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Almost everyone has heard about the legal proceedings regarding the distribution of music files online. Regardless of which side of the issue someone mind find themselves on, downloading music on the Internet has struck a chord with nearly everyone. For someone who owns or plans to own an MP3 player it is important to play by the rules to ensure they don’t wind up in the middle of this ugly fight. Here are a few online sources for downloading digital music legally that charge reasonable amounts and have respectable names.

1. AOL Music Now–America Online has been a major name in the Internet world since the early nineties and boasts over 1.5 million songs in their database for members to use. AOL’s service is available on a free trial and then for $0.99 per downloaded song.

2. F.Y.E.–After a free trial period, F.Y.E. (a leader in downloadable music) provides 1.2 million songs to choose from for a flat $1 per download.

3. MusicMatch–While MusicMatch does not offer a free trial period, the MusicMatch software will make personal recommendations for its users, among other services. They charge $0.99 per download.

4. MSN Music–Microsoft, another leading name in the Internet and in computers, offers one million songs that are available for $0.99 per download. Like MusicMatch, MSN does not offer a free trial period.

5. Napster–Napster, the name that started it all, is once again one of the premier outlets for music downloads, this time on a monthly membership fee basis. With around one million songs in their database, Napster offers downloads for $9.95 a month on up to three computers. Napster also offers a seven day free trial.

6. PassAlong–Relatively new to the scene, and sporting a smaller database than most download services of around 400,000 songs, PassAlong offers a nice perk in exchange. A member can earn bonus points that reduce the price of future downloads by making recommendations to their friends for certain types of music. PassAlong does not offer a free trial and starts at $0.99 per download.

7. PureTracks–Canadians benefit from WMA files from just $0.99 in Canadian dollars. Puretracks has over 1 million songs.

Barbara Jackson writes for several online magazines, such as products-site.com http://products-site.com and super-reviews.com http://super-reviews.com .

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Overview

On first blush, many investors who are interested in putting money in foreign real estate might flip past Estonia without giving it any thought. Indeed, historically Estonia has not been a country in which foreign nationals have been active in the real estate market. In point of fact, for a significant portion of the history of Estonia, foreign ownership of real estate was prohibited for tightly and highly regulated.

Of course, one of the primary reasons that foreign investors have not been active in the Estonian real estate market historically is the fact that through much of its history, Estonia has been occupied or controlled by other nations.

Over the course of the past decade, as Estonia has gained its independence, the government has worked to liberalize the laws governing the ownership and sales of real estate in that country. This has included opening the door wider to more foreign investment in real estate in Estonia.

While there has not been a rush of foreign nationals buying real estate in Estonia as of this point in time, there is a steady stream of these people buying real estate in different locations in Estonia. Industry analysts believe that the number of people who will invest in Estonian real estate should continue to increase at a steady, but not flooding, pace.

Investment Real Estate

As referenced previously, historically Estonia has not been a country that attracted a great deal of foreign investment in real estate. This is starting to change at this point in time. Thanks to a relaxation of the laws governing foreign investment in real estate, some foreign nationals are taking another look at investing in real estate in Estonia.

In this regard, people who have taken the step of investing in real estate in Estonia are doing so on the gambit that property values in that country will increase as the country becomes more active on the world economic stage. Most analysts believe that this is, in fact, a safe bet.

Primarily, foreign nationals are investing in commercial and residential properties at about an even pace. In many instances, foreign nationals are buying real estate in Estonia and then working to develop it for either commercial or residential purposes. In some areas in the country, foreign nationals have been leading the way in real estate related development projects, particular citizens of European nations.

At the present time, there are no significant restrictions regarding foreign investment in real estate. Again, the government of Estonia has been dedicated to streamlining and liberalizing the real estate sales process — including for foreign nationals.

Residential Real Estate - Single Family Dwellings

The state of the single family, residential real estate market in Estonia varies significantly depending on what part of the country is being considered. For example, in the larger cities in the country, a more concerted effort is being made to develop new residential properties in single family style. In addition, a more concerted effort is being made to rehab and renovate older single family residential properties in Estonia to bring these properties into the 21st century.

In some instances, older residences that were once designed for single families are now being retrofitted to be used as multiple apartment units. Indeed, many of the newly available apartment units in many of the major urban centers in Estonia are in fact rehabilitated residences that once upon a time housed single families.

In the Estonian countryside, there are some stunning and elegant villas and estates that can be purchased for a moderate price. More often than not, these properties do require some renovation work to bring them into livable condition. Some foreign nationals are becoming involved in rehabbing these properties for resale to others.

Residential Real Estate - Apartments

Apartments have attracted the most significant number of foreign nationals to the real estate market at this point in time. Foreign nationals seem to buying apartments in Estonia for two primary reasons.

First, there is a growing number of foreign nationals who are coming to Estonia to take part in the economic development that is beginning to occur in that country. Consequently, these foreign nationals need and require affordable housing while they are in country. By and large, these foreign nationals have found purchasing an apartment for their time in Estonia to be a solid course to take,

Second, some foreign nationals have taken to purchasing apartments for leasing to other individuals, including other foreign nationals. This includes newly developed apartments as well as older buildings and structures that foreign nationals are purchasing and remodeling for usage as updated apartments. These foreign nationals appear to be turning a decent profit by purchasing and investing in these types of apartments. In addition, more foreign nationals are becoming involved in this types of investment as we move further into the 21st century.

Vacation Real Estate

The vacation real estate market in Estonia is only now on the verge of moving forward. Presently, the tourist trade into Estonia is not one of the most significant industries in that country. However, the government as well as certain elements of the private sector are working to attract more visitors and tourists to Estonia each year.

Some foreign nationals have begun to make modest investments in the vacation real estate market. Some foreign nationals have come together with Estonian nationals to develop apartment complexes and some stand alone residences to be utilized by people traveling to Estonia for holiday purposes.

While most real estate analysts do not anticipate an explosion in the vacation real estate market in the immediate future, these analysts do believe that there will be steady growth in this area which will continue to involve foreign nationals. Indeed, there are some attractive resorts that are now in development in Estonia that should be completed within the coming five years.

Successfully Purchasing Real Estate in Estonia:

Specific Steps to Buying Real Property in Estonia

The process of buying real estate in the Republic of Estonia can seem a bit complicated on the surface. With that said, the government of the Republic of Estonia has worked rather diligently to liberalize and modernize the laws governing the buying and selling of real estate in that country. In this regard, a good deal of effort has been expended making it a bit easier for foreign nationals to buy real estate in Estonia.

There are two primary contracts involved in the sale of real estate in Estonia. Both documents are prepared by a notary. Indeed, in Estonia it is mandatory that a notary be involved in the real estate sales process, that a notary prepare these primary documents. (As an aside, in some instances the notary does not need to prepare these documents his or her self. But, if someone else drafts these documents, the notary is legally required to review them in detail to make sure that they meet the requirements of Estonian law and reflect exactly the agreement that has been made between the parties.)

The initial agreement in the Estonian real estate sales process is the sales-purchase agreement. This agreement is prepared by the notary and is executed by the buyer and the seller once the seller makes an offer on the property that is for sale. Generally speaking, once the oral offer is made by the buyer to the seller, the sales-purchase agreement can be prepared and executed with a period of ten to thirty days (depending on what needs to be included in the agreement itself).

During the period of time between the execution of the sales-purchase agreement and the final agreement in the sales process, the buyer obtains financing and the seller makes certain that the property physically and legally is in a position to be conveyed and transferred to the buyer. In addition, during this interim period, the buyer must pay to the government what is known as a state fee — which is in the amount of 0.4% of the value of the real estate being sold and purchased.

The final agreement in the real estate sales process in Estonia is entitled the transfer of ownership in real estate agreement or document. When this document is duly executed by the parties, an application is made to the Land Register Office to transfer the ownership of the real estate from the seller to the buyer. In addition, following the filing of this application, a public notice of the change in ownership of the real estate is published in the Official State Gazette, the official publication in Estonia that publishes legal notices of this nature.

In summary, the process of buying real estate in Estonia does include a number of hurdles that seem confusing and complicated on the surface. But, as has been noted, the laws have been modernized and liberalized in recent years. Chances are quite good that the government of Estonia will continue to work to make the real estate laws in that country a bit more “user friendly” and less cumbersome in the future.

Les Calvert - an authority on overseas property and the Director of www.property-abroad.com/estonia http://www.property-abroad.com/estonia has written thousands of articles on Estonia and other popular countries reagrding purchasing overseas property.

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Many people are afraid of tinkering with their computers because of the fear that they might inadvertently introduce a computer virus into the computer system.

Computer viruses have become the technological bogeyman that scares computer users all over the world. We have all heard of how dangerous computer viruses are and how it can damage your data. Of course, aided by the bloated images Hollywood movies paint with regards to computer viruses, a big majority now have this insane (but mostly unfounded) fears about it.

It is true that computer viruses are dangerous. Anyone who has lost vital information in their computers because of a computer virus will know how big a damage it can cause. But computer viruses are not these insidiously little pieces of code that could wreak havoc on the world. If you know what to do when you get a virus in your computer then you can definitely limit, if not totally stop, the damage it can cause.

But what is a computer virus? Well, it is a software with a small imprint that would usually attach itself on to a legitimate program or software. Every time this program is executed the virus is also executed and it tries to reproduce itself by attaching to other programs or it immediately starts affecting the computer. A computer virus and email virus basically have the same modus operandi, the difference though is that an email virus would attach itself to an email message or automatically send itself using the addresses in the address book in order to infect the people who receive the email.

A computer virus is usually embedded in a larger program, often a legitimate piece of software. The virus will be run when the legitimate software is executed. The computer virus would load itself into the memory of the computer and then it will seek out any programs where it can likely attach itself. When a likely program is found then the virus would modify the file in order to add the virus’ code to the program. The virus would usually run before the actual legitimate program runs. In fact, the virus would usually perform the infection first before it commands the legitimate program to run. This process is so fast that no one would even notice that a virus was executed. With two programs now infected (the original program and the first infected program), the same process would be repeated whenever either program is launched worsening the level of infection.

After the infection phase, or even within the middle of the process of infection, the virus would usually start its attack on the system. The level of attack can range from silly actions like flashing messages on the screen to actually erasing sensitive data.

Fortunately, there are steps that you can do in order to protect your computer from viruses. Among the steps that you can take are:

* The simplest way to avoid a virus is to install a legitimate and effective antivirus program in your computer. The antivirus program is designed to look out for any kind of activity that could be seen as similar to a virus attack or infestation and it automatically stops it.

* You can opt to use a more secure operating system in your computer. For example, Unix is a secure operating system because the security features built into it prevents a virus from actually doing what it is programmed to do.

* Enable Macro Virus Protection in all of the Microsoft applications resident in your computer. Additionally, you should avoid running macros in a document unless you have a good idea of what these macros are going to do.

* Avoid using programs that you have downloaded on the internet especially when they come from dubious sources.

* Never open an email attachment that contains an executable file - these are files with the EXE, COM and VBS extensions.

Matt Gundesen is a certified expert in the field of antivirus software. To download Norton Antivirus as well as many other tools in the battle against computer viruses, please visit: www.antivirusdownload.com http://www.antivirusdownload.com .

AP - Top doctors at the helm of one of the nation’s most influential medical journals are giving the Supreme Court some unsolicited legal advice about a major case.

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Are high credit card fees giving you sleepless nights? Think smart: balance transfers could be an intelligent short-term solution. The following article can be used as an introductory guide and a primer on the use of balance transfers that discusses the intricacies of balance transfer details. Transfer the weight off your shoulders and get a balance transfer credit card with a lower rate of interest. However, make sure to run through the terms and conditions of the new balance transfer card, to make sure you win in the long run.

If you are not really keen on getting a new card, tell your existing company that you want to transfer your balance to another card that offers a much lower rate. Your existing credit card company just might offer you a better deal. If not, then go ahead and call the competition!

So what is so great about balance transfers? Balance transfers to a card with a lower rate can significantly cut down your interest and fees. The most common rate of interest offered by companies on balance transfers is 0% for 3 to 12 months. If you are fortunate and your credit is good enough, you might qualify for a 0% interest card for 12 months on balance transfers and purchases. Be aware, however, that some cards, will link the introductory annual percentage rate (APR) to the billing cycle of the card.

There could be some additional perks available on your balance transfer card as well:

1) Your new card may charge no annual fees.
2) The grace period on payments might be longer.
3) Rewards like cash back on purchases might be available.
4) Discounts from certain retailers, identity theft protection, and even car insurance can be thrown in as well!

How Do I Get One?

You will be required to go through some basic application procedures and paperwork on a balance transfer. You could write a balance transfer on one of the convenience checks that the card issuer will provide after getting approval on the card. These function just like normal checks but there are some things to be aware of, such as expiration dates. Time can cost big money, in this case, with the old interest rates snapping at your heels. How much you can transfer will depend entirely on the credit limit of your new card.

The fees for balance transfers are similar to that of cash advances, but often times, fees will be waived for the very best card offers. If there are associated transfer fees on the card, it is advisable that you avoid transferring small balances, as the transaction fees might undercut your potential savings. Some additional fees on these cards might include:

1) Late Fees: Once the introductory period on your balance transfer ends, you will start incurring finance charges on the remaining balance. Late fees on these card offers are particularly expensive. In order to avoid these exorbitant fees, make sure that you mail payment well in advance of the due date. If you are using an ATM deposit, stay informed about the processing time of your payment. Banks either charge a flat fee, such as $10 or $15, or a percentage, such as 5%, of the minimum payment due, for example

2) Over-Credit Limit Fees: Each time you charge your card beyond the credit limit, the bank has the ability to impose a fee. It is possible that many of these aforementioned fees will gather simultaneously (in addition to interest charges) during the same billing period! Banks usually charge $10 or $15 for this fee or up to 5% of the amount on the exceeded limit amount.

3) Lost Card Replacement Fees: If you ever happen to lose your card, some banks might charge you anything between $5 and $10 for a replacement.

The most important thing to remember regarding balance transfer credit cards is to make all your payments on time and pay off the outstanding balance within the introductory time frame. Usually, there is no grace period offered up for balance transfers and unless you have snapped up an introductory 0% APR, interest will begin to accrue immediately. The calculation can get a little tricky too. Your initial repayments will first go towards clearing the balance transfer amount before making a dent in any outstanding balance created from recent purchases with the card. So if you want to avoid this mess, keep a separate card for balance transfers and another one for regular purchases.

When the Joyride Ends

You should be keenly observant of the expiration date of your promotional offer. Once it ends, you will be charged the normal rate of interest. All remaining purchase and balance transfer amounts will be subject to a much higher APR and significantly higher finance charges.

Your credit history will determine your post introductory APR on your balance transfer credit card. So if this APR is higher than the rate on your old balance transfer card, you could incur more expensive finance charges if you carry a balance from month to month. Just make sure that you transfer your balance to a new card that offers both a lower promotional rate as well as a lower ongoing APR.

Robert Alan recommends that you visit www.creditcardassist.com/balancetransfer/creditcards.html http://www.creditcardassist.com/balancetransfer/creditcards.html for more information on 0% balance transfers.

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Many of you know my feelings about television…*I believe TV is a complete waste of time*. Statistics show that 98% of people will watch 3-5 hours of TV a day either early in the morning, sometimes during the day while on break at their job or when they come home in the evenings.

Some people even have to fall asleep while watching TV, which is *Deadly* to your spirit especially if it’s the news or something like that.

There is one show that I do watch called…

*The Deadliest Catch*

I do recommend this show for one reason and one reason only…

To see the price people are willing to pay, because there is a financial reward at the end of the incredible deadly journey.

Deadliest Catch is about crab fishermen in the Bering Sea of Alaska.

They battle…

- Tremendous Ocean Waves

- Below Freezing Temperatures

- 18-24 Hour Work Shifts - Sleep Deprivation

- Life or Death Work Conditions

The physical price that these men will pay is incredible, because they know there is potential to earn significant monetary rewards at the end of the crab fishing season.

We are in a challenging success race on a daily basis. I say race because you start working towards your success goal, initiate it everyday and focus on the finish line .

But the sad statistic is that 97% of people die on the way to the achievement of the dream.

The challenge is your mental stress that drags you down in which most of you won’t pay this physical and emotional price.

In the Deadliest Catch, they do pay the physical and mental price for just one reward at the end of a long hard season.

The reason that it is called Deadliest Catch is because every season men die. (Yes - lives are lost)

That’s right, every year men lose their lives in the crab fishing season either due to the cold weather, ice storms or slipping and falling overboard.

Yet in the success game, many people will not pay the price because of fear and indecision. (age 65 - 97% dead broke)

Guess what?

You will not physically die from these things!

May I ask you a question?

Why are men willing to pay the price physically over the short period of time during crab fishing season, but many people in the success arena are not willing to pay the price because of mental challenges?

I challenge you to watch the Deadliest Catch and see for yourself the life threatening price that these men pay every single year.

Then ask yourself…

Am I willing to pay the price mentally/physically and visualize my future into existence today?

I believe you will.

Go for it!

Commit to it!

Live your dream!

Realize you are never going to die because of the mental challenges you may face, but I know I wouldn’t make it through 24 hours on the crab fishing boat. (I do not believe I would make it 2 hours)

I would probably die within the first 24 hours yet for the last 16 years I have been stretching and growing in success process.

Go for it!

Live your dream!

Remember…

You will live not physically die on your success journey but your *Why will die* if you Quit!

John Di Lemme shocks millions globally by exposing the truth about how to achieve monumental life success despite the labels that society has placed on you. Through his award winning live seminars, power-packed training programs, live tele-classes, weekly ezine and website ( www.FindYourWhy.com http://www.FindYourWhy.com ), John Di Lemme has made success a reality for thousands worldwide.

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Coconut cream / milk

Coconut cream is widely used in curries, desserts and cakes.

That’s because it enhances the aroma and tastes of the dishes and can be obtained easily and cheaply. It has a thick, paste-like consistency and when diluted, it is called coconut milk.

However, people avoid coconut cream because of its high fat content. Especially those who want to lose weight.

But do you know that it is good saturated fat which can be easily metabolised or turn into energy fast? That means it does not cause blockages in our arteries.

I’m not suggesting you to indulge in coconut cream, but rather than avoid it altogether, it is alright to eat in moderation. The principle fatty acid in coconut milk is lauric acid, which is the same fat found in abundance in mother’s milk.

When converted to monolaurin, it boosts your immune system and protects your body against many viruses, including hepatitis C, herpes and even HIV!

It also promotes normal brain development and contribute to healthy bones.

It also has important anti-carcinogenic and anti-pathogenic properties which helps to prevent cancer. More importantly, coconut cream is less likely to cause weight gain than polyunsaturated oils. Never know coconut cream can be so good right?

Canned or packaged coconut cream is available in supermarkets. It must be refrigerated once opened and does not last more than a week. Also, do not freeze coconut milk as this causes it to curdle when you next use it in cooking.

Try different brands of canned coconut milk to find the one to your liking. Those with thick cream floating on top of the can with the watery milk below it are proofs that they are not artificially homogenized.

Virgin Coconut oil

Extracted from fresh coconut milk and meat, virgin coconut oil has such an aromatic and flavourful taste that it is used in many

Just like coconut cream, coconut oil reduces bad cholesterol unlike polyunsaturated vegetable oils such as canola, sunflower and safflower oils.

It contains least calorie count among the category of monosaturated oils.

You ladies out there got to know this ! Surprise, surprise ! Coconut oil does speed up metabolism and aids you in shedding off the excess fats !

People of traditional cultures, such as the South Pacific Islands and the Philippines where coconut and palm oils are plentiful, suffer lower rates of obesity and health problems.

Look at our society today - we pile high on our plates food equally high in carbohydrates and polyunsaturated oils which increase our risk of heart diseases and diabetes. Yet we complain about our weight and poor health. It’s a shame !

However, coconut oil is different from other animal oil. Studies have found that it aids in lowering blood pressure and regulate thyroid dysfunction.

Unlike refined oils, it does not turn rancid easily and become toxic to our bodies.

If you have damaged hair, try using coconut oil on your hair and scalp. It has been proven to be a more effective treatment for damaged hair than mineral oil and sunflower oil. That’s because coconut oil is the only oil among the three which effectively reduces protein loss in hair.

Virgin coconut oil is an excellent beauty care product too. Here are some benefits :
1) it penetrates and moisturises the skin
2) minimise damage from sun exposure that causes sagging, wrinkling and blemishes
3) removes dead skin cells, producing an even texture and glow
4) heals damaged or diseased skin

Sometimes, wonderful remedies can be within your reach and in abundance, only if you look hard enough.

In this case, it is the Coconut.

Laura Ng

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Years ago I gave a consulting client a one-word solution to overcoming his business challenges. The one word was, “FOCUS.”

At our weekly meetings I emphasized the importance of focus for this successful entrepreneur seeking even greater success. We worked closely together to help him stay on track with his business goals. It was during this period that I really learned how powerful the concept of focus is, and why so many individuals whether they’re entrepreneurs, salespeople, managers, or other achievers find focusing hard to do.

Many popular authors and speakers talk about the importance of focus. I have found, however, their emphasis is typically centered on goal setting, habits, and will power. These are, of course, vital to the process of reaching our objectives, but I do not think these ideas really hit the sweet spot of what focus is all about - nor are they on point with the typical challenges most of us have with focus. In fact, I believe most personal development authors simplify the concept of focus and promote a sort of “focus mythology.” That is, that individuals who are somehow missing the mark are not focused.

Let me give you the reality.

The entrepreneur not reaching his or her revenue and profit goals, but working 16 hour days is probably very focused. The salesperson making call after call and still not reaching his or her performance goals is probably focused as well. The athlete faced with making a critical play during the big game but finds the effort unsuccessful is also focused. All of these individuals have goals that are important to them; they are probably working at the most important thing and what they do best, and putting in extra effort to make it happen. But that, in my judgment, isn’t what focus is really about. In reality, it’s only the beginning.

To really unleash the power of focus you first must understand what focus is. Whatever our mission, we do not operate in a vacuum. In every agenda we meet opposing forces. To the salesperson there’s administrative tasks, personal errands to run, a family crisis, bad weather, a car that won’t start and any number of competing issues. It is actually the salesperson’s ability to give these other issues attention, while booking new business that blows away the myth of focus. You don’t ignore these others things. You perform despite these things.

To use a sports example, (I ran a sports media company for a decade) superstar golfer Tiger Woods is said to be incredibly focused, not because he can make the big shot, but because he can do it under pressure. So step one for you students of focus is understanding that focus is first about obstacles. To really focus you must train yourself to perform under pressure. Rarely do we have a “wide open” target to which we can dedicate our sole attention. Focus means remaining committed despite having simultaneous, equally important, competing interests, opposing forces, and unsettled emotions.

The second factor in understanding focus is perhaps most contradictory to what the word implies. That is, focus is about balancing multiple priorities - not just one. You see, while Tiger Woods is trying to make the big shot he still has many potential distractions — both visible and invisible. He just might have a stomachache. But what makes Tiger a winner is his ability to balance multiple priorities simultaneously and still get the result we all expect. An entrepreneur who can balance a product launch, a vital employee who calls in sick, calls from creditors asking for money, and a customer with a laundry list of complaints, and still close an important deal is a champion of focus. She’s a champion because she has a full plate - not just one item to devour.

Finally, focus is not always pretty. We have visions of happy, goal-directed individuals who whip everything neatly into place. This is where the Tiger Woods analogy ends. He makes it look a little too easy. My experience with the focused is that they are often chaotic, unconventional, and downright weird. Not all, but many are folks that arrive to meetings late, allow lesser things to wait, and are unapologetic about being ruthless with their attention. The point is all of these goals, obstacles, and multiple priorities don’t come together with a snap of the finger. There’s plenty of friction that drives the focus machine.

So, the next time someone tells you that FOCUS is key to your success, make a decision. Are you going to believe the myth - that you’re not pointed in the right direction, working hard enough, or concentrating on that one thing, or will you embrace the reality?

© Copyright 2007 - André Taylor - Taylor Insight Group, LLC. Go to www.andretaylor.com http://www.andretaylor.com and get Andre’s free newsletter.

AFP - Four Jordanian prisoners handed over by Israel last year to complete their life sentences in the kingdom were released from a jail north of the capital Amman on Wednesday.

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Children learn about the world through toys. Different toys fulfill different developmental and educational purposes, and understanding this variety and the needs of your child will help you in selecting the most appropriate toys for your child.

Here are some significant needs of children that can be fulfilled by the right kind of toys:

• Creative development: Lewis Carroll’s Alice captured the essence of childhood with her eager phrase: “Let’s pretend…” Watch how many things your child can do with an empty cardboard box. Other examples: Clay, paint, dolls, crayons, play dough.

• Intellectual development: Just pulling a simple wagon, your child is learning about the relationship between force and velocity. Other examples are books, miniature ovens, bicycles and science kits.

• Physical development: Through toys and games, children develop their strength, motor skills, hand-eye coordination and muscle control. Toys for this are balls, bikes, blocks, shovels, and all outdoor games.

• Sensory development: Children learn about textures, smells, colors and sounds through toys. The toys for this are musical instruments, clay, blocks, puzzles.

• Social development: Through toys, children learn about each other and about friendship. They learn how to get along with others, and the mechanics of personal relationships. What happens when your child builds a sandcastle together with a friend? What happens when your child refuses to share a toy? Board games, dolls and puzzles are some toys that can help your child’s social development.

• Personality development: Games and toys build confidence and self-esteem in children, and help them learn about themselves through their likes and dislikes. Solving a puzzle, building a house with blocks, riding a bike — all these exercises help your child feel a sense of accomplishment and self-worth.

The best toys for your child are the ones that provide an enriching learning experience in a fun way and are helpful in the development of basic skills of your child. It is important that you think deeply before buying a toy for your child and evaluate what learning experience your child will have while playing with that toy.

Using Toys

With time, your child will learn how to take responsibility for her choices, actions, and belongings. The following are some guidelines with which you can help your child become responsible without compromising on her safety:

• Talk to your child about proper care and storage of toys. Fix a place of storage and do not allow toys to be left on the floor or outside the house.

• If there is more than one child, separate their toys to make sure that the younger ones may not play with toys appropriate for older children. Explain this, and related safety hazards, to the older children.

• Participate in your child’s play and set good examples of safe play. After playtime, show them how to put the toys away safely, and slowly allow your child to take responsibility for the toys.

• Teach your child to recognize unsafe toys and safety hazards. Check their toys (especially electric ones) regularly for damage, and urge them to let you know if a toy breaks or seems unsafe.

Appropriate and Allowable Toys for Children

In this chapter, we will discuss the skills and needs of children at different ages, and accordingly choose safe and appropriate toys for each age group.

• 3 to 4 years

During this time, children use their imagination to imitate adult activity, and participate actively in physical games. Their knowledge of safety hazards and self-defense also increases.

Appropriate toys: Puppets, farm and community play sets like tea sets, climbing structures, miniature ovens, toy telephones, simple board games, tricycles, boxes, dolls and stuffed animals, water play toys, puzzles, balls, simple musical instruments etc.

• 4 to 6 years

At this age, children learn about social skills and cooperation by participating in preschool group games. Their physical coordination develops, and the foundation of printing and writing is also laid at this time.

Appropriate toys: Transportation vehicles of all types like
bicycles with helmets and training wheels toys, drop boxes, sleds, creative materials, painting material, books and records, stencils, puzzles, balls, action figures, dress-up clothes, housekeeping props,
dollhouses, character toys, simple construction toys etc.

• 6 to 9 years

Children learn about getting along with others, and about the adult world of sports, games, and careers. At this stage, children develop their intellectual and social interests and make strong friendships, likes and dislikes.

Appropriate toys: Board games, marbles, jacks, puppets, doll equipment and accessories, craft kits, construction toys, complex puzzles, jump ropes, art material of all kinds, roller and ice skates etc.

• 9 to 12 years

Preteens become active in team play and learn how to handle detailed projects in arts and science. They learn to prioritize their interests and give more time to select hobbies. They also begin to operate video games and computers.

Appropriate toys: Skates, skateboards, science kits, craft kids, tested and approved electric toys, electric trains (UL approved), construction sets, science kits, craft kits, costumes, larger bicycles prop boxes, puppets, fashion and career dolls, doll house and furniture, musical instruments, books of specific interest, work bench with real tools etc.

It is important to remember that children are different and have individual characteristics and interests. Only you can know your child’s specific interests and abilities at the different stages of their development, by supervising and participating in their play.

Adwina Jackson has a deep concern on parenting. Get her inspirational guides about Educational Toys at insparenting.com/guides/educational-toys/ http://insparenting.com/guides/educational-toys/ .

AP - IOC president Jacques Rogge criticized Jamaican sprinter Usain Bolt on Thursday for showing a lack of respect to other competitors after his record-breaking gold medal performances in the 100 and 200 meters.

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Chances are good that you have at least one of them hidden away somewhere at the back of your cupboard! Research shows that an estimated 75% of people say they will keep promotional material that they actually find useful, such as mugs.

Promotional mugs are a great marketing tool partly because they can be manufactured in a variety of materials - ceramic, metal, glass and plastic. Different styles of mugs tend to appeal to different target markets - travel mugs may appeal to families; while younger people may prefer a contemporary mug design.

Your design and the wording can be changed accordingly, depending on the target audience. One of the drawbacks of a promotional mug is that it gives you a relatively small surface on which to advertise. The surface is also curved, which can make some designs or wording difficult to read.

You also may be restricted as to the number of colors and the sophistication of the design. Another consideration is that any printing should be long lasting and able to withstand hot liquids. One of the latest innovations is the color changing mug, which reveals a logo when hot water is added.

If appropriate, you can dispense with the traditional plain mug, in favor of a full color design that is printed entirely around the outside - only the mug handle is white. The latest advances in technology have made this process possible, ensuring vibrant color, a high gloss finish and a dishwasher safe product.

Of course, apart from cost and distribution issues, your most important consideration is what the mug should say. Often, less is more - many company logos are so instantly recognizable that no other wording or information is necessary. A well known logo will also immediately be recognizable if your mug is distributed overseas, eliminating the costs involved in producing material in different languages.

People using the mug should be able to get the gist of the message without a lot of extra reading - over half of all people process information primarily visually. The style of your logo and the typeface also say something about your company - is the style modern, old-fashioned or bold?

A company slogan is sometimes more effective than the actual name. On the other hand, if your company isn’t a household name and it isn’t obvious what the product or service is, it’s a good idea to mention the product being promoted.

If you do decide to put additional information on the mug, make sure it is easy to read and eye-catching. The message should stand out on a mug on somebody’s desk when seen from across the room! As mentioned before, take into account the curved surface of the mug.

And from a cost point of view, the simpler your design and the fewer colors are used, the lower the costs to your company. If appropriate, choose bright colors - such as primary colors - that will stand out. Different colors also have different impacts - orange and red are exciting, dark blue is considered relaxing.

Promotional printed mugs can be around for a long time - your wording should be designed accordingly. If you have a phone number or web site on the mug, make sure it won’t change soon. Research suggests that it’s more effective to include your website address rather than a phone number - if you don’t have room for both.

So consider promotional mugs as part of your marketing plan - they are effective, inexpensive promotional items or gifts and just about everybody uses them.

Gareth Parkin is the co-founder of Ideasbynet.com http://Ideasbynet.com , the UK’s leading online promotional mugs and printed mugs supplier based in the north of England.

AP - There were few surprises when Washington unveiled its new primary system, but a handful of statehouse races spotlight one of the system’s most interesting facets: two people from the same party moving on to the general election.

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Buckingham Palace stands in its own grounds in the heart of London, England. It is possibly the number one ‘must see’ of the thousands upon thousands of tourists that visit London each year.

With its ceremonial guards with their red tunics and tall, bearskin hats, Buckingham Palace is the official London residence of the British royal family as well as being a base for visiting dignitaries and Heads of State. So you would expect security at the palace to be nothing less than top notch, and today it probably is.

However, in the early 1980’s it was perhaps a different story.

Early in the morning of July 9th, 1982, unemployed Michael Fagan somehow managed to scale a fourteen-foot wall, set with spikes, in a remote corner of Buckingham Palace. He was actually spotted climbing over the wall by an off-duty police officer and the alarm was raised. However the intruder was not found by a search of the grounds, and it must have been assumed that he had climbed back over the wall and made his escape.

But Michael Fagan was still at large within the palace, in fact he found an open window and clambered in. It was not the intruder’s intention to steal because inside the room was a stamp collection valued at a cool $20 million which he left alone. Finding that the door leading from the room to the rest of the palace was locked the unemployed man climbed back out of the window.

Amazingly an alarm had been triggered both when Fagan climbed in the window, and when he climbed out again, but the in-house police officer attending the alarm made the assumption that it had malfunctioned and twice switched it off!

Michael Fagan was determined that his adventure at Buckingham Palace was to continue because he managed to find another open window, this one with a convenient drainpipe leading to it. Up he went. This window brought Fagan into the room of the man who was responsible for the security of Queen Elizabeth II, and this time the door leading out of the room was unlocked.

The intruder was then able to wander unchallenged along the vast corridors of the palace, as he did so he admired many of the valuable paintings that adorn the walls. He entered a few unoccupied rooms and then, by chance, entered the bedroom of her majesty the Queen.

Does all this have anything to do with the security of your home? It does, read on.

The Queen’s bedroom should have been guarded. At night an armed police officer stood in front of the door but his shift had ended and he left before being relieved by an unarmed footman who guarded the room by day. The footman was delayed because he was out walking the Queen’s corgis.

When Fagan disturbed a curtain the Queen awoke and, although she must have been extremely shocked to find a stranger in the royal bedchamber, remained calm. News reports of the time stated that Fagan sat on the end of the bed and chatted to the Queen, mainly about family matters. After about ten minutes he asked her majesty for a cigarette. This gave the Queen reason to reach for the telephone and she was able to summon a footman who restrained Michael Fagan.

You can imagine the outcry about the insufficient, and lackadaisical, security at the palace this incident caused, the British press was full of the news for some time. Imagine too, the further panic caused when it was revealed that this was actually the second time that Michael Fagan had unlawfully entered Buckingham Palace. Just one month previously he had helped himself to a bottle of Prince Charles’ wine.

Naturally, this led to a complete review and upgrading of security at all royal residences, the British monarchy determined that no similar incident should ever happen again.

So where does you and the security of your home fit into this story? No doubt that your home is a nice one. It may not have the ceremonial guards, the staterooms, royal treasures and endless corridors of Buckingham Palace but it is a palace to you and your family. Is your home security insufficient and lackadaisical? Could an intruder enter your home as easily as Michael Fagan had entered the royal residence?

Remember that an intruder would likely have far more wicked intent than sitting on the end of your bed chatting to you. Make a review of your security now. Are you doing all that you can to ensure that your home is as best protected as it can be? Don’t be like the British Monarchy and leave it until after the event.

Martin Underwood writes about all aspects of home security. He is a regular contributor to www.surveillanceforsecurity.com http://www.surveillanceforsecurity.com The site that presents reviews and information about the best in home security, personal security and vehicle security.

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