Easing Your Way Into Homeownership: A Guide To Low Down Payment Mortgage Programs
Theres no question about it: Buying a first home is a big financial commitment. In most cases, a home is the largest single purchase an individual or family will make in a lifetime. However, because of the tax advantages afforded to homeowners, buying a home also can be one of the best financial ... more...

Partner Up
Once upon a time, large multi - generational families accumulated property and capital so that all family members enjoyed both economic and social security. Though there is much political talk about family values, large families working for the common good are a thing of the past and perhaps a ... more...

Rookies To Watch In The NFL
Like so many millions of young sports-crazed boys, in my formative years I was a baseball card fanatic. But one thing that I never understood about baseball cards is why rookie cards were always worth more money than any other cards. I bring this up, because I'm equally confused when it comes to ... more...

Quality Recovery and Rework - When It All Goes Wrong
When Quality is the Target, but not the Result, what do you do?While Quality may be the overarching goal of all production, stuff happens, resulting in non-conforming parts. This results in failure verification, rework, recalls, sorting, kitting, retest, relabeling and pipeline management, which ... more...

Exile on Main Street - Honoring Women in the Time of Alone
So many of us are dealing with the time of alone, coping with the mystery of what happened to the dreams we visualized as children and young women. Now, more than ever, we are living our lives without partners, romance, financial support, sexual satisfaction, human touch, and the gaze of love that ... more...

How I Bought Exactly the Car I Wanted Using Just the Phone and the Internet
In 2002, the lease was up on my current car, so I decided it was time to get a new one. Like most people, I generally dont like going to a car dealership to buy a car. At the beginning of my career, I worked for 6 months as a car sales person so I knew exactly what would happen if I went to the ... more...

Travel to Find a Russian Bride
Do you agree that the best lessons are lessons given to you by other people who have already made some mistakes so that you wouldnt repeat them? We are going to have a detailed observation of a certain mans trip. When coming to Russia he managed to make a lot of mistakes and he can hardly calm down ... more...

Why Laughter Is Good For You
How Laughter Can Reduce Stress and Improve Your HealthA merry heart doeth good like a medicine; but a broken spirit drieth the bones. -Proverbs 17:22Feeling stressed out, angry or sad? Dread going to work?Try this: Open your mouth as wide as you can, bug out your eyes, stick out your tongue, bring ... more...

Designing An Effective Filing System
I see it over and over again with my organizing clients -- theyve tried to set up a filing system at home or work. And for a few days, weeks, or maybe even months, it works okay. But then something happens, and they stop filing. Its too hard to remember where things go. Or they cant find their ... more...