Schatzinsel » ]Wholesale Jerseys China[

Giving your teenager a bad name Family Articles | June 17 Cheap NFL Jerseys Wholesale , 2008
'Keep on telling me what I am, and that's what I'll become'.Just be careful how you describe your children to their faces, to your friends and listen to what other family members say about each other ...


'Keep on telling me what I am, and that's what I'll become'.


Just be careful how you describe your children to their faces, to your friends and listen to what other family members say about each other and be mindful of accepting what you hear from your child's teachers. Labels are so easy to give and so hard to undo.


Consider the nicknames Cheap NFL Jerseys Free Shipping , the stories told and the jokes you received as a child. And just be aware of the nicknames, jokes and stories and teasing that goes on in your house. These are the signs that family members are cast into roles and given labels to match.


'Oh, he's the clever one in the family but he hasn't got any common sense', 'She's a bit of a tearaway' 'My youngest is so untidy and clumsy" "Oh, she's the artistic one."


Labelling is disabling and limiting if you are not aware of it as children are sensitive to labelling and can see it as criticism. They can also take this forward throughout their life - still thinking they are the "bad at maths one" all their life. Don't beat yourself up if you've suddenly noticed this in your family just make a conscious effort to be more aware in the future and to free your teenager up from any limiting labels.


Labels - good or bad Cheap NFL Jerseys From China , become a part of your teenager's self image and although a label may start with a germ of truth in it, it quickly acquires its own momentum and speed. A 'clumsy' teen will become apprehensive about unpacking the dishwasher and in a state of nervousness, drops a couple of plates. More proof that they are clumsy! It becomes a self fulfilling prophecy.


Parents often label their children by comparing and contrasting them and some labels link your teen to another member of the family and may not be negative. "You're just like your father." "She sings beautifully just like her mother". Whilst the labels are given and meant affectionately they convey equally powerful messages. So be aware of how you are using them.


Negative as well as positive labels have their downside. So for this week just notice the stories, jokes, name calling and teasing that goes on in your house and just reflect on what you see and hear. If you're not entirely happy with what you discover don't give yourself a hard time just ask yourself what you can do to guide Cheap NFL Jerseys China , nudge and steer your family in another direction.

Mortgage rates are rising and it's becoming more difficult for a prospective buyer to save up for the necessary down payment. Fortunately, there are ways around this hurdle.

Although homebuyers were once required to put down 20% of the purchase price, those times are long gone. Generally, lenders now require 3 to 5 percent down. The problem then becomes how to save up for that 3 percent.

What many don't know is that they have several options for coming up with the money.

RETIREMENT SAVINGS

Most 401 (k) or Individual Retirement Accounts will allow people to borrow or withdraw money early. Doing so can be a good strategy for the home buyer. With a 401 (K), one can borrow up to $50 Cheap NFL Jerseys ,000 or 50 percent of the balance, whichever is less, and then repay a loan over five or more years, with interest. The added advantage is that this type of borrowing won't count as debt when a lender is assessing a person's qualifications for a loan. And there is also the possibility of getting better appreciation on money invested in real estate.

But, are there drawbacks from borrowing from a 401 K? There can be. For one thing Cheap Jerseys Wholesale , if the borrower quits or gets laid off from the job, he must repay the loan within 90 days or be subjected to penalties and taxes on the early disbursement.

GIFT MONEY

While borrowing against retirement savings is possible for people who were able to set money aside, there are many people who have little or no savings.

What many don't know is that some loan programs allow borrowers to use gift money to make down payments. This gift money must generally come from family members, spouses, domestic partners Cheap Jerseys Free Shipping , or even nonprofits.

NONPROFITS

There are many nonprofit organizations, such as the Home Solution program, that help first-time borrowers. Sometimes the seller will pay 3 percent of the sale of the home, plus a fee, to the nonprofit. The organization then loans the buyer that 3 percent at closing time for use as the down payment. And the Federal Housing Administration generally insures both Gift and Non Profit Loans.

There are also programs run by nonprofits to help low-to-moderate-income people purchase homes. One such program is the Habitat for Humanity Cheap Jerseys From China , which requires buyers to contribute by working on their own home as well as the homes of others.

Additionally, housing finance agencies in many states offer special loan programs for low- to moderate-income buyers. Fannie Mae, the biggest buyer of mortgages, offers loans through housing finance agencies that require down payments of as little as 1 percent or $500, whichever is less.

NO-DOWN and LOW-DOWN

Another option available is the no- and low-down payment loans. These types of loans Cheap Jerseys China , however, have the disadvantage of requiring costly mortgage insurance. Mortgage insurance benefits the lender in cases where a borrower defaults on the loan.

But, there are ways around this hurdle. A person can avoid mortgage insurance by getting a "piggyback loan." A piggyback is a home equity loan borrowed on top of a primary mortgage. For example, one could put 5 percent down, get a primary mortgage for 80 percent of the home's price Cheap Jerseys ,. Wholesale Jerseys China Wholesale Jerseys From China Wholesale Jerseys Online Wholesale Authentic Jerseys Wholesale Jerseys China Wholesale Jerseys Cheap Wholesale Jerseys China Cheap Wholesale College Jerseys Wholesale Basketball Jerseys Wholesale Basketball Jerseys