- “Have patience with all things, but chiefly have patience with yourself.” Unknown
- “As every thread of gold is valuable, so is every moment of time.” Unknown
- “Despair will only keep you stuck where you are. Choose to exchange it for a good dose of inspiration.” ” Unknown
Burdens: If the burdens you’re carrying are feeling too heavy, consider if you’re burdened by what God has asked of you, or by what you’ve asked of yourself. Be reminded which is truly paramount. (thedailyverse.com)
“Take my yoke upon you, and learn from me, for I am gentle and lowly in heart, and you will find rest for your souls. For my yoke is easy, and my burden is light.” ~Matthew 11:29,30
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True or False: Eating Sugar Tends to Make Children Hyperactive. Is that can of soda causing your kids to bounce off the walls? You’re probably thinking, “Of course! They’re on a sugar high!” Parents and teachers often claim that eating sugar causes hyperactivity and behavior problems in children. However, numerous scientific studies have examined this claim, and none have found a connection between sugar or artificial sweeteners and hyperactivity. (healthlibrary)
Evidence for the Health Claim – The idea that food can impact behavior was first introduced in 1973 by allergist Benjamin Feingold. Since then, studies have found that parents who expect sugar to affect their children are more likely to perceive their children as hyperactive after eating sugar or drinking sugary drinks than a nonbiased observer would.
Evidence Against the Health Claim – A number of researchers have investigated the “sugar hypothesis.” For example, Wolraich and colleagues put children aged 3-10 on three different diets for three consecutive three-week periods. The children were either preschoolers, or grade school children. The children were given either one diet high in sucrose, one high in an artificial sweetener, and one high in saccharin (a sweet substance that has no effect on behavior) during each three-week period. The children, parents, and researchers did not know which diet the children were on…
Observations of behavioral and cognitive performance factors found that there were no significant differences between the three diets for the “sugar sensitive” children. There is no evidence that consuming sugar or aspartame can make a child with a normal attention span hyperactive. Although sugar does make energy available to the body, it does not increase excitement or activity.
Six Insurance Tips For Homeowners: Smart ways to lower your premiums. Homeowners’ insurance isn’t a luxury, it’s a necessity. In fact, most mortgage companies won’t make a loan or finance a residential real estate transaction unless the buyer provides proof of coverage for the full or fair value of the property (usually equal to the purchase price). In this article, we’ll show you some simple actions you can take to make sure your homeowners’ insurance is sufficient for your needs. Homeowners’ insurance can be very expensive. In fact, those in high-risk areas are often forced to pay annual premiums in the many thousands of dollars. But even homeowners in relatively sedate, suburban neighborhoods could pay between $500 and $1,000 a year for a basic policy. The good news is that although you can’t (and shouldn’t) avoid purchasing homeowners’ insurance, there are ways to minimize the cost. (Forbes)
Here are six ways to make sure you get the right coverage and consequent compensation for your home:
- Maintain a Security System and Smoke Alarms – A burglar alarm that is monitored by a central station, or that is tied directly to a local police station, will help lower the homeowner’s annual premiums, perhaps by 5% or more. In order to obtain the discount, the homeowner must typically provide proof of central monitoring. Smoke alarms are another biggie. While they are standard in most modern houses, installing them in older homes can save the homeowner 10% or more in annual premiums. Of course, even more importantly, they could save your life!
- Raise Your Deductible –Like health insurance or car insurance, the higher the deductible the homeowner chooses, the lower the annual premium. However, the problem with selecting a high deductible is that smaller claims/problems such as broken windows or damaged drywall from a leaky pipe, which typically will cost only a few hundred dollars to fix, will most likely be absorbed by the homeowner.
- Look for Multiple-Policy Discounts –Many insurance companies give a discount of 10% or more to their customers that maintain other insurance contracts with the company (such as auto or health insurance). Consider obtaining a quote for other types of insurance from the same company. Several insurance companies -offer two-policy discounts.
- Plan Ahead for Construction –If the homeowner plans to build an addition to the home or another structure adjacent to the home, he or she should consider… 1. the materials that will be used. Wood-framed structures (because they are highly flammable) will cost more to insure. Cement or steel-framed structures will cost less because they are less likely to be damaged or destroyed. 2. a swimming pool. Pools and other potentially injurious devices (like trampolines) can drive annual homeowners’ insurance costs up by 10% or more.
- Pay Off Your Mortgage –Obviously this is easier said than done, but homeowners that pay off their mortgage debts will most likely see their premiums drop. Why? It’s simple: The insurance company figures if you own your home outright, you’ll take better care of it.
- Make Regular Policy Reviews and Comparisons –Investors should, at least once per year, compare the costs of other insurance policies with their own. In addition, they should review their existing policies and make note of any changes that might have occurred that could lower their premiums. Example, perhaps the homeowner has disassembled the trampoline, paid off the mortgage and installed a burglar alarm or a sophisticated sprinkler system inside his or her home. Simply notifying the insurance company of the change(s) and providing proof could significantly lower insurance premiums. Look for changes in the neighborhood that could reduce rates as well. Example, the installation of a fire hydrant within 100 feet of the home. may lower the homeowner’s annual premiums.