Saturday, June 30, 2012

Canadian Oil Stocks

Thinking of investing in oil stocks? Instead of investing in familiar names or oil stocks from Middle East companies, consider investing in Canadian oil stocks.

Canadian oil and gas stocks offer several different ways to invest in this market. You can invest either in oil mutual fund, income trusts or through individual stocks. We will look at each of those in this article.

Stocks

First, why invest in oil from Canada? Considering we get most of our crude oil from Canada, doesn't it make sense to invest in our own backyard?

Canadian Oil Stocks

You have seen oil companies nationalized by other countries without warning. You have also seen where a dictator has kicked an oil company out of the country. Canada provides a better environment for an investor. You have never seen, or probably ever see something like that happen there.

How to Invest in Canadian oil and gas stocks

There are many ways to get involved in Canadian gas stocks. One way would be to seek out mutual funds that invest in oil stocks from Canada. This will give you a diverse portfolio of stocks for your energy investments.

If you are seeking monthly or quarterly income, you should look into Canadian oil trusts. These are oil and gas stocks that are set up as trusts and pass along most of their income to share holders. Dividend yields can be quite high on these funds. I have seen yields over 14% in some cases. When selecting an oil trust, just don't reach for the highest yielding fund. Investigate to see why it is able to pay such a high dividend. Is it sustainable? You will be able to find several funds that yield in the 3%-6% range.

You could also trade individual oil companies. There are several that trade on the Toronto Exchange and also on the NYSE. A few of the larger oil companies you could look at are Crescent Point Energy, Imperial Oil and one of the better known ones here in the states is Suncor.

If you're looking to add to your energy portfolio, take a look at Canadian oil stocks.

Canadian Oil Stocks

Canadian oil stocks offer you a way to diversify your portfolio. There can be great opportunities in Canadian oil stocks. They offer great potential and income.

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Thursday, June 28, 2012

High Risk, Moderate Risk and Low Risk Investments

For those looking to invest, you should know that many investments can be categorized as being high risk, moderate risk and low risk. Investing is not difficult, but you should always put lots of thought and planning into it. It is also extremely important to educate yourself about the many different investments available to you so you can find those that fit best with your specific situation and lifestyle. Here are some tips regarding the three categories of investing.

Low Risk Investments

Stocks

While low risk investments are usually very low key and rarely are extremely glitzy or publicized, they do offer conservative investors a way to save money for the short or long term without the risk involved that you find in other forms of investing. Low risk investments usually pay the lowest yields, but are far less volatile than many other types of investments. Low risk investments include money market funds, certificate of deposits and some types of bonds. Low risk investments are perfect for those that want to make sure there money remains safe and secure. While low risk investments don't offer high returns, they do offer stability and security for those that can't afford to lose money or would just like to avoid as much risk as possible. Expect low risk investments to pay out yields of 1% to 5% annually.

High Risk, Moderate Risk and Low Risk Investments

Moderate Risk Investments

Moderate risk investments are perfect for those that are interested in investing for the long term and would like to earn moderate yields. Moderate risk investments are usually certain kinds of stocks, bonds and mutual funds that pay handsomely over the long term. While generally riskier than saving money in a bank, for those that are looking to invest for the long term, historically speaking you will grow your money quite nicely. Moderate risk investments usually use the power of compound interest and time to create a nest egg from 10 to 40 years with regular savings. For instance, saving 1K per year at an interest rate of 10% for 30 years can return close to 200K. Moderate risk investments usually return yields of 5% to 12%.

High Risk Investments

High risk investments are those investments that if you are lucky can return huge yields, however the downturn is that they can be extremely volatile and in many cases instead of getting rich off your investment, you find yourself losing some or all of it. High risk investments include penny stocks, international stocks, some types of Forex trades, etc. The sky is the limit for returns, but many high risk investments- if considered a winner should return yields that range from 10% to 30%++.

High Risk, Moderate Risk and Low Risk Investments

Connie Barker is the owner of several financial websites dealing with bad credit [http://www.badcreditloandirect.com], online loans, and investing.

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Monday, June 25, 2012

How Does the Stock Market Work? A Guide For Beginners

If you are a beginner, you are probably wondering how does the stock market work? The answer is surprisingly simple: Companies go public and offer shares in their company to the public. The public buys the shares through what we know as the stock exchange. Investors can then use the stock exchange to buy and sell the stocks of the companies. Buying low and selling high can make people rich overnight. Of course you have to know what you are doing, and there are many factors involved. To gain a deeper understanding of how the stock market works, why don't we discuss a few of the most common terms.

Stock Prices: Stock prices are, to make it simple, the price that a specific stock sells for. This price is set by many market factors including the economy health, current trading trends, and technical and financial reports put out by the company (or independent third party).

Stocks

Market Captialization: This is the actual value of the company or stock that is up for sale. Calculating the market capitalization of a stock is done by using the following formula -

How Does the Stock Market Work? A Guide For Beginners

Number of Outstanding Shares X Price of Stock = Market Capitalization of the Company

Once you have learned the basic premise of the stock exchange, you will want to learn how to buy and sell shares. To purchase stock you will need to create some type of investment account. Most times you can open up an account with a local stock broker. Thanks to the wonder of the internet, you can now make trades online on your own. It is as simple as setting up an account and funding it.

Hopefully now you have the answer to your question, how does the stock market work. The next step will be to learn how to successfully profit from trading. Good luck!

How Does the Stock Market Work? A Guide For Beginners

The Doubling Stock Robot is said to be the most sophisticated stock analyzing computer in existence, and has made it's members a literal fortune. Is the Doubling Stock Robot for real or a scam? Learn more here.

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Friday, June 22, 2012

Royal Bank of Canada Online Banking

Canada is well- known to be one of the world's leading countries when it comes to the bank and finance industries. This sector in Canada plays an important role in their economy and likewise also upsurges some of the other countries' economies. Canadian banks continue to upsurge though the world economic situation is coming to its worst. These banks can still mange to operate the industry despite an aloof economy. This enlightening move is brought about by the rapid advancement of technology. The Internet comes hand in hand with these banks in creating a shield to battle out the financial stance.

One of Canada's finest is the Royal Bank of Canada. Their online system has emerged from a widespread competition with other giant banking institutions. Creating an edge and has been brilliantly initiated the online banking systems which enable investors to do transactions over the internet. And adding up to this great feature, the online banking offers interest rates which are highly competitive and more likely amenable to consumers. This is one strategythey to uphold their investors. They do not look on the darker side of the current financial situation. Rather, they pursue to amplify the demands of consumers to keep the banking business running in shape.

Stocks

The Royal Bank of Canada online banking has established its won website where clients and investors can make deals. This system has proven a cost effective approach to banking. They continue to invest and allot supplemental budget for technological advancements for their online banking feature. This enables and encourages more and more customers to engage in online banking considering the convenience and secured way of saving money. Responding to the infinite demands of customers who have experienced the convenience of online banking, by constantly updating clients and upgrades its systems accordingly. Due to the heightened competition even on online banking business, the Royal Bank of Canada online banking has a sturdy financial structure.

Royal Bank of Canada Online Banking

Banking online is taking a big leap in the industry of finance and banking along side with the up surging technological developments mainly the Internet. Not only that the Royal Bank of Canada offers high interest rates specifically for the "rainy days," the bank also offers different bank accounts which you feel you can seek help from to when the economic hurricane hits you. The online banking system of Royal Bank of Canada also has customer service representatives which are always available online for inquiries, suggestions and support.

With such a system, one will be able to monitor his or her accounts closely even during the unlikeliest time of the day. The Royal Canada online is taking one step closer to invading the international scene with its branches extending strategically over the continents of Europe and Asia and even the United States. The Royal Bank of Canada's system truly represents a confidant's shoulder in times of financial instability.

Royal Bank of Canada Online Banking

For more advice and tips with your finances visit my Frugal Living Blog Today, where you'll find tons of help and advice including How To Simplify Your Life and much more.

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Tuesday, June 19, 2012

How to Buy Stocks Direct Without a Broker

A lot of people without doubt believe that they have got to have a broker in order to invest in stock. Although it could be true some time ago, it is not nowadays. Investors are able now buy stock direct without having to go through the broker saving a lot of time, money, and in some cases disappointment. Certainly, there are always going to be advantages to going through a qualified stockbroker but the benefits of doing it on your own are far greater.

To buy stocks without a broker can be a very good thing to do as you know that you are fully in charge for the accomplishment that comes your way. And because so A lot of companies are nowadays setting things up to where investors are able tap straightforwardly into stock possession plans, a lot of people are beginning to find out the benefit of going that way. Once you make up your mind to buy stocks directly, you could be able to even discover your way around having to pay for the normal initial deposit that is commonly required. In some situations, companies will be more than pleased to give up that fee if you are willing to sign up for automatic withdrawals.

Stocks

At this point that you are ready to leap right in and begin, you could soon realize that there are a number of companies out there that do not offer a strategy for straightforward stock purchase. If you discover this to be the situation with a company that you are interested in, then you might need to see if they at least have a dividend reinvestment plan or DRIP. You will really like to learn a lot about the company ahead of going this way in order to be certain that you are investing your money wisely. There are occasionally hidden fees and if you are not looking for them you will become hit with them before you know it.

How to Buy Stocks Direct Without a Broker

You also need to know that in order to obtain into a dividend reinvestment plan you have to already own some stock. With the DPP, or direct purchase plan, allows you to be a first time purchaser, which is the boat a lot of people discover themselves in. No matter what you get into though, you need to make certain that you have looked over all of your possibilities and read all of the fine print before you buy stocks directly. There is nothing worse than jumping in head first without all of the proper information to back you.

This is your hard-earned money at stake and it is definitely not worth the chance of losing it all simply before you did not do your research initially. Even though you aspire to get to the point of buying stocks without a stockbroker, it is of great consequence that you seek a little guidance first when trying to gain knowledge of what is what. Ultimately, you will be glad that you did your homework, as you will find out that it pays off where it counts when it comes to stock, in the pocket book.

How to Buy Stocks Direct Without a Broker

To learn more about buying stocks without a broker visit: Buying Stock Direct.

If you are new to stocks trading go to: Stock Market Trading.

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Saturday, June 16, 2012

Trade Deep in the Money Calls to Generate Monthly Income

Trading deep in the money calls offers investors a way to take advantage of the subtle movements in a stocks price by capitalizing on the volatility of the option. Purchasing a call option on a security gives you the right, but not the obligation to purchase shares of the underlying security on or before the expiration date for the contracts strike price. While purchasing the stock is a choice you can choose to make, the concept of deep in the money calls trading is to purchase the options contracts and then sell them for a profit prior to the expiration date.

Here are the steps required to trade deep in the money calls that will allow you to generate monthly income.

Stocks

Identify Stock - Use a stock screening tool to identify a list of stocks to monitor. When a stock on your list gets beaten down by macro conditions, it is important to take advantage by purchasing calls. Select Call Contracts - When a high quality stock gets beaten down, you should have identified call contracts that have an expiration date three to six months in the future. Also look for call contracts on the underlying security that are well below the current share price. Deep in the money calls are useful because you are well below the strike price. Monitor Contracts - Once you have purchased your deep in the money calls, be patient and wait for an opportunity to sell them at a profit. Be sure to have an exit strategy in case the stock continues to trend downward to limit your loss. Sell Contracts - Once your stock and corresponding deep in the money calls have risen above a certain percentage that you have defined - put in a sell to close order to make your profit.The steps noted above are very high level. Trading call options are very dynamic and can allow you the financial freedom that can change your life.

Trade Deep in the Money Calls to Generate Monthly Income
Trade Deep in the Money Calls to Generate Monthly Income

Proper planning and education is the key to making money using a deep in the money calls option trading strategy. Remember that every trade will not be profitable and you must teach yourself when to get out of a particular options contract. Likewise, it is also important to set goals and understand when you should take profits on your winners.

Too many times investors get greedy and don't know when to take profits. Often times they miss out on a profit because of this and must settle for little to no gains. In order to implement a successful deep in the money calls trading strategy, you must know when to sell for a profit and sell for a loss. Anything else will surely hurt your chances to make any money from your investments.

While investors can make an educated guess on when to sell for a profit and sell for a loss at the correct times, using technical charts and software can help you take your educated guess and make a confident decision.

For additional information on Options Trading advice, check out - Option Income System for more details.

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Wednesday, June 13, 2012

Cheap Personal Checks With Free Shipping


Do you want to know where and how to purchase cheap personal checks with free shipping? If you are interested to purchase checks, there are online companies which sell cheap personal checks. With the help of your trusted and friend World Wide Web, gaining discounts and special offers on purchasing checks with free shipping is not difficult compared to before. To be able to purchase cheap personal checks with free shipping, it all starts with checking and browsing through a search engine. You may opt to search your search engine for websites or online companies which sell with free shipping.

May it be business checks, personal checks, or customized checks, certain websites provide promos and discounts for buyers who are quite strict on their cash. Cheap personal checks with free shipping are now made available by certain companies. Individuals who may be short on cash can now save some of it since it can be an option to buy checks with free shipping. People and consumers are now more financially conscious nowadays. They are very much concerned in saving their money whenever they purchase things. Fortunately, in buying checks with free shipping consumers can save money and at the same time have a shot in saving time as well. Instead of making arrangements for the shipment of the checks they have bought, online check selling companies can do the shipping arrangements for them.

Stocks

With the current problems and difficulties brought by certain economic challenges, people torn between deciding between quality and quantity. Most consumers would have these questions at the back of their minds, "Should I buy personal checks of good quality which are more expensive?" or "Should I buy checks of average quality but are cheap due to promos?". Why ask these questions if you can have both. Since cheap personal checks are now available in the online market, you would not have to think about quality and quantity. It's like hitting two birds with one stone.
Cheap Personal Checks With Free Shipping
Cheap Personal Checks With Free Shipping
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Sunday, June 10, 2012

Textile & Apparel Industry in Turkey

Market Overview

Textile and Apparel industry has a great contribution to the Turkish economy. The industry has been denominated as the locomotive of the Turkish Economy for years. Turkey's textile and apparel exports continued rising recently after began falling in January, with elimination of EU and US quotas.

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The industrialisation efforts of the 60's and 70's gave birth to the modern textile industry in Turkey. At the beginning, this sector was operating as small workshops. But the sector showed rapid development and during the 1970's began exporting. Today, Turkey is one of the important textile and clothing producers and exporters in the world.

Textile & Apparel Industry in Turkey

Turkey's textile and clothing manufacturers began relocating production in Eastern Europe and Central Asia. In the last three years, Turkish textile and apparel companies faced raising difficulties, after having substantially succeeded in the eighties and the first part of the nineties.

Chinese textile exports after a decades-old quota system limits ends on January 1, 2005 and the World Trade Organization believes that within three years the Asian giant could be producing over half of the world s textiles, up from 17% in 2003.

The end of the quota regime has spawned fears of widespread job losses around the world, including in Turkey, whose own textiles and apparel exports stand at around billion a year.

Thus, it is necessary to understand the Turkish textile and apparel sector, the weakness and the strength it has in the World market.

Current scenario of Textiles and Apparels in Turkey

The textile and apparel sector has been the backbone of the Turkish economy with a vital role to play in the industrialisation process and market orientation of the economy in the last two decades. In the 1980s, it was the leading sector related to the global economy and the export revenues of this hard currency earning sector contributed substantially to the overall economy. The textile sector continued to be one of the major contributors to the Turkish economy, being one of the fastest growing sectors in the 1990s with an average 12.2% annual growth, while the Turkish economy had an average growth of 5.2% per year. Total investment in the sector exceeded US$ 150 billion, of which more than US$ 50 billion was invested in the last 5-10 years.

Textile industry started out in the 1960s in small workshops, have rapidly developed and transformed Turkey into a global competitor.

The total number of firms in the sector, dominated (95%) by the private sector, number around 44,000 and 25% of them are active exporters. The apparel industry is constituted mainly (80%) of small and medium sized firms whereas the technology-intensive textile production has been undertaken by large-scale companies. Today, around 20% of Turkey's 500 largest companies are involved in the textiles and apparel sector.

Low labor costs, a qualified workforce, relatively cheap raw materials have played an important role in the significant growth of the sector; as well as a liberalized economic environment and export-led policies in the last two decades.

The production value of the sector is over US$ 20 billion. Employment in the sector is estimated to be about 4 million people (2.5 million employed directly and a further 1.5 million indirectly through the sub-sectors). Official statistics also reveals that around 500,000 employees in the sector due to unregistered labor force.

The apparel sector exports approximately 60% of its production. Capacity utilization rates are approximately 75% especially among exporting manufacturers.

Turkey ranks also among the top ten global producers of wool cloth, carpets, synthetic filament and fiber, polyester and polyamide filament. While Europe's 3rd largest polyester producer is a Turkish-US joint venture, Turkey's synthetics production mounts to 15% of Western Europe's capacity.

Economic Contribution

Textile and clothing industry has a great contribution to the Turkish economy. For example, textile and clothing industry accounts for:

. 10% in GNP

. 40 % in industrial production

. 30% manufacturing labor force

. 35% of exports earning

The textile and apparel sector contributes over 20 billion USD to the Gross National Product. The sector is mostly important for its export earnings; its share in the country's total exports has been between 33-39% since 1990.

The major export market for Turkish textile and apparel goods is the EU countries, which account for about 65% of total textile and apparel exports. Turkey ranks 2nd in apparel and textile imports to the EU having an 8.2% and 4.8% share in the EU's total textile and apparel imports respectively as of 2003.

Export scenario

Textile and apparel exports increased by 14.6% on average per year during 1980-2003. Especially until the second half of 1990s, the sector's exports increased at a rate above the increase in total exports of Turkey as well as the increase in global textile and apparel exports. In 2003, the sector's exports totaled US$ 15.1 billion, having a share of 32.6% of the total exports. Exports rose to 23% in 2003, terms of value to 2002. The increasing share of apparels in exports since 1986 signifies the efforts to produce more value added products.

After the EU, the USA is a big and impending market. Turkey is the 19th apparel supplier and ninth textile supplier of USA with a 1.9% and 2.9% share respectively. Beside the EU and the US market, new markets are North African countries namely, Tunisia, Egypt and Algeria; Middle East countries namely Syria, Israel and Saudi Arabia; Eastern European countries namely Romania, Bulgaria, Poland and Hungary; and CIS countries. The sector faces quotas only in the USA and Canada. The Russian Federation was also a big market for the Turkish textile and apparel sector till the financial crisis of August 1998. It was the 3rd biggest market for apparel and 9th for textile products in 1997. Russia is still a promising market for textile and apparel sectors with its high consumption potential that will come out in the following years especially after developments towards better integration to the world economy and WTO membership prospects.

Cotton market

Turkey is a very important cotton country, which is an advantage in raw materials, for the clothing industry. Turkey is a traditional cotton producer and uses this advantage in the textile and apparel sector. Turkey ranks 1st in Europe and 6th in the world cotton production with an average production of 800,000-900,000 tons per
year. Moreover, with the completion of irrigation projects within Southeastern Anatolian Project (GAP), Turkey's most comprehensive development program, current cotton production is expected to double by the year 2005.

During 2003-04 season Turkey produced 893,000 tons of cotton. About 30% of the cotton production is high quality long staple cotton and the rest is of medium quality. The cotton industry provides a competitive edge to the textiles industry, which utilizes cotton as its essential raw material.

Cotton Market Trends
Main destinations for cotton yarn exports are Italy, Portugal, Greece and Belgium and for cotton fabric the UK, Italy, USA and Belgium. Whilst Turkey used to be a net exporter of cotton, the trade balance reversed in 1992 and since then Turkey has been a net importer of cotton since domestic demand has persistently exceeded available stocks. Beside cotton, Turkey has a strong standing in synthetic fiber, wool and mohair productions. Turkey ranks ninth in synthetic fiber, eighth in wool and third in mohair production in the world.

Home Textile Industry

Besides the Turkish textile industry Turkish home textile industry has also shown a growth in terms of production and exports. In recent years the production of home textiles has shown a stable increase due to the rise in domestic and external demand for home textiles. Turkish home textile industry has recorded growth in terms of production and exports in recent years. Almost all kinds of home textiles are produced in Turkey. These may be listed as follows in order of their export values: bed linens, bedspreads, table linens, towels, bathrobes, voiles, curtains, lace, interior blinds, curtain or bed valances, blankets, cushions, pillows, quilts, eiderdowns.

In home textile sector, besides large scale firms there are many small and medium sized firms scattered all around the country. As a division of the textile industry, the home textiles sector accounts for 3.2% share in Turkey's total exports and have been an important sub-sector for the Turkish economy. European countries are the most important markets for Turkey s home textile exports. At present Germany, the UK, France, the USA, Netherlands and Russian Federation are the major markets for Turkey s home textile exports. New markets such as Poland, Hungary, Romania and CIS countries are gaining more and more importance.

Foreign Investments in the Sector

The products of the Turkish textile and apparel sector have a good reputation in foreign markets as a result of the availability of high quality cotton in Turkey, wide usage of CAD (Computer Aided Design) and CAM (Computer Aided Manufacturing) and the increase in the number of qualified personnel.

Conclusion

The sector is aware of the trend in international markets towards increasing demand for healthier and more environmentally friendly products and tries to adapt itself to these developments by legal and technical regulations.

Nevertheless, it is hard to keep its competitive position in the world market full of emerging players. Thus, manufacturers have shifted their operations to value-added products and creation of brand names. Currently, 30% of Turkish manufacturers have their own designs and brands in international markets.

As current studies reveal, developed countries will have a decreasing share in global textile production while the developing countries will increase their manufacturing capacity to meet the increasing demands. It is also estimated that by 2005, the developing countries will increase their self-sufficiency in textile production. The US with an estimate of 200% increase in textile consumption is also estimated to have a 32% decrease in self-sufficiency by the year 2005.

Turkey, with its adaptability to European standards and regulations related to environment, health, quality, and safety is aiming to move into the production of more and more value added products, into an era in which the Turkish textile industry will be known for its quality trademarks and will be pricing a product for the Made in Turkey sign.

Textile & Apparel Industry in Turkey

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Friday, June 8, 2012

Three Fun Ideas for Teaching Grammar to TEFL Learners

Grammar. The very mention of the word strikes fear into the heart of the staunchest language learner. Many English EFL and ESL teachers also feel the pit of their stomach churn at the thought of preparing and giving a grammar lesson. But what are we to do? If lexis and vocabulary are the building blocks of language, then certainly grammar is the mortar or structure that holds them together. Teaching it and learning it are therefore inescapable. The only thing to do then is to make it as interesting, pleasant or at least as painless as possible. Here are some ideas to help you do just that.

1. Use Grammar Games

Stocks

Both learners and teachers alike love to use games in the English EFL ESL classroom. So, make extensive use of games to teach and reinforce critical grammar points. What, you say you don't know any grammar games? Or perhaps you'll quip that you don't have a good stock of them so you can't count on regularly employing them for use in your classes? Au contraire! They abound on English teacher websites, commercial publications and in the minds and hearts of your colleagues worldwide. If you have a good game to share, post it on an ELT forum or TEFL materials / activities website. Create your own based on popular games you're familiar with. Use pursuit and turn-taking games, card games, board games or TPR-based games to get maximum involvement of your learners. Actually, you should get in there too. Don't be a lazy butt.

Three Fun Ideas for Teaching Grammar to TEFL Learners

2. Use movie and video clips

"Go ahead, make my day." Now who was it exactly that first said that? Yes, yes I'm sure you know. Now change it to other verb tenses. Change it to a question. Change it into different question forms. Make it imperative. You get the idea.

"I'll make him an offer he can't refuse." If you don't know the initial speaker of that line, three slaps with a wet noodle for you. What verb tense is there? Now change it into different forms.

Watch a three to seven minute clip from a movie scene or video. Write down what grammar forms you hear. Then have the class do it. Does everyone agree? No? What are the different forms they come up with? What's correct? Go back, watch the clip again and check. Do it until you're satisfied.

3. Use Audio-only Segments

Now it's getting tougher. Listen to an audio clip. A commercial, story, dialogue or news segment. From where? The radio, cassettes, TV, CDs / DVDs, etc. Note the grammar points used. Can you change any of them? How? Why? What does the change do to the meaning? Does it become formal or informal? Imperative? Humorous? Don't forget to have the learners practice and deliver these short dialogues aloud. (Everybody wants to be Dirty Harry or the Godfather) My learners like scenes from "Matrix" and "Frantic" with Harrison Ford. James Bond film scenes rate highly with my learners too. The ladies like to be Julia Roberts or Demi Moore from almost any of their flics. Angela Bassett and Sigourney Weaver frequently portray "strong women" with good dialogue strings and soliloquies which give the female learners character choices. It works for me and it definitely works for them.

Try it out for yourself. You'll see. Just remember to pick an interesting clip that's not too long. It must have snappy dialogue either between two characters or a quippy comeback on the part of one of them. You could even have the learners suggest some clips, programs and / or scenes to use.

So Bunky, don't let the term "grammar" strike fear into the hearts of your learners (or you) ever again. Work up some grammar - teaching activities using these techniques and grammar could become your - and their - favorite lesson type. If you have questions, would like additional suggestions or guidance, please feel free to contact me at: lynchlarrym@gmail.com

Three Fun Ideas for Teaching Grammar to TEFL Learners

Prof. Larry M. Lynch is an English language teaching and learning expert author and university professor in Cali, Colombia. Now YOU too can live your dreams in paradise, find romance, high adventure and get paid while travelling for free.

For more information on entering or advancing in the fascinating field of teaching English as a Foreign or Second Language send for his no-cost PDF Ebook, "If You Want to Teach English Abroad, Here's What You Need to Know", immediate delivery details and no-obligation information are available online now at: http://bettereflteacher.blogspot.com/

Need professional, original content or articles for your blog, newsletter or website? Have a question, request, or want to receive more information or to be added to his articles and teaching materials mailing list? Then contact the author at this website for a prompt response.

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Monday, June 4, 2012

Ten Tips For Beating Depression

I heard about a woman who was suffering from depression, so her concerned husband took her to a psychiatrist. The doctor listened to the couple talk about their relationship, and then he said, "The treatment I prescribe is really quite simple." With that, he went over to the man's wife, gathered her up in his arms, and gave her a big kiss. He then stepped back and looked at the woman's glowing face and broad smile. Turning to the woman's husband, he said, "See! That's all she needs to put new life back into her." Expressionless, the husband said, "If you say so, Doc, I can bring her in on Tuesdays and Thursdays."

Okay, that's not how to treat depression, but I have a few other suggestions that make more sense. As a result of trial and error, over the course of thirty years, I've found ten blues battling strategies that often help me. These are not quick fixes, and this list is not exhaustive. It is also not a "must do" list.

Stocks

When you're depressed, the last thing you need is a list of expectations to live up to. Don't stress about forcing yourself to accomplish all these things. They're not items to be checked off a list each day. The only one that is crucial is number one. After that, you can experiment with the others as you feel able to.

Ten Tips For Beating Depression

1) Get the Facts and Get Help.

Web sites and books on depression abound. Find them and do some research. You need to know what you're dealing with. Learn all you can about depression, so you can make educated decisions about your own health, learn how others cope, and find what medical treatment is available. Many books have self tests to help you determine whether you are experiencing clinical depression or temporary sadness in reaction to an event. In addition to reading everything you can get your hands on, one of the most important things you can do for yourself is seek medical help right away. Depression is much too complicated for you to solve on your own. Clinical depression is a serious medical condition that is very complicated to treat. Often it is a physical problem that requires long term medication. In my own experience, it's taken years of medication, counseling, and practicing various self help methods to slowly emerge from it, and it's still a daily battle.

Many people suffer needlessly from depression because they won't consult a doctor. If you're waiting for God to heal you, consider this: God gives scientists intelligence, which they often use to create helpful medicines; and He gives doctors wisdom to treat illnesses. Wise doctors and modern medicines are gifts from God and vehicles through which He often heals. Doctors can help you determine whether what you feel is truly depression, or if you are just reacting normally to a sad life situation.

If you've experienced depression, you already know it is not an illness you can "snap out of," no matter what others may tell you. It's not something to be ashamed of either. Depression can be a serious physical illness caused by an imbalance of brain chemicals or other factors. Like any serious medical condition, depression needs to be treated. Without the proper treatment, none of my suggested coping strategies will do any good.

2) Get Focused.

Feelings of hopelessness and helplessness pervade the life of a depressed person. The opposite of depression is a hopeful attitude. Focusing on hope and developing a hopeful heart is a must. It can be accomplished in a couple ways. One way is to search the Bible for the numerous Scriptures that tell how God has helped those who felt hopeless. It's helpful to memorize verses like these: Hebrews 4:15 (For we do not have a high priest who is unable to sympathize with our weaknesses, but we have one who has been tempted in every way, just as we are--yet was without sin.); 2 Corinthians 4:8 & 9 (All-surpassing power is from God and not from us. We are hard pressed on every side, but not crushed; perplexed, but not in despair; persecuted, but not abandoned; struck down, but not destroyed.); Matthew 6:34 (Therefore do not worry about tomorrow, for tomorrow will worry about itself. Each day has enough trouble of its own.); Isaiah 41:10 (Do not fear, for I am with you; do not be dismayed, for I am your God. I will strengthen you and help you; I will uphold you with my righteous right hand.); and John 14:27 (Peace I leave with you; my peace I give you. I do not give to you as the world gives. Do not let your hearts be troubled and do not be afraid.).

The story of Job and the book of Psalms are the most worn pages in my Bible. While at my lowest, I've read and re-read them more times than I can count. My fridge and the mirrors in my house are covered with sticky notes reminding me of how God intervenes in the lives of His people.

Another way to focus on hope is by practicing positive self talk. This simply means telling yourself good things. I made a list for myself of positive affirmations like "God cares and understands my pain. God values me. God is giving me strength. I am made in God's image. I can choose my attitude. I choose not to put myself down. I'm a worthwhile person. I have a purpose. I enjoy life. I choose to be happy and I am competent." If you struggle with depression, I think you'll find it helpful to write down as many of these affirmations as you can think of and read them every day. Even if they're not currently true or you don't really believe them, it's okay. Say them to yourself anyway. Your mind will come to believe what you tell it, so tell it you are already the type of person you want to become. Be sure to remind yourself often that God is with you and He is pouring his strength on you. "Why are you cast down, O my soul? And why are you disquieted within me? Hope in God, for I shall yet praise Him For the help of His countenance. ...For You are the God of my strength..." (Psalm 42:5 and 43:2 NKJV)

2 Corinthians 4:18 says we need to "fix our eyes not on what is seen, but on what is unseen. For what is seen is temporary, but what is unseen is eternal." Focusing on positive, heavenly things rather than earthly things will keep the feelings of hopelessness at bay.

3) Get Friendly.

Fellowship with other people is a mood lifter. Being alone is the worst thing you can do when you're depressed. Unfortunately, it's usually the very thing I want most. Depression grows best in isolation. I find it very difficult to get out and socialize when I'm depressed, but if I push myself to do it, I'm almost always glad later. Some ideas for socializing include joining a club, taking a class, inviting someone to meet you for lunch, or visiting a nursing home to chat with the residents there. It especially helps me to be with friends who enjoy the same hobbies I do. Shopping, watching movies, and rubber stamping are some of the things I enjoy doing alone, but they're twice as much fun when I do them with friends.

4) Get Giggling.

I collect cartoons and funny newspaper columns. I visit humor web sites online, watch funny movies, and read funny books. Best of all is laughing with friends. One of the reasons I enjoy my grandson so much is because he makes me laugh. I can act goofy with him and let go of my inhibitions. We dance and sing and make up silly rhymes. I have photographs of us wearing funny glasses with big black mustaches. I laugh every time I look at those. Laughing affects brain chemicals. It releases endorphins, which make you feel good. Chocolate does the same thing, but a good laugh is less fattening.

A friend of mine, who had a very frustrating job, told me that one day she was inspired by someone who had a huge, bright smile. She decided to emulate that woman and smile at everyone she encountered. Right away, she realized that smiling was addictive. It seemed to make the time pass more quickly and she found herself less frustrated and more at peace. She told me, "It sounds corny, but it really works!"

Paul wrote, "Rejoice in the Lord always. Again I will say rejoice!" (Philippians 4:4 NKJV) I've heard that a person can act her way into feeling better. Act happy, act glad, and it helps you to feel happy and glad. Paul exhibited this truth in his own life. Acts 16 tells how Paul and Silas were attacked, beaten, locked in stocks, and thrown into solitary confinement. Yet, at midnight, what were they doing? Feeling sorry for themselves? Asking God, "Why?" Moaning and complaining like I do? No, they were singing! Sure they were suffering, but they knew they were children of God. Paul may have even been remembering his personal encounter with Jesus on the road to Damascus. (Acts 22:10) They were praising God because they had been rescued from their sins, filled by the Holy Spirit, and added to God's family. No jailer could take that away. That was worth being grateful for, no matter what else happened to them. Even if they were to be killed, it would only send them to heaven. So why should they fear? That's some awesome faith, isn't it?

5) Get Rhythm.

When I feel a case of the gloomies descending, that is not the time to play melancholy music. Positive upbeat tunes are in order -- the sort of music you might hear at a parade or a circus. Music gets your toes tapping and your blood flowing. It makes you want to sing. Singing and dancing sends a message to your brain that you're happy. Your brain is an actualizer. Whatever it "thinks" is true, it works to bring about. This is why positive thinking works. You tell yourself, "I'm happy" often enough and your brain accepts it as fact. It actualizes that truth, making it happen. I've found that when depression takes hold of me, I tend to ruminate on negative thoughts. Listening to good, Christian music with positive lyrics helps to pour good things into my brain and crowd those negative things out. There's a list of good things to ponder in the fourth chapter of Paul's letter to the Philippian church. It says to think about whatever is true, honest, just, pure, lovely, noble, right, or admirable. Philippians 4:8 says, "If anything is excellent or praiseworthy, think about such things." Christian music helps me accomplish this.

6) Get Busy

We all need to feel like we're involved in something significant. We need to participate in something outside ourselves. You might consider volunteering at a local women's shelter or food pantry. I've enjoyed both and discovered that when I stay busy helping others and concentrating on their problems, I get a break from focusing on my own troubles. This is how HUGS and HOPE began. It started with a small effort to make a difference for one family and it grew. I've learned that joy boomerangs. When you give it away, it comes back to you. Helping others gives you the heart-warming satisfaction of knowing you are making a difference in the world. That will elevate your mood as well as your self esteem.

7) Get Physical

This is two-fold. Physical exercise is good for us, but physical contact is equally important. Our bodies need to move to be healthy, and going for a walk is the easiest exercise for me to do when I'm depressed. It doesn't require as much energy and motivation as other activities. Breathing the fresh air and looking at the beauty of nature can be helpful, and taking my dog along is even better. Just watching his ears flop as he bounces down the road in front of me often brings a smile to my face.

Exercise affects brain chemicals, and the healing touch of physical closeness does too. If you're depressed, hug somebody - anybody, everybody! A hug is good medicine. It reduces stress and tension and it boosts your immunity to illness. Hugs raise self esteem and lower blood pressure. They feel good and make people happy. And they're free! Hugs are the universal language that communicates love and acceptance. They're healthy for the "hugger" as well as the "hugee."

8) Get Quiet

I need to lean heavily on God's word and spend time with Him. When I pray, I talk things over with God. When I read the Bible and meditate on it, I hear Him speak to me and I contemplate what He says. I've found this to be one of the best anti-depressants there is. However, I need to add a word of caution here. Too much solitude can worsen depression. Isolating yourself and avoiding people can make depression grow. Don't use meditation time as an excuse to avoid human contact. Time with God is of the utmost importance, but balance between quiet time alone and time spent with others is essential.

9) Get Forgiveness - And Give it Too!

I've read that many psychiatrists agree that depression is guilt or anger turned inward. David is an example of someone whose guilt led to depression. After committing adultery, he wrote, "When I kept silent, my bones grew old through my groaning all the day long. For day and night Your hand was heavy upon me; My vitality was turned into the drought of summer." (Psalm 32:3-4)

Sin makes you feel bad, but when you receive God's forgiveness, your guilt is removed; and often depression is removed too.

Depression can sometimes be caused from the need to forgive someone else or yourself (whomever is making you angry). Grudges cause feelings of frustration, which aggravate the hopeless feelings of depression. When we forgive, we let go of past hurts and give up bitterness. Then depression has no negativity on which to feed. If you free yourself from feelings of hate and open yourself up to feelings of love, you may feel as if the depression is physically lifting off your shoulders.

My friend Nance went through a difficult divorce, which left her bitter about the past, anxious about the future, and miserable in general. She harbored a lot of grudges and guilt, and she worried constantly. She felt the need to control everything in her life, yet she knew she couldn't. After attending a women's retreat, Nance realized what her negativity was doing to her.She released her worries, fears, anger, and resentments at the foot of the cross. Then she felt a renewal in her heart. She was happy and at peace.

When she was dying, Nance told me that the most difficult thing she'd ever had to do was forgive - both her ex-husband and herself -- for past mistakes. She said forgiving was even harder than dying!

Forgiveness isn't a simple one time event. It's a process that often takes time (sometimes years), but it's an important step to healing.

Jesus taught forgiveness when he said we'd be forgiven in the same way we forgive others, and when he told Peter we should forgive, not seven times, but seventy times seven. Of course, Jesus also lived forgiveness. While hanging on the cross, he looked at his torturers and said, "Father forgive them for they do not know what they are doing." (Luke 23:34)

10) Get Thankful.

When I'm depressed, I need to make a conscious effort to count my blessings. An attitude of hopelessness and discontent has a hard time competing with an attitude of gratitude. 1 Thessalonians 5:28 says, "In everything give thanks, for this is the will of God in Christ Jesus for you." It's important to remember that depression is not fatal and it doesn't last forever. You WILL survive! Remind yourself that this cloud of despair will pass eventually. It may seem like there's no light at the end of the tunnel, but trust that there is; and be thankful for that, as you wait for the light to appear.

So, while kisses from your husband (or a psychiatrist) may be great, they can't cure depression. But along with medication and the proper treatment, now you have some practical steps you can take for your own well being. There are times when one of these strategies may be more helpful than the rest. Other times, it may seem that none of them makes a huge difference. But I keep practicing all of them anyway, because I know they are steps toward a healthier lifestyle. Following them on a regular basis may not eliminate depression forever, but they help me to minimize their severity.

These tips can be helpful for people who are not depressed too. They can be useful for anyone who is a little discouraged, a little blue, or needs to refocus on more positive things in life.

I hope that by trying these ideas you may find yourself on the way to experiencing more joy.

******************

Ten Tips For Beating Depression

Author Marsha Jordan is founder of a nonprofit charity called Hugs and Hope for Sick Children (http://www.hugsandhope.org). More of her articles on depression are in her book, Hugs, Hope, and Peanut Butter, a compilation of essays illustrated with drawings by critically ill children. A wonderful mix of the serious and the zany, this book warms the heart and lifts the spirit. PROCEEDS BENEFIT SICK KIDS! This book was written to encourage anyone who faces disappointment -- which is EVERYone! Some essays in the book include "What Did I Do To Deserve This?" "What Was God Thinking?" and "More Than I Can Handle." Order the book or learn more at http://www.hugsandhope.org/book.htm

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Friday, June 1, 2012

Financial Help For Single Mothers

Financial aid for single mothers is available either through federal welfare services or through private organizations.

Who is qualified?

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Not all single mothers can take advantage of special financial help packages. Only those whose earnings fall below a certain level are considered low-income individuals and qualify for welfare benefits. To find out if you qualify for and may avail yourself of federal welfare services, you must complete the application form available at your local welfare office.

Financial Help For Single Mothers

Each program has its own income limits. Whether or not your income falls within the limit depends on the type of income you have, your family's expenses, and any other special circumstances your family may have. Each program also has resource limits. Things that can be converted to cash (bank accounts, stocks, and other properties) are considered to be resources. Only certain non-U.S. citizens may receive welfare benefits. Check with your local office for details.

What happens if you are not qualified?

If you do not qualify for welfare benefits, or if your needs are not covered by any specific welfare program, you may take advantage of grants offered by the U.S. government to single mothers. In exchange for the grant, you must perform some service or task required by the grant terms. There are 900 grant programs offered by 26 federal grant-making agencies. Some grant categories are agriculture, art, and education. You may visit http://www.grants.gov and http://www.neh.gov for details on grant application.

Other sources

Many schools offer scholarships specifically to single mothers. In order to find out about these, you may visit the financial aid office of the school you are currently attending or wish to attend.

There are also some private organizations that give grants and financial assistance to single mothers. Singlemom.com has a "financial gifting program." It awards cash grants to deserving single mothers every month. Many other similar organizations have grant and financial aid information on the Internet.

Financial Help For Single Mothers

Financial Help [http://www.e-FinancialHelp.com] provides detailed information on Financial Help, Financial Help For Single Mothers, Free Financial Help, Temporary Financial Help and more. Financial Help is affiliated with Independent Financial Advisors.

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