Low and Cheap PCs

Personal Computer have changed the people life. And every person have a PC in their home in a normal family. And my opinion every one need a PC. But due the the huge amount of use of the energy due to the Computer in huge sector, the energy consumed is growing day by day. And there must be some solution to this problem. If the huge computer can be made to work in low power available then we can managed the energy saving and bring a revolution in the world.

A company has invented cheap pcs so that people can enjoy the low power consumption at low price. Its just not about the low price as power consumption directly effect you electricity bills and helps energy saving.

Its not just about the power consumption, but they are also the cheapest found on market. If people are really concious about the energy and the money then, I suggest people surely should get a one. I have order a piece for myself, as every good things should be started from ownself.

Save energy, Save world – Go green.

Financial Planning Process Steps

Whenever we start a new venture, the first thing that we invariably do is planning. And when it comes to finance and business, needless to say, planning becomes an indispensable activity. So what is financial planning? Financial planning can be termed as a process in which financial needs are assessed first, objectives to achieve monetary goals are set (which include investments) and assets and resources are evaluated and ways to increase them are devised. Why is financial planning important? Of course! This is important! This activity not only allows the person to learn about planning his finances but also helps him understand the importance of cash flows and investments that come handy in the most unexpected situations. How is financial planning done? Yes, this is what this article is all about: the financial planning process steps! Keep reading.

Steps in Financial Planning

Financial planning is an integral part of financial management. This activity requires a lot of study and research, before one goes about drawing a plan and implementing it. Not to miss an important point on this subject, risk assessment is an integral part of any planning. So let’s understand the key financial planning process steps. Below are the key steps to consider in your financial planning process.

Identifying Financial Needs
The primary responsibility in the financial planning is conducting a need analysis. An investor has a number of needs of which he needs to prioritize the important ones and plan accordingly. The important goals which are preset are, education of children, down payment of a house, health requirements, life insurance and retirement. Following these needs are the means to increase the wealth in terms of cash and property. Also a person needs to have concrete answers for the following questionnaire:

• What are your investment goals?
• How much money do you have for investments?
• Do you invest in stocks, bonds and mutual funds?
• Are your financial needs short term or are you headed for long term financial planning?
• What benefits are expected from your investments?

Gathering Financial Data
Now that you have identified the financial needs, the second step should be to consolidate your financial planning worksheet to understand your cash flow, investments and liabilities. This can consume a day to week’s time depending on your needs. Take the help of a financial planner who would help you out with this marathon. The documents needed for this process would include:

• Assets, Liabilities, tax deductions and tax returns
• Balance sheets
• Income and expenditure statements
• Employee benefit plan booklets
• Retirement planning documents
• Wills and trusts
• Insurance policies
• Investment statements
• Brokerage house statements
• Bank statements

Besides, the planner will also require some more data like:

• What is your retirement age?
• What income is anticipated post retirement?
• How would you want your property to be distributed?
• What is the current economy state and where is it headed towards?
• How much inflation can occur in near future?

The planner will also make a risk tolerance assessment of your personal attitude (aggressive, moderate or conservative) towards financial affairs and at the end of the data gathering process, he is bound to get a hang of what is your current financial state and what it will be or can be in near future.

Developing the Financial Plan
Here starts the actual work of your financial planner who has to devise effective means of developing a fool proof financial planning process. Steps to develop the financial plan start with the following:

• Documenting your plan to fulfill protection, health and retirement. Also wealth creation and preservation requirements are included.
• Explaining to you about the pros and cons of every rationale included in the plan (keeping in mind the risk appetite of the investor: you).
• Understanding the tax laws and the financial operative framework of the system.

Presenting the Financial Plan
Once the financial plan is well documented, your financial planner will proofread it and present it to you. In the first round of presentation, you have to study the documentation thoroughly, with your spouse. Take your time, and if you have doubts, jot them down in a list and pass them on to your planner. He will give you clear answers for all the doubts raised and then once you have agreed, the planner will make an implementation checklist. So the next mode of the financial planning is implementing the well documented financial plan into action.

Implementing the Financial Plan
This is a pivotal phase of the financial planning process steps. And also this period takes longer time (approx. 4-6 months) than the previous stages of the financial planning. During this phase, intricate details like tax planning, retirement planning, insurance concerns and estate/property planning are discussed thoroughly. To get a clearance on certain issues, attorneys may be involved for guiding and helping out with certain queries. Quite possible, that at the end of the implementation, your financial plan may have more than 20 recommendations (of which some may be major and strategic). So, it depends on you and your planner as to how you want these recommendations to be incorporated. But yes, your financial plan is now ready!

Monitoring the Financial Plan
Once the plan is on roll, it does not mean that the financial planner is required no more. He has to be retained to provide you with periodic updates on portfolio reviews, insurance updates, investment options, tax planning sessions and changing market conditions. Besides, you need to keep your ears open to the planner’s alerts on risks that can possibly crop up due to fluctuating economical conditions.

Hope this article on financial planning process steps was informative! So now, you might have understood the importance of financial planning and also you must have understood personal financial planning process steps! One could say, if the planning is complete, your job is halfway done! So, prepare your financial plans meticulously and reap the financial benefits. After all, every penny invested is every penny earned!

Get Children to Do Homework

Parents often feel it’s their job to get their kids to do well in school. Naturally, you might get anxious about this responsibility as a parent. You might also get nervous about your kids succeeding in life—and homework often becomes the focus of that concern. But when parents feel it’s their responsibility to get their kids to achieve, they now need something from their children—they need them to do their homework and be a success. I believe this need puts you in a powerless position as a parent because your child doesn’t have to give you what you want. The battle about homework actually becomes a battle over control. Your child starts fighting to have more control over the choices in his life, while you feel that your job as a parent is to be in control of things. So you both fight harder, and it turns into a war in your home.

Over the years, I’ve talked to many parents who are in the trenches with their kids, and I’ve seen firsthand that there are many creative ways kids rebel when it comes to school work. Your child might forget to do his homework, do his homework but not hand it in, do it sloppily or carelessly, or not study properly for his test. These are just a few ways that kids try to hold onto the little control they have. When this starts happening, parents feel more and more out of control, so they punish, nag, threaten, argue, throw up their hands or over-function for their kids by doing the work for them. Now the battle is in full swing: reactivity is heightened as anxiety is elevated—and homework gets lost in the shuffle.The hard truth is that you cannot make your children do anything, let alone homework. Instead, the idea is to set limits, respect their individual choices and help motivate them to motivate themselves.

You might be thinking to yourself, “You don’t know my child. I can’t motivate him to do anything.” But you can start todo it by calming down, slowing down, and simply observing. Observe the typical family dance steps and see if you and your mate contribute to your child’s refusal, struggle and apathy. If you carry more of the worry, fear, disappointments, and concern than your child does about his work, ask yourself “What’s wrong with this picture and how did this happen?” (Remember, as long as you carry their concerns, they don’t have to.)

Guide Your Child—Don’t Try to Control Him

Many parents tell me that their children are not motivated to do their work. I believe that children are motivated—they just may not be motivated the way you’d like them to be. Here are some concrete tips to help you guide them in their work without having to nag, threaten or fight with them.

Ask yourself what worked in the past: Think about a time when your child has gotten homework done well and with no hassles. What was different? What made it work that time? Ask your child about it and believe what he says. See what works and motivates him instead of what motivates you.

Stop the nightly fights. The way you can stop fighting with your kids over homework every night is to stop fighting with them tonight. Disengage from the dance. Choose some different steps or decide not to dance at all. Let homework stay where it belongs—between the teacher and the student. Refuse to get pulled in by the school in the future. Stay focused on your job, which is to help your child do his job.

Take a break: If you feel yourself getting reactive or frustrated, take a break from helping your child with homework. Your blood pressure on the rise is a no-win for everyone. Take five or ten minutes to calm down, and let your child do the same if you feel a storm brewing.

Set the necessary structures in place: Set limits around homework time. Here are a few possibilities that I’ve found to be effective with families:

• Homework is done at the same time each night.
• Homework is done in a public area of your house.
• If grades are failing or falling, take away screen time so your child can focus and have more time to concentrate on his work.
• Make it the rule that weekend activities don’t happen until work is completed. Homework comes first. As James Lehman says, “The weekend doesn’t begin until homework is done.”

Get out of your child’s “box” and stay in your own. When you start over-focusing on your child’s work, pause and think about your own goals. What are your life goals and what “homework” do you need to get done in order to achieve those goals? Model your own persistence and perseverance to your child.

Let Your Child Make His Own Choices—and Deal with the Consequences

I recommend that within the parameters you set around schoolwork, your child is free to make his own choices. You need to back off a bit as a parent, otherwise you won’t be helping him with his responsibilities. If you take too much control over the situation, it will backfire on you by turning into a power struggle. And believe me, you don’t want a power struggle over homework. I’ve seen many kids purposely do poorly just to show their parents “who’s in charge.” I’ve also seen children who complied to ease their parents’ anxiety, but these same kids never learned to think and make choices for themselves.

I’m a big believer in natural consequences when it comes to schoolwork. Within the structure you set up, your child has some choices. He can choose to do his homework or not, and do it well and with effort or not. The logical consequences will come from the choices he makes—if he doesn’t choose to get work done, his grades will drop.

When that happens, you can ask him questions that aren’t loaded, like,

“Are you satisfied with how things are going?

“If not, what do you want to do about it?”

“How can I be helpful to you?”

The expectation is that homework is done to the best of your child’s ability. When he stops making an effort and you see his grades drop, that’s when you invite yourself in. You can say, “Now it’s my job to help you do your job better. I’m going to help you set up a plan to help yourself and I will check in to make sure you’re following it.” Set up a plan with your child’s input in order to get him back on his feet. For example, the new rules might be that homework must be done in a public place in your home until he gets his grades back up. You and your child might meet with the teacher to discuss disciplinary actions should his grades continue to drop. In other words, you will help your child get back on track by putting a concrete plan in place. Anfad when you see this change, then you can step back out of it. But before that, your child is going to sit in a public space and you’re going to work on his math or history together. You’re also checking in more. Depending on the age of your child, you’re making sure that things are checked off before he goes out. You’re adding a half hour of review time for his subjects every day. And then each day after school, he’s checking with his teacher or going for some extra help. Remember, this plan is not a punishment—it’s a practical way of helping your child to do his best.

When Kids Say They Don’t Care about Bad Grades

Many parents will say that their kids just don’t care about their grades. My guess is that somewhere inside, they do care. “I don’t care” also becomes part of a power struggle. In other words, your child is saying, “I’m not going to care because you can’t make me; you don’t own my life.” The truth is, you can’t make him care. Instead, focus on what helps his behavior improve. Don’t focus on the attitude as much as what he’s actually doing.

I think it’s also important to understand that caring and motivation come from ownership. You can help your child be motivated by allowing him to own his life more. So let him own his disappointment over his grades. Don’t feel it more than he does. Let him choose what he will do or not do about his homework and face the consequences of those choices. Now he will begin to feel ownership, which may lead to caring. Let him figure out what motivates him, not have him motivated by fear of you. Help guide him but don’t prevent him from feeling the real life consequences of bad choices like not doing his work. Think of it this way: It’s better for your child to learn from those consequences at age ten by failing in school and having to go to summer school than for him to learn at age 25 by losing his job.

When Your Child Has a Learning Disability

I want to note that it’s very important that you check to see that there are no other learning issues around your child’s refusal to do homework. If he is having a difficult time doing the work or is performing below grade level expectations, he should be tested to rule out any learning disabilities or other concerns.

If there is a learning disability, your child may need more help. For example, some kids need a little more guidance; you may need to sit near your child and help a little more. You can still put structures into place depending on who your child is. Oftentimes kids with learning disabilities get way too much help and fall into the “learned helplessness” trap. Be sure you’re not over-functioning for your learning disabled child by doing his work for him or filling in answers when he is capable of thinking through them himself.

The Difference between Guidance and Over-Functioning

Your child needs guidance from you, but understand that guidance does not mean doing his spelling homework for him. Rather, it’s helping him review his words. When you cross the line into over-functioning, you are taking on your child’s work and putting his responsibilities on your shoulders. So you want to guide him by helping him edit his book report himself, helping him take the time to review before a test, or using James Lehman’s “Hurdle Help” to start him on his homework. Those can be good ways of guiding your child, but anything more than that is taking too much ownership of his work.

If your child asks for help, you can coach him. Suggest he talk to his teacher on how to be a good student, and teach him those communication skills. In other words, show him how to help himself. So you should not back off all together—it’s that middle ground that you’re looking for. That’s why I think it’s important to set up a structure; just put that electric fence around homework time. And within that structure, you expect your child to do what he has to do to be a good student.

I also tell parents to start from a place of believing in their children. Don’t keep looking at your child as a fragile creature who can’t do the work. I think we often come to the table with fear and doubt; we think if we don’t help our kids, they’re just not going to do it. But as much as you say, “I’m just trying to help you,” what your child actually hears is, “You’re a failure.” There’s an underlying message that kids pick up that is very different than what the parents intended it to be. And that message is, “You’re never enough,” and “You can’t do it.” Instead, your message should be, “I know you can do it. And I believe in you enough to let you make your own choices and deal with the consequences.”