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| New year, new life, new customs. … |
| Establish goals for 2009 |
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Marla E. Tijerina-Lutz
CCCS of Greater Washington
To establish goals is essential to reach what loves especially in the field of the finance. He believes a specific action plan it will help him to give to the center of the target if this year that is still to initiate.
The secret to reach the success in the finance, is to identify realistic goals, goals that it is sure of being able to reach, goals that are simple. Often the error that commits unattainable, very complicated goals put themselves and in a very little time. And slightly very important..... have a plan in case it meets obstacles.
Discipline, time and a perseverance there are factors that help to reach this sleep.
Always to establish a goal
• To start with something easy and small.
• To write the day in which it wants to be begun and the day in which he wants to end. This way it is possible to evaluate what it has done to half of way.
• It is very important to do a list of all the benefits that it will bring reaching the goal.
• Identify the methods that glide to be used to reach successfully the goal.
• Identify the obstacles that could appear to half of way.
• Check regularly his plan.
Example:
• Goal: Save $ 1.200 in the next 12 months.
• Date of beginning and culmination: To begin with the payment of salary of the 1st one. of February, 2008 and to finish the 1st one. of March, 2009.
• Benefits: Have a savings account for emergency cases.
• Methods that they will use: Save 5 per cent of the weekly salary and do not have lunch in the favorite restaurant two times per week.
• Obstacles: Unexpected expenses as discomposure of the car, illness or emergencies with the children.
• Review and evaluation of the plan: check the monthly revenue, insure of that there should no be detours in the familiar expense.
Spend less than it is gained it is the only way of reaching the wished financial goals. While major quantity wants to accumulate, more soon it will have to begin to save.
| Solve the problem of absence of moisture |
| They think about how to avoid errors in the future |
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Bertha Sáenz
Washington Hispanic
The National Commission of Housing Jousts and Equal opportunity was published recently by the report "The future of Just Housing", a finished investigation that details the conclusions of a period of six months of duration of the ánalisis on the state of the just housing in America.
Co-presided by two ex-secretaries of the Department of Housing and Urban development (HUD), Henry Cisneros and Jack Kemp, the two-party Commission celebrated public hearings in Chicago, Houston, Los Angeles, Boston and Atlanta. The hearings it referred to hundreds of housings and residents who testified about the real estate system and the illegal scope of the discrimination in the housing and his connections with the government, the political practice that they affect to the communities across the nation.
" In each of the different cities that we have visited, we have heard the same thing: the system is broken", said Cisneros. The Law of Just Housing - the law that prohibits the discrimination on the subject of housing by virtue of the Title VIII of the Law of Civil rights - is not systematically effective and rigorous in his application."
In the report one recommends a factors combination like the education, instruments and application of politics, and there urges the associations the collaboration with the government and groups deprived at local, state, regional and federal level. The report of the center gives political proposals with the need to create an independent organism who watches severely the application of just housing.
" The federal government must be working to achieve that they are right in the things", said Kemp. "And now, the managers must make to fulfill these regulations. That's why we need a new independent organism who helps to exercise it and avoid problems in a future".
The conclusions of the two-party commission coincide with 40 anniversary of the Law of Just Housing.
The National Commission of Housing Jousts and Equal opportunity is co-presided by secretaries Kemp and Cisneros, and protected by the Conference of Leadership on Civil rights Fund for the Education (LCCREF), the Lawyers' Committee for the Civil rights virtue of the Law (LCCRUL), the Legal NAACP Defense Fund Fund of the Education (LDF), and the National Fair of the Housing Alliance (NFHA).
| In his garden |
| Sow his good night flower |
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Writing
Many persons do not know what to do with the Christmas night flowers in flowerpot that they have left after the Christmas holidays. With little care, these plants can bloom again for the next Christmas.
Julie Newman, agricultural assessor of Cooperative Extension of the University of California, indicates that generally the quality of the plant that the second time blooms is not so good as when it blooms for the first time, but it still offers a special attraction. Also it is possible to sow like a shrub in the garden.
Newman offers the following recommendations to help him to enjoy the Christmas night flower several years:
Care after the Christmas holidays
To the Christmas night plants they like very much the light, so it is better them to put nearly one sunny window. Avoid air currents since the sudden change of temperature can do that they the sheets fall down. Check the ground regularly and when the surface feels dry, soaks the ground completely. If the ground dries off, the plant will lose the sheets. On the other hand, if the ground is very humid, it can provoke illnesses in the root that also will provoke the fall of the sheets.
The best temperature to support the flowers is between 65 and 70 degrees Fahrenheit during the day and more fresh temperatures during the night. If the temperature rises too much, the flowers will wither more soon.
Every two weeks or once a month, according to the recommendations of the manufacturer, add to the plant that a soluble fertilizer, like that is used for the home-made plants.
Towards winter ends or at the beginning of the spring, when the flowers lose his color and the sheets fall down, two stretches and accent prunes the stems that the ground dries off little by little. But do her to dry so much that the stems dry off. Support it in a fresh place (60th F) and good ventilated up to the spring end.
What to do so that it blooms again for the Christmas
Once there is no danger of a frost or very cold temperatures, puts the plant outdoors in a sunny place or with a little of shade and spend it to a bigger flowerpot, if it is necessary. Add water and fertilizer, as I needed it.
Between August 15 and the 1st of September, prune the stems so that they do not remain very long and I left from three to four sheets for stem. The clippings can throw roots if it plants them on a miscellany of half of rabble and half of sand and they will bloom for the Christmas.
Before the first frost, between the plant of the flower of Christmas night to his hearth and it put nearly one sunny window again. Starting in October and until the color is seen in the flowers, it is important that the Christmas night plants are in the darkness for 14 daily hours. It can achieve this if at night it puts the plant in a quarter without light, in a closet or inside a box. Insure of extracting the plant again to the light during the day, since it still needs of the light to prepare his food.
The plants of Christmas night as shrubs
The Christmas night plants grow and bloom well in places that have no frosts and in soil that has good drainage. In areas where they happen frozen occasionally, the plants must be had in a warm and protected place. The plant suffers more for the frosts for his first year of growth. That's why it is better to extract them after there is already no risk of a frost.
Prune the plants at the end of January or at the beginning of February, just before it begins reappearing. Select the branches in the summer so that it produces bigger flowers. Or it can prune the plant every two months if he wants that it grows like shrub, but it will have smaller flowers. There him can add vegetable fertilizer in the spring or a little of fertilizer by means of nitrogen two or three times during the epoch of growth every six weeks. So that the red color is more intense, her feed every two weeks with a fertilizer rich in nitrogen since it begins showing color. loan
| The Christmas lights are effective to keep them healthy |
| Protect his trees of the frosts |
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ECUC
Sometimes, the night winter temperatures can go down so much that the trees freeze, incurring losses. If his trees are of senile sheet or conifers are of perennial sheet, in general they resist well the cold. If they it are not, protect them with the simple measurements that there recommends Mark Freeman, agricultural adviser of Cooperative Extension of the University of California.
" The Christmas lucecitas can generate enough heat to prevent from freezing the trees of wide sheets, "precise Freeman, "especially if they are hung inside the glass of the tree, particularly of the citrus fruits". Or also the trees and shrubs can be covered with a sheet or thin blanket to protect them from the cold.
Freeman recommends as well as the ground is wetted under the trees and shrubs during the day. The water, in spite of being approximately in 60th Fahrenheit, turns out to be warm compared to the temperature of the air. On having cooled down, he dismisses heat that also it protects to the plants. Nevertheless, it is necessary to be careful to avoid to wet the sheets unless the irrigation is continued during the whole night; otherwise, the water that fell down in the sheets can freeze and to damage the plant.
Take care of his trees and shrubs: remember that also they can suffer for the night cold during a frozen night. Little water, a blanket and happy Christmas lights are effective hardware to keep them healthy.
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