Just Visiting

A long time ago their lived a little girl. She had long thick strawberry blonde curls that fell to the bottom of her pinafore and big sparkly blue eyes that made everyone smile when she looked at them. Her mother was a nurse and the little girl was her only child. Because the mother did not want to leave her child alone, the mother would take the little girl to work with her. The little girl loved this very much.

The mother worked at a special place. It was called "THE VALLEY OF THE SUNSHINE SCHOOL". Inside the school there were three large rooms. One room was for learning, the other for eating and the last for sleeping. The sleeping room had many iron beds that looked like baby cribs so the kids would not wander or fall out in the night. The children had no ages and smiled at the little girl all of the time. Some big kids wore diapers and some little kids looked very old. They gave her many hugs everyday and laughed at her jokes. Elliot hugged her the most often. Sometimes he hugged her so tight that the old little kids had to loosen his embrace. He was stronger than he knew. She knew he didn't mean to squeeze her to death. Her Mom told her so. She said he was just loving her to pieces. This made her giggle. The little girl loved them all very much.

One day the little girl saw a Father drop his child off. Mothers and fathers were hardly ever seen at the school. He said crying to the little girl's mother, "Her name is Phyllis. She is four years old. Please be kind to her. I will miss her always." Phyllis was wearing a diaper and a pink cotton t-shirt that said "Make me Smile". She was very pretty and her head was extra large with little hair for making ponytails. As the father walked out the door she cried for him, "Daddy come back. I'm scared!" The little girl, feeling Phyllis's fear ran up to her and said. "It's okay, I will play with you. It will make the sadness go away. We will make paper dolls and dance until the sunshine sets." Phyllis shared a faint smile and confidently replied, "I'm just visiting." The little girl's mother took them both to a safe corner where they could create, pretend and move about freely.

Phyllis was very smart. The little girl, being just six at the time, decided that Phyllis had a big head because she was smarter than most four year olds and her brains were just growing faster than her body. Every day they would read, write, play and dance. Then one day the little girl had to go to school. This meant leaving Phyllis alone a lot of the time.

Public School was nothing like The Sunshine School. The kids at the new school did not hug the little girl or laugh at her jokes. In fact, they were never glad to see her like her other friends at the Sunshine School. She already knew how to read and write and do arithmetic. She had known how to do this since she was three, so school was very boring and she lived under her desk and would sneak out on the playground or hide in the bathroom whenever she could. Sometimes her mother would come and get her and scold her. She would say things like, "you are going to get me fired if I have to keep leaving work in the middle of the day to come and get you." The little girl would cry for a minute and then she'd realize that she would get to return to the Sunshine School with her mother...where Phyllis was "just visiting".

Eventually, first grade became so boring that the school moved the little girl into a special class with other kids that had a hard time listening to old news. They made her read all of the time to other adults that would ask her big questions. They would bring in heavy big people books and grownup magazines and ask her to read to them. They would look surprised. She thought it sad that a little kid could read and they still couldn't. She did not like it at all. Finally she refused to read for anyone anymore, except Phyllis.

Summer break finally came around and the little girl had not seen Phyllis for weeks. She couldn't wait to see her. Carrying a bag of her favorite toys into the learning room, she noticed there was no Phyllis. Dropping the toys she ran into the eating room. No Phyllis. Could it be that her visit was over? Had her Daddy come back? Then as she peeked into the sleeping room she saw Phyllis sitting upright in her crib. Phyllis was all alone in the sunlit room. The little girl asked, "Were you sleeping?" Phyllis replied, "Oh No. I just can't stand up anymore. My head makes me fall over." The little girl crawled up and over into her crib only to find that Phyllis's head had grown to twice its size since her last visit. The little girl was convinced that Phyllis was probably a genius by now given the size of her brain and her head's obvious enormity. "It's okay", said the little girl. "I will play with you here until your body catches up with your head. It won't be long. Probably by the end of summer you will match." Phyllis believed her and they played with paper dolls until the sun began to set in the sleeping room.

The mother picked up the sleepy little girl from Phyllis's crib and kissing Phyllis on her giant forehead unclasped the girls' fingers from one another's grip. Both mother and daughter were tired and returned home. That same night after a bubble bath, the little girl crawled in bed with her mother and began to ask questions, "Mommy where did my friend Elliot the hugger go?" The mother answered "To the colony". The little girl asked, "What is the colony?" Her mother replied, " It is where the children go when their bodies are too tired to continue."

The little girl thinking that Elliot was reviving himself at a Disneyland place asked, "When will he be back." The mother looked gently into her eyes and said, "God gives them wings at the colony... so they need not ever come back." The little girl thought this was very cool and wanted to know when she could get wings. The mother told her "when your job is done". "But I don't have a job', she replied. The mother continued, "Your job is to love everyone just like you love Phyllis." With a shocked and disappointed look she exclaimed, "I will never get my wings then because EVERYONE is a really big number!"

The next day the mother went to work while the little girl's father took her to the dentist. Afterwards he dropped her off at The Sunshine School. The little girl excited to be there, ran into the sleeping room preparing to jump up and over and into Phyllis's crib, only to find her missing again. She merrily scouted the eating room, then the learning room and when she could not find her, she ran looking for her mother. Running back into the sleeping room just in case she had missed Phyllis in her search, she saw her Mother standing by Phyllis's bed with eyes fixed upon where she last played. The little girl asked, "Where is Phyllis?" The mother replied, "She has gone to the colony." The little girl cried and cried. The mother comforted her saying that she will have big big wings that can carry the weight of her genius and she will never fall over again. The little girl asked, "What was her job?" The mother softly replied she was "Just Visiting" long enough to love you.

"In Memory of Elizabeth Isabelle Reel" RN for The Valley of the Sun School aka "Angels Unawares" The story took place from 1959-1961. The school was a refuge for mentally retarded children (dwarfs, mongoloids, developmentally disabled, down syndrome and hydrocephalic victims). Located in Phoenix Arizona, where the temperature exceeded 120 degrees often in the summer, there was no air conditioning to sooth or television to entertain. Friendship came in fanning one another, playing paper dolls and dancing till the sunshine set.

Dr. Zannah Hackett
Author Speaker Relationship Technologist and Preceptor

Get free Nurse Jokes by americas favorite Nurse Comedian Karyn Buxman

Hiring a Quality Home Movers

Moving from one dwelling place to another is a normal scene in Singapore. A number of occupants are not home owners. They are just tenants. The reason is that owning a house is not easy especially for non Singaporean citizens who obviously make up the lion's share of Singapore's manpower. Thus housing service is mostly on a yearly contract basis.

Given this real scenario and considering the volatile behavior of the real estate market, the demand for home movers is high in Singapore. While there are many service providers, it pays to do your job in screening out the most dependable home movers particularly if you are short of cash. And the necessity to make a good choice is paramount if you would like proper care on the manner your stuff are transported.

The rate of home movers in Singapore can be quite expensive. It may turn out to be much more costly later if you happen to hire unskilled home movers who can only mess up with your priceless stuffs. Other companies engaged in this service because it is good money and those duly registered and professionaly trained to give moving service. You definitely opt to engage home movers who can offer the best rate and the best service possible.

If there is one good venue to locate these movers in Singapore, it is through the internet. Check on ebay Singapore. Search using the keyword "Singapore home movers" and you can most likely generate a good search list. What makes ebay a good source of info is that you can refer to testimonials of previous clients. Yes, while these feedbacks are not 100% reliable you can have at the minimum an idea on the kind of service.

Also, online forums which are Singapore based in nature can give you some guide on home movers. Just concentrate on heavy traffic blogs and forums. Of course, not missing out the classifieds. Home movers tend to post ads on online classifieds because ad posting here for free, if not at a very minimal rate.

With your filtered list, you expect to tap the most reliable home movers in town which will give lesser hassle house moving service for you.


Here is a recommended Singapore Home Movers

10 Ways To Boost Your Credit Score

1. Deleting Errors in 48 Hours

This is the absolute fastest way to correct errors on your credit
report and raise your credit score. However, it can only be done
through a mortgage company or a bank. If you apply for a home
loan and find errors on your credit report, request the loan
officer to conduct a Rapid Rescore. But don't mistake it for the
credit clinic tactic of multiple dispute letters.

The Rapid Rescore strategy requires proper paperwork. You need
proof that the item is incorrect. It must come from the creditor
directly. For example, a letter stating the account is not your
account, a letter stating the account was paid satisfactorily,
a release of lien, a satisfaction of judgment, a bankruptcy
discharge, a letter for deletion of collection account or any
relevant evidence.

This is the same documentation a bank or mortgage company would
require for the credit accounts anyways. The difference is, now
you can improve your credit score and receive a lower interest
rate. The results are not guaranteed and will run you about $50
per account.

2. Deleting Negative Credit

This is the infamous area where you've heard of all the scams.
Credit repair clinics charge "an arm and a leg" and promise a
clean credit report. Sometimes even a new credit profile! People
spending hundreds, or even thousands, of dollars for something
they can do themselves.

Removing errors is simple. Deleting negative credit that is
accurate requires advanced methods. But that is not the scope
of this report. So I'll focus on the deleting the negative
errors.

Credit report errors easily disappear by using a simple dispute
letter. If you have the paperwork proving the error as mentioned
above in Rapid Rescore, send copies of that along with the
dispute letter. This will make the credit bureau's job easier and
you will get faster results.

If you don't have the documentation to prove the error(s), send
the dispute letter anyway. According to federal law, the credit
bureau's have a "reasonable time" to validate your claim. They
will contact the creditor for verification of your dispute. Then
the account will be reported accurately - or deleted. It has been
generally accepted the "reasonable time" to complete this task is
30 days.

If you're not the do-it-yourself kind of person. Or don't have
the time. You could hire someone who is very economical.

3. PiggyBack Someone's Credit

This is a fast and great little credit score booster. But it
requires a very trusting relationship. Simply put, someone else
adds you to their credit account. For example, when applying for
a credit card, you may have seen the section to add a card holder.
If your trusting person adds you, their payment history is now
reported on your credit report too. If they have perfect credit,
now you have a perfect account.

To make this more effective, use an aged account. Imagine if your
trusted person has a 10 year old credit card account with a
perfect payment history and a balance of only 50% of the credit
limit. Wouldn't you love to have this on your credit report? The
easy part is your trusted person just calls the credit card
company and requests a form to add a cardholder. Once completed
and activated, their entire account history and future is now
firmly planted on your account. Imagine if you secured 3-5 of
these accounts - especially installment accounts. Your credit
score could sky-rocket!

The challenging part? Finding the trusted person. Since you already
have a low credit score and bad credit, how eager will someone be
to make you a cardholder? Even your parents don't want you to
damage their credit. But, no one says you need to possess the card!
In other words, your trusted person could add you as a card holder
and never give you the card or PIN or any information. Since the
bills and all account information is still mailed to the trusted
person's address, you won't know anything about the account. This
scenario could land you many trusted persons. And you still benefit
with a higher credit score.

4. Playing Round Robin

This strategy is one of the oldest credit building techniques
around. It used to be accomplished with secured savings accounts.
But now, it's much easier with secured credit cards. In fact,
I've used this method myself.

Here's how it works: Take ,000 (or what you can afford) and get
a secured credit card. Once received, get a cash advance of 70%
of your credit limit. Get a second secured credit card. Once
received, get a cash advance of 70% of your credit limit. Get a
third secured credit card. Once received, get a cash advance of
70% of your credit limit.

Open a new checking account with the final cash advance. Use this
account only for making payments on your three new credit cards.
If you make your payments on time every month, your credit score
will increase because you now have three new perfect payment
credit cards. (Initially, your credit score might drop a few
points due to the rapid, multiple accounts being opened. However,
be patient because within 4 months of no new accounts or any
delinquencies of any account, you will see your credit score
increase. Mine increased 60 points in 60 days!!)

5. Pay on Time

This one is quite obvious. But after 12.5 years in the mortgage
business, I discovered it still needs repeating. Your creditors
were gracious enough to loan you money. Now pay your damn bills!
If you don't, your credit score decreases. EVEN IF ONLY 30 DAYS
LATE!

That's right folks. For some reason people think, "I'm only a
few weeks late. What's the big deal?" Well, for the loan company,
if you pay late but consistent, they make a lot more money with
late fees and more interest (if a simple interest loan). For you,
your credit score is damaged. If you think long-term and credit
score, I'm certain you would not have a cavalier attitude.

6. Pay Down Debts

This seems like an obvious method, doesn't it? But it is not as
transparent as you might think. Remember, we're playing with
high-level statistics and probabilities which evaluates and
forecasts trends in your behavior. Here's what you do...

Never pay off your revolving debt in it's entirety! Isn't that a
surprise? Think about it. Your credit score is a reflection of
your ability to manage your credit. Paying off your debt is not
managing your debt. If you have a zero balance, how can you manage
it? You don't. It no longer exists. And you cannot manage what
does not exist, right? Therefore, in terms of credit score, you
have demonstrated your ability to swiftly pay off accounts to
avoid managing them. Thus, slightly decreasing your credit score.

One exception, of course, is if you're over extended to begin
with. Pay off what's necessary to make your credit profile look
great. Then manage the remaining credit.

7. Don't Close Accounts

Even if you pay off revolving debts, do not close the account.
The longer an account is open with no negative reports, the
better it reflects in your overall credit score. This is due to
the weighted-average in the credit score formula. Many credit
experts suggest a balance of 30% of your credit limit. That's
ideal. But you can go as high as 70% and still maintain a
healthy credit score.

8. No New Credit

You must be vigilant in your credit behavior if you want the best
credit score. Therefore, do not get any new credit unless it is
absolutely necessary. Each time you apply for credit, an inquiry
is added to your report. This usually drops your credit score
slightly. When you have fresh credit, there is no track record
how you will manage (or pay) this account. Therefore, it's a
higher risk which results in a minor drop in your credit score.
Remember, your credit score is about risk assessment.

Here's what you do: obtain credit for your housing, transportation,
college or continued education and 3-5 credit cards. That's really
all you need for personal credit. If you want more credit, request
a credit limit increase on your current cards rather than apply
for new ones.

9. Maintain A Mix of Credit Types

If you show you can handle different types of credit at the same
time, you are rewarded with a great credit score. In other words,
get installment loans like vehicle, personal loan or mortgage.
Get revolving credit like credit cards: Visa, Mastercard, Sears,
Sunoco Gas, Costco. By mixing it up, you demonstrate you can
manage your credit because you will have short term and long term
credit with a fixed payment. As well as a "variable" monthly
payment on your credit cards.

Keep these accounts open with a balance of 70% or less and paid
on time and you will witness your credit score climb to great
heights.

10. Don't File Bankruptcy or Foreclosure

Here's the most obvious advice: Don't file for bankruptcy or
foreclosure. These stay on your credit report for 10 years and
always decrease your credit score. The older the bankruptcy or
foreclosure account becomes, coupled with re-built credit
history, the less of an impact they play on your credit score.

Contrary to popular beliefs, you can legally delete a bankruptcy
and foreclosure. It's not easy. But it's possible. See the
advanced methods for that solution.

To quickly rebuild your credit history after a bankruptcy or
foreclosure, use the Round Robin strategy above and get secured
credit cards. Now you can even get a car loan or mortgage right
after bankruptcy.

© 2004 David Czach.

About the Author

-------- Editor's Note ----------

Dave Czach has 12 years experience in the mortgage business and
a Bachelor's Degree in Real Estate. He can be reached at
http://myLoanHero.com/go.cgi/daveczach.

no credit check

citizens auto finance

Winning Forex Trading Strategies

Everyone is looking for the best forex trading strategies. Obviously there are volumes and volumes which could be written on this subject. One of the most guaranteed, surefire, and quickest ways to achieving success in the forex market comes in the form of forex trading programs.

Trading programs can be considered one of the great forex trading strategies because they enable you the trader to trade around the clock without even having to be present. It's no secret that the forex market keeps much longer hours than the traditional stock exchange. Save for a few hours over the weekend, the forex market never closes.

It's just common sense that to be successful, you've got to be able to keep a constant record and track of the market to act accordingly. As this can be next to impossible, forex trading programs were designed to take some of the load off of the trader's back. But just how exactly does it work to benefit you as one of the best forex trading strategies?

Forex trading programs keep a constant watch over the market. They are also sophisticated enough to trade on your behalf and in your best interest around the clock. Say that you're invested in a trade and the market changes out of your favor and you stand to begin losing money. At the earliest indication that the market is about to change, your forex trading program will trade away your now bad investment, thus maximizing your profits, but just as importantly minimizing your losses.

Another way trading programs act as one of the best forex trading strategies is through the accuracy which they provide the trader. Forex trading programs come with trend indicators which basically predict where the market will go before it happens. This affords you the trader the unique and advantageous opportunity of trading early and ahead of the curve to maximize your profits.

Rather than guesswork which leaves plenty of room for human error, trend indicators rely exclusively on cold, complex, and most importantly tested mathematical algorithms. These algorithms are tested for months and sometimes years before they are ever made available to traders within the confines of real campaigns to ensure that their tips are synonymous with what happens in the market. If you want the best information affecting your trading around the clock, there is honestly no substitute for forex trading programs.

Start your own path to financial independence by generating some reliable and guaranteed income today. Visit http://www.forexautotradingreviewed.com for in depth reviews on the leading forex trading programs today.

Emini Trading Strategies

30 Minute Emini Day Trading System

To Buy - Or Not to Buy? The Travel Cot

From nature calls to vibrating mattresses, light shows to side curtains, travel cots have more features than a cinema. But do you actually need one?

Also known as portable cots or portacots, travel cots are useful for the frequent traveler. Whilst many are loaded with features that you most likely won't use, the most basic models serve their purpose well. Features include removable change tables (which sit atop the cot), toy mobiles, full-sized bassinettes and voice activated night lights. Generally, the more features, the heavier the cot. Carefully consider which features you can get buy without; the median weight is 9-11kg. The most comfortable travel cots have bases which can be elevated; similar to a regular cot, this is great if you have a bad back and will travel often with a newborn. Look for side panels made from mesh rather than regular fabric for good ventilation, and a mesh cover if you're going to use the cot outdoors or camping. Mattresses are not usually included with the more basic models. Rather than using towels to soften the base or buying an expensive (and cumbersome) mattress, you can buy a 'fitted' mattress. The Sleepover is a padded, fitted sheet which cannot be removed by the babe, can be fully laundered and can be squished easily into the travel cot bag. So is it worth buying a travel cot if you don't travel often? Most hotels and guest houses provide travel cots for a small charge (and often for free). Simply take your own cot linen. Alternatively, baby hire businesses hire out travel cots for as little as $5 per day, and most organise a courier to deliver and collect. If you only plan to travel a handful of times, this may be the best value option. Another significant benefit of hiring the cot (and any other equipment) is that you won't need to lug it on the plane, and it won't take up valuable space in the car. The majority are bulky and cumbersome to transport, and with some weighing up to 14kg, you could end up paying more in freight than the cost of the cot. If you're going to travel mostly during the newborn period, then consider a pram with a bassinette. This may be a more economical option, and if you are going to take the pram traveling with you anyway, it will mean less equipment to lug! So is there a smaller alternative? Relatively new on the market are tent-like travel cots. Phil&Ted's Traveller weights 2.5kg and is small enough to fit into the pram's basket when folded - and it won't tip you over your weight allowance when flying. The downside is that the baby lies at floor level (on an inflatable mattress) so it can be uncomfortable to lower down and pick up your baby. Remember, every baby (and parent) is different, and will have their own hidden agenda. To buy... or not to buy? You be the judge! Amanda G Jephtha is the founder of Planning for Babe: http://www.planningforbabe.com.au. Planning for Babe's baby planners exclusively tailor the most suitable baby products and services to your individual needs and circumstances - just like a wedding planner to a wedding. Our baby planner packages range from giving you the confidence to make informed decisions on the perfect baby products and services, through to personal shopping and designing and assembling the nursery. Based on our consultations and additional research, Planning for Babe will present you with a professional Client Portfolio, containing fully tailored recommendations and supplementary information. Planning for Babe gives you the most important luxury - the gift of time and confidence to enjoy your pregnancy. Check out the Planning for Babe blog http://www.planningforbabe.blogspot.com for practical tips on buying for your babe.

travel cot - baby travel crib

Best Gifts for Baby Boys

So, you’re scouting for a suitable gift for a cuddly baby boy and you don’t know where or how to start especially if you can just spare a limited time of your busy world. There’s no need to panic because shopping for a baby boy gift is easy as long as you know what to look for. Below are a few gift ideas to make your shopping a trouble-free one:

1. Educational Baby Toys: If your objective is to keep the baby entertained while he learns; then, these toys are a great option. There’s a wide variety of educational toys available. There are learning activity and puzzle toys available for you to choose from that helps stimulate the child’s mental ability and growth development. Surely, the parents and the child will have a wonderful time bonding with each other through these toys.

2. Baby Booties: With the emerging fashion trend in shoes today, baby booties are of no exception. Baby booties are designed to keep the baby toes warm no matter what the temperature is. Look for designs that match with the personality of the baby or his aura.

3. Baby Hats: Baby hats that have attractive designs are hard to resist especially those that resemble like that of a baby animal. With ear flaps, eyes, and nose attached on the hat, it sure is very appealing to the child’s tastes.

4. Baby Hooded Towels: Cute hooded towels are fitting for an after bath or dip in the pool time. Made with quick-drying fabrics, these towels are safe for the baby’s sensitive skin and are very cuddly to use. The baby will surely enjoy these.

5. Baby Animal Slippers: These funky animal slippers are must-haves for cute baby boys. They are perfect in keeping the baby’s feet warm inside the house. You’ll be sure the baby will have fun wearing these adorable slippers.

6. Bodysuit: A baby bodysuit is the basis for nearly every baby outfit. It offers an easy way to give your baby an extra layer of warmth during cold weathers. There are wide selections of bodysuits available in the market today. Basic, solid colors are perfect for the baby boy.

7. Mini-Playground: If you’re that extravagant, you can purchase a mini-playground or a mini-gym. Although they can be pricey, baby boys will surely love this one. As we all know, boys are very active and they love to run and play around. Mini-playgrounds and mini-gyms provide a lot of activities for small boys. These minis are complete with stairs, slide and sometimes, a steering wheel. They also have small doors that the baby could open and close as frequent as he wants for his enjoyment.

8. Ride-on Toys: Ride-on toys are very popular for baby boys even at a very young age. Baby boys love being behind the wheel while parents love the durability. Riding toys include wagons, rocking toys, pedal toys and a lot more variety. Baby boys and their parents will certainly enjoy playing with these wonderful toys.

For the best baby gifts, visit Simply Unique Baby Gifts where you will find a large selection of baby gift baskets for boy, girls, unisex and twins.