Global Digital Store – Ebooks and Softwares

Tag: Responsibility

Female Genital Mutilation Hurts Women and Economies

Female genital mutilation (FGM) exacts a crippling economic as well as human cost, according to World Health Organization (WHO).

“FGM is not only a catastrophic abuse of human rights that significantly harms the physical and mental health of millions of girls and women; it is also a drain on a country’s vital economic resources,” said Dr Ian Askew, Director of WHO’s Department of Sexual and Reproductive Health and Research. “More investment is urgently needed to stop FGM and end the suffering it inflicts.”

New modelling reveals that the total costs of treating the health impacts of FGM would amount to USD 1.4 billion globally per year, if all resulting medical needs were addressed. For individual countries, these costs would near 10% of their entire yearly expenditure on health on average; in some countries, this figure rises to as much as 30%.

The interactive modelling tool that generated these data was launched on the International Day of Zero Tolerance for Female Genital Mutilation.

Severe physical and mental health impacts for women and girls

Women and girls living with FGM face serious risks to their health and well-being. These include immediate consequences after being cut, such as infections, bleeding or psychological trauma, as well as chronic health conditions that can occur throughout life.

Women who have undergone the procedure are more likely to experience life-threatening complications during childbirth. They may face mental health disorders or suffer chronic infections. They may also have pain or problems when they menstruate, urinate or have sexual intercourse.

All of these conditions warrant much-needed medical attention and care.

“High healthcare costs for countries mount because of the tragic personal impacts on women and girls. Governments have a moral responsibility to help end this harmful practice,” says Dr Prosper Tumusiime, Acting Director for Universal Health Coverage and the Life Course in the African Regional Office of WHO. “FGM hurts girls, imposes lifelong health risks on the women they become, and strains the healthcare systems that need to treat them.”

Preventing FGM brings major benefits for women, girls, communities and economies

Using data from 27 high-prevalence countries, the Cost Calculator demonstrates clear economic benefits from ending FGM. If it were abandoned now, it shows that the associated savings in health costs would be more than 60% by 2050.

In contrast, if no action is taken, it is estimated that these costs will soar by 50% over the same time period, as populations grow and as more girls undergo the procedure.

Since 1997, great efforts have been made to end FGM, through work within communities, research, and changes in legislation and policy. 26 countries in Africa and the Middle East now explicitly legislate against FGM, as well as 33 other countries with migrant populations from FGM-practicing countries.

WHO is also working with countries to raise awareness of the harmful impacts of the practice among their health workers, and to engage them in prevention efforts.

“Many countries and communities are showing that abandoning female genital mutilation is possible,” states Dr Christina Pallitto, scientist at WHO. “If countries invest to end female genital mutilation, they can prevent their girls from undergoing this harmful practice and promote the health, rights and well-being of women and girls.”

Female genital mutilation is internationally recognized as a human rights violation. It has no medical benefits and causes only harm. WHO’s position is that FGM must never be carried out.

Further information

The FGM Cost Calculator will be available here, as of 00:30 CET 6 February 2020:
www.who.int/news-room/detail/06-02-2020-economic-cost-of-female-genital-mutilation

More on FGM

Notes for Editors

About FGM

FGM includes procedures that intentionally alter or cause injury to the female genital organs for non-medical reasons. More than 200 million girls and women alive today are estimated to have undergone the practice across 30 countries in Africa, the Middle East and Asia where FGM is concentrated.

FGM is mostly carried out on young girls between infancy and 15 years of age.

About the FGM Cost Calculator

The WHO FGM Cost Calculator shows the economic cost of treating the health complications caused by FGM across 27 high-prevalence countries. These costs were calculated using the WHO One Health tool and other available scientific evidence.

Users of the tool can calculate costs by country in a ‘business as usual’ scenario; a scenario of partial abandonment of FGM, and full abandonment of FGM over a 30-year period. In addition, the distribution of costs by different types of health complications is presented by country.

The tool does not consider other indirect costs that hit families and communities, or the socio-economic impacts of the practice, which would be significantly higher still.

The 27 countries modelled include Benin, Burkina Faso, Central African Republic, Còte d’Ivoire, Cameroon, Chad, Djibouti, Egypt, Eritrea, Ethiopia, Ghana, Guinea, Gambia, Guinea-Bissau, Iraq, Kenya, Mali, Mauritania, Niger, Nigeria, Soudan, Senegal, Sierra Leone, Somalia, Togo, United Republic of Tanzania, Yemen.

Read More
https://www.who.int/news-room/detail/06-02-2020-female-genital-mutilation-hurts-women-and-economies

Views: 0

February 27, 2020
Smart Bill Paying Tips for Online Families
[ad_1]

Back in the analog days before personal computers, the internet and smartphones, paying monthly bills was an event! Bills arrived in the mail and were collected in a specific location and saved for that special day each month when they were paid. The bills were reviewed to make sure all expected items had arrived and each check was written out with a corresponding entry added to the (paper) check register. It was a manual exercise requiring good organization, basic math skills and the concentration to ensure the accounting was properly logged. Mailing out the checks and tracking them in the register wasn’t the end of the process – it was imperative to scrutinize the monthly bank statement and balance the checkbook to ensure that there were no math errors, the checks hadn’t gotten lost in the mail, they were actually cashed by the creditor and correctly credited to the account. Because there was always a lag between the bills coming due and the bank statement arriving, sometimes it was difficult to avoid unpleasantness such as the power or telephone company threatening to turn off service due to a clerical error or post office delay.

Since that time, things have changed dramatically. First was the introduction of financial software that could help with monthly budgeting and bill-paying. Computerization increased organization and cut down math errors, making it easier to keep control of monthly obligations. Today’s consumer has a wealth of tools at their disposal to pay bills, track accounts and keep their personal finances organized. Instead of a shoebox full of paper and a checkbook, bills can be paid with a computer or smartphone connected to the internet. Payments made using either a checking account or credit card can be monitored almost in real-time. Even the role of the post office has diminished considerably because of changes in the bill-paying process. Many people utilize automatic bill payment options that are available directly from vendors such as the phone company or insurance company, as well as from many banks. Consumers may still have a checkbook in their possession, but most of the time it gathers dust on a shelf or in a drawer while bills are paid in a variety of other ways.

Automatic bill payments are the most convenient of all, with options to pay each vendor directly from a bank account or credit card. Auto-pay is great for convenience and flexibility, but the responsibility still falls to each consumer to ensure the process works as expected and to maintain control of their finances. What are some things to be aware of with auto-bill pay and what are some tips for keeping control of your budget while still taking advantage of the automation available?
- Choose the payment method that works for you: Many people find it more convenient to set up their auto-pay on a credit card instead of having the money deducted instantly from their checking accounts. That way, monthly bills appear together in 1 place, and there is less worry about cash flow during the month. And with credit card accounts accessible online, the balance can be monitored as needed. Many credit cards can offer consumer benefits such as frequent flyer miles, free merchandise and other perks. Using a credit card as the payment method is great for organization, but be careful!! Accruing charges on a credit card makes it easy to exceed your budget and get into trouble at the end of the month. Only use this method if you are prepared to pay off the balance on your credit card each month to avoid paying high finance charges on your fixed monthly expenses. If you’re on a very tight budget or have trouble limiting credit card spending, paying bills directly from your checking account is a better solution.
- Be prepared for changes: When using a credit card to pay most monthly bills, if your credit card is stolen or hacked, or when it expires and a new card is issued, be aware that any auto-payments you set up using that card will no longer process. Keep a list of accounts that use auto-pay, including which credit card is used as the payment method for each account. This way, you can quickly update them all when a new credit card is received. If you’re tempted to just check your most recent statement instead of keeping a list, remember – some bills come monthly, others are quarterly and still others are annual so they won’t all appear on your most recent statement. Keeping a list is most efficient way to easily update all applicable accounts.
- Stay involved in the process: Many banks help in the process and provide alerts when an expected bill arrives or does not arrive when scheduled – bill payment is a great feature of online banking and can help you stay on top of your obligations! Make time to review the bills each month to make sure there aren’t any unforeseen or erroneous charges; especially if you are on a tight budget and paying directly from your bank account. Unanticipated charges that are automatically deducted from your account can cause unexpected drops in your bank balance.
- Be smart when it comes to cash management: If possible, don’t set up auto-pay on bills that can vary greatly from month to month, such as credit card bills. And always avoid paying off the balance of one credit card by adding it to the balance of another.
- Keep your credit rating in good standing: Due dates for items such as credit cards, health insurance, mortgage and auto payments are typically due on the same day each month, making it easy to ensure that auto-pay bills arrive on time. However, the due date on some bills may vary. Be sure the payment date that you set up for each bill allows sufficient time for the creditor to process the payment in order to avoid late charges. Similarly, if using your bank’s bill-paying service, for some vendors there is a lag between the date paid and the date received – make sure you allow sufficient time to stave off late fees and avoid bad credit.
The most important concept to remember is that even though paying bills has become extremely convenient and paper cuts are much less common these days in the bill-paying process, you are still ultimately responsible for your finances, your bills and your credit rating. Monitor closely, take advantage of the online tools available from your bank and your creditors to help you keep track of your finances and remember to dust off that checkbook once in a while! Regardless of the method you choose for paying bills, it is highly recommended that you keep a current register of all checks and debits, making a deduction for each item immediately (as soon as you have issued or authorized an item for payment), including any associated fees. This will allow you to have an accurate, up-to-the-minute checking account balance from which to work. This will also help prevent incidences of insufficient funds and their associated fees. Accurate and timely account records never go out of style!

[ad_2]

Source by Ellen Debboli

Views: 0
February 10, 2020
Numerology’s Secret Strength – Your Habit Challenge

[ad_1]

Where do you turn in times of crisis? How do you find the inner strength to face problems which are beyond your normal strength? Numerology can tell you where your hidden strength lies, ready to come forth in the face of problems beyond your normal resources. This hidden strength is known as your Habit Challenge. This ability is also known as the Submerged Characteristic or Habit number. Normally it lays dormant, hidden in everyday life until you truly need it; Then it blossoms becoming a useful tool to be called on.

Finding your Habit Challenge

This is one of the simplest calculations in Numerology. You simple count the number of letters in your use name and then reduce the value with fadic addition. Your use name is what your friends call you, or how you introduce yourself. Note that since this can change through out your lifetime, your Habit Challenge will change as well. As an example, actress Angelina Jolie has a Habit Challenge value of (4) as shown below.

Angelina Jolie (Habit Challenge) = (8 + 5) = (13) = (4)

Habit Challenge (1) – Originality

People with this value respond to crisis by turning to their originality. They are best served by looking to themselves to find the answers they need, usually to the complete surprise of those around them.

Habit Challenge (2) – Collaborator

People with this value respond to crisis by teaming up with others. They are best served by being a good follower and trusting their partners to direct them in reaching their goal. If a need for diplomacy occurs, they are truly in their element and will bring good results.

Habit Challenge (3) – Creativity

People with this value respond to crisis by turning to their imagination. If there is an artistic solution to their problems, then they will solve them. These souls will also find an ability to put aside their fears and not take their problems seriously, letting them work with little pressure.

Habit Challenge (4) – Analysis

People with this value respond to crisis by turning to pure logic and their analytical skills. They will be able to turn off their emotions and work towards a practical and orthodox solution to their problems. They will never break down or lose their head until the crisis has passed.

Habit Challenge (5) – Flexible

People with this value respond to crisis by being flexible. They will accept change and take risk as necessary to reach their goals. If there is a New or unusual solution to the crisis, they will find it. These people will exhibit great versatility and quick thinking throughout the crisis.

Habit Challenge (6) – Responsible

People with this value respond to crisis by showing sympathy for others and taking on responsibility for the problem they face. These souls will work to shield their friends and family from the affects of the crisis and offer to sacrifice themselves to resolve the problem.

Habit Challenge (7) – Meditation

People with this value respond to crisis by using meditation or other techniques to seek knowledge from within themselves to resolve their problems. These souls will reject advice which they have not asked for, and instead look to their intuition for ways to solve their problems. They will always act with perfect timing while the crisis last.

Habit Challenge (8) – Ruthless

People with this value respond to crisis by being ruthless and efficient in their actions toward solving their problems. These souls are willing to set ambitious goals and work tirelessly until they are met. They will exhibit determination and infinite patience until the crisis has passed.

Habit Challenge (9) – Idealist

People with this value respond to crisis by being an idealist. They will be broad minded in their dealings with others, and generous with their time and resources while the crisis last. These souls will react dramatically with great flare towards those who oppose them until their problems are resolved.

[ad_2]

Source by Keith Abbott

Views: 0

February 8, 2020
Created To Bond – Changes That Heal Part II
[ad_1]

Failure To Develop Relationships

Emotional ties have a dramatic effect on our well-being. When one fails to develop relationships or bond with others, it can and often does affect their ability to stave off or recover from a variety of not only physical but also emotional ills. When they learn to attach to and trust others, they begin to develop not only emotionally, but also psychologically. Thus, their ability to bond with others… to become closely knit, often carryover into their home life.

When a child is distressed, he/she may show unusual signs such as increased pulse, increased or labored respiration, helplessness, and hopelessness and may easily become enraged. These signs are often seen when the biological parent remarries and the child tends to believe that he/she must compete with the step-parent for the biological parent’s attention.

When the adoptive or step-parent enters the situation with food, physical contact, compassion and other help, the child learns her parents can meet her needs. The child is then more active and able to respond to stimulation such as playing. When the child is content, she is able to sleep and feel comfortable in her surroundings.

According to Deborah Gray, author of Attaching in Adoption, “attachment is a relationship formed primarily with members of the family and requires more time and interaction to be created. Attachment is what most adoptive parents are referring to when they talk about bonding with their child. Adopted children of all ages may have an attachment to their birth family, even if the relationship was neglectful or abusive. Many adoption experts agree that if a child can form an attachment to birth and foster parents, she will have the skills to attach to her adoptive family as well.”

Signs of Secure Attachment

The parental attachment process can often take weeks or years to fully develop, and in some cases there maybe pervasive attachment disorders for which professional therapy will be required. A strong indicator of whether attachment is taking place is the comfort with which the adoptive or step-parent is able to recognize the child’s needs. It is important to remember that the repetition of parents meeting a child’s needs is the foundation of forming a secure attachment with children of all ages, not just infants.

The attachment bond shapes an infant’s brain

The attachment bond is the term for our first interactive love relationship-the one we had with our primary caregivers, that is, our mothers. The mother-child attachment bond is instrumental in shaping infants brains. This important attachment profoundly influences our self-esteem, our expectations of others, and our ability to attract and maintain successful relationships. So, the success, or failure, of our first love-the attachment bond-has a life-long effect.

Our secure attachment bond shapes our abilities to:
- feel safe
- develop meaningful connections with others
- explore our world
- deal with stress
- balance emotions
- experience comfort and security
- make sense of our lives
- create positive memories and expectations of relationships
Attachment bonds are as unique as we are. Primary caretakers do not have to be perfect. They do not have to always be in agreement with their infants’ emotions, but it helps if they are emotionally available a majority of the time.

We were born with an innate or preprogrammed need to bond with one very significant person-our primary caregiver, usually our mother. Like all infants, you were a small bundle of disjointed emotions-intensely experiencing fear, anger, sadness, and joy, often at the same time. The natural emotional attachment that grew between you and your caregiver was the first interactive relationship of your life, and it depended upon nonverbal communication. Therefore, the bonding you experienced in this relationship determined how you would relate to other people throughout your life. This bonding relationship established the foundation for all verbal and nonverbal communication in your future relationships.

For better or worse, the attachment bond profoundly influences the infant brain. It is a baby’s first love relationship. When the primary caretaker can manage personal stress, calm the infant, communicate through emotion, share joy, and forgive easily, the young child’s nervous system becomes “securely attached.” The strong foundation of a secure attachment bond enables the child to be self-confident, trusting, hopeful, and comfortable in the face of conflict. As an adult, he or she will be flexible, creative, hopeful, and optimistic.

People who fail to establish this type of bonding relationship often experience confusing, frightening, or broken emotional communications during their infancy and often grow into adults who have difficulty understanding their own emotions and the feelings of others. This hampers their ability to establish, build and/or maintain attachments leading to successful relationships.

What is Attachment?

Attachment is the relationship between infants and their primary caregivers-is responsible for:
- shaping the success or failure of future intimate relationships
- the ability to maintain a normal emotional balance
- the ability to enjoy being ourselves and to find satisfaction in being with others
- the ability to successfully rebound from various disappointments, discouragement, and misfortune
Many scientific studies of the brain-and the primary role attachment plays in shaping it-has given us a new basis for understanding why vast numbers of people have great difficulty communicating with the most important individuals in their work and love lives. Once, we could only use guesswork to try and determine why important relationships never evolved, or developed chronic problems, or fell apart. Now, thanks to new insights into brain development, we can understand what it takes to help build and nurture productive and meaningful relationships at home and at work.

What is the attachment bond?

The mother-child bond is the primary force in infant development, according to the attachment bond theory pioneered by English psychiatrist John Bowlby and American psychologist Mary Ainsworth. The theory has gained strength through worldwide scientific studies and the use of brain imaging technology.

The attachment bond theory states that the relationship between infants and primary caretakers is responsible for:
- shaping all of our future relationships
- strengthening or damaging our abilities to focus, be conscious of our feelings, and calm ourselves
- the ability to bounce back from misfortune
Scientific research reveals the infant/adult interactions that result in a successful, secure attachment, where both people are aware of the other’s feelings and emotions is the necessary precursor for successful relationships. These studies also reveal troubled, or insecure attachment, in which the communication of feelings fails thus resulting in an inability to form the bind needed to establish a solid relationship. Researchers found that in order to have successful adult relationships there must exist in us and we must depend on the ability to:
- manage stress
- stay “tuned in” with emotions
- use communicative body language
- be playful in a mutually engaging manner
- be readily forgiving, relinquishing grudges
The same research also found that when an insecure attachment exists some type of abuse may have caused it, but it is just as likely to be caused by isolation or loneliness. These recent discoveries offer a new glimpse into successful love relationships. Taking these observations into account often provides the keys to identifying and repairing a love relationship that is strained or falling apart.

Insecure attachment affects adult relationships

Insecurity can be a significant problem in all of our lives, and it usually takes root when an infant’s attachment bond fails to provide the child with sufficient structure, recognition, understanding, safety, and mutual accord. These insecurities may lead us to:
- Tune out and turn off-Most often, if our parent is unavailable and self-absorbed, we may-as children-get lost in our own inner world, we become introverted, avoiding any close, emotional connections. This often causes us as adults to become physically and emotionally distant in relationships.
- Remain insecure-If we have parents who are inconsistent or intrusive, it’s more than likely that we will become unrealistically anxious and fearful, never knowing what to expect. Then as adults, we may become willingly available one moment and totally rejecting the next.
- Become disorganized, aggressive and angry-When our early needs for emotional closeness and comfort is neglected, or when a parent’s erratic behavior is a source of disorienting terror, emotional problems are sure to follow. As we grow into adults, we may lack the ability to love easily and may unknowingly be insensitive to the needs of our partner.
- Develop slowly-Problems often occur when we fail to develop as rapidly as we should, both emotionally and intellectually. Such developmental delays often manifest themselves in the form of deficits and often result in subsequent physical and mental health problems, and generally lead to social and learning disabilities.
Lessons Learned From Our Attachment Bond

There are many powerful, life-altering lessons we learn from our attachment bond-our first love relationship continues to teach us as adults. The gut-level knowledge we gained from this bond then guides us in improving our adult relationships and making them secure.

Lesson No. 1-All adult relationships depend on nonverbal forms of communication for their success. These nonverbal communication skills are learned in infancy. Newborn infants cannot talk, reason or plan; yet they are equipped to make sure their needs are met. Infants don’t know what they need, they feel what they need, and communicate accordingly. When an infant communicates with a caretaker who understands and meets their physical and emotional needs an attachment takes place and the strength of that attachment influences other relationships later in life.

Lesson No. 2-Relationships in which the parties are tuned in to each other’s emotions are called attuned relationships, and attuned relationships teach us that:
- nonverbal cues deeply impact our love relationships
- as we play it helps us smooth over the turbulent times we endure in love relationships
- inevitable conflicts can build trusting relationships if we approach them without fear or a need to punish or retaliate
When we can recognize knee-jerk memories, perceive expectations, inappropriate attitudes, unfounded assumptions and improper behaviors as problems resulting from insecure attachment bonds, we can squelch their influence and their effect on our adult relationships. That recognition allows us to readily reconstruct the healthy nonverbal communication skills that ultimately produce an attuned attachment and successful relationship.

Becoming an Adult and Relationship Orientation

As we grow into adulthood, for the most part we bring with us the ideas and communication lessons we have learned from the time of our infancy. Whether these are good or bad depends on our ability to not only view life from our perspective but also have the ability and the willingness to see things from the other person’s point of view as well. When we are able to do that, then we are in a more astute position to deal with situations and circumstances that are adverse to us.

As we move through the adolescent stage of life we find ourselves at odds not only with others but also with ourselves. We want to be an adult with all of its rights and privileges sooner that we can become one, yet at the same time we want to abdicate the responsibility that goes with that station in life. It is a time of being able to make your own decisions and taking authority over your own life, but you are not there yet. You must learn to maintain control of your impulsiveness and your inhibitions. You must be able to objectionably reevaluate your beliefs, see your parents and authority figures realistically, recognize and pursue your God-given talents and goals, and be willing to take ultimate responsibility for yourself. Finally you must be able to accept and appreciate people who are different.

This ability helps us to be able to accept the good and the bad because we are able to address situations in a mature manner. When we are able to do this, we place ourselves into a position of strength, resulting in a proper evaluation of ourselves. Thus we are able to overcome some of the most persistent problems we face daily because now we are not only able to see things in black and white but also in the various shades of gray. As such, we are able to make allowances for our and other peoples mistakes.

We at that point come to realize that everything in life doesn’t have to go our way in order for us to be happy. We gain a new perspective on ourselves, others and God as a result of our changed thinking. We are then able to deal with each other with mercy, in grace, with the understanding that we too make mistakes. When we move into the realm of tolerance and forgiveness, we are able to love others without them having to be perfect.

Yet, in order to accomplish the task and responsibility of growing up we must also be willing to take responsibility and be accountable for those things of which we have been put in charge. Those things include our attitude, tongue, and actions. As we continue to grow in stature and wisdom the maturity level of our life should also increase proportionately.

Differences Between Men And Women

From my experience in dealing with women, (my mother, aunts, seven sisters and many friends and associates) I find that the majority of women are generally oriented towards their existing friendship networks whereas men were more interested in meeting new people and finding people who had similar interests — in other words, men would rather enjoy the adventure of reaching out to new people rather than cementing their existing relationships.

These results contribute to the growing research on social capital, networking and highlight the importance of examining specific interactive applications. The importance of distinguishing between strong and weak ties plays a major role in establishing new relationships. Also, it is necessary to consider the importance of taking into account gender differences in social interaction patterns. Whereas, women increase their bonding social capital as a result of using these sites but men do not. Women, on the other hand, show a decrease in bonding social capital with those whom they meet outside of their normal sphere of influence.

The fear of incorporating emotional intimacy into these association/relationships is mainly due to a fear of rejection and engulfment – a fear of losing the other and/or losing yourself. To overcome this obstacle you must be able to establish an inner bond with yourself. Inner Bonding is a transformational process for healing the fear of intimacy related ideas that have been carried from past experiences.

The mental visualization of these experiences often cause us to digress into a self-contained state of emotional security that hinders our ability to openly tolerate the inconsistencies we see in others. As a result, we ourselves are moved to a protective state and therefore unable to deal with the negative feelings that we will invariably experience. This barrier can block us from resolving issues that in reality are non-issues.

The Immaturity In Adolescence

Struggles with adolescent identity and depression usually set in when an adolescent experiences a loss. The most important loss in their lives is the changing relationship between the adolescent and their parents. Adolescents may also experience strife in their relationships with friends. This may be due to the activities their friends take part in, such as smoking, which causes adolescents to feel as though participating in such activities themselves is likely essential to maintaining these friendships. Teen depression can be extremely intense at times because of physical and hormonal changes but emotional instability is part of adolescence. Their changing mind, body and relationships often present themselves as stressful and that change, they assume, is something to be feared.

Your experiences in life help you to mature. The maturity is developed when you know you have no one to blame for the past but the circumstances and your immaturity. Oftentimes your immaturity stopped you from having a proper perspective of the facts facts and seeing things as they were. This made you blame others for your sufferings. You may have created and escalated your suffering without realizing the facts and circumstances and taking a easy way out by holding others responsible for it.

You feel you are always on the receiving end of every wrong or perceived wrong due to your immaturity. However, life has a knack of replaying memories and after few years it recreates the same circumstances but this time puts you on the opposite side (giving end), you are left with no choice but to accept the fact that you were so immature then and have grow-up with years. As you mature, life makes you see your ‘old you’ in somebody else now in these replaying of circumstances and you know that the other person still has to wait years ahead to grow and realize these facts.

Maturity slowly leads to wisdom when you know that it is only you who has to stand up and take responsibility for your past – action / inaction, sufferings / failures instead of holding others responsible. It is truly said that you create your own happiness. By blaming others and holding grudges you keep happiness at bay and give way to hatred and self pity. However, with time and wisdom when you accept the responsibility for your sufferings and embrace all your successes without pride -you are truly happy.

Divorce And Its Affects On Maturity

Children of divorced parents often bitterly vow not to repeat the same mistakes. They want to avoid putting themselves and their own children through the pain that comes from the dissolution of a marriage. But, according to University of Utah researcher Nicholas H. Wolfinger, these children’s aspirations face unfavorable odds. “Growing up in a divorced family greatly increases the chances of ending one’s own marriage, a phenomenon called the divorce cycle or the intergenerational transmission of divorce.” Dr. Wolfinger has spent almost a decade studying the marriages of children from divorced homes in America. These children are more likely to marry during their teenage years, cohabitate and marry someone who is also a child of divorced parents. And they are also one-third less likely to marry if they are over age 20.

“Understanding the Divorce Cycle: The Children of Divorce in Their Own Marriages,” by Wolfinger, published by Cambridge University Press, contains important information for those interested in divorce and its repercussions. “Divorce is an important topic because it has so many consequences for well-being,” writes Wolfinger,

“Its transmission between generations adds a whole new dimension by perpetuating the cycle of divorce. The divorce cycle, in short, can be thought of as a cascade. Ending a marriage starts a cycle that threatens to affect increasing numbers of people over time, a sobering thought in an era when half of all new marriages fail.” His research also suggests that if one spouse comes from divorced parents, the couple may be up to twice as likely to divorce. Spouses who are both children of divorced parents are three times more likely to divorce as couples who both hail from intact families.

Besides observing the marital stability of the offspring of divorced couples, Wolfinger’s book provides another perspective on how parental divorce affects offspring marriage timing, mate selection, cohabitating relationships as well as historical trends in the divorce cycle. Wolfinger also explores the divorce reform movement in America and argues in favor of no-fault divorce laws, arguing that a return to an age of tough divorce laws would recreate the social conditions that used to make divorce harder on children.

It is my opinion considering all that has been written on this subject that one reason children from divorced families get divorced more often is because they have a tendency to marry as teenagers. Social history demonstrates that the older you are when you marry, the less likely you are to get divorced. It’s good advice for everyone.”

On the other hand, the more transitions children experience while growing up, the more they will experience as adults. Taking this into consideration, the question that needs to be asked is, “What is the hardest for kids is how many disruptions they experience — the up-and-down cycles.

This is a valid question because many children will have stepparents, and some will see their new families dissolve. This type of disruption occurs any time they lose a parent — except from death. That’s different, and doesn’t have the same negative effects on children… whereas divorce is ambiguous. Children wonder whether the divorce was their fault or who is to blame. And they wonder ‘Is he coming back?’” It is certainly good news that people are less likely to stay in high conflict marriages than they used to. However, “ending a low-conflict marriage may hurt children as much as staying in a high-conflict family,” and the odds of divorce transmission are actually highest if parents dissolve a marriage after little or no conflict. It therefore behooves us to evaluate the effects divorce will have upon our children and their emotional well being should we decide to travel that road.

But before making that decision, we should honestly examine ourselves and the motivating things that are moving us in that direction. This inventory, if prayerfully done will allow us to see the other persons point of view more clearly and thereby make the necessary adjustments, where warranted, to resolve the issues that precipitated situation to begin with. If we are truly willing to continue the relationship, then we must take the necessary steps needed to resolve the issues of what is good or bad by first considering what we could have done to alleviate the problem rather than casting blame. When we allow the power of forgiveness to flow in us we cannot only deal with the past and present, but also the future as bonds are cemented.

Gray, Deborah. Attaching in Adoption: Practical Tools for Today’s Parents. Indiana:Perspectives Press Inc., 2002.

[ad_2]

Source by Franklyn T. Johnson, Ph.D

Views: 0
February 3, 2020
Personal or Team Accountability In Multi-Level Marketing – Which Is More Important?

[ad_1]

Personal and Team Accountability Are Both Keys to MLM Success

You’ve started your own network marketing business. You’ve teamed with a great company who has products you believe in, you’ve made your time commitment, and you start to generate interest in your business. You’re enthusiastic, you sell some product, maybe even add a few people to your downline. It seems you’re putting a lot of effort into your new business. But after a couple of months, you think “why am I getting nowhere fast?”

The vast majority of those who start an MLM business fail – historically as many as 95%. Some lose their investment entirely, some break even, some even make a little money.

There are a number of reasons why.

Many MLM’ers may not succeed because they don’t pay attention to a key component of their business. Accountability.

Webster’s defines “accountability” as “an obligation or willingness to accept responsibility or to account for one’s actions”, “to be accountable or answerable”.

You may think – “It’s my own business, I’m independent, who do I need to be accountable to?” The answer is you.

The Importance of Personal Accountability

Many of us have used day planners, call logs, activity reports, and all manner of reports to track and manage our day, and report to our bosses who we have seen, what we sold and what we accomplished every day or week. Wouldn’t that be a good idea for you and your business?

Daily goals and visualization go a long way to creating a thriving business. What’s really needed is a format to track this information. Some of you may have trackers for your business. Do they incorporate your goals? Do they help you have a clear picture of your business? Are they simple and easy to use? If not, look for one that fits your needs, and use it religiously.

Team Accountability Is Just As Important

Multi-level marketing, along with practically any other business, functions best if the drivers and the followers all know where the team is going. Communication among team members is crucial. Communicating to your downline is just as important – just letting them know you are there to help them in any way possible can be motivating. Remember, if your downline succeeds, you succeed.

Personal and Team Accountability – can they work for you? Absolutely. Be dedicated, work hard and be accountable. Do it, and be amazed at the results!

For more about Accountability, and a free Accountability Tracker, go here.

[ad_2]

Source by Horace Calvert

Views: 0

February 3, 2020
Enterpriship – The Art and Science of Entrepreneurship, Leadership, and Management

[ad_1]

Every individual who starts, owns, or is a member of the management team of an enterprise, should strive to build sustainable advantage. Sustainable advantage is essential to value creation because cash flows become predictable and reliable over long periods of time. As a consequence, it is easier to plan for investments in new endeavors and to maintain contingency reserves for downturns.

Building sustainable advantage requires proficiency in the disciplines of entrepreneurship, leadership, and management. Collectively, these three disciplines embrace “enterpriship.”

Enterpriship is both an art and a science. Art is an occupation that requires both knowledge and skills; science is method for systematizing knowledge. Through both knowledge and skills, enterpriship provides a systematized approach to building sustainable enterprises by employing the techniques of entrepreneurship, leadership, and management.

Entrepreneurship is a competency for starting, developing, and assuming risk for an enterprise. Leadership is a competency for aspiring, inspiring, and motivating others. Management is a competency for directing and controlling events and activities – management as a “team” has the authority and responsibility for the enterprise.

Being proficient in all three competencies requires experience. Entrepreneurs may lack the leadership and management competencies, leaders may lack entrepreneurial and management competencies, and managers may lack the entrepreneurial and leadership competencies to build a sustainable enterprise.

Upwardly mobile entrepreneurs have to demonstrate to investors that they can build large markets. Lifestyle business enterprise owners, such as dry cleaners, hairdressers, professional service providers, restaurateurs, and retailers, are responsible for everything in their businesses. Executives and managers in larger enterprises are under constant pressure from investors to generate quality earnings on an ongoing basis.

The enterprise depends upon the use of all three enterpriship competencies as do the employees, customers, suppliers and investors.

When entrepreneurs start enterprises, they tend to focus on the benefits and features of their products and/or services. Intrapreneurs, who are agents of change in established enterprises, tend to do the same thing. However, focusing on products and/or services alone is insufficient for building sustainable advantage over time.

Without people there is nothing in business. Processes must be effective and efficient at delivering quality products and/or services conveniently. If an enterprise can’t deliver, a competitor will.

Hence, the management team collectively must be proficient in entrepreneurial, leadership, and managerial roles that dictate successful people-oriented, process-oriented, and product and/or service capabilities.

The entrepreneurial role is both process-oriented and product-oriented, through which innovative ideas are transformed into value at every stage of an enterprise’s development.

The leadership role is people-oriented, through which direction is set that others will follow to achieve results – equally applicable to top-level executives, team leaders within functions, or anywhere in between.

The managerial role is process-oriented, through which resources (time, materials, and supplies) are applied to activities to achieve results.

These three roles embrace the planning and policy development, deployment and execution, and performance measurement activities of the enterprise. Deployment means positioning the resources of the enterprise in the best markets for its products and/or services. Execution means getting things done through people and processes effectively and efficiently.

Unless the management team employs these three enterpriship competencies collectively to address people, process, and product and/or service capabilities, the enterprise will be unable to build sustainable advantage over time, and will ultimately decline, and maybe fail.

If the management team can systematize building sustainable advantage through the effective and efficient use of people and processes, then there more time to spend on developing the benefits and features of products and/or services. Enterpriship provides the approach…

[ad_2]

Source by Nigel Brooks

Views: 1

January 31, 2020
Mind, Body, Spirit Healing–Putting It into Practice

[ad_1]

Modern Medicine promotes the belief that health and wellness is a crap shoot, genetically driven and at best, pure luck. If the roll of the dice isn’t in your favor or your genetic make-up has been doomed six generations back, or luck runs out, Modern Medicine has a magic pill, chemical bomb or simply cutting out whatever organ is afflicted as a solution.

Norman Vincent Peale declared, “Change your thoughts, and you change your world.” Caroline Myss, medical intuitive extraordinaire states, “Every choice we make, every thought and feeling we have, is an act of power that has biological, environmental, social, personal and global consequences.” Wayne Dyer states, “We are responsible for everything in our lives, including whether the chemistry in our body works or doesn’t work.” If you believe health and wellness is a crap shoot, genetically driven or pure luck you have set the stage for body malfunction. If you believe as Norman Vincent Peale, Caroline Myss, PhD and Wayne Dyer, PhD, Deepak Chopra, MD believe your choices, thoughts and feelings are an act of power, and that you are responsible, then you are in control of your health.

To be effective Mind, Body, Spirit healing needs to be practiced on a daily basis–not after your body is being ravaged by a malfunction. Mind, Body, Spirit healing is a process that maintains and supports health and wellness, thereby prevents body malfunction. People who practice Mind, Body Spirit healing avoid having cancer, MS, heart attacks, strokes, and the 101 other afflictions from A to Z, which Modern Medicine has conditioned us to be plagued by from birth to death–for many a premature death.

The nine most frequent surgeries in America are Tonsillectomies, myringotomies, Cataract removal, Low-back surgery, Gall Bladder removal, Hysterectomies, C-Section, Sleep Apnea, Jaw pain.

As Dr. Myss stated–“…every thought and feeling we have, is an act of power that has biological,…consequences.” In order to change any biological consequence you need to change your thoughts, which changes your feelings. Your new thoughts/beliefs must be shifted to empower you to control your health.

To eliminate/avoid the most common reasons for surgery, it is important to know the thoughts/beliefs, which creates body malfunctions and healthy thoughts/beliefs to prevent or heal it.

Tonsillitis, Quinsy, Sore Throat – cause: Fear, Repressed emotions, Stifled Creativity, A strong belief that you cannot speak up for yourself and ask for your needs, Feeling unable to express yourself. Holding in angry words.

Remedy: “I release all restrictions and I am free to be me. It is my birth right to have my needs met. I now ask for what I want with love and with ease. My good now flows freely. Divine ideas express through me. I am at peace.”

Ear Infection – cause: Anger. Not wanting to hear. Too much turmoil. Parents arguing.

Remedy: Myringotomies are performed for recurrent ear infection, usually in children under five. Since your child is incapable of changing the thoughts/feelings you need to take the responsibility to change the child’s experience and foster the expression of feelings. Listen to and acknowledge your child’s feelings. Avoid talking at your child, talk with your child. There many excellent books on effective parenting. If there is turmoil, fighting and arguing between the parents–seek counseling to resolve your adult issues. I urge adults who have frequent colds/sore throats to use the following thought patterns. “I hear with love. Harmony surrounds me. I listen with love to the pleasant and the good. I am a center of love.”

Cataracts – cause: Inability to see ahead with joy. Belief in a dark future.

Remedy: “Life is eternal and filled with joy. I look forward to every moment.”

Gall Bladder problems-cause: Bitterness. Hard thoughts. Condemning. Pride. Fear.

Remedy: “I joyously release all hurts from the past. Life is sweet and so am I.

Uterus/ovary problems – cause: Allowing confusion to reign. Giving power to outside influences. Rejection of the feminine processes.

Remedy: “I am at home in my body. I am balanced in my creative flow.

C-Section-cause: Belief in old wives tales. Belief–childbirth should be painless. Fear. Stopping the process. Rejection of the feminine processes. Unhealed aftereffects of child sexual abuse/rape or adult rape cause the memory of trauma to interfere with the natural birth process. If you are a sexual child abuse or adult rape survivor heal the emotional and physical aftereffects. See http://www.gen-assist.com to find a sexual abuse recovery specialist, traditional therapy is not effective to guide you through sexual abuse recovery.

Remedy: Change your beliefs about childbirth. Take natural childbirth classes. A mid-wife and/or doula can lead you through a healthy delivery in the majority of instances. “I trust the process of life. I am safe. I am balanced in my creative flow.”

Jaw Pain-cause: Anger. Resentment. Desire for revenge.

Remedy: “I am willing to change the patterns in me that created this condition. I love and approve of myself. I am safe.”

Sleep Apnea: Stubborn refusal to let go of old patterns, overweight or tonsil malfunction.

Remedy: “I release all that is unlike love and joy in my mind. I move from the past into the new and fresh and vital.” Lose weight and follow remedy for tonsil malfunction.

Low-Back Pain L-1 to L- 5 – cause: Crying for love and a need to be lonely. Insecurity. Stuck in childhood pain. See no way out. Sexual abuse. Guilt. Self-hatred. Rejection of sexuality. Financial insecurity. Fear of career. Feeling powerless. Insecurity. Difficulty in communicating. Anger. Inability to accept pleasure.

Remedy: “I am safe in the universe and all Life loves me and supports me. I grow beyond my parents’ limitations and live for myself. It is my turn now. I release the past. I cherish myself and my beautiful sexuality. I am safe. I love who I am. I am grounded in my own power. I am secure on all levels. I deserve to enjoy life. I ask for what I want and I accept with joy and pleasure.”

Tip: Write these thoughts on a 3X5 card. Read them silently or out loud 3 times upon awakening and before going to sleep. Have a copy with you, if you notice you are running the old tapes in your head, read the new thought pattern. Within 30 – 45 days you will notice you feel better, more energized and have a sense of relief.

The food we eat or lack of proper nutrition contributes to physical malfunction. I will discuss nutritional needs–titled Holistic Nutrition.

Article resource: Heal Your Body, Louise Hay.

[ad_2]

Source by Dorothy M. Neddermeyer, PhD

Views: 0

January 27, 2020
Advantages And Disadvantages Of Living In Apartments And Villas

[ad_1]

Today, villas are becoming very popular. As opposed to the space you get to enjoy in a villa, residing at an apartment can be very restrictive, most especially when you have kids. Property experts emphasized though that living in both have their own pros and cons. By being aware of these pieces of information, you can decide if buying a villa instead of staying at an apartment in a hotel is a smart decision or not.

Living In An Apartment

Certainly, security is better if you choose to live in an apartment. A non-resident individual can’t just enter in an apartment building. Neighbors will also be very close to know it something bad is going on and can quickly call the police. When it comes to water, gas, and electricity, life will be a lot easier. These things will be provided by the building. Maintenance will also be stress-free due to the fact that the real estate owner is responsible for the building’s upkeep. In case there will be a park where your family and friends can spend quality time in, it is likewise the building owner’s responsibility to keep it clean and damage-free. Most importantly, you will get access to important facilities.

On the other hand, maintenance costs can be very expensive – this will depend on which building you bought the apartment in. Since you have nearby neighbors, your conversations may possibly be heard. But you can always make your apartment soundproof. You may also have a limited space. Moreover, expansion is not possible because if you purchase an apartment, the area you have invested in is fixed. Of course, you can’t just break down a wall if you want to make your area more spacious.

Buying A Villa

If you choose to buy a villa, you will get to enjoy freedom. You will not feel like you are a prisoner inside. This further means that your movement won’t be limited. In fact, you can expand if you really want to and decorate your room with whatever design you prefer. Moreover, you can have a garden in your yard. A garden will make your property more beautiful. If not, you can choose to install a swimming pool in your yard if it does not have one yet. Lastly, a villa will certainly make you appreciate what a real home feels like.

On the contrary, security is not tight if you live in a villa, most especially when you are away. Apart from that, you will also need to pay for facilities, and manage gas, electricity, and water by yourself. Most importantly, the location might be a bit hassle to you if you are working within the city.

[ad_2]

Source by Brian E Bell

Views: 0

January 27, 2020
12 Benefits and 12 Challenges of Being an Entrepreneur

[ad_1]

All over the world, people are breaking free from the traditional employment model and choosing to achieve business success as entrepreneurs. Will you be the next?

Let’s start by covering 12 of the most commonly-mentioned benefits of being an entrepreneur to inspire you on your journey:

1. You can choose your own schedule.

2. You are free to travel.

3. You can take sick days or vacation days whenever you need them.

4. If there are necessary tasks you don’t enjoy or have time for, you can outsource them.

5. You can select your own employees.

6. Learning to be a better boss also teaches you to be a better employee.

7. Your innovative ideas have a chance to shine unfettered.

8. You do not have to wear a uniform or follow a company dress code.

9. You enjoy better job security than most people.

10. Entrepreneurship teaches you the benefits of hard work.

11. You can always feed your curiosity by learning more about every aspect of your business.

12. Your ambition can always drive you to greater heights and business success.

As you can see, entrepreneurship is becoming popular because it comes with a whole new lifestyle for those who are willing to seize it.

Of course, entrepreneurship isn’t all sunshine and freedom. According to the United States Small Business Association, a third of small businesses fail within the first two years, and more than half fail within the first five years.

Not surprisingly, the challenges of entrepreneurship represent the flipside of the advantages we discussed above:

1. Choosing your own schedule can result in wasted time without the proper time-management skills.

2. Even while traveling, it may be necessary to handle work-related crises, because you are basically always “on call.”

3. There are no paid sick days or vacation days, so you must decide how much each day off is worth to you.

4. You are responsible for completing any tasks you can’t afford to outsource.

5. Hiring employees means you must learn how to conduct interviews, uphold workers’ legal rights, and coordinate payroll.

6. If you don’t yet have the leadership capabilities to direct others, you will be taking a crash course once you hire freelancers or employees.

7. You must narrow all of your innovative ideas down to the ones that have the most potential to help you achieve business success.

8. If you don’t maintain a professional appearance in person and online, it is sure to reflect poorly on your company.

9. You are responsible for funding your business, even if you’re operating at a loss.

10. Only results are profitable, not time clocked, so it’s possible you will work hard and still end up disappointed.

11. You must be familiar with each aspect of how your business operates, including those which may not interest you, to ensure everything is running smoothly.

12. Only you can motivate yourself to achieve business success.

To sum it up, let’s say that with freedom comes responsibility. If you can’t handle one, you aren’t yet ready for the other.

Of course, I don’t believe people should give up on their dreams. Just be sure to arm yourself with knowledge and understand what you are getting yourself into.

[ad_2]

Source by Evelyn Gawlowska

Views: 0

January 26, 2020
4 Benefits of Using the Cash for Cars Service

[ad_1]

Selling an old car is often a hectic and tiring process. There are many things that need to be sorted if you plan to find a buyer, such as making repairs, getting it serviced and having the proper paperwork. However, there is a much simpler solution to get rid of an old car and still get a little money for it. Let’s take a look at are a few of the top benefits of using the cash for cars service:

Fast and easy cash

Using the cash for cars service is likely to offer the quickest opportunity to earn a little money when it comes to selling an old car. They offer payment at the time of removing the car and will even take a car that is in a terrible condition and beyond repair. The neglected cars are still acceptable to these businesses because they are able to appreciate that there is still value in the many different components and materials that can be removed and reused.

Efficient removals

A further great benefit is the ability to use a service that removals a car for free. The alternative options like trades-ins or private selling often mean taking a car to a specific location, such as a dealership. This option may not be appropriate for everyone, especially for those cars that aren’t in a roadworthy condition. The cash for cars service will take on full responsibility of removing a car which can take place at a time that is convenient.

Benefits the environment

This type of service can have a major benefit to the environment because it can have a positive effect on the number of vehicles that are left to deteriorate on a landfill site. Over the long-term this can have a very negative impact on the environment. However, the more eco-friendly option is to salvage the many parts of a car which can easily be recycled. Also, any waste that is left over will be disposed of in a friendly manner.

Less stress and trouble

The option to use the cash for cars service is likely to be one of the less stressful options to get rid of something you no longer need. If you try to find a buyer for an old or neglected car, there is a need to complete the necessary repairs and get the body fixed to an acceptable standard. This can be a time-consuming process and cost money. Also, there is the need to have the relevant paperwork. However, when you are simply having the car removed from your property, there is no need to worry about repairs because it will be accepted as is.

[ad_2]

Source by Leo Eigenberg

Views: 0

January 26, 2020