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Category :: Family Articles Author :: dan the roommate man 
 
 Article Title :: MOVING INTO YOUR FIRST APARTMENT-KNOW ALL THE COSTS
 
When you move in to a new apartment, the landlord may charge you more than the first month's rent. Before you sign the lease, make sure you understand exactly what you're going to be charged, and get it in writing. Security Deposit: This is mini-landlord insurance. The deposit is equivalent to about one to two month's rent and can cover anything from a broken window to stained carpet. At the end of your lease, the landlord will conduct an inspection and see whether or not he or she needs to use any of the money on anything damaged beyond the normal “wear and tear” during your stay. State law may only use the security deposit for three purposes: unpaid rent, damages and for cleaning sta  (read full article)
 
 
Category :: Family Articles Author :: Bonnie P. Carrier 
 
 Article Title :: Winter - It's Not Over Yet
 
While reading the news on the Internet this morning I came across an article on that furry little groundhog, better know as Punxsutawney Phil. As happens every year at this time, the little fur-ball emerged from his burrow, as he’s done since 1886 - wow, he must be really old by now – to give us the updated winter forecast. Yes sports fans it’s official, good old Phil saw his shadow, which means six more weeks of winter. Now your reaction to this news will vary depending on what part of the country you live in. Here in the Northeast, many of us – this author included – do not jump for joy. If you happen to be one of the winter sports people you know the ones who ski, ice skat  (read full article)
 
 
Category :: Family Articles Author :: Carol M. Welsh 
 
 Article Title :: Born With Instructions
 
We finally seem to get parenting techniques that work with the first child only to find out that they don’t work with the next child. Why can kids be born with instructions? Good news! When you understand your children’s perceptual styles, you’ll discover that they are born with an “instruction manual.” Each of us is a unique combination of the Four Perceptions: Audio, Feeler, Visual, and Wholistic. When children are born, they are 100% Feelers. Although they will continue to have sensitive feelings during their formative years, their primary Perception will begin to reveal itself when they’re about six months old. The following true story reveals how differently it unfolds base  (read full article)
 
 
Category :: Family Articles Author :: Cecile Peterkin 
 
 Article Title :: Goal Setting for Kids
 
Goal setting is essential for building a successful life. However, teaching kids how to set and achieve goals is not part of most school curriculums, nor is it taught in most homes. Many parents never learned the techniques of goal setting, and are still struggling with their own. You don't need to know it all. While you develop your own goal-setting skills, you can also be helping and encouraging your children to develop theirs. Goal setting is a life-long skill. It helps your child to focus their unique gifts and talents, it helps to cultivate and strengthening your child's self-worth, and equips them to lead a life full of meaning purpose, and direction, regardless of the professional or  (read full article)
 
 
Category :: Family Articles Author :: Candee Stark 
 
 Article Title :: Daisies ~ A story about life
 
"I love daisies too," she told him several nights after they first met. She wasn't sure why she blurted it out but it seemed the normal thing to say considering the conversation they were having. They were talking about "favorite things" the way you do when you are trying to get to know someone. Small talk that keeps the conversation flowing: "My favorite color is green, 18 is my lucky number, and my favorite food is pizza." When she jokingly asked if he had a favorite flower he replied, "Nope, but my mom loves daisies." She brightened up immediately because daisies have long been one of her favorites and she was impressed that he knew what type of flower his mother liked the best. Th  (read full article)
 
 
Category :: Family Articles Author :: Jessika Ryder 
 
 Article Title :: Five essential baby shower gifts
 
Ask first time parents-to-be what baby shower gifts they would like to receive. Watch their response -- you’ll quite likely see a look of real confusion on their faces! Or maybe they’ll come up with a stock answer like “diapers” or something similar. Exactly what a new arrival needs is not obvious to someone who’s never had a baby before. And many times, guests are in no better position either, when it comes to deciding on baby shower gifts. Of course, there’s a lot more to baby showers than just gifts. But helping parents to stock up for the new arrival is an important part of these celebrations. That’s why the following list of top five baby shower gifts can be quite us  (read full article)
 
 
Category :: Family Articles Author :: dan the roommate man 
 
 Article Title :: What to do if your apartment application is rejected
 
If your rental application was rejected due to a black mark on your credit report, don't just ignore the situation out of embarrassment... get a copy of the report and see what you can do to tackle the problem. You may find your credit report has errors or marks you didn't even know about. Three companies distribute your credit information: Experian: 1-888-397-3742 Equifax: 1-800-685-1111 TransUnion: 1-800-916-8800 You can call any of their toll free numbers to find out how to get a copy of your credit report. If you request a copy within 60 days of the rejected application, you can obtain the report with no charge. If you wait any longer the charge is usually about eight dollars per re  (read full article)
 
 
Category :: Family Articles Author :: Jeffrey Broobin 
 
 Article Title :: Let's Talk about Probate
 
Below is a discussion of how to handle probate. First of all, what is probate? We’ve heard various things about probate and we are pretty sure that it deals with court matters that involve our property. We generally know that probate is something that happens after we die and it’s a negative experience because it is expensive and it takes a lot of time. True, the two main problems with probate are that it can take up to a year to accomplish its own goals (not ours) and it is an expensive purchase of attorney advice and court costs when it may not be necessary at all. In fact, it usually serves no real purpose except that the attorneys who defend it claim that it controls fraud in div  (read full article)
 
 
Category :: Family Articles Author :: Joyce C. Lock 
 
 Article Title :: What's the Point?
 
(Our Rebellious Teens) Great Grandparent's Point - That's the way it was, back then. We did the best we knew how. Grandparent's Point - You had it so much better than we did. I wasn't even aloud to date, without my mother present. Parent's Point - We weren't aloud to go anywhere that didn't involve church and we gave you much more freedom than that. Adult Child's Point - You didn't allow me to hang out with teens and go cruising. I felt like I was caged. Yet, I give my children choices wherein they can earn trust and freedom. I'm the good parent and they still rebel. Teen's Point - Who cares about points? It makes no difference if you are the perfect parent. Adu  (read full article)
 
 
Category :: Family Articles Author :: Joyce C. Lock 
 
 Article Title :: Bless the Children
 
Previous generations where raised under the premise that children are to be seen and not heard. If they altered in teaching, the next generation was heard. But, their words weren't taken seriously; as adults always think they know more than children do. Following generations often have few to no guidelines, wherein children's behavior screams for someone to care enough to say, "No." Though, what if God did that to us? When we call out to Him, can you imagine God responding with, "I can't hear you"? When we cry, what if He mocked our words, "Cry my hands full. You're nothing but a big baby"? Or, we could be given blame for all that ails us, "All he does is wine", or even worse, "Come he  (read full article)
 
 
 
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