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Our college-bound son just bought his first home at 21. He was able to buy a home for forty thousand under the appraised price, get a low interest rate, finance the closing costs, and pay no money down. How could he possibly do this? His credit score is over 700.

You can help your teenager prepare for his or her financial future by establishing a high credit rating. Offer your teenager these three crucial credit tips for a great financial future:

1. Start early. Begin by successfully managing a checking account-- the first credit requirement. Wells Fargo Bank has a program for children to open joint accounts with a parent as young as 13 years of age. For a free individual checking account, Washington Mutual requires a minimum age of 18 or a manager's approval for younger account holders.

2. Apply for a major credit card at 18. It's easier to get a first-class credit card with favorable rates and terms while a student attends college before the age of 22. Why do banks want to open accounts for students who have no credit history or employment? Because lenders know that college graduates in general make more money and also pay their bills on time. Also, most consumers don't like shopping around for credit and tend to keep their credit accounts. Therefore, lenders desire to establish strong relationships with the preferred market early in their credit experience.

This doesn't mean that you as the parent need to co-sign; banks expect parents to help out with the payments when necessary. Just be crystal clear with your child what you expect regarding debt management. The purpose is to teach responsibility and to establish credit--not to go into debt.

3. Manage the credit card account with credit scores in mind. Once the account is opened, encourage your child to use the card for necessities that would be purchased with cash--not luxuries--and to pay the debt before finance charges accrue. However, don't pay the entire balance off each month; let a little roll over at least every two months. Banks don't appreciate accounts paid in full each month. More important, paid accounts don't factor into the credit score as much as an account with a low balance.

Explain to you teenager that the purpose of using a credit card is to establish good credit. To do this, a credit card should never have a balance over 50% of the available credit. The best credit scores have accounts with only 10% of the credit line used.

Setting up a checking account and a credit card account helps your teenager learn about responsible money management, with the bonus of building strong credit to finance a home.

(c) Copyright 2005 Jeanette J. Fisher All rights reserved.

# posted by oisnjqv : 10:35 PM  0 comments

Handmade Mother?s Day gifts are an all-time favorite with moms everywhere?with a handmade gift, it doesn?t matter how much money you spend but rather how much thought you put into making it. Handmade gifts are especially good if you have small children. What you need to be successful is mainly a little bit of creativity. The project will be a lot of fun as children and their fathers try to make the perfect gift for the number one person in their lives. This process is one way to ensure that your mom gets a unique gift.

An always popular handmade gift is a bouquet crystals, pebbles, and potpourri. The first two are easily available and inexpensive. Making potpourri is simple. All you need are different types of dried flowers.

Getting your mother her favorite plant in a pot is also a very popular gift. You could also make her a hanger for the pot. To make the hanger, all you need is a milk carton, a sharp pair of scissors, and some paint. Cut some windows on the top of the carton, paint it, add your plant to the bottom of the carton, and hang it using string. Voila! Your hanging potted plant is ready!

If you know to knit or sew, you can make your mom anything??a sweater, a top, cushion covers, quilts, etc. Just make sure you start on your project well ahead of time so that you don?t have to rush it. You could also take photographs of your family or your mom when she was young and put them into a photo frame, make her an album, create a collage or even use the pictures in quilts, throws and cushion covers.

If you?ve run out of money and time, there is another option for an excellent gift. You can give your mom coupons and IOUs she can ?cash in??whenever she wishes. Through your coupons, you can volunteer your services for household chores. For instance, your coupon could be a promise to wash and dry the dishes, set the table, clean the house, do the laundry, etc. You can make the coupons attractive and probably give them along with a breakfast in bed for your mom on Mother?s Day.

# posted by oisnjqv : 6:46 PM  0 comments

One of the best inspirational sports stories ever concerns the U.S. Olympic Hockey teams triumph at the 1980 Winter Olympics. The tale has it all. There are young kids with dreams of glory, hard work, team spirit, a goal that far exceeds their grasp, and a Rocky-like finish.

The ultimate win of the Olympic Gold Medal over the Russian National Team has been written up in sports magazines and newspapers innumerable times in the past twenty-five years. The story is also told on video. For less than $10.00 on Amazon you can buy the DVD Do You Believe in Miracles? Watch the 60-minute program and you?ll cry and cheer. This video was produced by ABC sports. In 2004 Walt Disney Studios produced the excellent feature film, Miracle starring Kurt Russell as the U.S. Olympic hockey team?s coach, and Patricia Clarkson as his wife. The film does a great job of showing all the planning and effort that went into the run for the gold.

But if you really want to motivate more than yourself, you should consider the classic training video, Do You Believe In Miracles? This shorter version of the ABC Sports presentation is designed for training. It comes with a public viewing license. This means it can legally be used at workshops and seminars for training and motivation. This version cannot be purchased on Amazon, however.

?One of the great motivational videos of all time. The video documents the underdog U.S. Hockey team's 1980 Olympic Gold Medal win; culminating with the stunning upset of the top seeded Russians. This 24-minute documentary is about one of the greatest upsets in sports history: the United States' defeat of the vaunted Russian Olympic hockey team in Lake Placid, New York. It's David vs. Goliath: A bunch of college kids from Canada and the United States up against the Soviet Union professionals who had won four straight Olympic gold medals.??br> ??Program Description

It?s almost impossible to view the final minutes of each of these videos without tears in your eyes, a lump in your throat, and a cheer on your lips. If you saw the game live, the videos bring back the joy you experienced then, and if you?ve never seen the story unfold at all, you will be amazed . . . and moved.

You owe it to yourself to check out a copy from your local library, or purchase on Amazon or buy the training version if you want to inspire teamwork in others. Share the feelings of triumph and pride. You will rejoice. You will believe in miracles. And what?s more, you?ll find that motivation is contagious.

# posted by oisnjqv : 6:06 PM  0 comments

Soccer players are athletes, but unlike a 100m runner where there is explosive speed for 10 seconds in a straight line, there are many other abilities that soccer players need to develop.

Here are 5 key soccer related speed abilities that you should develop in your players.

#1 - Speed of thought

Soccer players have a great deal to concentrate on. There senses are constantly being blitzed with information, which they need to quickly decipher. Here are some examples:

- Where opponents are positioned

- Actions of their team mates

- What's infront of them and their peripheral vision

- The conditions of the pitch and the weather

- The noise from team mates, crowd, coaches and opponents

- Their tactical position and the strategy of the team

#2 - Speed of anticipation

Some players have a great reading of the game. I have a friend who although he is now in his late 40's early 50's still plays regularly and competes well with players half his age!

How does he do this... because he's played soccer all his life at professional and international level he has built a huge database in his brain of playing situations, player characteristics, tactical situations etc. and he is able to draw on this which gives him superb speed of anticipation.

Sure for explosiveness and reaction times the younger players would win every time, but as the old saying goes..."the first couple of yards are in the head!".

So here it is important that players develop a knack of interpreting the actions of the opponents and what that means to the games development.

#3 - Speed of reaction

As mentioned in the last bullet, speed of reaction is vital.

Anticipation is one thing, being able to react quickly is another.

Consider the role of the goal keeper, their reaction time to a sudden shot, deflection, switch in angle of attack, flight of the ball must be very acute.

But how does a goal keeper react and what to? In this instance, the goal keeper will react to a number of external stimuli, here's a list:

- The visual element of the opponent with the ball, are they carrying it, have they got backlift as if ready to strike the ball, is the opponent in space and is their a clear line of sight on goal

- The auditory element, do they hear the strike of the ball, is it fizzing, does it take a deflection of a player (thud), a shout from a team mate, maybe a close opponent barracking the goalie " he's going to shoot!"

All of these stimuli will have an effect on the player.

Once stimulated the player should choose the best option available to them to react to that situation.

Again we will use the goalie;

If a shot is fizzing towards them low and hard, the pitch is wet and quick, and there are a number of players the ball has to go through before hitting the target, do they get down low anticipating a clear strike on goal, have quick feet and get their body in line with the expected flight path, do they dive towards the ball, kneel or hack the ball?

The answer to this question lies in the ability, confidence and experience of the player.

#4 Speed of feet

Here we are talking about the basic running / sprinting motor skills.

Initial explosion and acceleration are vital to covering the ground quickly. Speed of feet is without the ball, and since it is without the ball it is rarely in a straight line.

Therefore, as a players progress is often inhibited by other players they must adjust and change direction in relation to their team mates actions and those of the opponents.

Explosive speed is generated from the leg muscles stretching and contracting to achieve maximum power, but good running technique, driving through the arms and co-ordination are also vital.

#5 Skill speed

Watching a player run at pace and carry the ball is a truly awesome sight.

Sprinting full out while keeping possession and holding off any challenges from opponents to dribble and create an opportunity to shoot at goal is a tremendous ability.

This key skill though is still built on the last point which is speed of feet.

However, while a player may be very quick is only advantageous if their ball manipulation and technical skills are as up to speed as their pace (pardon the pun).

So, what can you do to help coach the 5 key speed principles?

#1 Speed of thought - enable players to make their own decisions, that means give them lots of opportunites to make choices. Condition games so that it forces them to think.

Play soccer games with them, don't just do drill work. By playing games they will also gain experience which help them build their database from which to draw on.

Keep them motivated, players will not think unless they are motivated and stimulated to do so. Finally, let them be free of any fear and stress of making wrong decisions.

#2 Speed of anticipation - play more soccer, coach them through the game.

Ask plenty of questions on how they are reading the game development.

Offer your insights into positions they have taken up in relation to opponents advances, both strengths and weaknesses.

#3 Speed of reaction - use reaction balls, have goal keeper starting positions with their back to play and react to shots, play rebounds off walls.

Try not to use your whistle or command as the key for the reaction as this wouldn't happen in a real game so don't practice this way.

#4 Speed of feet - always, always warm the muscles up before doing any speed work!

Do some sprints, keep it high intensity with short sharp bursts. Develop good running technique with the use of speed ladders and hurdles.

Try using some different starting positions to like standing, from a jump and land, on their back, on their stomach, incorporate turns, feints and directional changes.

#5 Skill speed - make your training as game related as possible, focusing on speed with the ball, movement, game related distances and challenge.

Hopefully this has given you some good food for thought, enjoy your training!

# posted by oisnjqv : 5:15 PM  0 comments

Perusing fly fishing articles is a great way to learn more about the passion of fly fishing. The library of fly fishing literature rivals other forms of fishing even though in sheer numbers fly fisherman are out numbered by almost all other forms of fishing. There are terms in fly fishing literature that are thrown out frequently without explanation or definition. One such subset of these terms is the classification of fly fishing rivers. One can read for years and hear about freestone rivers, tailwaters, and spring creeks, without elaboration of what these terms actually mean in general and to fly fishers in general. We will attempt here to explain these classifications a little bit. This first in a series of articles will go into the spring creek.

Spring Creeks are infamous in the United Kingdom, long credited as the ancient birthplace of fly fishing. Specifically, in the UK and the Midwest United States, are the limestone spring creeks. By definition spring creeks are fed obviously by springs. What this means for fly fishing is that the water temperature will most likely remain stable year around, ideally in the high forties to low fifties on the Fahrenheit scale. Stable temperatures allow for a healthy environment for aquatic insects to grow, which doesn't take a huge amount of mental power, to make the jump to the thought that this is also great for the growth of fish.

Not only do the water temperatures remain steady but the volume does as well. Unlike other rivers that depend upon snow melt, and/or dams, spring creeks water comes bubbling up from the surface, and is fed by springs and smaller spring creeks as it works itself downstream.

When one thinks of spring creeks, one thinks of, meandering hills, gentle slopes, meadows, and wide shallow valleys. Although spring creeks can occur in mountainous regions as well, carving out a niche that is usually reserved for freestone streams. They typically are at lower elevations.

The characteristics of spring creeks, leads to some special considerations when selecting your arsenal of fly fishing flies. The meandering of the typical spring creek, with all its stable features lends also to vegetation growth. Therefore insects that feed of vegetation are the rule here. Also the banks tend to be cut into the earth, perfect habitat for mud dwelling grubs, worms and nymphs like the hex. There also tend to be abundance of scuds, sow bugs, as well as midge patterns. Since the terrain is likely grassy, look for terrestrials like hoppers and crickets. And in the riverbank itself will be ants and beetles. Terrestrials make a good bet all summer long. A good selection for spring creeks will include, patterns imitating species above, as well as some small classic dry flies, like Adams, BWOs and PMDs.

Spring creeks are likely to be small and certain tactics need to be remembered. Everything is more likely to be noticed by your wary prey. Including your approach, your colors, your silhouette. It is best not to wade, it is best to approach from upriver, and you are likely only going to get a few casts, and then moving on is your best bet. With gentle gradient the spring creek will have many, many holding areas for trout. Using tippet down to 7x is common, as is long leaders. Perfect presentations are required, and it is a great time to practice your accuracy and line management. Bring your 4x or smaller for precise fly placement, mending if necessary must be done early in your drift and without ruckus.

Many think of the spring creek as the epitome of fly fishing. And with good reason. Their very nature, evokes relaxation, tranquillity, and all the things fly fishers love.

# posted by oisnjqv : 3:54 PM  0 comments