adapting our personality to fit in with the expectations of friends, family and employers; whilst in relation to any other person we may act in response to our own unconscious and emotionally fuelled expectations. The person we are depends upon our life experiences and feedback from others about how we inter-relate with those people with whom we come into contact, as well as the physical, cultural and spiritual worlds in which we find ourselves. If we are to be able to relate to others whose personal construct and developmental processes that have led to what they have become with any real empathy and congruence, we must first understand our own construct. In taking responsibility for learning about our own emotional and social actions, understanding and development, we act authentically; but allowing our social construct to make choices for us could be seen as acting un-authentically.

Maslow’s Hierarchy of Needs takes a premise that once the most basic human needs are met it becomes possible to progress through successively more advanced levels of need, to culminate in ‘self actualisation’. If we engage in exploring this process we allow ourselves the opportunity to develop a relationship with one’s self which leads to and enables the establishment of a more understanding relationship with others.

This hierarchy of needs is based on a ‘Humanistic’ approach and the concept of ‘self actualisation’ as described by Carl …

MONEY WITHOUT MATRIMONY: The Unmarried Couples Guide to Financial Security, Sheryl Garrett and Debra Neiman, Dearborn Trade Publishing. Paperback $21.95 (248p) ISBN 1-4195-0688-9)

Who knew? If you were in a heterosexual relationship and got married, there would be 1,143 federal laws that protect your personal finances. But since that’s not the case for the 1.2 million gay and lesbian couples in America, out lesbians and Certified Financial Planners Sheryl Garrett and Debra Neiman have written Money Without Matrimony to help answer the hard financial planning questions. This well-written book helps gay and lesbian couples “plan around” the federal laws that negate right of survivorship benefits for same sex couples when tragedy arises like the illness or death of a partner. According to Garrett and Neiman, “If you want your partner or someone other than your parents or next of kin – no matter how distant a blood relationship – to sort through your possessions, inherit or distribute your stuff, the situation is far more complicated” than if you were married. Aside from looking at doomsday scenarios the book lays out everyday decisions that both short- and long-term couples should be thinking about like whether or not to merge finances, deciding how property should be rented and owned and the ramifications of each decision. Using easy-to-understand, accessible language, the authors have written a book that is a quick read or an easy reference guide to answer financial questions on the fly. While this book covers some of the same legal ground that can be found in other books on the topic, Money Without Matrimony picks up where the others left off with savvy personal finance advice in addition to legal advice. Filled with sage advice from financial professionals about the unique financial planning issues gay and lesbian couples face, this book forces partners to ask the questions they need to answer until (if) they receive full legal marital rights.…

“CANI” stands for Constant And Never-ending Improvement. It’s an acronym that Tony developed more than a decade ago and he was influenced by Dr. W. Edwards Deming. Dr. Deming is credited as one of the leaders who brought one of the first quality movements to the Japanese. His basic premise was that the secret to help the Japanese achieve world power and economic success was if every single person and organization commit to constant improvement.

The Japanese have a single word for “constant and never-ending improvement” and it’s called “Kaizen.” Kaizen is from the Japanese words Kai and Zen where “kai” means change and “zen” means good. Yes folks, change is good.

According to Robbins from his Lessons in Mastery series, he didn’t want to embrace the word “Kaizen” because it was a Japanese word and after-all, Dr. Deming was an “American…” therefore it was only proper to create an American word that meant the same as Kaizen. Transformational vocabulary is an important component to the tenets that Robbins teaches, so you can probably understand why Tony wanted to create a brand or a name for the association.

It is very easy to get caught up in your goals and desired end-outcomes…to the point of becoming overwhelmed. CANI offers a solution and a point of reference to focus your attention on. If all you did was improve one tiny aspect of your life every single day, you would achieve mastery in uncommon time.

Benefits of CANI include:

  • Creates a personal and business momentum that will be hard for your competitors to catch up with.
  • Personal satisfaction and fulfillment because it will cause you to grow personally.
  • Leads to innovation. Innovation creates leverage.

Tony Robbins once said, “We only learn our limits by going beyond them.” CANI! is a principle designed to encourage you to make small incremental improvements daily…and in doing so, you will be forced to find a way to go beyond your current set of self-imposed limitations.

Which areas of your life do you want to apply the principles of CANI! Today?

o Prosperity & Financial

o Family Relationships

o Friendship Building

o Health & Fitness

o Spirituality

o Recreation & Pleasure/Joy

o Education & Career Advancement

o Public Service/Volunteering

If you define your success as a “journey” rather than an end-destination, you can take comfort in the fact that personal growth and satisfaction can come from constant and never-ending improvement (CANI!).…

Cues are simple, memorable and colorful words or expressions to help you teach proper technique for your boxing workouts. For example, Float Like a Butterfly. Cues are much better than technical jargon because they get the point across, on the fly. These cues will work for personal trainers and group trainers teaching boxing. They will also work for anyone holding punch mitts (focus pads) for their partner.

I – Float Like a Butterfly

What it means – For Ali, I think it meant to dance around the ring, which he did very well. However, for Fitness Boxing, it means to get up on the balls of the feet and move – whenever they are not punching.

When and Why to say itFloat like a butterfly helps students get up on their toes, burn more calories and work their legs. Tell students to do this between punches and combinations – not at the same time.

2. Put Out the Cigarette

What it means – This cue means to twist the ball of the foot, so the toe points towards the target, resulting in more hip and leg drive, and more powerful punches.

When and Why to say it – A good punch uses the core. By twisting the foot, like you are putting out a cigarette on the ground, the boxer / student will engage the Abs and core muscles. This cue works very well for the right cross punch.

3. Over the Brick Wall

What it means s – This cue helps students keep their elbow nice and high for the left or right hook punch. They imagine there is a chest-high brick wall in front of them. The hook goes over the brick wall.

When and Why to say it – Say the cue as just before or even as they throw the hook. A high elbow helps prevent a wild swinging on the hook punch.

4. Eye of the Tiger

What it means – We've all heard the song, but to me eye of the tiger means to focus. A tiger keeps her eye on her prey, never looking away.

When and Why to say this – Students will look away or flinch at the moment they punch. Also, in real boxing they will look away when under attack. That is not the time to look away!

5. Corkscrew the Fist

What it means – This means twisting the fist , so it faces the ground, enabling the student to strike with the front two knuckles.

When and Why to say it – This cue works very well for both the left jab and right cross (or right jab and left cross for left handers). Tell them to twist their fist just before the moment of impact, and right through the punch mitt.

Try these 5 cues as you teach your boxing sessions. They will help your students remember and perform the technique tips that result in great punching and great fitness. …

According to a recent survey by an independent insurance company, 66 percent of motorists, as a result of unwelcome attention from back seat drivers, have been involved in traffic collisions. This type of distraction is quite common and has led to car accidents for nearly 25 percent of drivers – which ultimately drives up auto insurance costs.

The survey indicated that more than two-thirds of women and 70 percent of drivers over the age of 55 have been involved in a collision due to distractions attributed to passengers within their vehicles.

Teachers ranked high among preferred passengers

Teachers have been named among the most patient of passengers. Most drivers surveyed said that they prefer to drive with work colleagues rather than parents or domestic partners who tend to be the more disruptive among back seat passengers.

The research highlights that having passengers in the car can distract drivers from the road and lead to road traffic accidents, which in turn have an effect on car insurance policies and can result in personal injury compensation claims being made. This generally results in a rise in premium costs as well.

The findings suggests that as many as one million accidents and near misses have occurred when a passenger makes unsolicited suggestions or gives unwanted advice. In not keeping their opinions to themselves, passengers are also instigating a large number of drivers (nearly 1.7 million) to engage in reckless behavior, including:

1. Speeding

2. Switching lanes suddenly and

3. Braking unnecessarily

Research also found that 60 percent of backseat drivers genuinely believe they are being helpful when they offer instructions, while almost a fifth claim they only speak up because they fear for their own safety.

The most common backseat driver behaviors include: volunteering unwanted directions, inopportune panicked gasping, and constantly checking the speedometer.

Aside from a lack of concentration that drivers suffer from when provoked, almost a third of motorists get stressed and annoyed by their passengers who generally are attempting to be helpful. Women, generally more easily irritated, will often actually stop the vehicle after becoming upset from backseat criticisms.

Domestic partners top list of driving irritants

Domestic partners take the blame for being the worst culprits, criticizing from the backseat or passenger seat, with over half of those questioned describing their other halves as ‘backseat drivers.’ Unsurprisingly, more than half of all motorists think they are a better driver when they are alone in the car as they are able to give driving their full attention.…

Usana Health Sciences has become a very large and well-known health and wellness network marketing company They offer a variety of healthy self-care and home-care products, as well as an income opportunity if a person becomes a distributor and sells their products.

However, there are some very real concerns and issues about starting or participating in a Usana business. In this article, I will provide and unbiased review of the pros and cons of developing a Usana business, and see if we can find out whether Usana is a great opportunity – or a great scam.

  • Usana – The Good
  • Usana was founded by Dr. Myron Wentz, a microbiologist and immunologist. Dr. Wentz began Gull Laboratories in 1974, and built it from a one-man operation to a leading provider of viral diagnostic tools. In 1992, Wentz sold his stake in Gull Labs and began Usana with the hope of preventing disease, not just treating disease. Today they offer a line of high-quality supplements and personal care items.

    For distributors, Usana pays out with a binary compensation plan, where a representative builds a left-side and a right-side simultaneously. One of the good things about their compensation plan is the fact there is no monthly group volume requirements. Commissions are earned based on group sale volume (GSV).

    Another big pro about beginning a Usana business is the need – currently, the demand for products that might help in the prevention of disease is huge. With the current marketing trends being what they are, you can sell just about anything that has “anti-oxidant” written on it.

  • Usana – The Bad
  • Usana is a network marketin company, which simply means that a distributor can go join and build a downline, and grow a distribution channel. The first flag that we noted was that Usana encourages their distributors to purchase business opportunity leads (or bizop leads) to grow your organization. The problem with opportunity-seeking leads is that nine times out of ten, they are not really looking for an opportunity. In fact, the way that many opportunity leads are gathered is rather misleading. The process works like this: you are out surfing the web, looking at different sites, and you suddenly see a pop-up ad to win a free toaster if you take a quick survey. If you take that survey, you will be asked to submit your name and phone number to get your free toaster. The minute you fill out that form, you actually become an opportunity-seeking lead.

    For people that have used opportunity leads before, this would explain why so many times when they contact the lead, they have no idea how they got put on an opportunity-seeking list. Also, these types of lead lists are sold and re-sold multiple times, so that when you get around to contacting the lead, they have already talked to eight different people with a “huge business opportunity”.

  • Usana – The Ugly
  • The reason that so many network marketing businesses have such a bad reputation is …

    Paper-based day planners are still very popular professionals and busy families. However, when you run out of preprinted pages from the manufacturer, your careful planning comes to a halt until you can obtain refills.

    Refills of dated pages, blank planner pages, calendars, to-do lists and address book pages for three-ring datebooks of various sizes are available from stationery stores and via mail order, but they can be pricey and hard to find.

    One convenient option is to locate, download and print planner pages from online sources. In some cases, the printable refills are free. You should be able to find pages designed to fit common commercial datebooks such as the Day-Timer, Day Runner, Franklin Covey and other systems.

    If you have some ink in your printer and a few minutes to trim pages and punch holes, you can have your favorite day planner back in business from the comfort of your own home.

    If you decide to go the printable refill route, the first step is to determine what size organizer you are using. Here are the most common planner sizes: executive (8.5 "x11"), desktop (5.5 "x8.5"), travel (4.25 "x6.75"), personal (3.75 "x6.75"), pocket (3.5 " X6 "), hipster (3" x5 "-index card size) and mini (2.75" x5 ").

    Executive and desktop size planners are commonly referred to in an office setting. Travel, personal and pocket versions are made to bring along in a purse or briefcase and use on the go. The smallest planners, the mini and increasingly popular hipster size, are designed to fit in a pocket.

    Some people use only paper planners, while others rely on them to supplement computer-based organizing tools.

    Reference the pages that came with your datebook, or simply measure the pages, to figure out what size you need. Also decide if you want to view the pages in landscape or portrait orientation.

    Select dated or undated calendar pages (daily or weekly), monthly calendars, to-do lists, address and phone pages, graph paper, lined pages and any other variations you expect to use.

    Typically, free printable planner refills can be downloaded in PDF form, which can be easily opened, viewed and printed using Adobe Acrobat's free Reader. To save ink, consider printing the pages using only your printer's black ink cartridge.

    Once the pages are printed, you'll need to trim them down (except they are executive size). Some planner refills come with handy guides for trimming as well as placement circles to aid in hole punching.

    Then, pop them in your planner and you're ready to rule the world, even more organized than before!

    Copyright 2009 by Kevin Savetz …