Asset Allocation Vs Diversification

Astute investors realize the appeal of finding investment options that do not move in step with one another. Over time, we expect the stock market to increase in value, albeit with short-term fluctuations. Ideally, it would be great to identify an investment that increased in value when stocks faltered which would smooth out the volatility in a portfolio.



Traditionally, there are several asset categories that have this type of relationship: stocks and bonds, US stocks and international stocks, large cap stocks and small cap stocks, etc. Over time, the strength of the correlations between these asset classes has varied. To avoid having all your investment eggs in one basket, it is important to have appropriate asset allocation and diversification strategies, and to understand the difference between the two.

Asset allocation is the most basic and important component of investing. An asset allocation is simply the percentage of your portfolio invested in stocks, bonds, and cash. Your asset allocation is the primary determinate of how risky your investment portfolio is. Stocks are the most aggressive investment, bonds are a middle-of-the-road option, and cash is the safest way to invest your money. Of course, the higher the risk of your portfolio, the higher the return you should expect.

Asset allocation, not market timing or asset selection, will account for approximately 92% of your investment return. An appropriate allocation that matches your risk tolerance will help you obtain the rate of return necessary to achieve your investment goals while limiting volatility so you can sleep at night.

A well-devised asset allocation does not ensure you are appropriately diversified, however. For example, if you have determined that you should have 60% of your investments in stocks, you shouldn't invest that full 60% in one stock. In fact, you shouldn't have the bulk of your investments in the same asset category (large cap, mid cap, small cap, international, growth, or value).

To be adequately diversified you should have representation in each of the major asset categories. Further, you should own at least 50 stocks in each category. (Owning a large amount of your employer's stock in your 401k is a common way of breaking this rule.) This steps will prevent your portfolio from plummeting due to the performance of one under-performing stock.

Diversification applies not only to stocks, but also to the bond side of your portfolio. Many people invest solely in U.S. corporate bonds, but they should be rounding out their portfolio and reducing risk by also investing in U.S. Government bonds and international bonds.

If done properly, determining an asset allocation that is right for you will help ensure your portfolio is correctly positioned on the risk-return continuum. Diversification is an additional step that spreads your investment bets across various asset classes to prevent your entire portfolio from suffering losses all at once. Incorporating both strategies will lessen the volatility in your portfolio and increase your chances of reaching your investment goals.

by Lon Jefferies

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RI economy relies on cooperatives: President

President Susilo Bambang Yudhoyono underlined on Thursday the government’s commitment to developing cooperatives as the backbone of national economy.

Apart from its historical role, cooperative has proved it could bring welfare to people in the country and survive the Asian crisis in late 1990s, Yudhoyono said during a commemoration of the Cooperative Day at the Brawijaya military command square in Surabaya.

“Therefore, without doubt cooperative and small and middle-scale enterprises will continue growing in the coming years. I will be with you in developing cooperative,” Yudhoyono said.

The President said he believed cooperatives would help the government eradicate poverty.

“Poverty and unemployment rates will quickly decline as long as cooperatives and small and middle-scale enterprises move forward,” he said.

To mark the 63rd anniversary of cooperative movement, the President presented awards to Bangka Belitung and East Java provinces, Kupang cit and several cooperatives for their contribution to the national cooperative movement.
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Best Acne Treatment - 4 Points to Note When Considering an Acne Treatment That Works

There are a lot of options to choose from to determine which works best in treating ones acne problems. A lot of products in all forms are now out in the market claiming that what they have is the answer to all acne related issues. But what is really the best acne treatment? What should it contain for it to work best with everyone's acne problems? Is there really one product out there that can claim that it is best and only solution?


Actually, there are products available. It is then dependent on the facial constitution. Not all faces have the same characteristics. While product A is the best for 1,000 people, it doesn't mean that it really is the best. We have to look for what's in the product and choose from there. Here are the important things you have to consider in choosing the best acne treatment for you.

1. Though Benzoyl Peroxide is known to be the most effective ingredient to kill and wipe out acne because of its strong and potent anti bacterial content, it has its drawback. After constant application Benzoyl Peroxide makes the skin red and sometimes can irritate it. Benzoyl Peroxide is very potent so in turn it may be a little too harsh on the skin especially when concentrated. Make sure that you by a lotion or a cream that only has 2.5% Benzoyl Peroxide. It is not as strong and potent as the 5% but still as effective.

2. Check on the label and it should also have Glycolic Acid, an Alpha Hrydroxy Acid or AHA which is known to exfoliate the skin getting rid of dead skin cells. The presence of Glycolic Acid paves the way for the skin to regenerate cells.

3. It should be mild. Avoid those that come with scents as it may be too harsh for the skin. Keep it simple. You don't need a fresh perfume scent to get rid of acne.

4. Make sure that it is hypoallergenic. Ask your dermatologist for an opinion. He or she will definitely have something that's best for you to use.

By Casey Gentles, ezinearticles.com

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Creating Your First Niche Website

Selling anything online starts with an idea.

A website is a way by which you are able to communicate information online. The first question you have to ask yourself is: what information should you share?


Of course, you would want a subject you know. A subject that is closer to home, so to speak. You want a topic that you are perfectly familiar with. You will be able to share more about such a subject because of former experiences, unbridled passion, or overflowing interests. You'll be able to save up on research time that may be required in preparing the conveyance of information about the said topic. Spend a day or two finding an idea. If you still have no clue, here are some questions you can answer that might help:

1. Do you have some hobbies that you are very familiar with?

2. Have you visited a few captivating places that made you experience the territory as well as the culture they possess?

3. Where would you rather be right now? How familiar are you with that place?

4. Have you had any work experience that made you acquire some astonishing skills that not a lot of people know about?

5. Are you a fan of any particular sport? Do you know the rules, the mechanics, and the personalities involved with such a sport by heart?

6. Do you have a especial area of interest being served by a variety of products? Are you familiar and are you passionate about these products? Do you think you could write some comparative reviews about them?

7. Do you enjoy doing a peculiar activity, either alone or with friends?

8. There are times when you just don't want to work, right? During these times, you wish you were doing something else. What are these things you'd rather do whenever work seems so boring?

9. What are you good at? Giving advice to people, perhaps? If so, what kind of advice?

10. Is there something you've always wanted to learn? Though you may not be familiar with this subject right now, your desire to be well acquainted with it can incite you throughout the coming months.

Like I said spend a day or two thinking about this and brainstorming an idea that you would love to pursue. Remember, you must have a certain lovingness for this idea. This will prompt you to come up with updates for your website later on. Don't hesitate to consult with family and friends and look for their help. Two or more heads are still better than one, right? Then, make a list of the ideas that come to mind. The longer the list is, the better your opportunities are of coming up with a very fruitful subject for your moneymaking website.

Now, let's imagine that one of your ideas is about the general subject of computers. You are a computer whiz, for example, and you desire to share a lot of information about how computers work and how to fix some common problems with them. The question you should ask yourself is this: is such an idea profitable?

How exactly do you determine the profitability of an idea? With the example of "computers" at hand, run a Google search and have a look at the amount of available web pages catering to the very same subject. You'd have to compete with each and every web page to get to the first page of the search engine results. So, the trick lies in two approaches:

1. Finding a subject that has little competition; or

2. Pinning down your selected subject into a extremely particular sub-topic that your competition oftentimes disregards.

These two approaches all mean the same thing, however; that is, you have to find your own niche. A niche is a highly segmented portion of a given market that is serviced by few entities. Another example: The general subject of "Golf" may not be profitable fast but the sub-topic of "Golf Clubs" may have a lot of moneymaking potential. And if such a sub-topic is further cropped to, say, "Mizuno Golf Clubs" you would have a fantastic niche that could become a wonderful profit stream for many years.

There are no ifs and buts about it. You have to this to find a niche. Think of ideas, research them and narrow them down to targeted sub-topics. Finally, come up with a niche that people will want to be informed about without that many websites providing such information.

So, do your research, use keyword search engine tools like the free Word Tracker engine. if you do that using the example of "computers" you'll find out that "dell computers" and "laptop computers" are among the top 5 most profitable search phrases. If you want to stick with the topic of computers, these two sub-topics could be your starting point into creating your first Niche website.

These search phrases will also be your keywords. Keywords are very, very, very important for the success of your website. Internet users will use these keywords whenever they search for information on the matter. Once the keywords are used in search engines, the search engines will dispatch their spiders to look for indexed websites that contain the said keywords. If your website has the same exact keywords, then you'll have great chances of appearing prominently in the search engine results pages. So, the trick is in finding a profitable niche idea. It all starts from there then proceed to building your website.

By Daniel Cortes, ezinearticles.com
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Software For Piano Teachers - Modern Teaching Tools

Most piano teachers are motivated enough to bring out the best in them to reach out to different kinds of learners. In their efforts and endeavors in pursuing a better career plan, they tend to engage and invest into lots of training, workshops and seminars towards professional growth and academic excellence. Some of these innovations in music education are those reliable and effective software for piano teachers, which are made readily available over the web.


Modern music teaching resources and tools are found with just a very few clicks yet have been proven reliable and effective in motivating students of various ages, lifestyles and cultures. Such inclusion of technology into teaching music has been highly recommended and advisable by many music educators and practitioners because of the kind of drive, motivation and enthusiasm it can give to a wide array of students.

This endeavor may seem expensive, risk-taking and crucial; yet, once it is properly and accordingly administered to the right recipients by the right facilitator or educator, such outcome would surely create a more lasting effect - leaving a great impact to the minds of the learners themselves. Software for piano teachers may include the following tools and materials that can highly motivate and inspire learners to understand, enjoy and love music.

• Scheduling software allows the user or the subscriber to automatically update your school calendar of activities, reschedule postponed or cancelled music classes, send you corresponding updates and reminders on a regular basis. This lessens such inevitable technicalities and other errors that can hinder such pursuance of a scheduled meeting, music session, class or activity.

• Multimedia tool works best in inclusion and integration such technology in the learning process. It also suggests such innovative, creative and effective music teaching strategies that you can use in the music classroom - making you more prepared and equipped in your everyday ventures and activities.

• Time management tool gives you the opportunity to save time and use it wisely and accordingly - spending much of it to important things as you extend less quality time to not so essential things. With this, you can absolutely handle workloads and tasks effectively and efficiently without getting pressured, stressed out and exhausted at work.

• Billing tools allow the users to track expenses, finances and other financial matters without putting anything at risks. It monitors, screens and checks accounting and billing issues without putting the finances of the music studio at risks.

• Free website administrator tool allows you to create your own website which can promote or advertise the services offered by the academic institution or studio. This also provides you some options and alternatives in terms of multiple templates, layout designs and other necessary tools in creating and maintaining the website.

• Auto-calendar tool minimizes your burden and headache on paper works and posts as well as other reminders. This may also include a comprehensive list of events, activities and other occurrences in the music studio.

So, with all these music or piano teaching resources and tools, most piano teachers out there can go beyond what they can only wish and imagine. With a very promising, reliable and practical innovation we have today in a form of software for piano teachers, most music educators can now take their teaching career and experience to the next level. Enjoy!

By Earl Marsden

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Simplifying Your Life

In a rushed world, most people crave anything that could help them simplify their life. It can seem like there are just too many things to get done in the day. Although it is easy to blame this problem on having too many responsibilities, the fact is that many people needlessly complicate their own lives.


If you want to simplify your life, the first step is to take some time to think about what is most important to you. Many people spend a lot of time each day doing things that they think are important to other people.

In fact, if you recognize yourself in that statement, it could also be true that you believe these things are important to yourself as well. However, when most people stop and think about their daily activities, they realize that a lot of time is wasted on unimportant things. It's actually amazing how much time can be spent each day on things that really don't matter.

When simplifying your life, it is important to realize that it is okay to tell somebody no. Many times people ignore their gut feelings, and agree to do things even though they know deep down inside they don't have enough time. This can cause a lot of personal stress which could be avoided simply by saying no. It's also okay to say "no" to yourself.

In fact, if you have a personal to-list, there might be things on it that have been around for days, weeks or even months. In many cases, if you have been able to put them off for that long, they probably aren't important at all. Simply crossing them off your list as unnecessary can automatically give you more time to devote to what really does matter.

Another way to simplify your life is to set short-term and long-term goals and dedicate your time to achieving them. This could involve menial tasks like organizing your room or more advanced things like getting a promotion. If you boil down these goals into a few basic steps, you can surely make your life a bit simpler.

Most people waste a lot of time each day looking for things that they have misplaced. Clutter can cause a great deal of stress, so if you are striving for simplification, clean things up. Not only will you feel less stressed, but you will also get things done faster as a result, which can greatly simplify your life.

By Danielle Freeman, ezinearticles.com
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Finding Golf Instruction For Your Game

Any good golfer knows just how vital it is finding golf instruction for your game. There are many ways that you can get great help for your game. Some elect to go with a golf school, while others will go with more personal care with a private instructor. Whatever route you choose to go, you will be getting great information and overall help with your game. Finding which method of instruction is best for you will be determined by how you feel about both scenarios. Some people are shy and will not want to be in a class like setting. Others will thrive off this and eagerly accept the challenge.


Private Lessons

Finding golf instruction for your game means that you are looking for help in areas that you know could be improved. The type of help that you receive however will depend on what exactly you are looking for. A great way for you to get help with your game is to look into private lessons. This can be done with a golf instructor or you can speak with the course pro. The local course pro might actually be willing to offer you lessons and you can be sure that you will be getting some quality advice. If you decide that you are going to go with a dedicated golf instructor, you will have their undivided attention. This will offer you the best opportunity to gain the experience an understanding of the game.

Golf Schools

Finding golf instruction for your game could be as simple as actually enrolling in a quality golf school. You can find good golf schools just about anywhere today, as the sport has really taken off among crowds of all ages. Some of the local schools in your area are quite cheap. You can have great lessons for a reasonable cost and this is what is going to get your game over the hump. Golf schools are easy to find over the Internet and you can find many of them in your local telephone directory.

Again you can also get private lessons even though you elect to go with a golf school to help you with your defaults in your game. Finding golf instruction for your game is the best way to your game to improve, as it will also teach you proper preparation and practice techniques.

Knowing What You Need

There is a very good possibility that you will know what you need when you are finding golf instruction for your game. This however does not mean that you cannot learn a thing or two when you are there. You can actually gain much needed advice when you are honing your skills with an instructor.

Tips and skill improvements will come easy if you have someone that has the time to show you the right way of doing things on the course. Either way you slice it, finding golf instruction for your game, is the best way to bring your score card to a reasonable level.

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Cover Letter For Resumes - How to Avoid the Filing Cabinet

How to put together a killer cover letter for resumes, has been on my resume, lately. I went job hunting for a few months, a year or so ago. The reason I say its been on my resume so to speak, is that I ended up helping my siblings with their resume and cover letters. I know what a pain it can be to be looking for a job and I wanted to help them with what I picked up.


Myself, I didn't want to settle for just any job. I know the financial strain of job hunting and I didn't want to have to move back home. Yet I didn't really want to just take any other job. So I dove right in and researched and picked up information from where ever I could find it to open up my options.

I picked up many good points from programs here and there. The best was that custom is always better. I tried the generic resume and cover letter routine and although I did get calls, I seldom shined. You know the waiting area, with another five or six applicants can seem really long when there's only one spot to fill. Here's a little of what I did to separate myself from the group.

On the cover letter for my resumes, I made sure to address the person hiring or interviewing by name. This shows you've done some work. I avoided generic, weird phrases that very few individuals use. Those are a dead give away that you just copied and pasted. Of course no grammar or spelling mistakes.

I used to read over some of the filed resumes and cover letters at a previous job and for some reason, my manager always opted for new applicants. I guess that says a lot, without saying much.

The cover letter for resumes I submitted focused its attention on the knowledge I had of the company and how I saw myself contributing to the organization. I tried to put across my passion for the field they were in without making it to long.

For a moment I was tempted to use one of those, find a job services that you hear about. But after reading a short story about the experience a user had, that paid close to fifteen thousand dollars to have a resume and cover letter distributed to thousands of employers, with no results. I opted to go at it myself. After all, I didn't have fifteen thousand to invest in getting another job. Holding a fulfilling job in my chosen career was very important for me and I figured that nothing was going to be better than face to face.

In my experience, a good cover letter has made a difference between landing the interview and not. That's the first step, right? I catch the reader with the knowledge I have of their organization and a few other key tips I learned to incorporate into my letter. I've helped my sister and brothers with their letter and they've also landed the jobs.

By Casey Alexander, ezinearticles.com

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Kesabaran itu tidak ada batas nya....

Pernahkah saudara mendengar kata-kata "..telah habis kesabaranku!" atau " sabar itu ada batasnya..."
Ternyata, sesungguhnya sabar itu tidak ada batasnya, dia tetap diperlukan sebagai penolong dimana pun dan sampai kapanpun.
Terlebih lagi bagi kita orang tua kepada anak-anak kita dan kita sebagai anak kepada orang tua..

Mungkin clip video berikut ikut menggugah kita semua bahwa, sabar dan kasih sayang itu tidak pernah ada batasnya, dan akan mengalir sampai kapanpun.... lebih-lebih kita sebagai anak dari orang tua kita dan kita sebagai orang tua terhadap anak kita....



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How to Feel Motivated

Ever had the feeling of waking up feeling lousy? A voice in your head is telling you not to do any work that day. It's telling you that it is alright to rest that day. Then you don't feel like doing anything that day, you rested.


There is nothing wrong with it. Really, it is alright to rest a little when the body needs it. The thing is if this is your style of operation, this is called ECY - EMOTION CONTROLS YOU. Your emotion gets you to move in a certain way. Most of the time, non-successful people operate in this mode.

When non-successful people feels moody, they stop taking action that can bring them towards success. When things get tough, they feel struggle, they give up on success.

There is a common behaviour of non-successful people. Waking up in the morning feeling lousy, they called for sick leave, not wanting to work, not wanting to pursue success. Their behaviour is easily predicted because of their emotion.

Successful people have a opposite mode of operation. Theirs is YCE - YOU CONTROL EMOTION. Successful people have struggles too. They too were knocked down flat to the ground, but they behave differently. They have emotions too, but they do not allow that emotion to control their action. They are able to control that emotion, turn that emotion around so that it works for them.

Some successful people faces trouble waking up in the morning too. They do feel lousy at times, but they are able to switch this negative emotion into a positive one very quickly and move on.

Why there's a need to turn that emotion around?

Simply because EMOTIONS DRIVES MOTION. Your emotion determines your action and behaviour. If you feel upset about someone, you will not treat him too well, wouldn't you?

And how do we turn that emotion around? Very simple - by our thoughts. THOUGHTS DETERMINES EMOTION.

Think about your first love now. How do you feel now? Of course you can feel anything. But it comes from that thought of your first love.

Non-successful people struggles to take action because they first think of negative outcomes or thoughts. Then they feel negative emotions, therefore resulting in no action at all.

If someone wake up in the morning feeling lousy, and having the thought that he's so tired, he doesn't get enough rest, most likely he will continue his sleep.

On the other hand, same person wake up one morning feeling lousy, having the thought that he's tired, he doesn't get enough rest. He quickly thought of the tasks he needs to complete, the success he wants to achieve, he'll probably kick himself out of bed.

It all start from the THOUGHT. With that thought, you can control your emotion instead of letting your emotion controls you. As the old saying, "you become what you think". If you want to feel motivated, think motivated.

By Lee Joe
ezinearticles.com

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How Do I Choose the Right Insurance For Me?

Insurance is no doubt, one of the biggest investments you make. It is important to take an insurance cover because it is the only form of security in our insecure lives. We need to make sure that our health, our lives and our valuables are well-covered against unforeseen risk. Make sure that you choose the right insurance company that takes care of your needs, and do not go by gimmicks that the insurance company may put forth.

Here is how you can zero in for the right insurance deal:


1. Check out insurance quotes online: If you go to an insurance company's website, you are sure to be lured by interesting features, benefits that the company may portray in bold fonts. However, there are certain disclaimers and conditions that may not be highlighted. For instance, some insurance companies may have a surrender value that you can get if you stop the insurance in a stipulated period of time. So, it is better to have an independent approach towards finding the best insurance for you by checking online insurance quotes, through an independent website

2. Find out the premium: Find out how much you need to pay premium for a particular insurance. For instance, term insurance in life insurance policy has the lowest premium while 'whole life insurance' has higher premiums to be paid. So factor in the premium that you have to pay, and the manner in which you have to pay: monthly, quarterly, half yearly or yearly

3. Find out benefits associated with insurance: Find out if the life insurance or health insurance that you take covers aspects like traveling as well. If it does, you do not need to take a separate travel insurance

4. Find out the claims procedure: Find out exactly how the claims process takes place. You may do well speaking to people who have had their claims honored to know if the process of getting the money was simple enough. The insurance company should also have a safe redressal system so that all your grievances can be answered easily. Though national insurance policies give you the assurance that your money is safe, there is a question of redtapism, in certain cases

5. Use online calculators: Make use of online calculators to find out how much you money you stand to receive in case the term period expires. Do not go by the astronomical figures that insurance companies may give. Use the online calculator given on the website to make your own deductions.

6. Do not say yes to the insurance agent quickly: Though this depends on how good you are at understanding nuances of insurance it is always better to do your own independent research before committing to an insurance company. Find out all you need to know about the company, its stint in the insurance field, the financial position of the company and the goodwill it enjoys

7. Free look-out periods: Find out if your insurance company is able to furnish you with a free look out period(usually for a month) so that you are able to gauge how good the insurance is before making a decision.

By Arunraj V.S.
ezinearticles.com

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The Key to Overcoming Your Obstacles

Obstacles are a part of life and we all experience them whilst trying to pursue our dreams and goals. Perhaps you are finding it hard to lose weight or find the job you want and feel like giving up, thinking you have to give up your plans. The obstacles ahead of you seem insurmountable - the job market is very competitive, the wintry days stop you exercising outside, you can't afford to buy "healthy" food. These circumstances may, at first, to be out of your control and stop you from reaching your goals (after all you have no control over the job market or the seasons) but the biggest obstacle of all is, in fact, YOU.


You see, it is our self-limiting beliefs - our thoughts and beliefs about ourselves and our capabilities - that are the greatest obstacles to achieving our ambitions. These beliefs can seriously block you and stop you from even attempting your goals in the first place. Self-limiting beliefs will eat away at your confidence and self esteem, it can cause you to build distorted views of your previous successes and experiences, down-playing your talents and, therefore, jeopardizing yourself when you face your next goal.

These limitations you falsely believe you possess can become ingrained and follow you through life if you do not try to overcome them. This is the only way you can move forward confidently and with assurance. You do not want your self-limiting beliefs to become like a personal folklore whereby you simply accept them as true without even realising what you are doing and never even questioning their existence.

Although it is true that we do not have control over all circumstances in life, such as job losses, financial crises or natural disasters, we do have control over how we react to the circumstances in our life and how we deal with them. This reaction is based on the way we think. If you tell yourself repeatedly that you can't do something then you will certainly prove yourself right. Our thoughts about ourselves form our beliefs about ourselves, so in order to remove the obstacles in your life you need to start with your thoughts.

Your primary obstacles to success all begin and end with your mind. If you see yourself as one of life's victims you will begin to act as a victim, believing you cannot achieve anything or have any control over your life. It keeps you stuck. As these thoughts and beliefs are your obstacles you need to change the way you think, replacing the negative thoughts and beliefs with positive, self-affirming messages. This takes some practice as limiting beliefs can become such a habit that we are not even consciously aware we are thinking such thoughts. So, firstly you have "listen in" for any negativity and then instantly replace that negativity with positivity. You have full control here which in itself is a very affirming, positive thought. No one else can control your thoughts. Replacing your thoughts can take a little time and persistence but you will soon notice an increase in your confidence. And increased confidence will help to melt all those obstacles away.

Take comfort in the fact that you have full control in overcoming your obstacles and it is something that you can work on and change right now. You do not need to spend another day being ruled by false self-limiting beliefs and allowing them to be obstacles to fulfilling your dreams.

By Kristin Hutchings
ezinearticles.com

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Learn About Your Asthma Allergies

Asthma is a medical condition that is triggered off by allergic reactions, these cause can be anything room a simple piece of dust or a reaction from an animal such as a cat or dog. With so many particles that are airborne around your home it's vital that any asthma suffer finds what triggers of their condition and eliminate that cause.


Some reactions can last for only a short period of time, while other can last longer causing more discomfort to the suffer. Medication is taken in most cases but prevention is better than any medication available and you should take steps to understand what and when your asthma is triggered off.

Triggers of asthma can be anything from furniture being polished, changing bed covers deodorants and perfume are just some of the elements that will set you condition off. You really don't want to go and find out what sets your asthma off but when you do have an attack sit back after you've recovered and find out what was going on in the environment around you at that time which then can aid you in stopping another attack.

Suffers would love to live in a bubble, safe for these allergens but that just wont happen so learning about our bodies is the one and only real way to combat this problem.

The best way to fight asthma is to look around the home, no cats or dogs because this is just one of the main cause, I would advise you to have the least amount of carpeted surfaces and wooden or vinyl floors are better and wont require vacuuming all the time, blinds are the next factor and can be wiped clean with a wet cloth and are better than curtains and at all cost never allow anyone to smoke in your home. These are just some of the steps you can take to living a better life with your asthma.

By Steve Shillingford
ezinearticles.com

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Working Women

When I was little, I really didn't know what I wanted to be when I grew up. At one point, I thought I would work in a bank because that's where the money was. After undergraduate, I just knew that I wanted to be done with school and start working. Who knew that I would end up going to business school for another two years and get my MBA.


While there, I joined an organization called NAWMBA - National Association of Women MBA's and it was during one of the events that the topic of work life balance came up. It is a very interesting topic because its honestly a lot harder to be a woman in the corporate world and try to balance work and your personal life - kids, family, etc. Many of the speakers spoke about how different it was to be a woman in a man's working world. Men get praised if they leave work early to attend their kids' games or recitals. Women, on the other hand, are looked down upon. Men who are vocal are seen as aggresive while women are called witches, drama queens, etc. Unfortunately, this double standard has been around for as long as we've existed.

I think that things are slowly progressing for women in the work force. You still need to work a bit harder just to stay in the game. But at the same time, there are different expectations for working mothers than there are for working fathers. Women lose a bit of credability when they have kids and have to work harder to show thier commitment to the job. It is totally different for men. Here are a few tips for working women who are having trouble balancing their work and home lives:

* First and foremost, don't feel like you have to conquer the world and do everything (both at work and at home)
* Divide and conquer - communicate with your co-workers (and partner) to ensure that everyone is doing thier fair share of the work
* Communication is key. Keep lines of communciaton open - talk to your supervisors, colleagues and subordinates to ensure that everyone knows exactly what is going on.
* When you are at work, focus on your job. When you are at home, focus on your family. There is no point in stressing out about something that happened in the office when you are home.
* Find a good child care/baby sitting situation so that you feel at ease when dropping your kids off - consider a good monitoring system if someone comes to your home to babysit
* Even though you would like to be a super parent 24/7, sometimes you just need a break. Schedule some time away from the kids with your partner or a night out with the girls.
* Work and Family are a huge part of your life, but it shouldn't be your entire life.

It is a different and tougher battle for women in the workforce, but it is not hopeless or impossible. Everyone needs balance in their lives.

Rachel Quach
LiveLine
Affordable & Easy to Use Home Surveillance System
Monitor your kids/nannies from any computer
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Using a Mobile Phone Whilst Driving - Would You?

Although there have been huge awareness campaigns surrounding it, fines imposed for doing it and news stories about the fall out from it, there are still a large number of drivers using their mobile phones while they are operating a vehicle.

We know the risks and repercussions, but would you still do it?


Well a recent study, suggests that a large number of us do. A recent study of 14,00 motorists uncovered the fact that more people drove whilst using their mobile between 2008 and 2009 compared with the figure in 2006. Interestingly the fixed penalty was increased in 2007, from £30, and so the increase in usage suggests the increased fine hasn't acted as a deterrent, leading to many suggesting that the penalty should be increased.

Road safety campaigners in particular have called for the fine to be increased to £1,000 for using a handheld phone whilst driving.

Aside from the study, the use of hands-free mobiles by car drivers quadrupled from 1.2 per cent in 2006 to 4.8 per cent last year, which could either suggest more drivers are using these instead of holding their phones, or that more drivers overall are using their phones in the car.

Whatever the reason for these changes, and whatever the chances of getting caught, the real issue here is road safety and there is no two ways about it- using the phone whilst driving, whether you use hands free or not, disrupts concentration and could lead to an accident.

by Jessica O'Neal
ezinearticles.com
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Improve Website Ranking - Handling Too Much Monetization

A core ideal in every entrepreneur's head could very well be: you can never be too rich. This ideal applies to entrepreneurship or business ventures in both the real world and the World Wide Web. So when webmasters aim to make more money from their popular websites, they monetize them even more than they already have. But when do they draw line between what the website offers and what the website gets?


To improve website ranking is one of the continuous goals of webmasters for their websites. Because to improve website ranking is to get more attention, and to get more attention is to get more traffic, and to get more traffic is to get more opportunities to make profit. But in monetizing a website you inevitably sacrifice some quality. Ads take up space, and too many ads or links eventually get negative feedback. Most people aren't in a particular site simply for the ads that occupy half of every webpage they turn to. There's a simple answer to this that doesn't do away with website ranking.

If you notice how Google doesn't really sneak ads into the list of results it displays after every search, then you get a basic idea of how to monetize without sacrificing quality in your website. The main results list is free from ads or anything else that could irk visitors, but other portions of the page are heavily monetized. You're probably already doing that to a lesser degree, but what you can do is stretch the concept out further. Keep quality and improve website ranking to be able to monetize more by separating the ads more or less completely from the main content of your website. You can develop an offers section that can do way better than just flash a few ads from your affiliates. This way, the content of your website that more people pay attention to won't be crowded by ads and links. You can also take advantage of the page layout just as Google does whenever returning search results.

by Jonathan Sutton
ezinearticles.com

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