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Using quotes in your speaking and writing is a great way to express yourself in an interesting and clever manner, as long as it’s not overdone. Sometimes you can find a quote that says exactly what you want it to express better than you could have said it yourself. Sometimes a quote is just a way of providing a bit of contrast to an otherwise dry presentation. When you have a great source of quotations such as that offered on the internet, you can expand your horizons far more than you would be able to find in just a printed document.

There are a number of reasons why the internet is a better source of quotations than what you would be able to obtain in a book or compilation. First, you have the timeliness of the material. You can look on the internet and find words on almost any subject in the current events field. If it’s in the national or world news, somebody has said something about it that is worthy of note, usually. Sometimes these short quotes are used in news stories whether published or on television. They may even become a catch phrase for a campaign or subject.

Another reason for using the internet as the source of your quotations is that you have so many more to choose from. These sayings are available from people in all different historical and cultural eras so you have a rich source of viewpoints much beyond a local or even national source. Using a textbooks means you only see the sources that are selected by the editors as being worthy of attention. While they may be a good cross section of viewpoints, invariably there will be some bias that enters into the picture.

When you use the internet for your quotes, you will find it easier to locate the exact sentiment that you want to express, thanks to the ability to zero in on a word or a phrase. Search engines allow you to find links to many different subjects and by working with the site search capabilities, you may even be able to refine your word search even further. Using keyword searches may help to better define what you are trying to say. Sometimes we remember a famous or common saying slightly different than they original was presented. This can be a good thing in some instances, but can also be a disaster if it skews the meaning of what you were trying to present.

Quotations used for the purpose of talks and presentations are more often than not humorous. It’s important to make sure that the humor fits the occasion and that it is not offensive to anyone in the group that may be listening. These sayings or one liners will often be popular with comedy routines for amateurs and professionals alike. When appropriately used, the humorous sayings can enliven a sermon, brighten up a sales talk or hype a sales campaign. So, next time you are looking for a great way to wind up a speech, check the internet for just the right touch.

Quotesdaddy is the best place where you can download and get Philosophy Quotes and all type of quotes. So enjoy Humorous Quotes at Qotesdaddy.

Here’s a science activity that finds the kids’ entrance to analytic thinking. Classifying and interpreting data go hand in hand with scientific procedure. This activity generates discussion, bolsters confidence, and rings with laughter in the process of analyzing household items.

Here’s what you do:

The activity begins with a data collection adventure. Search around the house with your child for ten things that start with the letter b. After that, search for ten things that start with the letter c. Make a list of the items as you’re going around the house (make sure the lists are labeled).

To make the data hunt more interesting, turn it into a challenge by using a timer. An oven timer will work just fine. Compare the times to determine which set of data was more difficult to collect.

Limitation: items must have weight. Things like blue, bouncy and beautiful are out. Things like boot, ball and bell are in.

Now take your lists to the kitchen table and begin the process of classifying and interpreting the data. Many of the classifications are zany, to say the least. The intention is to bring fun and laughter to the process.

1. Start by asking which item on each list is the smallest. For example, bean might be the smallest item on your first list, and clock might be the smallest item on your second list. Put a check mark next to those items.

2. Ask which of the items are the biggest. Bed might be the biggest item on the first list, and coat might be the biggest item on the second list. Put a square around those items.

3. Can you make a soup out of it? Go down the list and analyze each of the items. Consider the following, for example:

-corn

-cards

-chair

-celery

Can you make a soup out of corn? How about cards? Record your answers.

4. If it were twice as big, could you still use it? Go down the list and analyze each of the items. Consider the following items, for example:

-ball

-boot

-bowl

-brush

Could you still use a ball if it were twice as big? How about a boot? Record your answers.

5. Does Grandma have one in her house? Go down the list and analyze each of the items. Consider the following, for example:

-computer

-cat

-couch

-crown

Does grandma have a computer in her house? How about a cat? Record your answers.

6. If it were green, would you still want it? Go down the list and analyze each of the items. Consider the following, for example:

-banana

-bed

-book

-blouse

Would you want a green banana? How about a green bed? Record your answers.

7. If an elephant sat on it, would it still be any good? Go down the list and analyze each of the items. Consider the following, for example:

-couch

-crayon

-clock

-costume

Would an elephant break your couch? How about a crayon? Record your answers.

8. Is it easy to rhyme? Go down the list and analyze each of the items. Consider the following, for example:

-bell

-button

-broom

-butter

Is bell easy to rhyme? How about button? Record your answers.

9. Would you want ten more? Go down the list and analyze each of the items. Consider the following, for example:

-cat

-clock

-cup

-curtain

Would you want ten more cats? How about ten more clocks? Record your answers.

10. Is it something you might take with you to the zoo? Go down the list and analyze each of the items. Consider the following, for example:

-boots

-brownies

-bottle

-books

Would you consider taking boots to the zoo? How about brownies? Record your answers.

At this point each of your lists should look like a chart. If you used symbols, then make a symbol guide on the bottom corner or back of the paper—the kind you see in the lower corner of a map. For example, if you used G for grandma and 2x for twice as big, then write:

G = grandma

2x = twice as big, etc

This way you can refer to the charts later without struggling to interpret the symbols.

Keep your charts in a folder so that as they accumulate (as you make lists of items that start with different letters) you can compare the data–for example, how long it took to gather each set of items. Or–which list has more of something. For example, 7/10 of the items in list b would break if an elephant sat on them, but only 5/10 items in list c would break. Lastly, don’t overlook the opportunity to compare your answers with what mom, dad or a neighbor thinks. After all, it’s not everybody who’s willing to part with a green boot.

Anthony Vecchioni runs http://spaghettiboxkids.com –a parenting site that offers specific strategies, tips and activities to enhance child learning. Read more About Anthony Vecchioni.

We all want to be happy. But what is happiness? Is it the same for everyone? How do we know if we’re happy? And can anyone be happy all of the time? How can we find happiness? These questions come to mind when we speak of life happiness.

Our perception of life happiness is as individual as the way we perceive hot or cold. It’s sort of the same for all of us, yet it’s different too. No two people are exactly alike, so neither can our description of what makes a life happy be the same.

Webster’s Dictionary says happiness is: A state of well-being and contentment

An online dictionary says happiness is:

1. Characterized by good luck; fortunate

2. Enjoying, showing, or marked by pleasure, satisfaction, or joy

So, if we use these definitions, in order for us to say we are happy we would be fortunate, showing pleasure and feeling content. That makes sense. Most of the people that we think are happy usually show these characteristics, so lets use this definition and go from there.

Can I have life happiness if I don’t think I’m fortunate? Hmmm, that’s an interesting question isn’t it? Most people are happy when they feel fortunate or blessed by good luck, and most people who feel unfortunate or feel like they have lots of bad luck are unhappy. BUT, perception is everything.

A person can break their leg in a skiing accident (bad luck) and still be happy and smiling because they feel blessed and fortunate (probably because they didn’t break both legs!). They might be happy because they know that their leg will heal, and because they were having such fun skiing (up until they ran into the tree at 100 miles/hour!!)! Get the picture?

Or a person could have what most of us would call good fortune and still seem not to have life happiness. There is an art to happiness, and some of us know it and some of us don’t, but we all can learn.

Is life happiness the same for everyone? Probably not, even though the normal signs of happiness listed above in the dictionary definitions probably show up in every person who is happy. Different things make different people happy, so happiness and the pursuit of happiness cannot be the same.

For example: I am a quiet type of person who loves to work from home and socializes only once or twice a week. You may be a very gregarious person who works in an office full of people and lunches with a different person each day and goes to a party every Saturday evening.

We’re both happy, but our lifestyles are very different. Besides that, what you view as something that would produce happiness may not be a priority for me. Maybe it makes you happy to go on wonderful ski vacations twice a year. It might make me happy to go on wonderful vacations in my back yard and to squirrel my money away. Both situations are right, and we are both happy.

How do you know if you’re happy? The best way to tell if you are happy is to ask yourself how you are feeling. Really feeling. Do you feel at ease, relaxed and OK with how things are going on a pretty consistent basis? Then you’re probably happy. Feel your body. Is your body relaxed, does it feel calm? You’re probably happy.

Remember, happiness doesn’t come from anywhere but inside. If you are in tune with what is right for you, you will be happy. If you are trying to live someone else’s definition of authentic happiness, you probably won’t be.

Can anyone have authentic happiness all the time? Yes! Well, OK, if a terrible tragedy strikes, you probably won’t be happy at that time. But, you can work through the tragedy and the accompanying emotions knowing that life happiness can and will return when you’ve taken time to properly allow healing. Otherwise, yes. You can be happy all the time. Maybe not jumping up and down and laughing happy every moment, but peaceful content happy, certainly, and that’s equally valuable. Life’s small irritants come and go each and every day.

We have a choice whether we greet them with a calm smile or with an angry frown. Either is fine, but the calm smile will help you navigate life in a more happy state of being, and help you find happiness on a consistent basis. Remember, the art of happiness has a lot to do with perception.

Recent research shows what many of us have long suspected. Happiness, and the pursuit pg oy has more to do with an individual’s perception and what’s going on inside that person, than money, fame, or power. Even though those things may bring a feeling that is like happiness, it is attached to those things. Real happiness is much more attached to how a person perceives life. Luckily, if you are the type of person who has a “glass half empty” outlook on life, you can learn to have a “glass half full” attitude which will gain you happiness.

Winsome’s special topics include Personal Development, Setting goals, Life Happiness and self growth

For free e-books, tools and information about Life Happiness go to:

http://www.4lifeselfhelp.com

A recent article spurred my reoccurring thoughts about the growth of what I think of as environmental diseases. As a Green Consultant trainer, I have often spoken of the rise of immune related illnesses that parallel our country’s increased use and fondness for chemical laced and petroleum derivative products. This report only added to my belief that we are cleaner and more sanitized, but we are also weakened by the products we use in our homes and offices. An AP medical report says,

“In 2007, approximately 3 million children under the age of 18 were reported to have had a food or digestive allergy in the previous 12 months, compared to slightly more than 2.3 million children (3.3 percent) in 1997, according to the report from the U.S. Centers for Disease Control and Prevention.”

This same report says food allergies are up by 18%, but similar trends are being seen in asthma. Asthma cases have more than doubled since 1980, and that is more than a population issue. Some report that we are “too clean” and “too sanitized” to allow fetal and early childhood immunities to develop. Realize that the non-affected people are eating the same food, breathing the same air, and living in similar situations. So, why them and not me? Most of us are IMMUNE to these irritants and can tolerate repeated exposure without much more than minor discomfort. Others are not, and it seems that this is not just a sanitation or medical issue. I feel that we are continually wearing away our immune system, and it is not merely a dietary replacement or vitamin issue.

Every American, and even third-world citizens, live in a ” Toxic Soup ” when it comes down to Indoor Air Quality (IAQ). This invisible contamination may be like a fish tank that has gone too long between changes. The water is still wet, but it is filled with build ups of toxic substances that will eventually sicken and kill the fish. Every person knows that a healthy aquarium is a careful balance of ingredients and removal of toxins. Our atmosphere is air, and it too can be filled with some pretty incredible stuff. Did you know that formaldehyde is common in many construction material and furniture, and that it outgasses for months into the air we breath? The smell of bleach, fresh paint, new carpet, and new furniture are nasty fumes called volatile organic compounds (VOC) that have proven acute and chronic health affects?

Into this same Toxic Soup, you must add the air fresheners, cleaning products, window cleaners, toilet sprays, detergents, sanitizers, and polishes that are frankly filled with multi-syllabic named chemicals that are potential health hazards. You will also find cigarette ash, arsenic, lead, dust mite feces and scales, pollen, pet dander, and dust particles of all types. We also anoint ourselves with cologne, perfumes, deodorant, cosmetics, hair spray, and body lotions that leave a trail of pleasant scents. We use bleach and ammonia products that are frankly dangerous products, and we sprinkle carpet deodorizer throughout house.

Bioaccumlation refers to the compounding affect of all these ingredients that are like layers of paint on an old house. It doesn’t make the house better, it just covers up the obvious flaws. Biomagnification means that some ingredients actually heighten the impact of other ingredients already floating around. In the end, we are like the fish trapped in a toxic tank of bad water. Breathing is one of the first indicators that something is wrong, headaches will follow, and then comes a failing of health with illness and lethargy. These are symptoms that there is something wrong. Years ago when bowling alleys allowed smoking, I would get a splitting headache after thirty minutes in these places. After I left, so did the headache. Could it have been the air? Have you ever driven behind a diesel bus blowing black smoke at you as your travel behind it? Many people get that same kind of acute headache that passes when they get back into fresh air.

Therefore, I have a theory that is supported by a good body of science which I cannot quote but clearly says that food allergies, asthma, chemical sensitivity, ADD, ADHD, and other diseases like cancer and auto immune disease are hitting us more often because we have weakened immune systems. Our immune system is not weak from fighting the normal stuff out there, but the artificial stuff that hits it 24/7 and all year long. Though a theory, I feel strongly convinced that we are using chemical and petroleum-based products to such an extreme that it is killing us … or at least setting us up for the kill.

This may sound very “retro,” but there is a need to return to our grandmother’s way of cleaning. It may not have been as sanitary or beautifully-scented as your store-bought products, but it produced a healthier and more robust generation than now. Don’t be enticed by the commercial that brag about being “New and Improved.” These products have been improved by adding yet another chemical that will likely further harm your family. Take some lesson from Naturally Green Clean author, and discover that anyone can clean their home using just a few commonly available ingredients. Better yet, you will save a ton of money while your family enjoys a respite from the toxic soup for a while.

Giving your family the gift of health is not a call to a higher level of cleaning, but a lower level of toxins that we all purchase at exorbitant prices. Does it amaze you that people pay huge prices to buy cigarettes that are sure to kill them? In yet another fool’s errand, isn’t it strange that we that we are such addicts to cleaning products that smell pleasant but are poisoning us too. If what you are using promises to blind, scar, sicken, or kill you if your ingest it; why on earth are you bringing it home to be spread throughout your home? Cleaning is not a technically difficult task. It does not require scrubbing bubbles, foaming action, or a 99.9% germ killing action. Natural and organic products are just as effective at cleaning, killing germs, and dissolving grease. Pick up a books and learn how to give your family the fundamental gift of life by making the air they breathe safe. Your reward will be in the hardship and suffer that you will never see in life of the people you love.

Michael Richmond is the director of the Green Clean Institute, and highly recommends the book Naturally Green Clean that explains how to clean your home naturally.

When you read a quotation from some enlightened author, you’re getting right down into their best material. There’s no need to sift through hours of pages in order to find the best stuff; the best stuff is in the quote!

This is why I’ve spent years reading books of quotations. Can you imagine the wisdom buzz a person can get from that? Sure, you often have to read boring quotes, but every little while you’ll run into a real good one! And when this happens, your mind is stretched, your eyes are opened, and it can become an amazing intellectual or spiritual experience. And then you start over, because it becomes addictive.

Here are ten motivational quotes based on the topics of aspiration and life that I have always loved. Take the time to dig through them and glean the great lessons that they hold.

1. When a young man sets out to learn something of his own free will, he marks himself out as an exceptional man. And he begins to rise in the world. -Herbert N. Casson

2. Life is a petty thing unless it is moved by the indomitable urge to extend its boundaries. Only in proportion as we are desirous of living do we really live. - Jose Ortega y Gasset

3. It is asked, how can the laboring man find time for self-culture? I answer that an earnest purpose finds time or makes it. It seizes on spare moments and turns fragments to golden account. A man who follows his calling with industry and spirit, and uses his earnings economically, will always have some portion of the day at command. And it is astonishing how fruitful of improvement a short season becomes when eagerly seized and faithfully used. It has often been observed, that those who have the most time at their disposal profit by it the least. A single hour a day, steadily given to the study of some interesting subject, brings unexpected accumulations of knowledge. -Channing

4. Restlessness is discontent and discontent is the first necessity of progress. Show me a thoroughly satisfied man and I will show you a failure. -Thomas Edison

5. I am suffocated and lost when I have not the bright feeling of progression. -Margaret Fuller

6. I know of no more encouraging fact than the ability of a man to elevate his life by conscious endeavor. It is something to paint a particular picture, or to carve a statue, and so make a few objects beautiful. It is far more glorious to carve and paint the very atmosphere and medium through which we look. This morally we can do. -Thoreau

7. What would be the use of immortality to a person who cannot use well a half hour? -Emerson

8. Twenty years from now you will be more disappointed by the things you didn’t do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover. -Mark Twain

9. If one advances confidently in the direction of his dreams, and endeavors to live the life which he imagined, he will meet with a success unexpected in common hours. In proportion as he simplifies his life, the laws of the universe will appear less complex, and solitude will not be solitude, nor poverty poverty, nor weakness weakness. -Thoreau

10. 1) Sit quietly for a moment, and you realize how you have been foolishly running about.
2) Learn to keep your mouth shut, and you realize you have been talking too much.
3) Avoid getting involved in too many things, and you realize that you have been wasting your time in unnecessary things.
4) Close the door, and you realize that you have been mixed up with too many kinds of people.
5) Have few desires, and you realize why you have had so many ills.
6) Be human, and you realize that you have been too critical of others. -Chen Chiju (1588-1639)

If you liked these motivational quotes, make sure to sign up for the thought for the day at HappyPublishing.com. There’s a great new quotes page there on hardship quotes.

Here’s a science activity that finds the kids’ entrance to analytic thinking. Classifying and interpreting data go hand in hand with scientific procedure. This activity generates discussion, bolsters confidence, and rings with laughter in the process of analyzing household items.

Here’s what you do:

The activity begins with a data collection adventure. Search around the house with your child for ten things that start with the letter b. After that, search for ten things that start with the letter c. Make a list of the items as you’re going around the house (make sure the lists are labeled).

To make the data hunt more interesting, turn it into a challenge by using a timer. An oven timer will work just fine. Compare the times to determine which set of data was more difficult to collect.

Limitation: items must have weight. Things like blue, bouncy and beautiful are out. Things like boot, ball and bell are in.

Now take your lists to the kitchen table and begin the process of classifying and interpreting the data. Many of the classifications are zany, to say the least. The intention is to bring fun and laughter to the process.

1. Start by asking which item on each list is the smallest. For example, bean might be the smallest item on your first list, and clock might be the smallest item on your second list. Put a check mark next to those items.

2. Ask which of the items are the biggest. Bed might be the biggest item on the first list, and coat might be the biggest item on the second list. Put a square around those items.

3. Can you make a soup out of it? Go down the list and analyze each of the items. Consider the following, for example:

-corn

-cards

-chair

-celery

Can you make a soup out of corn? How about cards? Record your answers.

4. If it were twice as big, could you still use it? Go down the list and analyze each of the items. Consider the following items, for example:

-ball

-boot

-bowl

-brush

Could you still use a ball if it were twice as big? How about a boot? Record your answers.

5. Does Grandma have one in her house? Go down the list and analyze each of the items. Consider the following, for example:

-computer

-cat

-couch

-crown

Does grandma have a computer in her house? How about a cat? Record your answers.

6. If it were green, would you still want it? Go down the list and analyze each of the items. Consider the following, for example:

-banana

-bed

-book

-blouse

Would you want a green banana? How about a green bed? Record your answers.

7. If an elephant sat on it, would it still be any good? Go down the list and analyze each of the items. Consider the following, for example:

-couch

-crayon

-clock

-costume

Would an elephant break your couch? How about a crayon? Record your answers.

8. Is it easy to rhyme? Go down the list and analyze each of the items. Consider the following, for example:

-bell

-button

-broom

-butter

Is bell easy to rhyme? How about button? Record your answers.

9. Would you want ten more? Go down the list and analyze each of the items. Consider the following, for example:

-cat

-clock

-cup

-curtain

Would you want ten more cats? How about ten more clocks? Record your answers.

10. Is it something you might take with you to the zoo? Go down the list and analyze each of the items. Consider the following, for example:

-boots

-brownies

-bottle

-books

Would you consider taking boots to the zoo? How about brownies? Record your answers.

At this point each of your lists should look like a chart. If you used symbols, then make a symbol guide on the bottom corner or back of the paper—the kind you see in the lower corner of a map. For example, if you used G for grandma and 2x for twice as big, then write:

G = grandma

2x = twice as big, etc

This way you can refer to the charts later without struggling to interpret the symbols.

Keep your charts in a folder so that as they accumulate (as you make lists of items that start with different letters) you can compare the data–for example, how long it took to gather each set of items. Or–which list has more of something. For example, 7/10 of the items in list b would break if an elephant sat on them, but only 5/10 items in list c would break. Lastly, don’t overlook the opportunity to compare your answers with what mom, dad or a neighbor thinks. After all, it’s not everybody who’s willing to part with a green boot.

Anthony Vecchioni runs http://spaghettiboxkids.com –a parenting site that offers specific strategies, tips and activities to enhance child learning. Read more About Anthony Vecchioni.

A forex calendar (also called a foreign exchange calendar or an economic calendar) is one which is designed to help traders and investors learn about upcoming major economic information, such as the consumer price index, private medical insurance rates, and unemployment rates. Even government reports are included. These calendars operate on a much shorter time scale and they are generally released every hour or so.

There are many tools at the disposal of a global trader and the forex calendar is an integral one. One can hardly make decisions (or be informed about a managed account) if one does not know the current state of the market, and keeping tabs on a forex calendar is an easy way to do just that. This, in conjunction with sharing trade strategies or advice across the web, can really give a relatively new trader that extra edge. The calendars make it easy and quick to keep up with recent economic events. Although the foreign exchange market is extremely stable, even small events can cause brief ripples in the market and give a patient, observant investor time to slip in and make a tidy profit.

One can hardly consider oneself up-to-date with economics without paying at least some attention to the global currency exchange. It is one of the largest and certainly the most stable market currently available (not to mention the fact that it is widely considered to be perfect competition), and offers trading opportunities on a wide variety of scales, from individual to corporate, from small amounts of bills to huge transactions. There is a lot to keep informed about, and forex calendars can certainly help.

Without the aid of forex calendars, investors would hardly know when to act (and even still, what action to take!). It is highly recommended that the budding investor (or long-time traders who want to be sure to stay in touch with the market) pay close attention to the information offered by the foreign exchange calendars. If you are going to react quickly and effectively to the ever-changing foreign exchange market, you will have to make absolutely sure you know what is happening, and when. It probably is not a bad idea to check a calendar several times a day and record any changes to the market, which would allow the savvy investor to react accordingly. Want to get the most out of your account? Be sure to check a calendar.

Find the best information on forex training. Rick Williamson researches forex information at Forexebookstore.com.

Here’s a science activity that finds the kids’ entrance to analytic thinking. Classifying and interpreting data go hand in hand with scientific procedure. This activity generates discussion, bolsters confidence, and rings with laughter in the process of analyzing household items.

Here’s what you do:

The activity begins with a data collection adventure. Search around the house with your child for ten things that start with the letter b. After that, search for ten things that start with the letter c. Make a list of the items as you’re going around the house (make sure the lists are labeled).

To make the data hunt more interesting, turn it into a challenge by using a timer. An oven timer will work just fine. Compare the times to determine which set of data was more difficult to collect.

Limitation: items must have weight. Things like blue, bouncy and beautiful are out. Things like boot, ball and bell are in.

Now take your lists to the kitchen table and begin the process of classifying and interpreting the data. Many of the classifications are zany, to say the least. The intention is to bring fun and laughter to the process.

1. Start by asking which item on each list is the smallest. For example, bean might be the smallest item on your first list, and clock might be the smallest item on your second list. Put a check mark next to those items.

2. Ask which of the items are the biggest. Bed might be the biggest item on the first list, and coat might be the biggest item on the second list. Put a square around those items.

3. Can you make a soup out of it? Go down the list and analyze each of the items. Consider the following, for example:

-corn

-cards

-chair

-celery

Can you make a soup out of corn? How about cards? Record your answers.

4. If it were twice as big, could you still use it? Go down the list and analyze each of the items. Consider the following items, for example:

-ball

-boot

-bowl

-brush

Could you still use a ball if it were twice as big? How about a boot? Record your answers.

5. Does Grandma have one in her house? Go down the list and analyze each of the items. Consider the following, for example:

-computer

-cat

-couch

-crown

Does grandma have a computer in her house? How about a cat? Record your answers.

6. If it were green, would you still want it? Go down the list and analyze each of the items. Consider the following, for example:

-banana

-bed

-book

-blouse

Would you want a green banana? How about a green bed? Record your answers.

7. If an elephant sat on it, would it still be any good? Go down the list and analyze each of the items. Consider the following, for example:

-couch

-crayon

-clock

-costume

Would an elephant break your couch? How about a crayon? Record your answers.

8. Is it easy to rhyme? Go down the list and analyze each of the items. Consider the following, for example:

-bell

-button

-broom

-butter

Is bell easy to rhyme? How about button? Record your answers.

9. Would you want ten more? Go down the list and analyze each of the items. Consider the following, for example:

-cat

-clock

-cup

-curtain

Would you want ten more cats? How about ten more clocks? Record your answers.

10. Is it something you might take with you to the zoo? Go down the list and analyze each of the items. Consider the following, for example:

-boots

-brownies

-bottle

-books

Would you consider taking boots to the zoo? How about brownies? Record your answers.

At this point each of your lists should look like a chart. If you used symbols, then make a symbol guide on the bottom corner or back of the paper—the kind you see in the lower corner of a map. For example, if you used G for grandma and 2x for twice as big, then write:

G = grandma

2x = twice as big, etc

This way you can refer to the charts later without struggling to interpret the symbols.

Keep your charts in a folder so that as they accumulate (as you make lists of items that start with different letters) you can compare the data–for example, how long it took to gather each set of items. Or–which list has more of something. For example, 7/10 of the items in list b would break if an elephant sat on them, but only 5/10 items in list c would break. Lastly, don’t overlook the opportunity to compare your answers with what mom, dad or a neighbor thinks. After all, it’s not everybody who’s willing to part with a green boot.

Anthony Vecchioni runs http://spaghettiboxkids.com –a parenting site that offers specific strategies, tips and activities to enhance child learning. Read more About Anthony Vecchioni.

Commercial hard money is in its “hay day” at the moment. As conventional sources continue to tighten their underwriting guidelines commercial hard money is, for the most part flourishing. Never before have private money lenders been in such a strong position to “cherry pick” deals. In fact, many hard money lenders are raising their underwriting criteria to the point that they match previous conventional guidelines.

Many commercial loan requests that fit the conventional underwriting box 6 months ago, now find that there only viable option is hard money. Borrowers are often shocked and or angry at the terms offered. Interests in the teens with 3-6% points are market. You can’t blame the borrower for being outraged. It just seems ridiculous.

But the reality for many borrowers that have already exhausted all other options, face either losing their property, losing their business (or both) or have to take on a partner. All of these alternatives are more expensive, often much more expensive, than a commercial hard money loan. For example if you have a building worth $2,000,000 with an existing $500,000 loan and are requesting a $1,000,000 loan amount, you’ll pay out $30,000 - to $60,000 in fees vs. losing $1,500,000 in equity. It’s that simple.

Taking on a partner is often thought of as a viable alternative. However, there are many challenges with this strategy as well. First of all you have to find a partner, that has cash and that will blend with the company and your business goals. How much control and ownership of the property and business will you have to give up? The math is as simple as the above example. Give up 50% or pay 6% in fees…

Nobody likes the terms offered. Hard money lenders have much at stake as well and stand to lose millions on one bad deal. Taking borrowers through foreclosure is no cake wake and is very expensive for the lenders, which is a very likely outcome that they often face.

Commercial Hard money will likely remain in a very strong position for as long as our credit crisis continues.

Jeff Rauth is President of Commercial Finance Advisors, Inc out of Birmingham, Michigan. He has a STORE for commercial loan brokers. Contracts, spreadsheets, books, etc. Products starting at $4.95! Check it out commercial mortgage loans or Hard Money Commercial Loans

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