Saving Money Tips – Set an Entertainment Allowance

Don’t we all just love to be entertained? There is nothing nicer than looking forward to going to the opera or attending a musical performance. We live in exciting times, as there are so many functions for us to participate in, that it can be difficult choosing what to attend and it can certainly be hard containing our spending habits.A lot of entertainment can be quite expensive and most times we don’t realise how much a night out actually costs us. You not only have the cost of the event, but usually these sort of social outings cost us money in other ways such as taxis, drinks, clothes etc.The best way to control the money that you do spend on entertainment is to set yourself a quarterly / yearly entertainment allowance. Below are some clues to help you do this.1. Work out what you would like to do over the next quarter / year:
Visit galleries / exhibitions  
Attend concerts / musical performances  
Watch opera / ballet / dance  
Attend pantomimes / theatre / shows / plays / musicals  
Attend film festivals  
Participate in balls / charity events  
Go to circus shows / live performances / comedy shows  
2. Estimate how much the tickets / entrance fares are going to cost you.3. Spend time working out the ‘hidden extras’ so you know the full cost of the function / event. There are often costs to consider such as:
 Buying / hiring attire – formal / semi-formal outfits  
 Attending the hairdresser / make up artist  
 Paying for accommodation / flights  
 Hiring a car / paying for taxis / parking fees  
 Eating out / drinks  
4. Tally up the whole cost of your entertainment. Look at your budget and ensure your quarterly / yearly entertainment allowance will fit in with your overall budget. Remember entertainment is a “want” and not a “need”. You have other priorities and financial commitments in your budget to allow you to meet your “needs”. These must be met before deciding where else you “want” to spend your money.5. If your quarterly / yearly entertainment allowance is above what you have available in your budget, look for some alternatives:
Buy a cheaper class of ticket e.g. B reserve instead of A reserve
Go to a matinee showing instead of a night showing
Find an outfit in your existing wardrobe instead of buying / hiring an outfit
Get a friend / family member to do your hair / make up
Eat before going out
Drink water / juice / soft drinks instead of alcohol
Attend events locally to save on airfares / accommodation / car hire
Drive to avoid taxi fares
Cut the number of events you expect to attend
Find a cheaper option e.g. go to a local theatre to see a show, rather than a big performance centre
6. Find a way of monitoring what you do spend over the quarter / year. Use a software programme to record all of your costs for entertainment throughout the quarter / year. The programme should record how much you have spent and how much you still have left to spend. This will ensure you stay within your proposed budget.Entertainment need to be looked upon as a treat. We have mentioned earlier that entertainment is a “want” and not a “need”. The functions and events you attend should be looked upon as special times in your life that you can really look forward to. If you don’t consider them as a specialty / treat, then attending such events will become the normal. You will think of these activities as “must haves” instead of “nice to haves”. You will expect to go to them on a regular basis and you will find you spend lots and lots of money satisfying your wishes.Your money can only go so far. I am sure there are a lot of important things in your life that you are trying to achieve. This might be something on your wish list to buy, a holiday you want to go on, someone you wish to help financially etc. So, see if you can make a bit of a sacrifice with what you spend on your entertainment and start limiting what you spend over a quarter / year. You don’t need to cut entertainment out completely. You still need to have fun and look forward to special times, but ensure you do so whilst giving yourself an opportunity to meet your other goals and wishes.

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Advantage of Term Life Insurance Over Other Types of Insuring

Whether you are contemplating on buying a whole life insurance or a term life insurance for your family protection, it can be complicated. Most life insurance companies offer the same types and forms of insuring yourself. But be aware that the coverage on these policies is not the same and you need to read the policy contract. You may also need to decide on what suits your needs. But if you are looking for a temporary life insurance for your short range goal, term life has the advantage.The advantage of term life is it provides you with the coverage for specified period of time or for a limited time. After that period the insured can renew the policy or simply drop the policy. Renewing your policy may increase your premiums to continue the coverage. If the person insured in this case dies during the determined time of coverage, the death benefit would be paid out to the beneficiary. But if the insured dies the following day after the term expires, the insurer will not pay anything.The best thing about term life is this is the most inexpensive way to insure you. In fact the premiums could less by as much as 10 times cheaper than a universal life or a whole life. Thus most people who are just starting out or still young and only need the coverage for themselves chooses type of insurance. The reason it is more inexpensive than the other types of insuring is because of the cash savings or the investment component. These features are not seen on term insurance.Proponents or people who decide to buy term insurance argue that the savings or the investment feature does not have good return on investment. To some people if you are making a measly 4 to 5 percent on the investment portion, then it is better that you do it yourself. Meaning go and invest it yourself in mutual funds or other vehicles of investing. The main reason you are purchasing this policy is for the protection and security of your family anyways should you pass away.Insuring you with term functions similarly with the other types of insurance in that it always pays out to the beneficiary any claims against it. Provided the insured is up to date with their premiums and the term or contract has not expired. For instance, an auto insurer will pay out to the insured in the event of an accident, similarly in the case of a house fire the insurer will pay the homeowner. So with term it is a pure and simple risk protection in case happens to you. Then your family will have something to carry on financially.So if you are buying term life insurance, you will have the security and protection in the event that you die, provided it is within the specified period of time. It is more inexpensive compared to the other types or forms of getting insured. Most if not all life insurance companies offer this type of life insurance so it is not difficult to find one.

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When Special Education Fails

The designating categories of special education have been carefully conceptualized by educators and are conscientiously considered in the cases of students who appear to have a barrier or barriers to learning. Most cases referred to school psychologists are straightforward and well understood. The majority of students referred and evaluated clearly meet criteria for one of the designating categories and is appropriately served as a result of the designation specified. Time and time again we have seen that when the student, designation, and assigned services match, the services received by the students lead to their progress.However, there is a growing number of students in every school district each year for whom we cannot seem to find an accurate match. These students continue to baffle educational professionals, despite their best efforts to understand and intervene. These are often the students who arrive to school, no matter how young, with a significant history already in the making. Some have been asked to leave their daycare or pre-schools. Some have been given disciplinary transfers from one school to another. Others come to school with long, often conflicting psychological and/or medical reports from outside agencies and hospitals with various diagnoses and recommendations, some tried, some abandoned, or are students quickly acquiring such reports. Numerous traditional forms of intervention were tried with little success. School psychologists review, observe, and consider what the situation may be with these students but cannot seem to put their finger on the specific challenges and needs of the students – on what the actual barrier to their successful education is. Designing and implementing effective interventions becomes futile because the problem is not clearly understood.When the problem is not clearly understood, we miss not only the opportunity to intervene within general education in an effective way but also the opportunity to use the designating categories of special education in a more accurate and comprehensive way. Some designating categories are broader and more encompassing than their current use implies, Other Health Impairment and Traumatic Brain Injury, specifically. They are underused as a result. A number of the more baffling students assessed would be better understood as having health impairments or brain injuries because of their significant medical histories or traumatic experiences. Educators have not yet considered these designations for many of the students who need them, most likely due to limited knowledge of current brain and nervous system research. The findings of the last decade – “the decade of the brain” – are critical to the work we do. Such findings point to the importance of considering pre- and peri-natal development, trauma, and stress, in both the student and the student’s caregivers when we assess for potential barriers to learning.Rather than simply identifying the problem and developing solutions for the problem as defined, we need to understand the source of the problem. That is what we do when we consider pre- and peri-natal development, trauma and stress. Understanding the source of learning and behavioral challenges is more important to best practice than ever before. In light of compelling research on the developing brain and its effect on the nervous system and self-regulatory capacities, we now know that without understanding the source of the problem, we do not understand its solution. Re-consideration of both the criteria for the designating categories, as well as the use of the categories, is implicated.Identifying barriers to learning is one of the most important things we do as educators. Within general education we have identified poor attendance, cultural and environmental conditions, second language issues, chronic illness, and economic disadvantages among others. Within special education we have assessed for developmental delays, physical disabilities, learning disabilities, emotional problems, and health impairments among others. There remains a group of students, however, whose inability to access their education with success is still not understood. There remains, in this twenty-first century, a misunderstood child.We first heard about the “misunderstood child” in the 1980′s when the book by the same name was originally published (Silver, 1984). The author helped us put a name to those students who were struggling with learning disabilities that at the time we did not know enough about. We rose to the challenges then of those students and learned to intervene with them in more effective ways. We learned at that time, just as we continue to learn today, that when we misunderstand children, we leave them behind.This is a new era. Twenty years after the publication of Misunderstood Child: Understanding and Coping with Your Child’s Learning Disabilities, we have new challenges to face in education. Post-9/11, in light of numerous school shootings, terrorist attacks, and natural disasters, and with media and internet access at an all-time high, our students experience exposure to local and global violence in frightening proportions. We would not only be naïve but also dangerously ignorant to think that this exposure is not having a significant impact on our students. In fact, we witness that impact in our classrooms and on our playgrounds every day. We hear more now than ever before about bullies, crises, and school violence. The growing focus of education on prevention and intervention in these areas is because we realize these problems are on the rise.As we face this new era, having committed to “no child left behind,” a reconsideration of our priorities and commitments in education is called for. We need to ask important questions. Have we identified, in either general or special education, all the possible barriers to learning and behaving in school with success? Are the designating categories as they are currently being used comprehensive enough to account for the barriers our students face? Why is there a growing number of students who do not fit into the categories as they are currently being used? Who are these students who do not fit? What are the barriers to their education? What do we need to start doing to assess them more accurately, identify them more comprehensively, and serve them more effectively?In an attempt to answer these questions, the groundbreaking book, Why Students Underachieve: What Educators and Parents Can Do about It, was written to review current research findings on the developing brain and nervous system – research that is completely relevant to education yet largely ignored. The findings of this research demonstrate that there is a direct and significant effect of experience on the brain and ultimately on learning and behavior. While the findings point to a single barrier that may underlie the struggles of both general and special education students, we must also acknowledge that our own limited awareness of these findings and their implications is also a barrier to the success of our students. We can only know how to help them when we know how their experiences have impacted their development. As the relationship between experience, the developing brain, and subsequent learning and behavior is made evident, it will become clear why no one needs this information more than educators.© Regalena Melrose, Ph.D. 2009

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