writing

Personal Finance – Three Reasons You Should Keep a Spending Journal

Keeping a spending journal is one of the most important financial decisions that you'll ever make. So why don't more people keep track of what they're spending? Chances are if you're not keeping a spending journal right now you've either never heard of it or you aren't aware of the benefits. What could it possible do for your financial situation to simply write down how much you're spending? If you're wondering about this, here are three reasons why you need to start keeping a spending journal as soon as possible.
Benefit #1: Overcoming Denial
When you start writing down everything that you're spending you'll be 100% aware of what you're spending and how much spending you're doing. Over spending is MUCH harder to do when you're being consistently reminded of how you're spending your money. For example, many people start keeping track of their spending and find that they're spending hundreds of dollars a month eating out. When this happens and you become aware of how your spending is matching up with your exact values, you'll be compelled to make changes in your spending habits.
Benefit #2: Coming Up With a Plan
The second benefit of keeping a spending journal is getting enough clarity about your financial situation so that you can come up with a plan for how to control your spending. For example, in the four bucket financial system, you spend according to four categories: living expenses, investing, giving and setting money aside for purchases or emergencies. Your living expenses represent 70% or less of your spending while the other three categories represent 10% or more each. In order to put this plan together, you need clarity about how you're already spending your money and where you need to make your adjustments.
Benefit #3: A Great Sense of Control
Much of the financial stress that people experience comes from feeling that they are out of control. This feeling diminishes quite a bit once you get a clear picture of what's happening in your financial life. Even if things aren't going well, having clarity will help you quite a bit because you'll no longer be wondering what is happening. Fear comes from uncertainty and uncertainty can be cleared up almost immediately by keeping a written record of what you're spending and why you're spending it.
So now that you're aware of what the benefits are of keeping a spending journal, why not start your spending journal right now? You can begin by saving all of the receipts from your purchases and writing down what you spent today. It will take only fifteen minutes and by getting into this habit, you'll build a stronger awareness of what your financial habits are and have a much better grasp on coming up with a plan for changing them and taking control.

education

Great Drama Activities For English Classes

Puppet Time

Who does not enjoy puppets? They are especially fascinating to younger pupils, and your class will love if you begin the day with a puppet on your hand. Let the puppet welcome your English enrichment class students at your initial circle time if you opt to start the day with a routine class pal or mascot. 

You can also contribute to the individuality appeal of your puppet by having it make constant mistakes in its vocabulary usage. Have the puppet say basic errors fancy, "Hello. How are me?" and allow the children cherish in correcting their silly puppet pal.

One-minute Theatre

One-minute Theatre, like Human Slideshow, can be made use of to sum up chapters, publications and various other reading material. It can likewise be utilized to expose your pupils to the stories of tough work, so that they can focus on understanding the writing instead of following the tale.

You can provide pupils a recap of a full play or of smaller sized sections of it, then request them to review it, designate positions and put together a one-minute play that goes with the summary. Do not be a disciplinarian for time. If their plays take 2-4 minutes, that's great too!

The trick here is to make the activity challenging, yet achievable for each kid. Plays are perfect for this function, of taking care of varying abilities, as you can offer larger roles to more advanced students, hence keeping them motivated and tested while making it considerably simpler for the slower pupils by giving them fewer lines. Meanwhile all pupils will be gaining from being involved and listening to the English conversed over and over again.

The educator's own enthusiasm also goes a long way towards encouraging a child. Anybody who has instructed a class of children know how swiftly they sense and mirror your frame of mind. If you believe your English grammar class is boring, so will they! By using drama as an instructing method and enabling children to learn language in the simulated reality of a story they will obtain far more fun from the program and fun is constantly inspiring.

Art Projects

Art is a great means to get your young pupils delighted and fascinated in a selection of lessons to reinforce various vocabulary. Let's say you're utilizing an art class to follow up the learning of various colour words; you could ask students what colour they're using with the phrase "What colour is this?"

The same type of lesson can be made use of once pupils become more advanced with various other type of vocabulary, from fruits to jobs to pets, by having students draw pictures using the vocabulary that was introduced in course and afterwards assisting them to label their drawings making use of the words they discovered.

education

6 Chemistry Careers For You To Pursue

Chemistry Teacher

Chemistry educators are employed in schools passing on their understanding of chemistry to the next generation, following an established educational program and helping their pupils to pass and succeed in their school examinations. As well as a degree or equivalent credentials in chemistry, you might additionally require an educating qualification (such as a PGCE in the UK) in order to be employed as a JC chemistry tuition educator or chemistry teacher.

Oil, fuel and mining

The petroleum industry consists of the worldwide procedures of expedition, extraction, refining, transferring, and advertising oil products. The largest volume items of the industry are fuel oil and fuel. Oil is likewise the raw product for lots of chemical products, including pharmaceuticals, solvents, chemicals, plant foods, and plastics. The sector is typically separated into 3 major parts: upstream (exploration and manufacturing), midstream (transportation), and downstream (refining petroleum, handling and cleansing gas, producing petrochemicals).

Chemical production and synthesising

The chemical industry is critical to modern-day globe economies and functions to transform resources such as oil, natural gas, air, water, metals, and minerals into greater than 70,000 different items. These base items are then made use of to make consumer products along with production, solution, construction, farming, and other markets.

Over three-fourths of the chemical industry's output globally is polymers and plastics. Chemicals are made use of to make a wide variety of consumer goods, along with hundreds of products that are inputs to the farming, production, service, and building and construction markets. The chemical sector itself takes in approximately a quarter of its own production. Major industrial clients include rubber and plastic products, textiles, clothing, oil refining, paper and pulp, and main metals.

Forensic Scientist

Forensic scientists search for and analyse forensic materials located at crime scenes, for instance blood and other bodily fluids, hair, or non-biological materials such as paint. They are then able to present this proof for use in legal inspections and law courts. Forensic scientists might occasionally be hired to speak in court as experts in their field, to describe the evidence to the jury.

Water Chemist

Water chemists, as the name indicates, are interested in analysing and preserving the quality and condition of water, essential for human life on Earth. This is a highly interdisciplinary niche, so along with chemistry you may also require understanding of connected fields such as microbiology and geology. You might discover similar roles under a range of names, for instance hydrologist or hydrogeologist.

Pharmacologist

Pharmacologists carry out the development and screening of medicines, analysing how they connect with organic systems. This is important for making certain that medicines are risk-free and efficient for human use and might entail the testing of drugs on animals or on human volunteers. Pharmacology functions are usually lab-based and may include non-standard hours so as to keep track of ongoing experiments.

journal

Tools For Self Guidance – Three Powerful Ways to Find Your Own Wisdom and Move Your Life Forward

At a recent workshop I was asked for tools for self-guidance and here are three I have used myself at different times.
WRITING IN A DIARY OR JOURNAL This tool works because you get your thoughts out so that you can review different aspects of your situation. It's effective in a similar way to a conversation as you get to express thoughts and feelings. Try to write without 'editing' to please an imaginary judgmental reader. You are the only reader and editing may be in the way of the truth. Start by clarifying what you are seeking guidance about. Ask yourself the questions you want answer. Then write answers as if you are a magazine 'agony aunt'. Or let your thoughts flow freely, ranging around until you find you are writing something helpful.
SLEEPING ON IT people say 'sleep on it' when someone voices their concerns but is not getting anywhere. It does work. Write down your issues and questions before you go to sleep, or sit with them in meditation or prayer. Let them go and go to sleep. Then notice what is there in your psyche as you wake up. It might be pictures, dream fragments or fully formed thoughts. There may be new insights or a fresh way of looking at things available to you with the new day.
FINDING ANSWERS IN NATURE Nature offers so much as a source of inspiration and wisdom and this is something to do wherever you are. Taking your current life question with you, go out into a park, a garden or on a country walk. Keep an eye out for something that attracts you that you can take home easily, perhaps a stone, a leaf or a fallen twig. Don't look for anything in particular in this exercise, just for what catches your eye. Take it home and sit comfortably. Talk to yourself about the object, noticing everything about it. Then form sentences starting with 'What this...(the natural object) Tells me about... (the life question) is... and see what answers come to you.
All the best with using these tools for self-guidance. I'd love to know what happens when you try them. Please do write and tell me.

education

Personal Photography

There are many types of photography, some types not as glamorous as other types. I could use up a couple paragraphs just listing them all; but since there only a couple that interest me, I won't. But let me tell you about the type I enjoy the most, "Personal Photography", sounds like I just made that up but I didn't. See I've been doing this type since I was fourteen years old, need I mention that I'm fifty-one years old now. As a young lad I was always interested in photography, the one way I could show where I had been or what I had seen.
Most important of all, it's the personal memories it gives me of days gone by. Days that I will never see again and the people whom I most likely will never meet again. This is the type of photography you can't buy, and maybe of no interest to anybody else. The photographs of my Mom and Dad whom have passed away; I can look back on those photos and see the different stages of their lives and reminiscences of how those times were. Photographs of my children as they were growing up; photos that show the changes in each of them, and most of all the pictures that make each of my kids unique.
Sports and Landscape photography are what catches my main interest, and now and then an Air Show photography shoot. But Personal Photography is what keeps me snapping pictures. Now that we have computers and digital photography, ("if that sentence doesn't show my age,") I try to keep my hard drives and backups full of my personal photos. And I still have many photo albums full of black and white photographs, as well color images from color negatives. Someday I will transfer those Images to my computer also.
And no matter what type of camera you have, personal photography can be taken with a "high-end" digital SLR camera or even now days: a cell phone camera. You don't need to be a certified professional photographer to take this type of photograph and you really don't need to impress anyone but yourself. Don't let time pass you by without photographing it, because it is a moment in time that you will own forever. I am glad I had taken photographs through the years of the people I love and the places I've been, but most of all the pictures of family and friends that have "past-away". I seem to always recollect when I look at photograph I had taken, the time frame in my life of that snap shot.
Trust me when I say it's cheaper now days to take photographs then it was when I started doing photography! So go out and get a point and shoot camera or the digital SLR that you have always wanted to get and start recording your own personal photography journal. And when you start taking pictures of people and places close to you and look back on them you'll find personal photography is the most important photography in life.

writing

Three Ways to Deepen Your Gratitude Practice

The art and science of happiness has begun to get a lot of attention in the media lately. At the same time, practice of gratitude is now recognized as an important path to happiness. Research has begun to show us what we all intuitively understand, which is that the practice of gratitude improves our moods, our relationships, makes us more optimistic, and even helps us take better care of our health.
I'm sure you understand the basic concept of a gratitude journal as part of gratitude practice - just set aside few minutes every day to write down what you're grateful for. By placing some focused attention on gratitude, you practice the art of being grateful and gradually it becomes a habit. Remember, the way we focus our attention profoundly affects our experience of daily life and our relationship with ourselves. Why not have a more grateful and positive experience in life?
Gratitude is helpful in any form. However, if you're finding it hard to generate ideas (or you're a whiz at gratitude and are ready to take it to a deeper level), here are some exercises that can help you dig in:
1. Be grateful for the different kinds of people in your life.
Try following the following cycle, spending a few minutes contemplating gratitude for these categories of people: yourself, a benefactor or someone who has always been a source of goodness and wisdom in your life, a friend, a neutral person (i.e. someone who you have neither positive nor negative feelings toward, this could be a stranger), and someone irritating or you simply don't like (in the Buddhist tradition, this is sometimes called an enemy).
Start with yourself because loving and being grateful for yourself allows you to have a strong core from which you can be grateful for others. Then continue the cycle, starting with people for whom it is easy to be grateful and progressing to more challenging people.
Why would you be grateful for an irritating person? Sometimes people and situations that we don't like, while unpleasant, offer us lessons and possibilities for self-development that we could not get in any other way. For example, irritating people teach you how to be patient, give you an opportunity to ask yourself if you do some of the same behaviors, or give you insight into others when they are frustrated with people in their life. It's also a great opportunity to practice compassion. You had situations in your life that allowed you to become you are and we rarely know the path and challenges that led other people to become who they are.
If you are familiar with loving kindness meditation, you will recognize this cycle. If you'd like to learn more about lovingkindness, read the book "Loving-kindness the Revolutionary Art of Happiness" by Sharon Salzberg.
2. Be thankful for your past, your present, and your future. Go through a cycle of contemplating these three phases of your life, noting the gifts that people and situations have brought to you. Many of us have experienced challenges in our life and even face difficult situations in our current life, but it's possible to look for lessons and understand how our life situations brought us to be who we are. For example, in life coaching I've seen that sometimes people who face the greatest challenge in their lives are capable of the greatest compassion and self reflection.
3. Be thankful for what you do not have. Sometimes what we do not have, such as dreams or even material things, become important sources of inspiration to create a great life. On the other hand, sometimes what we do not have offers as an opportunity to learn about ourselves, to be patient, or to develop greater depth of character.
Good luck with these gratitude tools. If you'd like any support of pursuing your gratitude practice or just want someone to celebrate your new insights, you're invited to contact me anytime. Enjoy your beautiful life!

journal

15 Tips for Sticking With Your Exercise Program

You've decided to start an exercise program and that's great. Unfortunately, more than half of all people who begin an exercise regimen quit within the first six months. It's not easy to develop a successful exercise program that you will stick with for the rest of your life. However, there are steps we can take to boost our enthusiasm and to facilitate long-term program adherence. Specifically, these 15 behaviors will help you stick with an exercise program for years to come:
1. Set realistic goals. Make sure your expectations regarding your exercise program are reasonable.
2. Write your goals and post them in a visible area. This provides you with a constant reminder of why you are exercising.
3. Share your goals with others. This allows your friends and family members to encourage you.
4. Consistently monitor your progress. Steady improvement is a tremendous motivator.
5. Choose a convenient time and place for your workouts. You are much more likely to stick with your exercise program if it is convenient for you.
6. Start easy and slowly build your effort. Simply stated, don't overdo it!
7. Keep your exercise sessions brief. 30 minutes is enough in most instances.
8. Choose a variety of exercises and activities to avoid boredom. Boredom is a common reason for quitting an exercise program.
9. Combine family and exercise time. For example, walking, hiking, skating and bike riding all offer an opportunity to combine exercise with family time.
10. Learn how to do your exercises safely. Injury and soreness are common reasons for quitting an exercise program.
11. Work out at the same time every day. This will allow you to get in the habit of exercising at a particular time of day.
12. Keep an exercise journal. This provides you with a picture of your progress, which can be a great motivator.
13. Schedule activities around your exercise sessions. Once you have identified the days and times you will exercise each week, schedule your other activities around these times. This demonstrates the importance of your exercise program in your life.
14. Don't stress out if you miss a workout. Missing an occasional workout is not a problem. In fact, it's to be expected. Just get back to work the next day.
15. Make sure you have fun. No one sticks with exercise unless they enjoy it. You can make sure you have fun by selecting activities you really enjoy and by working out with others.

education

The Benefits of Keeping a Daily Journal

Journals are nothing new, they have been around for centuries. Everyone knows about Anne Frank of course, and the two years she spent hiding from the Nazis, and historians can never forget about Samuel Pepys, whose diary provided us a glimpse of what life was like back in 17th Century London. But why did these people keep an account of their daily lives? Why does anyone? It's certainly not for preserving history.
Truth is, there are many reasons and benefits people write about the day-to-day happenings of their lives. Some of them are:
1). It can improve the quality of your writing. Keeping a daily journal ensures that you will get some much-needed practice frequently, which is good if you ever intend on making a successful career out of your writing.
2). It provides hindsight to your problems. If you write about all the various issues you face, and keep up to date with how you handle them, then you might be able to pick up patterns in the behavior of yourself or others. From them, you can learn, grow, and ensure you can handle problems much better in the future, if not keep them from happening ever again.
3). Writing can reduce stress. We all have bad days. Sometimes we just want to scream at somebody, throw something around, or beat the living snot out of whatever we come across. all work, sure, but they're destructive and hurtful of both yourself and others. Ranting in your journal about all of the things that tick you off while you are in a nasty mood is in many ways a better way to relieve that anger. There are fewer hurt feelings, fewer bruises, fewer regrets, and fewer chances to get arrested.
4). It can improve you memory. A lot can happen to us over the course of a year, or even a month, whether we realize it or not. It's not hard to imagine how the days just seem to blur together after a while. And worse, sometimes, we can forget some very important things, like scheduled meetings and deadlines. For many people, writing is a good way to better commit things to memory. At the very least, a journal can also act as a makeshift planner of sorts.
5). You can better understand yourself. One would expect that we should know all about ourselves, but alas, even we can come across as alien at times. But more than that, sometimes, we just don't know what makes us tick. We don't know why we have the opinions we do, or how we ever developed them. With a journal, you can always examine your past thoughts, and mull over them again.

writing

The Easiest Weight Loss Trick

One of the best things I have ever done to help myself eat healthy is keeping a food journal. I struggled for many years with eating too much, eating too little, and eating junk. You can't survive eating this way. It is not good for your body as there is no way you are getting the proper nutrition. I found keeping track made me so much more aware of what I was eating, it causes you to think twice about what you put in your mouth.
Keeping your journal is very easy. It does not have to be elaborate. Get yourself a little pocket notebook and start right away! Put down everything you put in your mouth. Even if it is one grape, write it down! I think you will be very surprised how much you eat that you were not aware of.
If you are struggling with weight gain this is a wonderful tool to figure out where those extra calories are coming from. Calories add up so fast, especially if you drink beverages with high sugar content. Water is always best! You should be drinking half your body weight in water. If you are 100 pounds you should be drinking 50 ounce of water.
You do not have to keep a journal for ever. I think you will notice that just by doing it your habits will start to change. I know for me I did not want to write down that I ate 6 cookies, so I didn't eat them. It caused me to make better food choices.
Good luck, and remember food is needed for nutrients so try to make healthy choices. I take supplements because I find it hard to get all the nutrients I need from food. If you keep the journal you will be on your way to better eating!

journal

Envy Eats Away at My Heart

At the end of 2009, I purchased a small journal from Target. This little notebook serves the purpose of collecting random ideas that hit me at random times. It fits neatly in my purse so it goes with me everywhere. Assuming I actually have a pen in my purse (and not only eyeliner or lipstick to write with, which has happened on more than one occasion), it's a nifty little tool to have.
I was waiting for an appointment last week, and began thinking of topics to blog about and I kept writing the word "envy."
Envy is an odd duck.
Since having a book (and now almost two books) release, I have had a few people mention they were envious of my life. And by "my life," they confessed they were envious of what they perceived about "my life" because of my blog, or my books. A few days ago, a wonderful author named Rachel vulnerably shared about how she resented me (it's a very lovely and honest post).
When these conversations pop up, even as seldom as they do, they confuse me.
Why? Because my life is well - just life. It's nothing to be jealous of and find it interesting while people are wishing they may "be me" in some ways...
...I'm wishing I was someone else.
Don't get me wrong: I feel incredibly lucky that during this season I can write books for a modest living and travel a bit to share a little hope here and there. I have also eaten enough humble pie to know this has little to do with me, if anything at all. As much as writing and speaking is not a "normal job" it's still work. It's still frustrating. There are things I hate about my work sometimes. It's easy to get lonely and lazy. Questions of "am I good enough?" or "am I as good as..." or even "am I better than..." cycle in my mind day in and day out.
And truth be told, envy plays a large part in that cycle.
I see other bloggers and authors and speakers who seem to float from one puffy white cloud of God's blessed goodness to another, whose marriages are picture perfect and friendships are solid and complete. They never seem to fight loneliness, or writers block, or carbs, or bad hair days. They don't say "um" forty-seven times in a thirty minute talk and their words flow seamlessly from one noun to one verb. They are never "too passionate" and write thoughtfully instead of from a place of raw, immature emotion. They're wise. Stable. And go to great parties or dinners and tweet about it and it seems like everyone else is there but, well, me. They'll get credit for something and I won't. They'll get more money than I'll get. Someone will review or endorse their book that won't return my emails.
And I get envious. (Obviously. And very whiny, too).
It's scary to admit that perhaps I've even allowed myself to become so envious that my heart is becoming bitter. I've forgotten to celebrate the good things others do and to mourn (and not silently rejoice) their falls.
(Please tell me I'm not the only one who does this little mental happy dance when someone perfect makes a mistake...)
Envy eats away at my heart, slowly, and quietly, and daily.
And is it tragically ironic that I hate it when people perceive me in certain ways, and yet I do the exact same thing and place those exact same perceptions on others?
Comparison. Perception. Assumption. Envy.
This life thing can be messy and ugly sometimes.
I'm so glad there's grace. Aren't you?