A Mother’s Day Wish

Any holiday is tough to get through after the death of a loved one, but Mother’s Day can be especially hard for those who have lost their mother, and for those mothers who have lost a child. Holidays tend to be painful reminders of what you’ve lost and how you used to celebrate that day. Whether you’ve lost your mother or you’re a mother who’s lost a child, this Mother’s Day is for you. Find a way to celebrate it in a way that brings back memories of your departed loved one and sheds light on the wonderful celebration of mothers everywhere.

Buy Flowers

Flowers are one thing that any mother would love to receive. If you have lost your mother, buy a beautiful bouquet and deliver it to your mother’s memorial. Pay her a visit and tell her how much you still love her. If you are a mother who has lost a child, buy a bouquet for yourself. Set the flowers out to remind yourself that you are a wonderful mother, on this day and every day.

Celebrate with Your Children

If you’re suffering the tragic loss of a child, there’s no doubt that mother’s day will be tough. But don’t forget the other miracles you have in your life. If you have other children, let them celebrate you the way you deserve to be celebrated. It’s okay to be sad and to reflect on the loss of your child, but try not to shut out your other children. They love you very much and will want to take this opportunity to show you.

Celebrate with a Different Mom

Losing a parent is heart-breaking, no matter how old you are. You relied on your mother for things that no one else could provide; support, advice, and unconditional love. Although no one can replace your mom, you can still honor Mother’s Day by celebrating a different mom. Maybe you have a grandma or aunt in your life who you are particularly close with. Perhaps your friend’s mom has been particularly supportive to you over the years. Reach out to one of these other moms this Mother’s Day so that you don’t let the day go by uncelebrated. Your mom would be happy to see you connecting with someone in her absence.

The reason Mother’s Day is so special is because it gives us a reason to give thanks to the woman who brought us into the world and for the many wonderful things she did for us thereafter. If you are that woman to someone, this day is for you, whether that ‘someone’ is with us here on Earth or not. If your own mother has past away, there’s no reason why you still can’t celebrate her on this very special day.

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Contact Lenses – A Confidence Builder For Valentines Day

Confidence is a key component to success in life – from landing a job, to garnering respect and admiration from peers, to falling in love. A person who exudes confidence is generally well regarded – it is much easier to like a person who likes him or herself.

A basic aspect of liking oneself is feeling content with one’s appearance and having a basic acceptance of who we are. For people with vision problems, making the switch from eyeglasses to contact lenses can make a world of difference in their confidence level and self-image.

With Valentines Day just around the corner, now is the time to make the switch to contact lenses, boost your confidence level and maybe work up the courage to ask out the person you most admire.

It is said that the eyes are the gateway into the soul. Gazing into the eyes of a loved one can be quite telling. In the eyes of a significant other, you might see love and compassion; in the eyes of your child you might see traces of yourself and a youthful exuberance. The ability to read one’s emotion in their eyes is truly meaningful and inspiring.

A captivating gaze with a contact lens wearer is simple to achieve. Contacts are worn directly on the cornea, making them nearly invisible. With eyeglasses on the other hand, distracting glares, reflections or fogging of the lenses in varying temperatures make an intimate gaze more challenging, though not impossible.

The aesthetic aspects of contact lenses are the most basic benefits, but there are other important benefits as well. Contact lenses are an effective means of vision correction that provide a great peripheral field of vision, which allows the wearer to be significantly more active than when wearing eyeglasses. Contact lenses offer a natural-looking alternative to wearers – most people aren’t even aware that lenses are being worn – which helps the wearer to feel confident about their appearance.

Although the social benefits of contact lenses are numerous, it is important to remember that a contact lens is a medical device, and should be treated as such. Lenses must be fitted by an eye care professional and it is crucial to eye health that wearers follow their prescribed cleaning and replacement schedule.

Modern contact lenses offer visual solutions for different eye problems. For those who are intrigued by an edgier appearance, or who are seeking something different, colored contact lenses are an option. These lenses are available for people who don’t require vision correction, but must still be fitted by an eye care practitioner.

Contact your eye care practitioner to schedule an exam to be fit for contact lenses today, and visit Contact Lens King [http://www.contactlensking.com/index.aspx] for more information on contact lenses and eye health.

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Divorce – 5 Financial Steps To Take BEFORE Getting A Divorce

Marriage is defined as «the state of being united as spouses in a consensual and contractual relationship recognized by law». When two people enter into a marriage the expectations are that it will last for the rest of their lifetimes, for better or worse, until death do them part. However, some marriages – as hard as people may try – don’t always last a lifetime.

A marriage may result in separating ways and end in divorce regardless of how hard one or both parties try to make it work. This can be a giant roller coaster of emotions. With everything going on there is one extremely important thing many people neglect to think about… YOU. If you find yourself going through a divorce you need to look out for yourself and your financial independence. Too often we see a separating spouse blindsided by certain financial realities. Take a look at these 5 steps BEFORE getting a divorce to ensure you are looking out for your own interest before the divorce finalizes.

1. Audit your current financial situation

Divorces can be unexpected and abrupt. They can also be prolonged and only come to fruition when a step is finally taken to formalize it. Regardless of sudden or more prolonged, there is an urgency with awareness of your current financial situation as a married couple.

With some couples, one person handles the finances more than the other person. While this is not recommended, it does inevitably happen. And in some cases of couples separating we see females who are left in the dark about the financial state of the two as a couple. Whether it be because the husband assumed the role or the wife is staying home with the kids, it is more common for the woman to be less aware of the couple’s financial state. However, this can undoubtedly go both ways and both should take this step into consideration regardless of which role.

This is something you need to protect yourself from. If you know that a divorce is coming, you will be initiating a divorce soon or you just had the bomb dropped that your husband or wife wants a divorce, take this step with extreme urgency. Print out or make copies of bank, brokerage and retirement statements, credit card statements, trusts, or joint investments. Have hard copy evidence of any and all of assets of the marriage.

Why do this?

The hope is that the divorce will be an amicable one, however, when emotions run high, one party may do something out of spite. We’ve seen instances of a spouse trying to shield assets from the other, change account authorizations to restrict the other spouses access, or hide any information that would benefit them-self to do so in the event of a divorce.

So how do you combat this? First start with educating yourself on your current financial situation. If you have a financial advisor you trust, set an appointment with them. If you want to consider a different financial advisor that is independent of your spouse, make an appointment accordingly.

Be aware of any outstanding debt there may be. Sometimes one side of the couple is blissfully unaware of the amount of debt their spouse is racking up while they are still married. This can come out when the divorce is in process and may leave both spouses responsible for the debt regardless of who created it.

Its far too important to be prepared with documentation in case your spouse decides to try and change log-in information etc. preventing you from getting access to these records later on. Do this with urgency to protect yourself and take control of your financial independence.

2. Establish your own credit

In the event that a couple shares credit card accounts, it may be likely that the account is held in one person’s name while the spouse has authorized access to use the credit card. You may be unaware that the account is held solely in your spouses name. This information will need to be figured out because simply having your name on a credit card does not mean that you are establishing any credit. Typically we’ve seen this with a spouse who does not currently work. They have a credit card under the working spouse’s account because of this.

Why do this?

When a divorce occurs, this becomes important. Having a credit card in your own name helps build your credit. You will be better able to be approved for a new mortgage, based on your own qualifications, if you decide you want to purchase a home on your own, or any loan that you may need. This should be done before the divorce proceedings happen. Especially if your spouse earns significantly more than you do or if you didn’t have an income while married. It is a lot easier to get approved for one while still married with a joint income. Also, a credit card can help with the day-to-day expenditures when you’re still figuring everything out in the divorce settlement.

3. Review and revise beneficiaries, wills, health proxy, power of attorneys and other estate plans

When two people get married, it is not uncommon for them to make each other their beneficiary, health proxy, power of attorney, executor etc. When you’re married, you want your spouse to be the beneficiary and you believe they will carry your wishes out should something happen to you. This changes when a divorce occurs and should be looked at carefully.

Why Do This?

When you know you’ll be separating ways it is best to review and revise these. Change each of them to reflect the current situation. You may want to consider using a family member of your own or children if any are of age to do so. It is best to review them with a trusted individual and most financial advisors would be willing to help you with this process.

4. Adjust your budget for your new financial independence

Many married couples have two incomes coming into the household. You get used to spending at a certain level without feeling any financial pressure. This level is typically more than you would be spending when you were single and operating on your own salary. When you are entering into a divorce, it’s time to adjust your budget and become acutely aware of where your money is going. To do this, start by taking an objective look at what your new budget will be. Look at the expenses that are necessary and then look at ones that you would be able to eliminate. Create a new budget you can commit to on your own.

Why do This?

All too often we see a recently divorced woman or man trying to live the same lifestyle as they did when married. It can be a harsh reality when they realize this can no longer happen. Any reduction in income takes some time to get used to. You may have to sacrifice shopping trips, golf outings, getting your nails done, or other luxuries you were able to comfortably afford as a married couple. Understand that life is changing. Doing this step will help you find your new financial independence and put you in the best position for your financial future.

5. Surround yourself with those who will support you

Going through a divorce most likely won’t be cut and dry. Any situation that involves emotions from 2 or more parties makes it difficult. Sometimes divorces are sudden… and some times it is a long time coming. No matter how the divorce has transpired, it is extremely important to surround yourself with people who support you. Especially in a time where a lot of decisions will need to be made.

Why do this?

You need to surround yourself with those concerned with your best interests. Divorces can hold feelings of resentment or distaste towards the other spouse. When emotions are all over, people may do things that they wouldn’t normally do, out of spite. Have the support behind you to make sure you stick up for yourself but also be there to tell you when it’s best to put your pride aside and come to an agreement.

In Conclusion:

Going through a divorce can be an emotional and even traumatic event. Just remember, it doesn’t define who you are. You WILL make it through this and your life WILL move on. Be mindful to protect yourself in the process and be confident that you can start again with new financial independence! Consider each of these 5 steps to take when getting divorced. Hold your support system close and don’t be afraid to call in some professional advice.

Most financial advisors will be able to guide you through this process and help you make good decisions that are in your best interest. If you are from Buffalo or Western New York, we would be happy to review your situation and offer suggestions. Call us at 716-662-4470 to schedule your free consultation.

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Buying Bowling Equipment

You can walk into almost any bowling alley today and find a pro shop ready to sell you any type of equipment that you may need to take your game to the next level. My writing about the bowling industry has taken a bit of a turn towards the increasing cost to participate in the sport. One of the biggest costs that the avid bowler faces is the cost of bowling equipment.

The state of the game today, much like in many sports, has been greatly affected by technology. If you do not have the best equipment, you are at a disadvantage to your competition. This comes with a cost. It is not uncommon for bowling balls to cost over $ 200. Most avid bowlers have 3 or more bowling balls in their arsenal. A bowling bag for three bowling balls can cost you over $ 100, and top of the line shoes are in the triple digits as well. With these three essentials in bowling, you are looking at an $ 800 investment.

There are some ways that you can cut costs. Of course, there are some lower performance bowling balls that you can purchase. It is suggested that you speak with a coach or pro shop operator who might be able to analyze your game to determine the best way to select your arsenal.

In my opinion, buy everything off the internet, except for new bowling balls. You can buy the bowling ball off the internet as well, but the reason I don't is twofold. First, when you receive the bowling ball in the mail, you still have to go get it drilled. From what I have seen, this usually costs around $ 50. So, by the time you have paid for the ball online, shipping, and drilling, you can probably get it cheaper from the pro shop. It can cost more with inserts, thumb slugs, etc. Second, you can buy the bowling ball off the internet and have them drill it, but unless you are extremely knowledgeable about how to layout equipment. Me personally, I'm just very picky about my equipment and want to be there while it's being drilled.

Another great way to find some of this equipment at a reasonable cost is through Craigslist. Beware, any searches I have attempted usually come back with a majority of the stuff that has been in someone's attic since the 1970's, but you may find a diamond in the rough once in a while.

Buying new bowling equipment is one of my favorite things. I hope these ideals help you save as much money as they have for me, which allows me to buy even more new equipment!

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Daily Supplement Arsenal – Supplements for Mass and Strength

There are indeed a ton of supplements on the market and new ones are coming out every day. It’s hard to know what to take, what works, and what doesn’t work. Sure, the pro bodybuilders post their supplement regimens in magazines but most of them are endorsed by supplement companies, so these serve more as advertisements. How do we know what they really take? And are professionals of any sport really going to throw their secrets out there for their competition to see; probably not. So, though I’m nowhere near a professional bodybuilder I’m going give you a supplement plan that I’ve found that works for me. Remember, I said this works for me; it may not work for you, or you may get better results than I do. Either way, here it is.

First of all I’m going to give you a list of supplements I take regularly then I’ll map out the actual plan (times, amounts, and so forth). In my opinion, there are only a hand-full of tried and true supplements that have been proven to work.

Here’s my list (in no particular order):

Dymatize Elite Gourmet Protein (Chocolate)

VPX NO Shotgun

VPX NO Synthesize

Scivation Xtend

Gaspari Nutrition Novedex

Primaforce Creaform

Primaforce Glutaform

Here’s the basic layout of how I take the above supplements (each is 1 serving unless otherwise specified):

Pre workout: VPX NO Shotgun

During Workout: Scivation Xtend

Post Workout 1 (between weights and cardio): VPX NO Synthesize

Post Workout 2: 2 scoops of Dymatize Elite Gourmet Protein (with milk, a banana, and honey) + Primaforce Creaform and Primaforce Glutaform with grape juice

Between Meals: 2 scoops of Dymatize Elite Gourmet Protein

Before Bed: 2 servings of Primaforce Glutaform and Novedex (2 capsules. 1 serving)

To sum this up, my main arsenal is whey protein and straight forms of creatine and glutamine. In my opinion, the old school creatine monohydrate with grape juice is the most effective forms of creatine. Glutamine is important for recovery. Branched chained amino acids help aide sustainable energy during a workout (Xtend). Personally, I feel I need some sort of pre workout and I only take the post workout Synthesize because I like to have something immediately after the weights before I do my 30 minutes of cardio. The Novedex is a natural testosterone booster and helps reduce estrogen levels. Skeptical at first, I’ve found this to be very effective and have noticed strength gains and muscle hardness from it.

This is my supplement arsenal during the week; I workout five days a week and take weekends off. With that being said, if I do anything at all on the weekends I may hit cardio once. I usually take a break from supplements on the weekends though with the exception of protein and if I’m taking something like Novedex I’ll stay on that as it requires you take it every day to be the most effective. But I lay off the pre workout, post workout, and creatine supplements on the weekends. I will still take glutamine before going to bed.

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Team Spirit – What Causes It?

Watching the matches in the FIFA world cup, I notice that the national line-ups apparently vary as to team spirit. You might wonder why this matters. Why is team spirit important? What brings it about? And what hinders it?

Sweden’s team spirit

After eliminating very good teams, Holland and Italy in qualifying, Sweden played their part, in sending defending champions Germany home early, by topping Group F. They lack individual talented players, but as a team with a collective spirit they’ve got heart and stand up to the challenge. They do well through determination and organisation.

«Alone we can do so little; together we can do so much.» (Helen Keller, deaf/blind political activist)

In keeping with his no-frills squad, the manager had not picked Sweden’s all-time top scorer Zlatan Ibrahimovic. The player had angered many of his former fans with what were seen as characteristically self-obsessed comments.

«As a team, we play as a collective, all the players together. With Zlatan, as a person, as a player, he’s an individualist, and the play goes around him. Instead, now, we play more the team all together.» (goalkeeper, Karl-Johan Johnsson).

Every single player has bought into the idea of working hard for each other and having fun together as a bigger group outside the pitch.

Leicester City’s team spirit

Winning the English Premier league, Leicester City is another football team whose performance has exceeded what might have been expected from the sum of its parts.

Leicester had some good players, but looking at the whole squad and comparing it to the so-called «top» clubs, it’s easy to see why they were such long shots to lift the title.

«You may have the greatest bunch of individual stars in the world, but if they don’t play together, the club won’t be worth a dime.» – (Babe Ruth, baseball player)

Pundits spotted the players’ sense of team identity as a crucial factor in their success. The squad knew the manager would be there the following season. He persisted with most of the first team players he inherited. This continuity built on the legacy of the club, another cornerstone of a strong team identity.

Team spirit was also helped by the players viewing the objective of the club (i.e. avoid relegation) as one they were capable of achieving. So there was no fear of failure.

Many technical sides defend by playing lots of safe passes and so not letting the opposition have the ball. However, possession makes for a poor predictor of team performance. City were not afraid to play three misplaced passes if the forth move led to a goal. Team members felt positive and proud to be part of a group playing a successful fast-paced counter-attacking brand of football.

Other football teams

Boys playing football need to learn to pass the ball unselfishly rather than dribble past opponent after opponent until they lose the ball. They need to be a team player and not purely an individualist. Some flair adult players have been encouraged to succeed at the expense of collaboration when it is needed.

Professional football squads in England include highly rated players from other countries. These tend to have dissimilar languages, cultures, values and problem-solving approaches to difficulties. This can hamper the growth of team spirit.

Most football managers realise that team spirit can be hindered by voicing criticism of players in public. However leaders vary in their team building skills.

Trade Unions

Without any emerging team spirit within a trades union, industrial disputes would fail. Unity is strength. Members need to identity with the cause and trust each other to sacrifice short-term income. Then they have a chance to negotiate from strength and gain better working conditions and pay in the future.

Personal services

Worker’s morale is important in all walks of life. For example in many organisations dealing with human troubles and personal change – like educational, health and social services, or those to do with spirituality – team spirit can be fragile when one is faced with difficult-to-succeed-with-clients.

Many of these organisations use teams of workers with different types of professional training who may not see eye to eye. Dealing with complex and highly personal matters raises matters of deep principle. This can mean that people can be unwilling to modify how they approach things, leading to a degree of inflexibility. Leaders can help by team building encouraging the giving and receiving of support, communication and sharing. Without this, mixed groups tend to show disharmony as well as collaboration.

«Teamwork begins by building trust. And the only way to do that is to overcome our need for invulnerability.» (Patrick Lencioni, business management writer)

Unpaid volunteers tend to want to carry out their responsibilities on their own terms. With volunteers doing only short hours, team spirit suffers if members have little opportunity all to meet together to resolve different viewpoints.

Heavenly community spirit

When we make friends, we tend to do so with people who share our interests and values. With them we often feel most at home and free to be ourselves. It may be hard to imagine such a sphere where community spirit prevails. Emanuel Swedenborg painted such a picture of heavenly community. In such a scenario there are no rows about how things get done. No egos wanting their own way. People joining together in the right spirit. Only wanting what is best for each other and for the team and community as a whole.

«None of us, including me, ever do great things. But we can all do small things, with great love, and together we can do something wonderful.» (Mother Teresa, Roman Catholic nun)

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Who are the Agents and the Company Behind the Transfer of Theo Walcott?

Theo is on the books of Key Sports Management, and is looked after by Colin Gordon the man who said «Football clubs and chairmen know who in the game is corrupt, so why do they still use them? I would question the motives of a large number of managers, chief executives and chairmen in the game».

In a week when sports management companies and player agents come under the spotlight after a statement issued by Mike Newell the manager of Luton town football club, we ask what is involved in a deal involving the transfer a 16 year old kid to a top premiership club?

Most regular fans who turn up week in week out to watch football in the uk don’t like to dwell to long on what they describe as «those vile leeches» that are behind the move of top players preferring to base there support and loyalty on the game of old played during the 70,s and 80,s.

The position of Southampton football club

Saints are in a corner when it comes to keeping Theo their hand being forced to sell by the footballers agent and management company, Those agents are rumored to have issued an ultimatum to Rupert Lowe, either agree a deal with Arsenal, or Walcott will exercise a release clause in his scholarship contract, meaning he will become a free agent and Saints will only get compensation from a tribunal this is expected to be around £500,000 with a follow on payment of £500,000 after a certain number of games.

The alternative is to sell, with Arsenal the front runners to bag the wonder kid after making an offer of £10 million.

Chelsea are believed to be keeping a close eye on developments with there chairman Roman Abramovich rumored to be ready to step in with an offer of £15 million.

So who could get what out of the Theo Walcott deal?

Taking the transfer of Wayne Rooney who moved from Everton to Manchester united for roughly £25 million during August 2004 as an example:

When Rooney joined United it was reported that Manchester United paid Rooney’s agent an extra fee – «an incentive» – to ensure they got their man.

United paid Proactive Sports Management a sum of £1.5m as recorded in the shareholders statement «Fees payable to Proactive Sports Management Limited in relation to both the acquisition of the player and negotiation of his personal terms», the amount was 2 x Rooney’s first year wage.

With such payments being made to player’s agent’s maybe it is up to the humble fan to speak out?

Just think where that extra 20% on the price of your season ticket next season maybe going.

As for Theo Walcott’s management company as well as the signing on money paid to Key Sports Management and there agent Colin Gordon they will also receive payment for arranging deals for image rights etc, Theo already has a boot deal with Nike gained while he was 14 but you can be sure of more deals and transfer requests to follow as his management company try to do «what is in the players best interest».

http://www.Theo-walcott.com

January 13, 2006

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