Play Some Card Games

Are you looking for a way to spend a rainy afternoon with friends? Or are you trying to plan some fun activities for your next big party? If so, the answer to your questions is simple: card games. It seems so obvious, but perhaps that is exactly the reason you forgot about it.

Card games are great for a lot of reasons. One of the best reasons that card games are great for almost any social gathering or party is because they allow people to be social and enjoy time together. There is nothing worse than planning a party for friends that includes nothing other than watching movies. Who wants to gather at a social event and then do a totally non-social activity? Card games are great because they offer more focus and entertainment than simply allowing people to mingle and yet they maintain the social atmosphere. People can share in great conversations while spending hours playing card games.

Another great reason to include card games at your next event is because they are fun. I cannot think of many people that do not enjoy good card games. Card games are tried and true fun for almost everyone. It can be hard to keep people entertained with the variety of new games that are on the market simply because people do not know how to play them. It can be easier and just as much fun to entertain people with card games that they are familiar with. Something about a great hand of rummy or euchre never gets old.

If you have invited people to your party that are not familiar with the classic card games, don’t worry because it is easy and fun to teach card games to people. That is another great benefit of card games. You will not have to waste half of your time teaching the card games. Most people pick them up easily. So allow yourself to invite people who are masters at your favorite card games and who are novices at the games. Everyone can be having fun together in no time.

Card games are great because there is such a variety to choose from. Don’t like euchre? Don’t worry, you can try poker or rummy instead. Card games provide literally endless hours of fun. If your guests have been playing poker for hours, change it up and teach them canasta or bid euchre instead. There are enough good card games to keep any party nothing but fun. Look no further than card games to make your next party or social gathering the one people will not want to miss.

Creating A Personal Finance Spreadsheet

One of the biggest challenges we face as adults is balancing a budget. Creating a personal finance spreadsheet can be one of

the most valuable steps you can take to tackling this challenge head on. Even if you start with a simple format and a few details you can be well on your way to financial organization which can lead to financial security in the long run.

There are different methods for creating a personal finance spreadsheet and the decision on which to choose depends greatly

on your personality in general. Many people like to keep record in a computer program like Excel. This is a wonderful way to

stay organized while making a sound personal financial spreadsheet that is professional grade quality.

The Excel program is great because it allows you to work from a clean template. You have control of the input and you can

cater your personal financial spreadsheet to your needs. Many of us have no idea how to use this program but it really takes

just a few minutes to master and the results are great.

You can also use a program like Quicken to create a personal finance spreadsheet. This kind of program comes highly

recommended for any individual who is serious about keeping track of all of his incoming and outgoing funds. The personal

finance spreadsheet that you can produce from a program like Quicken will put your accountant to shame.

Many of us love the idea of keeping strict records of our spending habits and we really like the idea of a sound budget.

However, we don’t like to work on the computer any more than we have to. If you spend all day at work at the monitor the last

thing you want to do is go home and work on a personal finance spreadsheet on your personal computer.

There are those of us who are just not likely to keep things up to date when using this kind of personal finance spreadsheet. These individuals may embrace more traditional, hands on approach to keeping a budget record up to date. There are many items available at office supply stores to meet the traditional needs as well.

One thing to remember when it comes to your personal finance spreadsheet; if you are in a partnership or a marriage it is

crucial to keep the lines of communication open. No personal finance spreadsheet will help you become clairvoyant. Good

Understanding Your Current Personal Finance Situation

It is important: understanding your current personal finance situation is something that every person needs to do. By understanding what is going on with your personal finances you will be able to better control them. This can be one of the best ways to avoid money problems and debt.

Getting started is the hardest part. It can seem almost impossible to figure out where to begin when tackling finance issues. The best place to start is to simply look at expenses and income.

As the staples of a good budget, something every person should have, expenses and income are the main financial issues a person needs to understand. To begin you should gather all the relevant information. You may want to get bills, pay stubs and anything else that could help you list out your expenses and income.

The first thing to do is to track your daily expenses. This includes eating out, shopping and gasoline. You want to include these on your expenses list. You may need to gather receipts or actually keep a log for a week to be able to come up with an accurate account of your daily expenses.

Write out a list of expenses and then write out your list of income. At this point you should concern yourself with ensuring everything is listed. If your expenses or income vary then try to get a good average. You should have expenses separated into daily expenses and monthly expenses so you can see where your money is really going. Plus this will help when you go to budget your money.

Now you can begin to look at your debt. You should make out a list of your creditors. Your list should include the creditors contact information, the balance of your debt and the interest rate.

Now you should look at your personal finance accounts. This includes things like checking, savings and stocks. You want to list them all, including their current value or balance.

After going through your expenses, income, debt and personal finance accounts you should have a fairly good idea of where your personal finance matters stand. This should be a great platform for you to build upon to get your personal finances in good order. From this information you should be able to create a budget, get debt under control and best manage your personal finance accounts. You should be able to get the big picture about your personal finance situation and to understand it completely.

Monterey Financial Services Rip Off Can Be Avoided In 3 Steps

When it comes to the most difficult decisions in life, you can be sure that the financial matters are involved. In order to be sure that you can make the right choice you need worthy and dependable Monterey financial services to help you. While you are trying to use these services to come out of a problem you also need to be sure that the Monterey financial services rip off can be avoided so that you do not fall into further trouble. There are obvious steps that you can take in order to ensure that the rip off can be avoided, you can use the following 3 steps to make sure that you have a reasonably good vendor to help you.

The first step is ensuring that you search for the right vendor. You can search directories or newspapers or even online in order to find Monterey financial services. It is seen that most companies that have a higher ranking in most of these are mostly dependable. Since financial services are very subjective and complicated there will always be some small negativity about any company but that is fine as long as you are getting a good deal. There are a lot of resources that you can get in case you want to find a good company and be sure that you are not subjected to Monterey financial services rip off.

Secondly, you have to look at the range of financial services that the company offers. In case there is a host of different services that the company offers, Monterey financial services rip off can be avoided. Since the company has a wide range of services, their exposure to the markets and customers will be higher which means that the chances that they will maintain their image and avoid mishaps will be higher. This will but you on the safer side as well.

Finally, you have to be careful while you get involved in the paperwork. In most financial services, paper work is of most importance as it can be confusing and complicated. Most companies don’t mind playing around with words and therefore you must be alert and careful before you sign any piece of paper. With the above 3 steps you can be sure that Monterey financial services rip off can be avoided.

Teenage Gambling Addiction Education Needed At Local Schools

For the past few years teenage gambling has been increasing at an exponential rate. The increase in gambling can be contributed to family members who gamble, multiple television programs like poker tournaments and skillful advertising from the gambling establishments. It’s becoming an epidemic among our teenagers with no real solution being presented to the educators of our schools systems.

The new stream of commercials related to stop gambling has had very little affect. The commercials are geared towards helping people stop gambling but are not geared towards the individuals who have not experienced gambling at this point in time. The stop gambling commercials have not been able to reach the teenager with a compulsive gambling addiction. They however may reach the parents who may realize their child has a problem.

The only way to help our youth is to educate them in the classroom and at home. I remember years ago in health class they educated us on smoking and drinking. This was very effective on those individuals who never started. But the ones that were already addicted the educational programs were unable to reach them.

There following educational curriculums are needed for today’s students:

a)Helpful Resources for identifying teenagers who may have a compulsive gambling addiction.

b)Helping Teenagers identify their compulsive gambling addiction

c)Educating teenagers on compulsive gambling addiction. This one is my favorite because this has the best opportunity to prevent a teenager from gambling, helping teenagers identify the signs of compulsive gambling addiction and if the teenager has a problem with gambling.

d)Giving Teenagers the tools to identify others who may have a gambling addiction like their parents. This one has to be handled sensitively. I have received numerous emails from teenagers who did not know where to go, who to talk to in order to help a family member.

e)Educating Teenagers on the resources available to get help by giving them the local stop gambling telephone numbers and helpful stop gambling websites.

f)Understanding Compulsive Gambling Addiction

g)Practical exercises for teenagers with addictions to learn about self esteem, trust and more.

The above educational curriculums are needed to help educate the teenage population.

As each year passes the amount of teenager’s addicted to gambling increases. This increase is due to the increased exposure. This exposure is due to the increase in the number of cable and television gambling programs, advetising by local gambling establishements, retailers jumping on poker craze selling poker chips, the increase in the number of state lotto drawings per day and the state advertising for their scratch off tickets.

How To Find Top Financial Services

Finding top financial services may sometimes feel like a daunting task. When it comes to your money, you want to be sure that you’re working with a company or an individual that you trust. There’s nothing worse than realizing that you’ve been placing your money in the wrong hands. Since there are many different types of financial services, there are many ways to find the top financial services. Before you start looking, you should educate yourself on the area of financial services that you are looking for. If you can figure out what you should be looking for it will be easier to find it. Self education is the best step that you can take in your own financial management.One of the most important types of financial services that most people will use is their bank or credit union. Since a bank or credit union will provide a wide variety of services, from checking and savings accounts to loans, it makes sense to take some time to choose the right institution for your needs. A lot of people choose their bank based on their commercials or a small piece of the puzzle, like free checking.For an accurate review of the aspects of a particular bank, you can search online for reviews. People aren’t afraid to share their opinions on a bank that has mismanaged their money. These days, thanks to the internet, you can see how a bank really treats its customers and make an informed decision.A good resource for evaluating your financial services options is Bankrate.com. This website has detailed information on the interest rates of checking and savings accounts from a variety of different banks. It’s also a good place to find out about mortgage loans, auto loans, CDs, investments and credit cards. You can use this resource to thoroughly investigate your options before making a decision. It will make it easy to find the top financial services.Besides banks, loans and investments, there are many other types of financial services. If you are going to be investing in the stock market, you’ll need a broker. If you want an expert to do your taxes, you’ll need an accountant. Some people even opt to talk with a financial advisor to help them with a wide variety of financial needs.These types of professionals can be found in your local community or online. Since they work directly with you and your money, you’ll want to take some time to find the right option for you. The best way to start finding these types of financial service professionals is to ask for referrals. Talk to your friends an family about what you are looking for. Many of them may use the type of financial professional that you are looking for.In addition to referrals, you can also use the Better Business Bureau’s website to find reputable professionals in your area. If a company or individual professional has complaints against them, the BBB’s website will let you know. The site is located at www.bbb.org. It is a fast and easy way to find top financial services in your area.

Getting Over Someone

Basic question here: how can I tell when I’m over someone and ready to be with someone else?

- C.G., Boston, MA

That is a basic question, but not a simple one. I’m not sure I can even answer it.

Sometimes hearing someone else’s experiences put things in perspective. Here is a situation concerning a person I dated, how I personally view it, and how I make it work for me. Maybe this example will help clear things up a little bit for you too.

In my life, I’ve seen a lot of relationships and been envious of very few. I see a lot of phoniness, relationships of convenience, and people together for all the wrong reasons.

But I knew that my relationship with her was something incredibly, incredibly special. I’d never felt anything like that; it was something totally different than all the rest I’d ever been in. It was comparing apples to oranges, as the saying goes.

In every way, I found her to be the most beautiful thing that I’d ever seen. We showed each other our best and our worst and remained together because we believed in each other as individuals and believed in us as a couple.

It’s interesting to think of all the things we are taught and all we are not. People are taught a million things growing up: how to read, how to use a stove without burning their hands, how to fold a towel, how to drive, and so on.

But we’re never taught some of the things that are imperative in relationships; we’re somehow expected to learn them as we go and by trial and error. I, like many others, never learned how to trust someone to give them all of my feelings, so I’d always held something back, which isn’t fair.

I also never learned how to forgive someone that I loved when they hurt me. And I certainly never learned what to do when you find someone who is perfect for you. It sounds like such a great thing, but it can be one of the most overwhelming feelings you ever experience because you want it to work out more than you want anything else in your life.

And sometimes, by the time you start to realize these things, it’s too late to make everything right.

Making her cry was the worst thing I’ve ever done and just thinking about it hurts me more than anything I’ve ever lost, never achieved, failed at, or I could really explain here.

And now she’s gone. We had talked about “forever” but this isn’t the kind of “forever” I thought we meant.

Who we were at the time we made our memories, we’ll always be – that man will always love that woman and that woman will always love him just as much. I still miss so many things about her, namely counting on – and believing in – us.

I still think about her every day and wonder, wonder, and wonder. I made her an enormous part of my life and now that she’s gone, that life as I knew it is too.

The pain is normal. But don’t think that because you feel pain you can’t move on. What happened between the two of you obviously affected you, so the hurting is expected. Truthfully, and unfortunately, it may be felt for a long, long time.

If you think about it, you probably still don’t feel great about the moment you found out you didn’t get that job you really wanted or a pet that died when you were a kid. You may never feel perfectly fine about this situation either.

What I realized, and what you must too, is that you have to move on. They have. They have their own life going, and whether it’s them being alone or them being with someone else – it’s still them being without you.

There is no other option; you can’t stay closed off and emotionally unavailable forever in hopes they will change their mind about you or that it will work out somehow. Knowing when to let go and move forward it is the hard part.

You don’t want to do it when you’re emotionally unavailable, angry at life, or will be anything but the best person you can be to whomever it is you end up with next. I don’t know if you’re there. Maybe you don’t even know if you’re there.

Pronunciation: Get Better In Another Language

Pronunciation can affect how we communicate. Many people, who have had a go at learning a foreign language, have experienced that sinking feeling when they try a well-constructed sentence in another language only to be met with a blank face.

Why is this?

Languages are built on sounds. If I speak English and live in an English-speaking country I expect a speaker to say sounds in a particular way. In French or Spanish I would expect to hear different sounds. When we can’t recognise the sound we try and adjust how we are listening, a bit like tuning a radio, but if we can’t guess the sound, the chances are we won’t understand what is being said.

The Blocks of Pronunciation

Pronunciation has two main aspects to it, physically producing it and the sound that is produced from it, the hearing of the sound. As we get older the ability to do both of these, i.e. physically work out how to make the sound and recognise it, can diminish. This doesn’t mean we can’t continue to learn new languages but we need some extra tricks to help us.

Let’s look at some ideas on what we can do when we learn a new language.

How am I saying it?

Try saying the letters. Notice how your mouth is working. If you don’t know how a sound is physically made you may find it harder to say it.

What sounds are the same?

English has many more sounds than other languages but it also has a lot of sounds in common with other languages. Good dictionaries in a new language will usually offer an English sound or word to compare with. Use it to check what sounds are similar.

Which sounds are hard to say?

Go through the alphabet of the new language and mark out the ones you find hard to say. Give them some attention. Try and physically make the sound and see how your mouth works. Say the alphabet. Look at how children use the alphabet song in English to help them remember the alphabet, doing the same in a new language will also help memorise the letters and sounds.

Read out loud.

Find some reading form your course book or any other book. There are two advantages here. One you get to say the letters and words. Secondly you get to practise sounds that you expect to hear and you become accustomed to the sounds of the language.

How good do I need to be?

There is much discussion on this. For many of us the ability to get by in other languages is good enough. If we can say what we want, simply, slowly and the person we are speaking to, can understand us, then our pronunciation is probably good enough. After that it is a matter of choice. Some people become very good at other languages and get to very good levels of pronunciation. Not many of us are such gifted linguists but there’s no reason why we can’t make the words so that people can understand us.

I Have A Problem Gambling And I Have Lost Everything

To often compulsive gamblers utter the words I am have a problem gambling and now I lost everything. At this point in their life they are finally ready to admit they have a problem gambling. These same people are increasing at an alarming rate.

Only a year ago things seem to be less dramatic then they are right now when it comes to gambling addiction. The accelerated growth in this addiction is paralleled to the growth in the gaming industry. Since a significant number of our population have now been exposed to this gaming industry the negative affects are more apparent. Each and every day we hear a new story about someone who has lost everything due to their gambling addiction and we may now know someone who also has been negatively affected.

Now that we know people are addicted to gambling, what should we do? This is a very difficult question to answer but I believe education and awareness can help those inflicted with this self destructive addiction. Unfortunately gambling addiction also affects all those around the compulsive gambler.

I have received several emails from people who believe their solutions would help decrease the accelerated growth of those addicted to gambling. The following are examples of those emails:

We should outlaw all forms of gambling.

The gamming industry needed rules and regulations that they must adhere to like the alcohol industry.

At the very least remove all ATM machines from gambling establishments especially casinos that have slot machines.

No Check cashing allowed at any gaming establishments

No alcohol should be allowed in casinos

Gambling establishments should not be allowed to use the postal service to send incentives for people to come to their place to gamble. Most people are easy prey. The gambling establishments send a fifty dollar gift certificate knowing the gambler is going to spend a at least ten times that amount.

No large billboard advertising. This industry makes their money by drawing on the innocent only to hook them and take everything they have worked so hard for.

No commercial advertising, donating to charities or sponsoring of the local news.

The above email comments are from those who have suffered directly to the the gaming industry. Remember it is not only the gambler but their family and friends who also have been negatively affected. They are biased and they have a right to be.

Remember these words I have a problem gambling and I have lost everything. because this could be you or your family member. If you even have the slightest notion you have a problem gambling, face it straight on and take the appropriate action. You can recover before you lose everything you have worked so hard for.

If you are have lost everything, you can rebuild your life and move forward. There are so many people who have walked in your shoes. I know this can be very painful, but with each day that passes as you begin your road to recovery you life will get brighter and brighter.

Get Control Of Your Personal Finance With A Budget

It is fairly common knowledge that money matters can be simplified and controlled with a budget. One of the keys to personal finance management is creating and using a household budget. It is not a really hard task, but one that many people avoid. The reason is that it can often be hard to avoid overspending and having a budget really puts spending problems out there.

A budget is basically a list of expenses and income. It should include all expenses, even the seemingly little expenses like a morning coffee purchase. The budget can be made out weekly or monthly, whatever way is best for the household. For someone who gets paid once a week, a weekly budget may be best. For someone who gets paid once a month, a monthly budget would work nicely. Although, it is really a matter of personal choice as to how the budget is made out.

The income section of a budget is usually fairly simple. Most people can easily track their income. Some people choose to list their income after taxes, while others list the income before taxes and include taxes as a expense. That is strictly a matter of choice.

The expenses section is where most people have trouble. It can be hard to see our spending habits in black and white. It is really important, though, to be honest and list everything. You may find it is helpful to keep a spending log for a week. Your spending log is where you will write down every purchase you make. This can be a good way of tracking all the little expenses you incur throughout a week.

Your expenses section of your budget should also include utilities and housing expenses. If you have a car payment, include here as well. You need to include money spent on gasoline, bathroom items, food and any other thing you spend money on. You do not have to include large, one time purchases, though, as they are not a routine part of your expenses.

Once you have your income and expenses listed you need to add each up. The total of your expenses should not exceed the total of your income. If it does then you need to cut back on your expenses. You may have to stop some spending or try to find creative ways of reducing your spending.

The whole idea of a budget is to ensure that you are not spending more then you are earning. Your budget is a blueprint for how you should be spending your money. Once you have your budget made out and it is balanced you need to stick to it. Only spend as much as you have allotted in your expenses and you should find your personal finance situation becomes much easier to deal with.