Monday, September 29, 2014

Teaching Tips: How to Learn From Effective TEachers



Learning is an acquired art

How to learn from an effective teacher is a question that many people including educators, academics and health care professionals ask with regard to children, teens and adults, who appear to have learning difficulties of various kinds. Are you wondering how to learn from an effective teacher, in terms of a serious inquiry about how to learn more easily?

Note the use of the word effective, as used in relation to the word teacher. In effective teaching, whatever goals one has set initially, in conjunction with proposed, intended or expected results with regard to successful learning, are realized.

Being aware that learning is an acquired art is an important part of learning from an effective teacher. More importantly, learning is an acquired skill that undergoes development throughout our entire lives.

Look at what may appear to be an ideal learning scenario.

Perhaps you or someone you know has a photographic memory or eidetic memory and thus, “the ability to recall images, sounds or objects in memory with extreme precision and in abundant volume”. (1)

For example, on the television show, Grey’s Anatomy, the character personified as Lexie Grey (nicknamed “Lexipedia”) (2) has a photographic memory.

While this seems to be a scenario where learning comes easily to Lexie, eidetic memory is not a learning process as such, even though having a photographic memory may enhance various learning experiences she has. She has total, instant recall of what she sees or reads. In other words, her mind takes a snapshot or photograph, which remains in her memory.  

Unfortunately, most adults and children do not have photographic memories, like this fictitious character and they have to learn everything one way or another. Sometimes, it seems that certain people are destined to learn everything the hard way, even when taught by an effective teacher.

Returning to the thought that learning is an acquired art, the following tips about the art of learning from an effective teacher, may prove to be helpful. The question of how one can learn to learn more easily, arises too. 

Identify the learning problem, if possible.

Try to identify what the actual learning problem is and where the problem seems to be. In other words, does the learning problem have something to do with the child, teen or adult, who demonstrates difficulty learning or does it have more to do with the teacher?

Identifying the teacher as being a truly effective teacher is important.

Educators, parents and others are aware that we all need to need to learn many different things, sometimes associated with various degrees of learning difficulty.

Parents are immediately aware when their children’s teachers appear to be highly effective with other children, but not with their own. When there appears to be a learning problem with a child or with many children in a classroom, one must first ask whether the area of concern is the teacher or the children. The same is true for teenagers and adults. 

Is there a more effective teacher?

Remember that each teacher and pupil has a different personality and sometimes, personalities clash. This kind of a scenario is not conducive to healthy learning. When the problem appears to be the teacher, there are other teachers, who may prove to be more effective.  

Recognize that the learning curve (3) is different for each person.

Learning is not necessarily easy for every child, teenager or adult. Each person is different in terms of his or her speed, ability and capacity to learn. Tabulating data on graphs, demonstrates learning curves that vary from person to person. Some people learn everything much easier than others do; most people learn some things more easily than other things.  

At times, even basic learning skills that most people acquire instinctively, have to be learned by others, but only over a long period of time and with a lot of effort and repetition on their part.   

Discuss the suspected learning problem with the teacher.

An effective teacher knows how to teach his or her students learning skills or how to learn. He or she will be open to discuss areas of learning that appear problematic. When learning skills are developed and the art of learning has been learned, most people are able to learn many things on their own and will usually attempt to do so.

Effective teachers recognize and draw from numerous teaching models and theories (4) in order to teach those who have learning problems. One particular teaching model is not necessarily effective for teaching everyone how to learn.   

Is the learning environment conducive to learning?

Provide a quiet, safe and comfortable learning environment for anyone who demonstrates a learning problem.
Learning is easier in a quiet, safe and comfortable environment, where there is a minimum of interruption and stress. This does not necessarily mean total isolation, as many people learn more easily when they are in among their families, peers and/or friends. They are often more likely to be comfortable and happier there.

Provide good role models for the person who has a learning problem, to follow.

When a person has a learning problem, he or she is not alone, as many people have difficulty learning different things.

Note that some people tend to learn from the left side of their brain, while others learn from the right side of their brain. Providing an appropriate role model for the person with a learning problem to follow, is important. In other words, a child who learns from the left side of his or her brain may be able to learn more easily when taught by a teacher who learns the same way.

Identify possible learning disabilities.

Consider the possibility of a psychological assessment to rule out possible, learning disabilities like dyslexia, autism or brain damage. Identifying problem areas immediately helps one to know how to learn the art of learning in his or her particular situation. Are there obstacles to learning, like impaired vision or diminished hearing?    

Practice patience with regard to teaching and learning.

Patience is crucial aspect of the learning process, particularly with respect to anyone who has a learning problem. An effective teacher will be patient with any child, teen or adult who demonstrates difficulty learning.

Determine whether the person with a learning problem is a visual learner, or an auditory learner. 

In other words, does that person learn by seeing something, or hearing it? We do not always learn the same way and may learn one way or the other, or perhaps even both ways, at different times.       

Show pride in any degree of learning success, accomplishment or achievement. Learning can be very hard work for some people and any degree of success with respect to learning deserves a reward, even if the reward is just in terms of verbal or non-verbal praise. When something has been learned, achieved or accomplished, let it serve as a building block or a stepping-stone for the next thing to be learned.

Note the order of the learning process.

Sometimes learning steps take on a distinct order, but not always. Eventually, all of the steps fall into place in successful learning. Learning is like a piece of artwork, painted in various stages. Where does one have to start or finish? Is the learning order always set in stone? Can one achieve the same results using variations of the learning order? Organizing the learning steps in a way that they are easy to understand by anyone, not just the person who has problems learning, often proves beneficial.     

In summary, most of these learning tips are common sense guidelines for those seeking to learn from effective teachers. Seeing learning as an art to be developed, suggests that learning is an acquired skill, which can improve over time.

Develop the art of acquired learning and take pride in it. In time, you will become an effective teacher and having gone through the learning process yourself, either the easy or the hard way, you will appreciate the art of acquired learning, even more fully.






Saturday, September 27, 2014

Outdoor Survival Guide for Extremely Cold Weather: Survival Tips for Extremely Cold Weather



What one person regards as extremely cold weather, may not be a serious concern for someone who is always outdoors, but survival is equally important for both.      

Cold is a far greater threat to survival than it appears. It decreases your ability to think and weakens your will to do anything except to get warm. Cold is an insidious enemy; as it numbs the mind and body, it subdues the will to survive.” (1)

Cold weather survival 101” (2) by Jeanie Lerche Davis, on the MedicineNet.com website suggests that outdoor survival, when it is extremely cold presents serious concerns including frostbite and hypothermia.  

It is important to recognize the symptoms of frostbite immediately, as it happens quickly in cold weather and affects parts of the body not adequately protected, areas exposed to extremely cold air. The face, hands and feet are particularly vulnerable to frostbite.

If any of the following symptoms are experienced, one should get out of the cold.

“Symptoms include tingling sensations on your nose, ears, toes, and fingers as well as red skin (early stage), whitened skin (middle stage), hard skin (severe), blisters, and blackened tissue (severe), gangrenous stage.”  (3)

Most children, teens and adults will experience some degree of frostbite, at some time in their lives.

“No. 1 concern: "Frostbite," says John Wilhelm, MD, Chicago's commissioner of public health. “Wind chill, wet clothing, alcohol consumption, poor circulation, weariness and some medications can make people more vulnerable to frostbite.” (4)

Note that frostbite is normally associated with extremely cold winter weather, where temperatures drop below freezing. In northern climates, the temperature can exceed minus forty degrees Fahrenheit, but even temperatures like ten or twenty degrees below zero can be a cause for concern.

On the other hand, hypothermia can occur at any time during the year when one is outdoors. This is particularly true when there are sudden storms. Those who travel long distances, go camping or boating, oten experience extremes in temperatures or severe cold weather.

Learn to recognize the symptoms of hypothermia, because it is more insidious and occurs slowly, as the “body’s core temperature drops” (5).

Being outdoors is not always a cause for alarm, if a person is ready for extremely cold weather, but a wary camper, traveler or boater knows that staying warm is vital in terms of survival.

“Hypothermia doesn't happen in a matter of minutes like frostbite, but slowly over several hours of exposure to cold," Wilhelm says. “The possible result: coma and death. Wearing wet clothing or being immersed in cold water for any length of time heightens that risk.” (6)

A person may not be aware that he or she is entering into a hypothermic state, as it can occur unexpectedly. Parents may not realize that their children are hypothermic and that their elderly parents or others, may be suffering from exposure and possible hypothermia, particularly when they are not able to communicate properly with them.

“Signs of hypothermia are slurred speech, slow pulse, loss of coordination, loss of bladder control, stiff muscles, a puffy face, and mental confusion.” (7)

There are ways one can prepare ahead of time, when there is the possibility of extremely cold weather. Being ready for possible, wet weather is a good idea. Many communities offer basic survival courses for children, teens and adults. This will include lessons in first aid important in situations where there is the possibility of exposure, frostbite or hypothermia.

Note that in instances of frostbite, care should be taken to warm up the frostbitten area slowly without rubbing the skin. When there is exposure leading to hypothermia, the whole body needs warmth, as soon as possible.

Knowing how to do the CPR is important if hypothermia occurs. It can lead to a possible heart attack or stroke, particularly in the elderly. Placing a thermal blanket over a person who has hypothermia, may save his or her life. Regular blankets, sleeping bags or even jackets, coats and sweaters may be used. A large piece of plastic may help to keep a person dry and prevent further problems related to hypothermia.

Carrying a well-stocked first aid kit is extremely important, as there may be dressings and medications required for frostbite or hypothermia.

Staying well informed of changes in the weather, at all times, will help to avoid situations where there is likely to be frostbite or hypothermia due to extreme weather or temperature changes. Carrying a small, battery-operated radio will help to stay informed.

Knowing where to obtain emergency assistance is important. Having a way to contact medical help when needed, is crucial in terms of survival in extremely cold weather. Remember that cell phones may be out of range at times, in the mountains or wilderness country.

Letting others know where you are going and how long you expect to be there, may save your life and that of others, in an extremely cold weather situation or in a sudden storm, at any time of the year.

Wearing appropriate clothing can help to prevent both frostbite and hypothermia. Clothing that can be layered is ideal for unexpected changes in the weather. It is easier to put on extra, warm clothing than it is to take if off. Make certain to cover the limbs with several layers of clothing. Keeping your head warm is important.

Learning how to build or find appropriate shelter when it is extremely cold, may save your life or that of others. Find courses on how to build emergency shelters.

Knowing how to build a fire can ensure survival. Make certain that you have dry firewood and matches to start a fire, when you are camping in the wilderness or driving long distances.

Travelling with extra, thermal clothing or blankets that are appropriate for extremely cold or wet weather can prevent unexpected problems.

Do not leave children or elderly people to fend for themselves in extremely cold or wet weather, as they may need guidance and assistance. Disorientation can occur quickly.

Carrying extra sleeping bags and blankets is indicated when one is travelling with the intent of camping outdoors, particularly when extremely cold weather is anticipated. Purchasing a weatherproof tent is advisable for travelers and campers.

Have an emergency back up plan everyone is aware of, in case of extremely cold or wet weather.

Carry extra food and supplies, including water, dried fruits and nuts when you are venturing into the wilderness or going to an area of high elevation and possible snow. Drinking hot soup, coffee or tea, may help to warm someone who is very cold, so carry a thermos with you.

Do not panic. Keep open communication lines with others, so that each person knows exactly what to do in an emergency.

Seek to get dry as soon as possible, if you do get drenched in a storm or on a boat excursion.

Always keep your feet dry by wearing proper socks and boots. Have several extra pairs with you, just in case.

If stranded in extremely cold weather, do not leave your vehicle, as it can provide shelter for you.

Avoid exposure to the wind when possible by wearing raincoats, ski jackets or sweaters with hoods. A light, nylon jacket worn over other clothing can help to maintain your body temperature. Different kinds of sports clothing fabrics will keep out the cold and help you to stay dry. Carry extra jackets, sweaters, gloves and scarves, in case it turns extremely cold while you are on a long trip or out boating.

Check children’s hands and feet regularly, as they should feel warm. Seniors may have circulation problems. Watch the color of their fingers and toes. Their nail beds should be a healthy pink color, not blue.
Stay close together when it is extremely cold, as each person can provide body heat for others. No one should venture out alone in stormy weather.

If someone appears to have frostbite or is hypothermic and disoriented, make certain he or she is warm. Seek medical help for him or her, immediately. Keep notes of what is happening, events like the length of time spent in the water. 

These are basic survival guidelines for extremely cold weather.

Many survival skills are common sense. They may be instrumental in saving save your life or that of others, when the weather becomes extremely cold or wet.

Even a sudden thunderstorm can result in hypothermic conditions. No one is exempt from exposure to the elements. Taking proper precautionary measures can help to protect everyone and may save their lives.




Thursday, September 25, 2014

Writing Headlines That Work: How to Write Effective Headlines



Writing headlines that work entails writing dynamic, effective headlines, which is an art in itself. Web site designers, freelance writers and bloggers all seek ways to encourage their readership or following. They desire to convey messages to followers or try to sell their web sites, web pages or articles to others.

In order to succeed, web site designers, freelance writers and bloggers must learn or practice the art of writing dynamic, effective headlines that work. Headlines work or they do not. In other words, good headlines obtain the results the web site or web page designers, freelance writers or bloggers are seeking or they fail to reach that goal.

A web page entitled “Headlines” offers internet writers, freelance writers and bloggers basic guidelines for writing good headlines. 

“The best way to write a good headline is to keep it simple and direct. Be clever only when being clever is called for.” (1)

“Use the active voice: Effective headlines usually involve logical sentence structure, active voice and strong present-tense verbs.” (2)

“A ‘capital’ idea: The first word in the head should be capitalized as should all proper nouns. Most headline words appear in lower-case letters. Do not capitalize every word.” (3)

“Number, please:” Numbers often go against AP style in headlines. For example, you may start a sentence with a number and even though that number is below 10, you do not have to spell it out.” (4)

On the internet, whether it is a web site, a web page, an article or a blog, it normally begins with a headline. That text, placed at the top or beginning, is what conveys the heart of the message the writer intends to convey to the reader.

What kind of content should a headline contain? Headlines may contain breaking news that leads into in-depth coverage or further details. It may serve as an alert that awakens the reader to new thoughts or ideas, the latest or up-dated news, events or issues of concern. It can lead the reader to articles or even feature stories that include audio or visual presentations.

What constitutes a good headline? In other words, when is a headline not satisfactory, good or excellent?

Perhaps one might suggest that if or when, someone reads a headline and does not desire to read on further, immediately or later, the headline may not be a good headline. If it does not attract the reader, it is less than satisfactory. A good headline will attract readers while an excellent headline will draw even more followers.
Writing a headline that will obtain the desired results includes the following four key points be current or timely, be accurate, be dynamic and be brief.

Headlines are proactive titles that lead potential readers into active readership. They serve to entice readers or potential readers. They help to sell web sites, web pages and articles. Headlines can attract readers or potential readers into long term following and serve as advertising for other works or series of articles by a web site or web page designer, freelance writer or author of a blog.

What is the purpose of a headline? When a writer begins writing, he or she has to start somewhere. Creating a headline helps the writer to focus on his or her topic.

What literary devices help to sell a headline? Numerous literary devices that work include the following: the use of puns, play on words, alliteration that repeats first consonant, use of homophones or different spelling for words, use of humor or comedy, use of a double meaning, use of a double entendre – indelicate or potentially offensive meaning that may be risqué or ironic in nature and use of shock

In conclusion, one might suggest the dynamic nature of a headline makes it work. It speaks to web designer, freelance writer, as well as readers. 

The bottom line is to create a headline that sells.

1. http://web.ku.edu/~edit/heads.html

2. Ibid.

3. Ibid.


4. Ibid.

Simple Tricks to Help You Lose Weight: Ten Weight Loss Tips



You can trick your body into losing weight, simply by doing the unexpected. 

First, be aware that your body mass index is important when you want to lose weight, as it provides a guideline with respect to what your approximate weight should be, in relation to your height. Note that this can still vary depending upon your body build.

What is body mass index?

Body mass index (BMI) is a measure of body fat based on height and weight that applies to men and women.” (1)

Now that you have determined what you should weight, use the following tricks to begin losing weight.

See yourself as someone who can lose weight.

Do you look in the mirror and see someone who can lose weight? If not, begin to look at yourself that way, because you can lose weight, even though your mind and body may seem to be telling you something different. Picture yourself at the weight that you want to be and then, begin to work towards achieving that goal. The mental imagery you create for yourself will encourage you to reduce your weight. See the weight you are now, as being something in your past.      

Reduce the size of your plate and cup.

You may not realize that from day to day and meal to meal, you gradually tend to increase the size of your cup and plate, as well as your portion size, because you feel hungry and enjoy eating your food. More than likely, your body does not need that much food. You will feel better when you reduce your portion size. Reducing the size of your plate and cup helps you to reduce your portion size accordingly.

Add some spice to your life.

Spicy or tangy tasting food can be tantalizing to the palate and satisfying, as well. Reduce the amount of bland flavored food in your diet, because most of it is likely to be bulky carbohydrates that will cause you to gain weight. You are less likely to eat a lot of spicy food. It may be those spices and that tang that your body is craving, not the bland food volume.

Cut down your large meals.

How many large meals do you eat on a daily basis? You do not need to eat three, six-course meals per day. Eating only one and having several, smaller meals would suffice. Your stomach is only so large and over stuffing it with extra food will cause you to feel uncomfortable. Just how big is your stomach? Clench both of your fists and line them up together. Your stomach is not even that large.   

Listen to your body.

When you learn to listen to your body, it will tell you what to eat and when. Consume only as much food as it takes to make you realize that your need for food has been satiated. You can always go back later, but your body may not want you to do that. It may be something different your body is craving. An example might be one, hard peppermint that can satisfy your sweet tooth or one square of chocolate, rather than an entire chocolate bar, to satisfy your craving for chocolate.        

Learn to identify what your body is craving.

Your bodily craving may not be for food or something to drink. You may be craving intellectual stimulation, physical exercise or the release of creative energy, in some way. Perhaps what your body wants is to work off some of the extra sugar you have consumed. Try doing physical activity that is not food related. Find a stimulating book to read, learn a new skill or go for a bicycle ride. Sometimes, talking to a family member or friend about your craving can help to identify that need, but make certain that it is someone who gives you positive, constructive support and feedback with respect to losing weight.

Reward your personal successes.

Your successes are important. Always reward your personal successes and look past your failures. Remember that you will succeed at losing weight, if you are consistently determined to do so. See yourself as being successful at losing weight. Knowing you are successful, reward yourself accordingly, but not with food. Find something that makes you feel good like walking through a park and picking a bouquet of wild flowers or meeting a friend for a day of fun-loving activity. Walk the neighbor’s dog or babysit an active child for the day and see how much energy they have. As you lose more weight, your energy level will increase too.

Prepare or purchase only low calorie snacks.

Low calorie snacks are easy to prepare. If you have to go out to purchase them each time you had a craving, you would probably not do so. If you are aware that you may eat the wrong kind of food, keep only low calorie snacks in your cupboards or your refrigerator. When you do have cravings, you will be able to munch on them, instead of high calorie or high carbohydrate snacks that add needless pounds. Before you start to munch on any kind of snacks, place a portion of your chosen snack in a small dessert dish. That may be more than enough to satisfy your craving. You do not need or want to eat all of your munchies at one sitting.

Walk around carrying ten pounds of sugar for an hour.

If you carry ten extra pounds of anything for a while, you will find that you feel tired, frustrated and physically exhausted. Putting the weight down will prove to be a huge relief. Recognize that each time you lose ten pounds is like putting ten pounds of sugar back on the shelf. Ask yourself, why carry senseless weight when you do not have to do so? 

Begin to increase your physical activity gradually.

Increased physical activity invariably means potential, weight loss. Walk your dog instead of having your children do that for you or hiring someone else. Why pay to have someone walk your dog, when that money could purchase new exercise equipment for you and your family? Always park your car where you have to walk across the parking lot. Better still, use your bicycle or walk to the neighbor’s instead of driving. Do some extra gardening or plant flower beds to encourage yourself to bend and stretch. Plant some herbs to spice up your meals.   

These are all simple tricks you can do to help your lose weight. Be honest with yourself and others about your weight, as your body will reveal the truth. As you begin to lose weight, dress appropriately. Place all of the clothes that are too large for you, into a box to give to someone who needs them. Feel free to find yourself something new, exciting and different; in other words, find clothing that fits you better at your new weight. 

Knowing you are approaching or have reached your appropriate BMI goal for you, will give you a sense of accomplishment. 



Healthy Tips for Summer Picnics: Celebrate Summer With a Picnic



Summer is a wonderful time to enjoy the sun, surf and sand. Celebrating summer with a picnic is even better. Ensuring your picnic is a happy and healthy one is important.

Consider the following healthy tips for summer picnics.

Know your picnic destination. Plan your picnic based upon your proposed travel destination. Will you be fishing, driving in the mountains and wilderness country or heading for the beach? There are endless, beautiful places, but choose your picnic location carefully, remembering a healthy environment is important.  
There are many different ways to have a picnic. Choose one that works for you and your family. A location where you can leave everything in the car until you put it on a picnic table, may be easier for you than a picnic where you are hiking and carrying everything for miles. It does not matter where you picnic, but make certain your picnic destination will be a clean and healthy place to eat. Hopefully, you and your family will enjoy being at that location for a pre-determined length of time.

Talk to others who has been there previously. You may have to use your own judgment. Ideally, you want a quiet, peaceful area that will not present health concerns for yourself or your family. Is the area swampy and likely to have mosquitoes or black flies? Is there clean sand on the beach? Is the water in the area fresh or is it likely to be contaminated? Is the location close to a freeway or a highway that will be noisy? Will it be overcrowded? Is it safe for your pets? Remember these present health hazards.

Obtain tourist guidelines, if possible. Brochures may be available for the use of picnic facilities in parks, tourist areas or on beaches. Are there fire restrictions? Watch for directives about the proper use of barbecues, fire pits or campfires. For families with small children, there may be safe playground areas. Parks may have picnic tables or tents. Ask about washroom facilities, showers and change rooms, wherever you plan to picnic. Find out if there will be fresh, running water. Do you have to bring your own water? Ideally, anyone heading out on a picnic should take sufficient clean, fresh drinking water for everyone.

Check for weather alerts before leaving for your picnic. Prepare appropriately for the weather. If it is going to be extremely hot and humid, how you prepare for your picnic will be different, than if it is going to be cold. Possible stormy weather with anticipated high winds, heavy rain, thunder and lightning, can lead to a sudden, picnic disasters. Extremely hot and humid weather raises concerns about the danger of sunburn, heat stroke and sunburn. Be ready for whatever and dress accordingly. Pack suntan lotion or sunscreen. Make certain that there are umbrellas and sun hats for everyone, if there is no shade in the picnic area.

Pack your picnic lunch carefully. Purchase only fruit and vegetables that are fresh. They should be blemish free, as in the heat, even fresh food will go bad quickly. Wash them with clean water and wrap them carefully in paper towels to prevent travel damage. Keep fruit and vegetable items separate, preferably in plastic containers with lids. Place them in a clean cooler with ice. They may freeze, so how you pack them is important. You will not enjoy eating fruit like pears or tomatoes that are frozen in the cooler. They will spoil quickly once frozen.

Purchase only fresh cold cuts, chicken, meat or fish. Check the dates on prepackaged meat containers to ascertain they are not expired. Place them in ice in clean, individual plastic containers with tight lids. Leave fresh meat on ice in the cooler, until you are ready to put it on the barbecue. If it must be thawed, do not place it in direct sunlight. When ready to barbecue, use clean, barbecue utensils. Make certain the barbecue is hot. Cook your meat thoroughly. If you take your own barbecue, make certain it has been cleaned, properly ahead of time. Do not assume a park will have an outlet for an electric barbecue. Leave nothing to chance. When you use the barbecue, cover the rack with tin foil. If you are using a public barbecue, make certain that you use tin foil on the grill.

Wrap sandwiches in wax paper or plastic-wrap, individually. Put them in sandwich bags or sandwich-size plastic containers. Keep different kinds of sandwiches and unopened, sandwich containers separate. Label your sandwiches so you know which ones to consume first, like chicken and turkey. Tomato sandwiches can become overly moist, while other kinds of sandwiches can become too dry. Lettuce may freeze when sandwiches are stored too close to ice in a cooler. Buns, crackers, cookies, chips and pretzels, should stay in their packaging, until you are ready to use them. Once packages have been opened, baggies work well or place the leftovers in plastic containers with lids.

Milk, cheese, yogurt, ice cream or other dairy products, should be fresh at the time of purchase. Pack them in a cooler with ice. Whipped cream, milk and cream may turn sour quickly. Ice cream products will melt immediately, in the heat. Mayonnaise should be in a cooler. Be careful with egg products. Purchasing prepackaged cheese for children is a good idea or cut cheese into small pieces and put it into plastic containers. This is preferable to cutting cheese that is warm and soft. Place chocolate in a cooler, as it will melt.

Pack glass containers carefully, so that there is no breakage. This includes bottles of juice, wine, wine, pickles, olives, relish and ketchup. Use a cooler, but be aware that freezing can cause glass to break. Wrap glass containers in t-towels.

To avoid cross-infection, encourage everyone to use disposable cups, glasses, plates, cutlery and serviettes. Dispose of them properly in garbage bags, as soon as possible after eating, to avoid attracting flies or ants.
Insist everyone washes his or her hands with hand soap, prior to eating or use a hand sanitizer. It is also a good idea to wash your hands after eating and important for children with sticky fingers. Anyone handling food, including the one doing the barbecuing, should wash his or her hands frequently.

Pack a plastic tablecloth or two, as you do not know the picnic table you will be using. Pack a blanket or several, large beach towels, in case there is no picnic table. You may have to sit on the ground, but sitting on the grass or on a rock can be fun!

Take a first-aid kit in case of insect bites or burns, as well as cuts or scrapes. Check it carefully and make certain it is easily accessible. Pack iodine for cuts and an antihistamine for anyone with allergies. Avoid taking foods someone is allergic to, like peanut butter or strawberries. Include a medication for diarrhea, fever and travel sickness.

If you carry a picnic lunch in a backpack, make certain the containers do not leak. Take prepackaged snack foods like nuts, raisins and snack bars instead of soft foods or things that will melt. Avoid over-packing, as it will be heavy to carry.

Make certain that everyone stays hydrated on your picnic. Pack a thermos of tea or coffee, as a stimulant. 
Pack extra cans of juice, pop or other kinds of beverages in a cooler with ice. Avoid excess alcoholic beverages.

Staying healthy is your concern, as well as the mutual concern of everyone else on a picnic. To prevent the spread of infection, do not encourage anyone who has the flu, bad colds or diarrhea to attend your picnic. If necessary, consider postponing it.  

Plan the day’s activities well ahead of time. It is a lot of work to prepare for a picnic, particularly a large one, but with many hands, it can be fun, too. Remember that picnics are supposed to be fun, so planning well ahead of time is important. Everyone should have fun and come back home feeling refreshed and still be healthy.


Wednesday, September 24, 2014

Five Basic Rules for Successful Business Mentoring Relationships: Secrets to Success as a Business Mentor



Are you involved in a business mentoring relationship? Mentoring is an art. Successful business mentoring relationships invariably present a challenge for a mentor, because the success of the person or people mentored with respect to a successful business reflects back on the mentor.

Five secrets to success in a business mentor relationship include the following: creating a well-researched, positive and constructive business plan, establishing sound business principles based on honest and integrity, setting a good example for the person, people or business you are mentoring, mentoring on an appropriate level and evaluating your degree of success on a regular basis

The business plan

What is your business mentoring relationship based upon?

Begin with a sound business plan that will serve as a model for those who you are mentoring. You may need to create a new, well-researched, business plan. It should be positive, constructive and geared towards success. You may need to fine-tune one that has become outmoded or is obsolete.

How well you know your themes, topics and basic business plan is extremely important. There may be others in the group you are mentoring with some degree of expertise in different areas. What they know can enhance your business, so allow them to share their knowledge with you.

Have you defined your business topics and themes well? The choice and presentation of your business information is extremely important.

Think seriously about what you know before you begin to mentor anyone, either on a personal level or a group level. You may need to increase your own knowledge base first. Build a substantial knowledge base, as all of the information that you plan to present must be rooted and grounded in valid information. Are your sources reliable and verifiable?

Business principles

Establishing and maintaining sound business principles based upon honesty and integrity is vital to the survival and success of any business. If basic business principles are not sound, the business cannot stand, as it is immediately destined to failure. The business principles you present to those you are mentoring, should be rooted and grounded in your own honesty and integrity.

The same business values, ethical mores and standards you teach or practice, will be passed on to others by those who develop the art of mentoring, so what you teach is important.

Example

It is not what you teach, but what they see you do professionally, personally and publicly in your own business, that sets an example for others. They will appreciate your degree of professionalism on every level of your business. They will also recognize its merit in terms of the success and failure of their own business.
Setting a high standard by what you say and do personally, leads others to say and do the same. Ideally, most people are seeking to achieve a high level of success and will respect what you and your business represent.

Mentoring

When you are mentoring, it is important to begin with an appropriate base of understanding, so that the person or people who you are mentoring are all on the same level. Develop different mentoring models.
At times, it may be appropriate to simplify what you are teaching to ascertain that the steps in your mentoring will stand, as you increase the teaching in your mentoring process.

Let others express the fact that they feel uncomfortable, confused or unable to relate to what you are teaching. Help them to resolve those issues and concerns by taking a different approach. Always allow room for personal or open discussion. Avoid intentional distraction that disrupts your mentoring process.

Evaluate

It is important to evaluate the person or people you are teaching, throughout the mentoring process. In other words, do simple evaluation tests individually or in groups, so that you know what level of success your efforts are achieving. You may find that you have a natural leader in among those who you mentor.
Because individuals are different and not all people are business oriented, use different teaching-testing business models. Draw upon their strengths and weaknesses.  

Summarize what you are teaching with respect to the proposed new business on a regular basis. Clarify through evaluation, what those who you are mentoring know and understand. Keep on moving forward in the mentoring process.

In conclusion, as a business relationship mentor, remember that you are helping to determine what happens in the future of those who you mentor. You will know how successful you are as a mentor, when you see the level of success that they have achieved in their own businesses.


Tuesday, September 23, 2014

Personal Financial Planning For Beginners: Financial Planning at Age 8. 18 or 80



Whether you are eight, eighteen or eighty years of age, you can learn personal financial planning as a beginner. (1)

It is never too early or too late to start. A parent, familiar with and/or practicing financial planning, may start his or her child on a basic, financial training program at a young age. A young child must learn how to handle money, even when it is only a small amount allotted to him or her. Does your child have a piggy bank? 

Saving pennies is a good place to start.

An eighteen year old should already be actively engaged in financial planning with respect to his or her needs, including ongoing education leading towards a future career. He or she should have an eye towards possible marriage and a family. If not, it is never too late to begin personal financial planning.

An eighty year old may suddenly be alone, following the loss of a spouse. Perhaps only one partner in a relationship has handled the finances for both, throughout their lives. The surviving spouse must learn to become financially independent by learning personal financial planning.

Personal financial planning involves two basic elements, money that comes in and money that goes out. Most people have some idea of what to expect in terms of actual income, but may not know what they spend on a weekly, monthly or yearly basis.

An eight-year old child knows that he or she can expect a certain amount of money, as his or her allowance. An eighteen year old knows what his or her income from parents, jobs or student loans will likely be. As long as an eighty year old is healthy, he or she will be aware of what his or her income is from a retirement pension, other kinds of pensions, savings, disability income and interest on savings.

Keeping records of one’s income streams is important regardless of a person’s age. It is possible to keep a written record of the actual income one has coming in on a regular basis. Even a young child who can read and write is able to do this with assistance from his or her parents.

There may be both active and passive income streams that need to be up-dated regularly, as income flow can vary. This is important for income tax purposes, as every adult is required to report his or her income on an annual basis.

The easiest way to keep a record is to use a budget book, notebook or computer program. A regular record should be made of actual or anticipated income. As income is documented, it becomes an ongoing record. If a child can do this, so can an eighteen year old or an eighty year old.

A budget book can be set up in separate columns representing each source of income and a total income at the end of each week, month or year. For example, a child who receives an allowance can keep one column for that, another for income he or she earns cutting the grass, washing the family car or babysitting and a third one for money received as gifts. Parents can assist to the child to calculate the totals. 

Documenting each income stream separately and totaling them individually, as well as together, allows one to see what each source of income actually is and how it compares to other ones. In other words, for a child, how much is the total allowance received? How much is the total for income from earnings or from gifts? Of course, this becomes more complicated for an eighteen year old and an eighty year old, but the basic principle is the same. Document each income stream and keep a running record of the total income coming in. Keeping pay statements or other records of income streams makes them verifiable, so learning how to use a filing box or filing cabinet is important. That is the easy part of personal financial planning.

It is generally more difficult to keep records of outgoing income. Have you ever come to the end of the month and did not know where your money actually went? That happens to children, as well as young and older adults. The most important thing is to keep accurate records on a weekly, monthly and yearly basis, documenting what is going out or income spent.  

A child can keep a record in the same notebook he or she uses for incoming income. The record should include an accurate documentation of money spent, saved or put aside for special projects, like buying a new bicycle or birthday presents. Children do not have fixed expenditures like an eighteen year old or an eighty year old. An eighteen year old has both fixed and variable expenses. Perhaps he or she has car payments to make and insurance coverage for his or her vehicle. Maybe he or she has begun to put money in a bank account for buying a house. An eighty year old would be looking at both fixed and variable expenses with respect to his or her home or a retirement home.

Fixed expenses will vary from individual to individual. Keeping accurate records of them is important, as they involve living expenses, like mortgage payments or rental housing. They may also include property taxes, heating with gas or hydro, car payments, as well as home and vehicle insurance.

Variable expenses may change from week to week. These include things like food, clothing, transportation, entertainment, gifts and gas. Keeping an accurate record of variable expenses allows one to see where his or her dollars are spent. No one can keep a perfect record of every thing in his or her mind, so writing down or otherwise recording the amounts that are spent is important. Retaining receipts helps a person keep an accurate record that is verifiable when necessary.

Avoid credit cards. Most people are not aware of the amount of interest that they have to pay on credit card purchases and thus, it is usually wiser to avoid the use of credit cards completely. Avoid using debit cards too, as they can be too convenient and tend to be overused. If you spend only cash, you know immediately what you have spent and what you have left to spend. Regardless, keep a record of every financial transaction.

It is not what you earn, but what you spend that determines your financial status in life. It might be wiser to suggest that it actually is what you save. If you spend more than you earn and save nothing, you may enter into a debt situation that involves paying high interest rates in terms of debt repayment. Paying interest on interest is never advisable, so paying off one credit card with another is not a good idea either.

Tithing ten percent is a basic Christian principle with respect to financial management. A good rule of thumb is to save ten percent of each amount of income that comes in. Another ten percent should be set aside for financial emergencies.

Balancing one’s budget means maintaining a situation where one’s finances are always in the black and not in the red. In other words, one has money in the bank and the bank account is never overdrawn. Counting and saving pennies invariably leads towards counting and saving dollars.

Learning how to budget helps a person keep his or her finances in order, regardless of the age of the person who is budgeting. Planning ahead to meet basic needs avoids a panic situation in the future.

Financial planning is not that difficult. It can be rewarding as a person watches his or her bank account grow. Placing needs before wants or desires is always a good rule of thumb. Being aware of trends in the economy is important too, as interest rates fluctuate from day to day, week to week and year to year. Know what the value of the dollar is and what it means when it rises or falls.

As a rule of thumb, purchases should be made with an eye to the future, recognizing the reality that there is an extremely high markup on many items. Many things go on sale with up to seventy percent reduction. Shopping carefully in a wise and timely manner makes a huge difference with respect to personal finances.

Talking to a bank manager or financial counselor about investing in stocks, bonds, educational savings plans or other kinds of savings plans including retirement savings plans, will help set guidelines with respect to saved money that could be generating or earning passive income.