Relationships, Broken Hearts, Men, Women & Love

I have not had regular access to the internet and have been unable to post. ?However, ?I have been writing a lot and have three new entries to share. I will be putting them up in the next couple of weeks. ?Enjoy

No matter where you live or what culture you were raised in, the majority of human beings deal with relationships, heartbreaks and love.? Being here and having the opportunity to live in a local community and date a host national has given me a different perspective on relationships, standards, gender roles, and love.? It has also brought to awareness a particular sense of gratitude for my own upbringing and freedom.? I want to apologize for writing so much about the oppression of women. I never planned to revolve my blog around this subject, but lately the stories I feel most inspired to share are just that.?

The words relationship, boyfriend, and girlfriend have a very different connotation here than they do in America.? Most will agree that in America when you are in a relationship it means that you are dating one person unless agreed upon otherwise. Communication is essential and trust is even a bigger. Cheating is looked down upon by society and is a likely cause to end a relationship.?? Here it is very much the opposite. Cheating is a common practice and though people do not necessarily like it, they accept it. ?I have spent a lot of time talking about this subject to both men and women (teenagers and adults).? ?The chance that your Senegalese boyfriend (muslim or catholic) is having or has had sex with another person while dating you in pretty darn high. ?

Some of my male volunteer friends have had some interesting conversations with Senegalese men.? One friend told me that his tailor asked him why the volunteers (male) do not want to? ?play? with the women here. ?His quote ?the women of village ?A? want to play. You just tell me whom you want and I will help you.:? When explained to this person that he was in a relationship and was not interested, the man did not understand.? He explained how he was also in a relationship. This type of thinking is not uncommon.

In trying to understand why this is so accepted I talked with a good friend of mine. ?She was born and raised in Sierra Leone, yet had the opportunity to live in America for much of her adult life. She explained that African men love their girlfriends and want to marry them however they commonly sleep with other people. It doesn?t mean they don?t love their girlfriends but before marriage they don?t see the necessity to remain loyal to one woman even if they have not had sex with her. ?It is something she told me that she has learned to accept.? She also talked about the lack of effort made by a man once he has your commitment (sexual or not) And romantic gestures such as giving flowers or love letters are very unlikely.? Love here is reflected in action rather than emotions.? If you are a man and you love a woman and want to marry her you work hard to have money so you are able to support her and your future family. ?Women show their love by working hard, being obedient, and domestic. ???

?So you would think once people get married the sleeping around would stop.? Unfortunately, it does not. ?In a polygamous society, such here, men use the excuse that they are looking for another wife as a means to justify their sleeping around. For Catholics this excuse is not accepted thus men who choose to have affairs do so much more discreetly. Either way the consequences for these types of actions mostly affect the women.

I have seen girlfriends and wives act out against this and the results have been discouraging.? My host sister went crazy when she found out her husband was talking to another women and tried to hit him. The result was that he beat her. My friend found out her husband was taking a second wife and spoke out to him only to be hit. A girlfriend found out her boyfriend was sleeping with other women, called him out but stayed with him anyways.

?In America a woman has the right to leave her husband if he is unfaithful to her. ?Unfortunately women do not have the resources to pack up leave. They are dependent on their spouse for financial support.? Also women who do choose to leave and return to their father?s house are often times looked down upon.? Being a woman in this culture means putting up with whatever your husband does and if you don?t like it then you must find a way to deal with it.?

I can?t help but to admire a woman who has an unfaithful husband and is stuck in the situation.? She has really no choice but to carry on, take care of her children, and find a way to cope.? Emotions are not expressed here! Besides children, the only time you will see someone cry is at a funeral when they are mourning for the deceased.? They are taught from a very young age that repressing how you feel is the way you live.? The result is that women have very little self-esteem, refuse to stand up and talk, and do not complain.? I know from my conversations that there is not a lack of feeling. The women here do feel and they do get hurt and upset when someone wrongs them. They choose to ignore it, let it go and move on.? You may think this is healthy, but in my observations I have seem many women who turn all this hurt into anger.? They let it out on their children.? A good friend of mine is a perfect example of this.

She was the youngest daughter of 7 girls. Her father died when she was 13 and was then married off to someone twice her age. She is an extremely intelligent person and loved to study. This change ruined her life and after being married to this older man and having a child, he died. She was 19 when she moved back with her mother who had recently re-married.? Now with a child and no financial support and her mother?s new husband was quick to marry her again.? She had three more children and is treated poorly by her new mother and law. She does all the laundry, cooks all the meals, milks the cows, pounds the rice and every other task women do here. The difference is that no one helps, her husband gives her no money and spends most of his time taking his motorcycle to watch soccer games or to parties.? She never complains but after several conversations with her, my heart is full of sadness for her and her situation. I recently wrote a poem thanks to her inspiration.?

I will post the poem in my next post...stay tuned!?

Source: http://jenaeinsenegal.blogspot.com/2012/02/relationships-broken-hearts-men-women.html

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Investing In S&P Index Funds ? Make Money Make Cents

Index Fees

The most important decision you will have to make when investing money, is choosing where to invest it.? Investors can choose anything from stocks and bonds to mutual funds and money markets.? One option that is simple and effective is an index fund, or more specifically, the S&P Index Fund.? Owning the S&P index fund means you own 500 of the most widely held stocks in the market.? Have you ever heard of Wal-Mart? They are a company that is included in the S&P.? How about AT&T, Walgreens, 3M, or McDonalds? Yep, they are in there too.

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?Index Funds Explained

When people talk about the stock market, they generally talk about the Dow Jones, the NASDAQ, and the S&P 500.? All three of these are indexes.?? An index is a group of stocks that represent a part of the stock market.? For example, the Dow Jones represents 30 of the largest blue chip stocks.? The NASDAQ is an index of technology and growth stocks.? The most followed index is the S&P?500.? The S&P 500 includes 500 leading companies in leading industries in the U.S. economy.? The S&P 500 is designed to be a leading indicator of US equities and reflects the characteristics of the large cap market.? The S&P 500 is the most widely used benchmark in the US stock market.

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Why choose an index Fund

If you had to choose the best stock of 2012, what would it be? How about a stock that will only increase in price for 2012? If you have ever tried to do this, it is harder than it sounds.? If you had invested in McDonald?s last January, you would be up around 31%.? Not bad.? How about AT&T? You would be at about a 2.7% gain.? I would be ok with that. It?s not a loss. Now let?s look at 3M.? You would have reported a loss of 3.5%.? Last but not least, let?s say you invested in Netflix.? You would have lost a whopping 60% of your money.? The point I am making is picking a winning stock is difficult.? Companies and individuals pay money managers millions of dollars in order to do this for them.? The S&P 500 tries to match the US stock market, which isn?t easy.? Less than 20% of actively managed funds have outperformed the S&P 500 in the past 10 years.? By investing in an S&P index fund, you are essentially investing in 500 of the best stocks possible.? That is a way to diversify your money in a wide range of stocks.? The effects of a poor performing stock are dampened because you have 499 others that could be doing well.

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ETF or Mutual Fund

If you choose to invest in an index, you have a couple of options.? You can invest in a mutual fund or an exchange traded fund (ETF).? A mutual fund is a professionally managed investment that pools funds from multiple investors to buy securities.? There are many mutual funds that mimic the S&P.? A few of the top mutual fund complexes are Vanguard, Fidelity, and American Funds.? All are highly recognized and offer a wide array of funds such as the S&P 500 Index fund.? Mutual funds can have high minimum investment requirements, but those can often be waived if you sign up for a reoccurring transfer to the fund.? The other option is exchange-traded funds.? The main difference between ETF?s and mutual funds is that ETF?s trade like stocks.? In order to buy and sell ETF?s you would need a brokerage account.? The symbol for the S&P 500 index fund is SPY.

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Cost Comparison

It is important to consider the fees that are incorporated in either fund you choose.? Mutual funds tend to be more expensive.? A few of the fees you will encounter with Mutual Funds are:

• ? ? ? ?12b-1 fee of up to 1% (pays for marketing and distribution)
• ? ? ? ?Front-end or Back-end load charges (basically a commission to enter the fund)
• ? ? ? ?Management fees (exactly what it sounds like)

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ETF?s do not include as many fees:

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• ? ? ? ?Management fees

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ETF?s will generally have less than 1% in fees, while mutual funds can have anywhere from .1-3% in fees.? If you decide on mutual funds, make sure to purchase no-load funds.? That means you will not have to pay a commission for purchasing or selling the fund.

If you are looking for a way to invest some of your money, and are willing to take the risk of owning stocks, the S&P 500 index fund is an excellent choice.? It gives you diversification, low costs, and simplicity.

Source: http://makemoneymakecents.com/2012/02/investing-in-sp-index-funds.html

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Everything About Jazz Music Educational instituations | Articles ...

There are several excellent jazz music schools in the united states as well as all over the world. Here is my list of some of the best colleges for young people who want to get the finest education that jazz music is offering.

Ithaca College, Ithaca, NY

At Ithaca College, you may get a Bachelor?s of Music in Jazz Studies. The Jazz Studies program are certain to get students to perform at many places-on campus as well as off. Some courses that students is going to take are: Jazz arranging, jazz improvisation and jazz history.

Ithaca teaches jazz music both in avenues, for instance, if you are a vocal jazz major or possibly a major in any instrument, your private lessons will likely be done in the traditional classical style. If your major is jazz guitar, you can discover electric guitar, but still know how to perform on classical guitar. Guest artists visit Ithaca and perform giving master classes for students, and they also coach them. Some artists that have performed there are: Jaime Laredo, Rhythm and Brass, the Bach Aria Group and Vladimir Feltsman.

Berklee College of Music, Boston, MA

Berklee College of Music is the place students from all around the world visit study jazz music. Students can be majoring in jazz composition here. This jazz music program develops student?s creative side, contrapuntal skills, formal and also developing melody, rhythm and harmony. The student will end up with a group of compositions that will be performed. in public for different ensembles to play. Students will attend jazz clinics, concerts, participate in projects and develop critical skills that will enable them to discuss various types of criteria in jazz music. Finishing this major will give students every one of the skills they need to pursue a career as a professional jazz writer. This can be one of the best schools to enroll in to obtain a top-notch music degree.

University of Rochester, Rochester, NY

The Eastman School of Music is a name that is heard very often among the music crowd in new york. Students going to this school will be majoring in Jazz Studies and Contemporary Media. Students choosing this major will acquire performance, teaching and also other music skills and academics. Completing this major will enable students being their own boss, in a way. They can be part of a symphony, and teach in college; or teach private students and direct being a church musician and free-lance their skills and present recitals. Some students become lawyers or music administrators as the training in music at Eastman School offers them the discipline to do and become anything.

Manhattan School Of Music, The big apple

Students attending this school is going to be skilled composers, arrangers as well as performers if they are ready to begin their jazz music career. Students are taught by faculty who will be experts. The will also be able to do with well known jazz artists.You will find undergraduate level courses, graduate and doctorate level to major in jazz music. Those who find themselves serious in obtaining a career in jazz music, should certainly consider any one of these schools to enroll.

Look into the site Jukebox to locate addiitional information with regards to music.

Source: http://articlesmesmerizing.com/arts-entertainment/everything-about-jazz-music-educational-instituations

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Cooking Tip of the Day: Recipe: Kielbasa and Potatoes

This recipe for Kielbasa and Potatoes combines oven roasting onions, potatoes and kielbasa with the dressing from a German Potato Salad recipe of mine. Another quick and easy recipe .. perfect for a weeknight.

Best of all? this gets baked in the oven? line your baking pan with foil and clean-up is a snap!

TIPS

The kielbasa I buy is not that fatty ? but if yours is? and you want to cut the grease .. simply par boil it for about 5-7 minutes.. that will draw out a good portion of the grease. Then slice it and follow the recipe.

You can adjust the amount of vinegar and/or sugar to suit your tastes.

I don?t recommend increasing the salt.. there is salt in the kielbasa.

I use a drizzle of olive oil? not more than a tablespoon ? over the potatoes and onions .. just to lightly coat them so they get golden and a bit crusty in the oven.

The recipe calls for white vinegar.. you could substitute cider vinegar for a slightly different flavor.

Serve it with some rye or pumpernickel bread and butter?.and a nice cold beer? perfect on a hot day .. as well as.. a cold winter?s night.

Recipe: Kielbasa and Potatoes

All you need:

1 kielbasa
5 potatoes, peeled and cubed
1 large onion, cut in half then sliced
Dressing:
? cup white vinegar
2 tablespoons water
3 tablespoons white sugar
? teaspoon salt
Fresh chopped parsley (optional)

All you have to do:

Preheat the oven to 400 degrees F.

Line a baking pan with non-stick foil.

In a large bowl, drizzle a little olive oil over the potatoes and onions.

Toss lightly (I use my hands) to coat evenly.

Spread them out on the foil lined pan.

Slice the kielbasa, then cut the slices in half.

Spread the kielbasa over the potatoes and onions.

Make sure the onions are laying flat and not pointing up, otherwise they will char.

Bake for 40 minutes or until the potatoes are light golden brown.

Do not let any of it burn.

In the mean time, mix together the dressing.

When the potatoes, onions and kielbasa are out of the oven, remove them with a slotted spoon and put them in a large bowl.

Pour the dressing over them and toss to evenly coat.

Serve hot or warm.

Source: http://cookingtipoftheday.blogspot.com/2012/02/recipe-kielbasa-and-potatoes.html

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Tax Services And The Benefits Of Outsourcing Today | Articles Effect

Outsourcing tax services for a corporate business is a strategy that?s quickly gaining popularity as of late. More and more outsourced services providers are extending professional assistance in the form of tax preparation services for companies wanting to streamline their current operations. Banking on relevant experience, state of the art equipment and highly qualified workforce, the outsourced services providers are able to exploit their resources and customise their services in order to meet if not exceed the expectations of their growing number of satisfied customers.

If you?re to outsource tax services to a third party, better prepare the pertinent documents in advance to avoid delays as well as to properly facilitate the process. The services provider needs time to examine, interpret and classify them accordingly. Even though one point of asking a third party to take charge of tax matters is to guarantee your tax compliance, you can also ask them for their recommendations about the most advantageous tax strategy applicable in your case.

From the initial point of contact, it is advisable for both parties to clarify their needs and expectations to make sure that they?re on the same page. Cooperation and communication between the two will greatly contribute to the accomplishment of a timely delivery of accurate output by the services provider within the price that the client is willing to pay.

The services provider presents itself to a client as a ready resource. And this is not a false claim. It is really providing the customer with advanced technologies combined with skilled workforce without requiring the client spend a fortune to invest on such resources on their own. The valuable assistance that a services provider give also enables the client to concentrate more on revenue generating core functions and ultimately improve its overall efficiency, thanks to the time freed up by having the third party fulfil its other responsibilities.

Everything boils down to selecting the right services provider and knowing exactly what to outsource. Rates and services vary but the client can count on the level of confidence it has on its potential partner for success.

Tax Services And The Other Benefits You Need To Know

Tax Services And The Benefits You Can Get

Tax Services, Compliance And Benefits

Tax Services And Possible Savings

Tax Services, Assistance And Savings

Tax Services And Determining Potential Benefits

Tax Services And Securing Your Benefits

Tax Services: From Compliance To Privileges

Tax Services: Prepare To Reap The Benefits

Tax Services And Their Positive Returns

Categories: Finance, Business And Finance, Finance:Taxes

Click for further information on Audit Firms in Singapore or corporate secretary.. This article, Tax Services And The Benefits Of Outsourcing Today is released under a creative commons attribution license.

Source: http://www.articleseffect.com/tax-services-and-the-benefits-of-outsourcing-today.html

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Build Wealth On line using Put Option Trading - Finance - uplikeo's ...

The stock trade is another of the many prevalent techniques to be able to produce money.

With regard to the stock market place the new very very worthwhile tactic to build up riches is options trading. I generate 15 to 20% just about every month by trading options, more specifically put options.

Now there are and will always be two sides to put options investment.

There is the facet regarding proper protection on your personal account or obtaining insurance for your stock, and then there is the wealth building, monthly cash flow side aka getting paid to own a stock. Why don?t we have a quick glimpse at both.

Buying Insurance with Put Options

Being the purchaser of this put options contract, you?ve got the ?option? to be able to offer the stock set at a certain price until you sell the option or perhaps the particular option expires.

Nearly all investors implement puts to protect their account from big movements to the downside and furthermore lock in profits.

For example, lets say an investor purchased a stock and it increased in price by about $10 per share. This is a really large move.

At this point the question you will be asking is?must you take profits or perhaps let it ride? Additionally you need to take into account that if you do nothing, your earnings may be erased within minutes with some not so great news. Taking absolutely no action is probably the worst steps you can take within the stock market. What do you do in that situation?

You can acquire a put option with a strike price which is a few prices below the current price of the stock. By using this method, you will be able to sell your stock at this strike price no matter what happens to the cost of the actual stock. For instance, if you purchased the stock at $200 and it increased to $250, you can actually buy the put at $240. With the $240 put option, irrespective of how low the stock goes, you can still sell it at $240! So, if the stock drops to $40 per share, you can STILL sell it at $240, think about that for a second?let it sink in.

Making Monthly Passive Income with Put options

On the other side of this put options coin is how you?ll be able to create wealth by using options through passive income each and every month.

For the stock buyer to protect his stocks by buying protective puts, he will need to have someone prepared to sell those put options to him.

I personally make money month after month by selling put options against stocks I?d personally be prepared to own and sometimes even against stocks that I never plan to own.

The important thing if you want to be building wealth with put option selling will be to sell puts on securities you will not mind owning and also look for stocks that are relatively flat as far as their price goes. Flat stocks are stocks that will move at most $3 in a four week period and possess very low PE ratios.

I find that I also have a substantial amount of success by trading stocks in the $20 ? $30 cost range. Anything higher or even lower is typically too risky in my experience.

I have been investing for over a decade and have done meticulous research on how to build wealth. My primary focus is on strategies that can create low risk residual streams of income.

If you?re ready to get started with your wealth building strategies, then visit http://bestresidualincomestrategies.com/ to find the best advice on making passive income today.

Source: http://www.shortmarketresearch.com/2012/02/16/build-wealth-on-line-using-put-option-trading/

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Source: http://uplikeo.posterous.com/build-wealth-on-line-using-put-option-trading

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Reports: More Chinese cities seize iPads (AP)

BEIJING ? Authorities have seized iPads from retailers in more Chinese cities in an escalating dispute between Apple Inc. and a struggling local company over the trademark for the popular tablet computer, news reports said Thursday.

The Chinese company, Shenzhen Proview Technology, said this week it will ask customs officials to stop imports and exports of iPads, a move that might disrupt global sales because the tablets are manufactured in China.

iPads were seized in the central city of Zhengzhou and the eastern port of Qingdao, a website run by newspaper China Business News said. Seizures were reported earlier in the cities of Shijiazhuang and Xuzhou.

Proview said it has asked regulators in more than 40 cities to investigate possible trademark violations.

Chinese media say Proview is deeply in debt and observers have suggested the company needs a large settlement to repay creditors.

"We've appealed to Apple through its agents to have a settlement, but so far we haven't received any response from them," said a Proview lawyer, Xie Xianghui. He declined to say how much Proview wants.

An employee of the press office of Zhengzhou's Administration of Industry and Commerce confirmed some iPads were seized there.

"One of our local offices seized iPads from a shop and sealed them off based on the Chinese Trademark Law, although we did not carry out a city-wide seizure," said the employee, who would give only his surname, Jiang.

A spokesman for Qingdao's Administration of Industry and Commerce said he knew of no order to seize iPads but said the agency was monitoring the legal process.

"We're investigating iPad sales in the city and will move quickly once there is a final legal judgment," said the spokesman, who would give only his surname, He.

A spokesman for Weihai's commerce agency said he knew of no citywide seizures but said local offices might be investigating sales or collecting evidence. He refused to give his name.

Shenzhen Proview Technology is a subsidiary of LCD screen maker Proview International Holdings Ltd., headquartered in Hong Kong.

Proview registered the iPad trademark in China in 2001. Apple bought rights to the name from a Taiwan company affiliated with Proview but the mainland company says it still owns the name in China. A Chinese court rejected Apple's claim to the name in China last year. Apple has appealed.

Apple, based in Cupertino, California, insists it owns the iPad name and has accused Proview of failing to honor its agreement.

Apple has cited a Hong Kong court ruling last year that concluded Proview and the Taiwan company both were controlled by the same Taiwanese businessman, Yang Long-san.

The judge said the companies acted together "with the common intention of injuring Apple" and granted a temporary order barring Proview from transferring rights to the iPad name in China.

Proview also has filed suit against Apple in Shanghai and the cities of Shenzhen and Huizhou, according to Xie.

___

AP researcher Yu Bing contributed.

Source: http://us.rd.yahoo.com/dailynews/rss/applecomputer/*http%3A//news.yahoo.com/s/ap/20120216/ap_on_hi_te/as_china_apple_ipad_dispute

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