Money in the Bank

Written by Sibylla Nash


Continued from page 1

Now back torepparttar house buying part. You're probably thinking, that's cute, but how am I supposed to save enough money for a down payment on a house when I struggling to meet my rent every month? Well, if you're serious about owning a home, you need to know what obstacles you're facing.

Get your credit report. See if you have anything negative on it and then fix it. It may take a few months or a year, but start working on it now. Open up an account for your down payment and have a certain amount of money from your paycheck deposited into that account every pay period. Figure out ways you can trim down your budget to save, i.e. bringing a lunch to work rather than eating out, kicking that smoking habit, etc. Also, look into doing a FHA loan as opposed to a conventional loan. The down payments are smaller. Start looking for a realtor, if you can't qualify for a mortgage, they will tell you why and what you need to do in order to get a home. Owning a home is one ofrepparttar 130320 better investments you can make. Unless you bought your property at an inflated price,repparttar 130321 value in your home can only go up. You get tax write-offs and you can always pullrepparttar 130322 equity out of your house if you need money. Atrepparttar 130323 end ofrepparttar 130324 day, we arerepparttar 130325 best teachers for our kids. Let them form their opinions about money by watching you save and spending itrepparttar 130326 right way.

Freelance writer and author of DreamCity, Sibylla Nash has written for a variety of magazines and newspapers. She is a graduate of USC (go Trojans!) with a degree in journalism. You can read all about her adventures in motherhood as she details her daughter's baby modeling career. Visit her at http://www.tribecahouse.com


Verbal Self Defense – A Critical Factor in Self Defense for Women

Written by Michelle Annese


Continued from page 1

Knowing how to use these devices also plays a huge role in protection. You must know howrepparttar device works and be familiar with it. How? Practice. Practice. Practice.

When using mace, go outside and shoot a tree. See howrepparttar 130317 pepper spray really works. Seerepparttar 130318 distance it takes to reach a target. If you’re going to use your keys, pre-plan ahead of time just exactly where on an attacker you would jab them. The eyes and throat are terrific targets. Tell yourself, “I will use this if I feel my life is in danger – No Question.” and without hesitation.

There are places that actually have computer simulated mace practice rooms. They are extremely life-like. These arerepparttar 130319 same simulation rooms that police and security officials use for their own training. Check with you local law enforcement to see if they are available in your area.

This type of training helps to programrepparttar 130320 mind during adrenal-stress. Or another form is called Body Alarm Reaction (B.A.R). You must trainrepparttar 130321 mind with a stressful situation or adrenaline response to know just how you will react during an actual confrontation or attack. How you react in a B.A.R. moment will let you know if you’ll hesitate in a life or death situation.

Knowing how verbal self defense works can be a terrific safety tool for woman in preventing them from falling prey to an approach of a stranger. Verbal self defense is also another way to build your confidence in yourself. It allows women to seerepparttar 130322 power of their voice,repparttar 130323 protection they can have from their voice, and to not feel threatened by anyone.

Michelle Annese is a 3rd degree black belt with 15+ years experience teaching industry specific self defense and safety for women and children. She is author of The Realtor Survival Guide, Protection for Women, and The SafeGuard System for Kids. For more information on how to protect yourself and your family go to http://www.protectionforwomen.com Check out other articles by Ms. Annese and get her free safety tips e-newsletter.


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