Interest Only:Home Mortgage

Interest only home mortgages can be considered among most trustworthy lending offers that put forward many options to buyer requirements. This financing pact requires monthly fees of the interest other than the principal sum. This does not signify that a property holder never pays the standard, but interest only mortgage offers a phase of time contained by the provisions when the proprietor is requisite to compensate the monthly fixed interest.

Other Options are Also Available

This special financing choice is also one of the several home mortgage types offered to clients who have a range of personal, financial requirements when buying a house. There is a variety of financing offered with changeable monthly fee terms, interest tariff and pay off period. You can easily search for many options available in your surroundings through the internet. Another option is you can give an ad in the newspapers about your need and in no time several real estate agents will be at your door steps.

Don’t Need Large Capital to Start

This type of interest mortgage attracts a number of clients who have specific reasons for selecting an arrangement demanding payments of only funding charges for a particular amount of period. It is not considered a sensible step for most clients to select them because the standard is not given for even long periods of years, so it is not a good choice.

Good for Real Estate Agents

Such mortgages that are considered for five years or less time period propose impartiality loss if the buyer does not reside in the home for long. For real estate traders who are purchasing homes so that they can get quick yield with a premature resale, such loans are ideal trade tools.

In some cases people only want a house for a short period, so in this case these agents earn a lot because these plans are more suitable for those who want to reside for a long period.

Don’t Opt for Small Periods

However, for clients who have specific reasons for selecting an interest only mortgage, this selection can be very appropriate for their circumstances. If a proprietor only needs to inhabit the purchased residence for only some months or some years, it may be significant to select such a choice because of the small, monthly expenses. For many proprietors this is a feasible choice because of several reasons, but this is not the only option available for a person wishing to buy his own home.

Good for Expected Income Increase in Future

For people who are not having good income at the moment and expect it to rise in the coming years, it’s a best option because when the principal amount will start coming in it will be easy for him to pay the installments. For the right buyer, this kind of loan can be a huge deal too. It is the best option to start with small capital and you also get some time to increase your income so that till the time your interest only period finishes you are in a position to pay big payments.

Interested in learning more about what loan options are available to you? Click here.

 

Credit Cards the Future?

Is cash a dying dinosaur in the wake of the swing to more and more of us turning to the use of plastic – credit cards?

With the introduction of the new Chip and Pin credit card system, though initially brought in to fight the ever-rising cost of card fraud, which incidentally cost in the region of £4.3 billion in 2003 alone, with an out look of rising to £1 billion, something had to be done to stem the tide. Is now being heralded in some quarters as the beginning of the end of everyday money.

With the added security that it brings, it is believed that more people who don’t currently own a credit card will now take one in the knowledge that they can be a more secure way of dealing with our cash. Though it wont cut out the credit card not present fraud that is steadily on the rise, and becoming much more of a menace as more people turn to using the Internet for example, to purchase goods.

Don’t rule out the use of cash just yet though, as it’s better to purchase smaller items like a newspaper, bread or even a pint of milk, that you can’t currently do with a card. And cash is still the main form of paying by consumers according to The Association of Payment Clearing Services, who report that 76% of payments are still made this way, leaving cash at the top of the pile of importance, in the way that we do our dealings.

But with the expected up turn in the way that cards are to be seen in the near future, the APCS expect the number of us to pay this way is going to dwindle to around the 62% mark by the year 2009, as we get used to the idea of a thin piece of plastic in our pockets, replacing bulges caused by a load of loose change.

The Chip and Pin method of payment as well the added security that it brings, will also lead to other methods and uses for the chip that holds all the information that is required on your card, such as an electronic purse that will enable you to buy the everyday items that we take for granted.

But if you’re interested in applying for a credit card, choosing the right credit union can make a huge difference. Click here for more information.

So is the Jurassic age going to be swamped by the New Age Chip? Well it’s going to be a battle, as the difference in punching power right now is very much in the favour of cash, with 25 billion transactions a year to the credit cards 3.4 billion, though it’s a fight that with the introduction of Chip and Pin credit cards, will start to address the balance of power.

 

Why to Use a Prepaid Debit Card Instead of a Credit Card?

During the 1990′s due to the great losses credit card companies had to look at different ways of securing their debts. At that time they found a new way of secured credit card and following close behind came the prepaid debit card. Prepaid debit cards are now issued by most credit card companies, such as Visa, American Express and MasterCard.

The functional procedure of this card is that funds are added to a prepaid debit card at a retail location or through an online bank. This card works almost similar to a prepaid phone card. Actually, a prepaid debit card is cash that has been applied to a plastic card, this is done so that the funds can be accessed electronically. A limit is assigned to this card that is identical to the amount deposited for that card. Each time you use the card, the amount on the prepaid debit card reduces until the funds become zero.

Prepaid cards contain a wide range of benefits. They are very much safer for consumers to carry than cash and they can be used in all countries of the world, it depends from which company you chose to obtain a prepaid debit card. MasterCard, American Express, Visa all offer these cards, as do some banks.

There are other benefits also like you don’t have to worry about a monthly credit card bill or debt. Any person who reaches the age of eighteen can carry a prepaid debit card, their credit history doesn’t matter.

Even those are eligible to access a prepaid debit card that has extremely poor credit because they must have to have funds before the card is issued.

Just gettin started on handling your finances? Riegelwood Credit Union offers what we believe to be the best youth savings account.

Learn more when you visit their website.

Another advantage of prepaid debit cards is that they can easily be re-loaded by phone or online as long as there are funds available. This allows the user to have easy access to electronic funds when on vacation and during business travel. Nowadays many companies prefer to use prepaid debit cards in place of expense accounts or company credit cards.

It is due to the reason that with any other type of card the fees can be astronomical. The card companies charge fees for getting the card, reloading it, for going over the limit, cashing out the card and canceling it if you should decide to do so. So those cards having the lesser fees are the best to use, so search around to see which companies are offering the best deals so that you may get the cards with lowest fees.

The average cost for reloading a prepaid debit card is around $5.00, so be sure that you have added enough funds to cut down on repeat re-loading.

You can access funds from prepaid debit cards only with your PIN number. Make sure that you change it often and never disclose your PIN number to anyone. The best way is that if you have your bank or the company where you obtain the card to put a daily maximum on it in case your card is ever stolen or in the rare instance that someone is able to obtain your PIN number.

The most important thing to take under consideration is that the advantages of prepaid debit cards far outweigh the disadvantages; they are good for everyone, especially for those who cannot fulfill the criteria to obtain credit cards due to their poor credit history. But don’t forget one thing that prepaid debit cards also have to be used responsibly, just as any other card. You can easily load them time after time until your bank funds are reduced to none. Make it sure that you are keeping the records of your purchases to prevent this type of catastrophe.

 

 

Dependent Personality Disorder – marked by extensive anxious behaviour, helplessness and the need to be taken care of

Dependent personality disorder is marked by extensive anxious behaviour, helplessness and the need to be taken care of. People suffering from this disorder need to be continuously reassured about their feelings and position in their life. This kind of disorder can get manifested with equal strength in both the sexes and do not have a particular age when they start developing.

SYMPTOMS OF DEPENDENT PERSONALITY DISORDER

Like other psychological disorders, dependent personality disorder can not be measured by using any equipment or dimensions. There are certain symptoms that are used to measure the intensity of this personality disorder.

 

People who are suffering from this disorder are always emotionally dependent and feel betrayed if they are not given importance. In extreme cases this dependency might get converted into possessiveness. They can go to any extent to try and please people so that they are attended by others.

 

Always suffering from a fear of rejection and separation, they have a clinging attitude that can get irritating. They suffer from low self esteem and can not take decisions on their own. For every decision that they take they need assurance from others for their accuracy.

 

These people fare very badly in their professional life as they can not handle responsibilities and shrink away from any kind of job responsibility. They also don’t like jobs that need independent functioning.

 

They always need involvement in some or other relationships and quickly shift from one relationship to another whenever they sense a fear of desertion. They always need to be emotionally supported by both their peers and their immediate family members.

Filled with self doubt, these people are pessimists by nature show no interest in their day to day work with the fear of doing things wrong.

 

They are very submissive in nature and form the maximum percentage of people who are abused in relationships. With the fear of losing a support, they tolerate all the happenings of a miscreant.

 

They live in their own world and their belief can be very naïve. They usually remain miles away from the happenings around them.  They lack the will to excel and can never stay alone.

CAUSES OF DPD

Dependent personality disorder can get manifested at an early age. An authoritative and restrictive up bringing, deep fear that got manifested due to child abuse and too much of interference in life are some of the main reasons why DPD gets manifested.

 

Parents, who are over obsessive about what their children do and do not allow them to be assertive, too will allow manifestation of the personality disorder in them. How the symptoms of the disorder get expressed can not be ascertained. They might remain dormant and then get expressed as a result of shock or tension.

TREATMENT OF DPD

Any kind of psychological disorder when it gets manifested becomes very difficult to be treated. It is therefore suggested that initial steps should be taken in the beginning itself to prevent the onset of such disorders.

 

As discussed in the above lines, home environment plays an important role in the inculcation of the symptoms of this disorder. Parents need to allow their children to decide for themselves. Even when their decisions are wrong, instead of reprimanding them parents need to show them the correct path so that they do not lose their self confidence. Certain values like taking on loss on the face need to be taught early on.

Short term therapies are better advised for treating the symptoms of DPD. Long term therapies are avoided because these patients might get dependent on their physicians. Assertive assignments are essential to make them grow their self confidence.

Use of medication becomes essential when people suffering from DPD start showing symptoms of side effects like diabetes, depression etc.

 

If you’re having psychological issues and need a psychological session for a treatment from the best experts, visit Estadt Psychological Services.

 

Short Term Loans Provide Extra Money

Taking out short term loans would be a great idea when you need some extra money to pay for a gift for a friend. Many times, you will have to find a method of paying for something special on a limited budget without the benefit of time. When you are faced with this situation, you may want to avoid simply buying an inexpensive item. The gifts that you give for weddings or birthdays are often ones that reflect your ideas of the person that has invited you to the gathering. If you select a cheap gift, you will leave a bad impression for some time to come.

 

Do not make this mistake simply because you do not have a lot of extra spending money in your pocket at the moment. Instead, you may want to use a short term loan as a method of getting the money you want as quickly as possible. What you want to do is apply for the loan before heading out to purchase any gift. Once you are approved, you can get the cash and start shopping as soon as possible.

 

These loans are the ideal solution for such a problem because they provide you with money during the very same day. As a result, you can begin the application today and purchase the gift for an event you may be attending tonight. When you do not have to plan very far in advance, you will face less need to worry about what you will do to make sure their gift is special.

 

Very Easy To Apply!

The short term loans uk services that are available to you today would offer you once of the easiest solutions that you could find. Financial matters are always worth considering before you need to put a plan in place. However, many people make the mistake of not planning until it is already too late to avoid taking on a financial burden that they cannot afford. You do not have to do this, what you can do is see what these loans have to offer you today. Since they come with very reasonable rates, you may be able to purchase a better gift than you thought possible previously.

 

However, you should understand that these loans are the perfect solution for any financial problems you may be going through. Not only are these great for gifting, they are an ideal solution to a need for a vacation. When you are planning on going somewhere on a very limited budget, you may find yourself waiting for months in the hopes that you will be able to put enough money away. However, you do not have to wait till long in order to get the vacation that you deserve.

 

When you have the benefit of being able to come to these lenders, you can rely on them to pay for your next vacation. Once you have the money in your hands, you would be able to determine where you would like to go on vacation. The most difficult aspect of planning any vacation would be the lack of financial resources that can help you to make sure you have the best experience possible. These loans are a simple way to give yourself some freedom during the planning. Feel free to apply when you need some additional money for any purpose.

 

If you want to know how a Credit Union Protects You and Your Money, check out Riegelwood Credit Union.

 

Do lenders really hate borrowers who come in with a bad credit history?

When you go to apply for a loan, the lender first of all tries to assess your credit worthiness – how willing you have appeared in the past to never take on debt that you are unable to repay, how willing have you been to repay debts that you have taken on, and your credit habits – all through looking at your credit. The outcome of an application for a line of credit that you place before a lender depends on what about you the lender can learn from that credit score. The better your credit score, the better he feels about his chances of being paid back. That kind of looks like the lender must really hate applicants with a bad credit history, doesn’t it? Well, not quite. When an applicant with a bad credit history walks in, he gets charged a higher lending rate. A borrower was a less-than-stellar credit score is good news to a lender – he means better profits. Let’s look at a few reasons a lender isn’t all that happy when someone with a 720 credit score walks in his door.

Someone with a credit score in the 500 or 600 range asking for a loan tells the lender that he can expect to make a lot of money in late fees and penalties. People with a low credit score usually have a tough time making their payments on time each month. Each time they delay making a payment, the lender collects in excess interest and penalties. In all, a customer with a bad credit history is nothing but good news for a lender – there are always the high interest rates that he can charge you and there are all those fat juicy penalties he can look forward to from time to time.

As far as the lender is concerned, the credit score of a borrower is what he uses to assess the kind of risk presented. Young applicants typically have almost no credit history to speak of. They haven’t been on their own for long enough as independent people to actually have a credit history or score. In these cases, lenders really have no idea what to do. The VantageScore credit score model was developed for cases like these. VantageScore was developed by the three major credit bureaus and it tries to build a credit model of a person based on just two years of credit behavior. But a poor credit score actually could scare a lender into believing that a borrower might bail on him. Contrary to popular belief, people with poor credit scores aren’t always out there looking for more ways to get easy loans. Consider the fact that there are about 10 million out-of-use credit cards in America that belong to people with a bad credit history. These people do have lines of credit in these cards; but they aren’t using them. This is the lender’s worst nightmare: that everyone with a poor credit history could end up getting their act together. What will they do then?

You can become a Credit Union member to get the hang of your credit history. If you want to know more about the Added Local Benefits of Becoming a Credit Union Member, check out Riegelwood Credit Union.

man-in-house-debt-wants-loan

Designing Home Landscapes – Shamrocks For The Home Landscape

a-modern-custom-built-luxury-home-in-a-residential-neighborhood-this-high-end-house-is-very-nicely-landscaped-propertyFolks who, like me, desire to grow and wear the real shamrock of St. Patrick to celebrate the Saint and things Irish each March, probably need look no further than their lawn or nearest pasture.

Why is this? Because, as I have learned through a first rate book bought in the Irish National Botanic Gardens (Glasnevin, Dublin), there is no one plant unique to all of Ireland which can be called “shamrock”. All my years of searching for true shamrock seed to grow have been for zilch and now I find out that the plants I fancy are almost under my nose.

The myth of the shamrock begins, as you would expect, with Patrick, that ancient Briton who would later in his life become bishop to Ireland. Because of Patrick’s writings, we know more about him than about other ancient Britons of the Roman period. Nelson points out that though Patrick’s own Epistle and Confession are the only authentic sources of his life, nowhere in these letters or anything written about Patrick in the time immediately after his death is there mention of trefoils or shamrocks of any botanical kind.

Nelson’s book continues a chronological exploration of the shamrock’s history from ancient scribes, dictionary writers, mapmakers, through Kings, Queens, patriots and rebels, to artists, artisans and poets. The book is packed with enchanting black and white drawings that illustrate how the shamrock idea was and is still used as a motif in all sorts of designs and decorations. My favorite images are those of a Victorian dust-jacket for a book entitled A Daughter of Erin by Violet G. Finny, and a day dress of green poplin with separate bodice and skirt, embroidered with cream (on the skirt) and green (on the bodice) shamrocks.

The book’s final chapter Vox Hiberniae (loosely, Voice of the Irish) sets about reviewing the shamrock’s present position in modern life and whether or not the myth survives. The shamrock myth and all its fabrications are alive and well, Nelson assures the reader. He incorporates very believable and at times incomprehensible anecdotes of shamrock growing and wearing into his ending.

But the real gem for gardeners, florists and botanists in the entire book is Nelson’s recounting of one of his taxonomic projects In a 1988 survey and research conducted at the National Botanic Gardens (Glasnevin, Dublin), shamrock samples from the wild across all Ireland were studied and compared with results from similar work carried out during the 19th century. The major thing that Nelson learned was that perceptions of the Irish shamrock as a plant have not changed much in over one hundred years.

The conclusion of both studies showed that the Irish shamrock may be one of any of these four common clovers or trefoils:

  • Lesser trefoil (seamair bhui) – Trifolium dubium or T. minor
  • White clover (seamair bhan) – Trifolium repens
  • Black medick (dumheidic) – Medicago lupulina
  • Red clover (seamair dhearg) – Trifolium pratense and in more recent times,
  • Wood sorrel (seamsog) – Oxalis acetosella but its claim to be the true shamrock was rejected as long ago as 1830.

 

Shamrock is clover, nothing more, nothing less. That is what the word originally meant, what it still means, and what it will mean until the end of time.

So what does that leave folks like me looking for in pastures and lawns? White Dutch clover, the low growing kind, is also known in the seed business as Shamrock or Irish clover. It is definitely a strain of Trifolium repens.

Trifolium repens also known as Shamrock or Irish Clover

This White Dutch clover, once a staple of lawns in the Northeast U.S. and parts of Canada, was the essence of my childhood summers – providing little bouquets, beestings and interesting patterns in the lawn. Although I did not realize it at the time, this familiar plant, introduced by early European colonists, has a lot going for it.

It is low growing and green through summer dry spells and before the 1950’s provided nitrogen for lawn grasses. Widespread and increasingly inexpensive use of fertilizers and herbicides changed the incidences of clover in lawns. Today, this once popular lawn component is now widely looked upon either as a weed or a forage crop.

However, white clover is slowly making a comeback in low-maintenance lawns. Residents of pesticide free zones in Canada are again using white clover for their lawns. It is growing in popularity in the Northeast United States as well. Homeowners wanting to try growing some in their own lawns, and willing to keep away from broad-leaf herbicides, will find the following characteristics of White Dutch clover very valuable.

White Dutch clover:

  • grows about four to eight inches high,
  • tolerates low mowing well,
  • spreads to fill in empty spaces,
  • stays green through dry periods of summer,
  • tolerates dog urine and
  • provides nitrogen (up to 2 pounds of N/1000 square feet) for the other grasses in the lawn, eliminating the need to fertilize.

 

‘Tis A Happy Wearing of the Green

To You!

Now you know you can grow and appreciate your own shamrocks as well as have an inexpensive and healthy lawn.

If you need professional tree management or yard maintenance for your house garden, Portland TT is here to help.

A Homeowners Guide to Landscaping

No matter where you live, you, the homeowner, can spot a downtime for your yard. Most world climates have seasonal changes, spring, summer, autumn, and winter that last about three months and bring changes in temperature, precipitation, and/or length of daylight. These downtimes also change the use and demands of your landscape.

In middle parts of the Northern Hemisphere, warm spring days occur in March, April, and May; June, July, and August bring hot days and warm nights; and in September, October, and November, autumn days become cooler, leading to the winter cold of December, January, and February. In the Southern Hemisphere, seasons reverse and homeowners in places such as Australia and New Zealand experience summer in December, January, and February.

Equatorial and polar regions may not experience seasons or temperature changes but those living close to these areas do encounter environmental changes. In parts of the tropics, rainfall varies greatly, creating a wet season and a dry season. In areas close to the poles, day lengths vary leading to a light season and a dark season.

I believe that one of these downtimes is the best time to begin or continue the landscape planning process. At those times, the “bare bones” of a piece of property, or even one of the little gardens that most of us have accumulated, can be seen the best.

Once house and property measurements are recorded in a notebook or on a piece of graph paper for inclusion in a base plan, homeowners can begin to take stock of their own and their family’s lifestyles. Conclusions arrived at during this period of fact-finding can be recorded in a notebook, and of course modified when necessary, ready to be included in the master plan.

Launch this period of taking stock by equipping yourself with a loose-leaf notebook and then begin answering these six questions:

1) What do I like in a home landscape, and what do I detest?

2) When will the yard be used?

3) How will the yard be used?

4) Who will use the yard?

5) How much time and money can be allowed for implementing the overall plan?

6) Who will do the work?

Study garden magazines, design books, and plant catalogs. Clip pictures and ideas that appeal to you from the magazines and catalogs and copy them from the landscape and horticulture books. Start lists of items you absolutely can’t tolerate. Look carefully at yards in your own and surrounding neighborhoods. Invest in a point-and-shoot camera for spontaneous discoveries and observations. If you think a homeowner might be touchy about pictures, ask permission first. This part of taking stock can be ongoing. Just remember to include all of your observations in your notebook.

 

Question #2, when will the yard be used, is easier to answer. If every summer season is spent away from home than the best option is to plan a scheme for those months that looks neat and requires little maintenance. In this situation, an elaborate perennial garden is a waste of time, energy and money when a variety of slower-growing trees and shrubs would enhance the same amount of space. Be very honest and unambiguous in answering this question.

A crucial issue in question

#3: how will the property be used? Is your idea of a finished landscape one of low maintenance that embellishes the house…what Realtor’s term “curb appeal?” Or do you want a hobby or recreation area? Or is a plant paradise more to your liking?

An ongoing landscape project is certainly a possibility. Families, finances and needs all change. Just because you’ve captured ideas for 2002 and made a master plan does not mean it is engraved in stone. The plan can and should be changed as your lifestyle changes. Of importance here, however, is to again be honest and unambiguous. How your property will be used is central to space and time allocation, and any change will be the hub around which the master plan can be changed in the future.

You must plan around who will use your yard, question #4. We all know that the needs of senior citizens differ from those of growing children. However, we need to understand and plan for these differences, especially when a mixture of ages and interests will be sharing spaces. Perhaps the easiest way to prepare for an assortment of needs is to painstakingly watch in public parks and other yards how spaces are used and where the difficulty is encountered.

Parents of young children remark that they’ve purchased beautiful play equipment that the children never use. When I find out where Mom & Dad hang out, it’s usually in a plot, or working on a project on the other side of the yard. Moving the play equipment closer to what interests the adults usually results in family togetherness.

As their mobility decreases, seniors need flat, stable footing especially where levels change, and when level changes are drastic, handrails might be in order. Bird feeders, small water features, anything that brings in cheerful motion and sound, can provide a satisfying environment. And of course, a wide variety of comfortable places to sit will guarantee interaction among those who use the space you’ve designed.

 

Question #5 may represent the most difficult part of the process, and it demands frankness. How much time and money can be allowed for the overall plan? Perhaps the best way to answer is to divide this large question into smaller parts on a chart, table or checklist. The focus is to compare money on hand against the time available to implement the plan and put it into practice.

How much time and money do I have to budget:

+ During each season of the year;

+ During various times of each season;

+ During any particular week?

Tasks can be designated as:

+ Repetitive jobs such as lawn mowing, fertilizing, raking leaves or deadheading perennials and shrubs;

+ Hard physical jobs such as pruning trees and shrubs, edging beds and borders, or spreading mulch;

+ Dedicated tasks such as caring for a perennial border or annual flower bed;

+ Delicate tasks such as maintaining a rock garden or spring garden of native plants.

A common misconception is that once drawn up, master plans are easy to implement and maintain. So, finally, identify the jobs that must be done and who will do them. Ignoring this issue sabotages the best-made plans, soon leads to difficult and down-at-the-heel surroundings and tumbles homeowners into distress. For example, it is unrealistic for a wife to assume her husband will mow the lawn each week when he’d rather be fishing or playing golf. Then again, if a mother has three young children, she won’t have time to properly maintain an elaborate perennial bed. For success and comfort, this question must be realistically addressed.

Some of the questions blur into each other, but they create a beginning for sorting out the many parts involved in creating a realistic and livable master plan, whether it’s a simple or complex one.

If you have trees on your property landscape that have become overgrown, have died or are dying, you need to have those taken care of. Portland TT will help you out.

Does Leadership Development Really Work?

We all know that good leadership leads to better results than poor leadership. But does leadership development lead to better leadership?

Not an idle question. Organizations of all types—yours included, most likely—collectively spend literally billions of dollars every year on management development. (With an infinitesimal fraction of that gravitating to your faithful correspondent.)

Are those dollars well spent? Are executives getting their money’s worth?

For her Ph.D. dissertation, Doris Bowers Collins, asked those very questions (in 2002). Bowers, associate vice chancellor for student life and academic services at Louisiana State University, and former president of the Association of College and University Housing Officers International, analyzed the results of 83 studies of “managerial leadership development interventions.”

She determined that: Leadership Development certainly does help managers learn more about leadership and management.

Okay. But what about: affecting bottom-line results?

Good question. With a frustrating answer.

Dr. Collins basically concludes: We just don’t know.

There isn’t, you see, very much data to analyze on that subject.

In her words:

[E]ffectiveness of managerial leadership development programs across studies measuring financial outcomes could not be estimated, and conclusions cannot be drawn regarding financial outcomes until adequate empirical studies are performed.

Few studies are available perhaps because financial performance (or overall profitability) would be less responsive to individual behavior change in the short time period typically needed to train individuals, evaluate the training program, and report the results in the literature. Evaluations of programs with a financial outcome would require longer periods of time than many companies are willing to devote. In addition, organizations are typically resistant to publishing financial outcomes as a result of training programs, especially when the results are negative. Therefore, organizations are more likely to measure knowledge or behavior outcomes that are thought to be responsive to leaders’ behaviors within the time frame of the study.

So, as has been the case for a very long time, Leadership Development remains an idea that seems eminently reasonable. But, truthfully, remains essentially an act of faith in so far as quantifying actual return on investment.

Still, if you believe, like tens of thousands of your colleagues in the civilized world, that Leadership Development pays for itself many times over, you should definitely check out Richard Jadick’s content. He’s one of the best keynote speakers in town.

Decorating Kids Rooms

Planning a kid’s room is not a child’s play. It’s a complex process where an adult has to incorporate safety features with childlike fantasy. The difference between a child and an adult is that kid’s ideas and liking change more rapidly; they need a flexible environment. Thus kids’ room decor needs to be less expensive and easily changeable. They need separate areas for sleeping, playing, and studying. They also need more elbow space than adults. Similarly, younger kids need more floor space to spread out while playing. A typical room needs a bed, study table, and storage. These three things are fairly stable provided they are designed futuristically. Thus it is wise to invest in an interior design company like Brenda Lee. However, while decorating a room you can be as thrifty as possible. Below are some ideas for low-cost décor.

  1. 1) Preschoolers and toddlers love primary colors. These bright colors and complex patterns engage them for a longer time. The most inexpensive way to decorate their room is by using paint. However, their tastes change too fast so it is not a good idea to paint the walls or furniture in primary colors. The key is to keep these in a neutral color. Instead,
    1. You can make large murals on poster boards with complex patterns and colors and hang them. If you are not comfortable with painting it on your own you can just stick pieces of colored paper and some pictures from the magazines or stickers. These murals are not costly and can be changed easily. You can make three or four of them and change them every week or fortnight thus giving your child the change of environment.
    2. You can hang posters discussing some science phenomena or some theme depending on the age of the child.
  2. The addition of a colorful area rug is another way of adding color to the room. These rugs come in all sizes. Pick one most suitable for your child’s needs. Create a cozy corner with a rug and lots of pillows. The kids love to snuggle down for reading or quiet games there. You can also place a bookshelf next to it to define the purpose of the place. This can work for kids of all ages. A play-mat is another alternative for rugs. They can be made at home from a twin bed-sheet with batting placed between two sides. You can make reversible play-mat by painting different designs on both sides. Kids can make these themselves. This is very important especially if siblings share the room. Each one can have a corner for them and they can choose their colors and theme.
  3. Decorative shelving is another way of adding functionality and charm to a kid’s room. Buy simple, plain, and inexpensive shelves or make them out of plywood. Paint them in the desired color and decorate them with designs, motifs, or stickers. Affix them to brackets. They are great for displaying books and soft toys. Add a few colorful knobs, and it’s great for things like bags, belts, and caps.
  4. For some temporary storage, get some black or white metal carts that can be stored away when not in use.
  5. As a rule of thumb, storage in a child’s room should be accessible to them. If you have less floor space vertical storage becomes necessary. Then you can store all less frequently used items on top.
  6. Inflatable furniture is a quick and inexpensive way to fulfill the changing needs of furniture. It comes in a variety of colors and designs and is appreciated by kids of all ages. It is also easy to store away when not in use or when more floor space is needed.
  7. For preschoolers and toddlers, hang a large blackboard or whiteboard on the wall at their level. This satisfies their need to write on the wall without actually doing so.