Saturday, March 7, 2009

Midlife Courage: Transitioning Uncertainty with a Spirit of Adventure

In our fast-paced, multitasking lifestyles, where most of us over-40s struggle to get from one task to the next, a concept like courage seems a bit out of place. Courage in today?s society might be an attribute best left to our growing passive experiences of movies, DVD rentals, reality TV, or an exciting novel. What need is there for courage in us Baby Boomers who have been dubbed ?the privileged generation?? What are the costs of keeping courage as a strictly passive activity? What are ways to activate courage?

What is courage?

First of all, what is courage? Courage is the ability to confront fear, pain, danger and uncertainty. Courage is defined differently for everyone. Some might see courage as lacking fear in a situation that normally would trigger it. Some might even consider a courageous act to be reckless. At the heart of courage is the ability to confront. Confrontation is something most of us shy away from, and yet fear, pain and uncertainty are a part of life for people over 40.

?At midlife, the part of ourselves that we have known, the caterpillar, is in essence disintegrating. We are stepping into the abyss without a clue as to where we will emerge from it. We are leaving behind what we have known ourselves to be and all the safe and predictable containers of that reality,? writes Kathleen Brehony in Awakening at Midlife. How frightening, uncertain, and painful is that?

My own story is an example of stepping into the abyss. At the age of 47, I was a long-time single woman with my children off creating their own lives. I had a middle-class life with a nice house, a great but stressful job, and a 401K. I did not, however, know the woman who looked back at me in the mirror.

I could have made several choices. The first would have been to keep working hard and ignore the inner rumbling, and for a while, I did just that. I kept doing what I was doing. Then a friend of mine was diagnosed with terminal cancer and I was overcome with emotion that was very personal. I was concerned for her; but I was equally concerned with ME. What if that were me? What about my unlived life?

I was scared. I was in pain. I did not like the place where I was, feeling uncertain. I call this ?walking through the valley.? I needed to go deep within myself for the courage to confront the fear, uncertainty and pain. I found my courage through discovering my own spirit of adventure.

The spirit of adventure

Jeff Saltz in The Way of Adventure says, ?Adventure is any intentional experience that substantially alters our perspective long enough to see things we have never seen before?to see familiar things in ways we have never seen them. The most exotic destination of all is the one that fulfills all your yearnings?found within your own adventurous spirit?after you?ve put yourself to the test and found hidden reserves of creativity, resourcefulness, and perseverance.?

Sounds exciting, eh? Perhaps in theory?but how do we really do this?

Take a leap of faith. If you always do what you?ve always done, you get the same outcomes. Deep within you, you know what you want to do. It?s the action that makes the difference. Joseph Campbell writes in The Hero with a Thousand Faces, ?A hero ventures from the world of the common day into a region of supernatural wonder.?

Connie was a 51-year-old divorced mother of two grown children. She had worked for years teaching elementary school because it was a good income and gave her summers and school holidays off. She had to admit, however, that her heart had gone from teaching for the previous few years. Bureaucracy and changes in the education culture had driven Connie to dread weekdays and long for weekends. She worked harder at trying to ?love her work,? doing gratitude journaling and starting a teacher?s support group. The problem was, she felt worse, not better, from her efforts.

That winter, Connie got a cold that turned to pneumonia and required bed rest for several days. During that time, she started journaling her thoughts, and came to a realization that her job was making her sick. She recognized that she no longer ?needed? the things teaching once brought to her. She began to focus instead on what she did need.

Connie wanted to write and express herself. At the end of school term, she put in her notice and spent the summer in a writing course. She then went to work as a librarian four days a week and began to do freelance writing on a part-time basis. Today, four short years later, Nancy has ongoing jobs as a freelance writer, and has co-written and published a book on helping children to read through common parent-child activities.

Where is your leap of faith? What needs to change to allow barriers to lift?

Appreciate Adversity. Buddhists say that we learn our life lessons by way of our life changes. Life events cause us to change in order to deal with them. By midlife, we can look back at our journey and get an appreciation for just how we have had to adapt.

Janine, a 47-year-old gay woman, had battled juvenile arthritis since the age of 15. She prided herself on embracing yoga into daily life, practicing good nutrition, and having a good attitude. However, with the discovery of a lump in her breast and diagnosis of breast cancer, she became angry. ?Why me?? she ranted on to Jill, her partner of 15 years. This ?why me?? brought up a flood of angry emotions unresolved from childhood. Janine began to focus on how ?different? she had always been because of the arthritis, and how unfair her life seemed to be.

After some months of chemotherapy, Janine started to process her anger and, through a coaching relationship, began to focus on the gifts of being ?different.? She realized that the resilience she developed as a child to deal with being different, e.g., not being able to partake in some sports and having to take rest breaks after school, allowed her the courage to ?come out? as a gay women in her early 20s. Janine began to see how she could have made other choices that might not have been so favorable to her now. She began to see the power of her current situation. With renewed energy, she volunteered at the Arthritis Foundation, focusing on Youth Support.

What have been the adversities in your life? How can they be reframed for your benefit? Can you see the choices you have made on your journey that have allowed you to arrive where you are right now? How can this new self-knowledge help you to take your next step?

Change Your Environment. As an occupational therapist I look at a person?s experience as being powerfully affected by both inner and outer environments. Same person plus different environment equals different outcomes. We often forget this powerful variable and get into a ?rut? due to years of doing the same thing. Midlife is a time to shake ourselves up a bit.

Sarah was a 60-year-old married woman living in upstate New York, with four grown daughters and ten grandchildren. Sarah was the family matriarch in this strong Jewish family, and had worked for years as a social worker in an agency that supported women who were victims of domestic violence. After her mother?s death ten years ago, Sarah had looked after a very demanding father who lived in Florida, as well as her husband?s mother, a widow, aged 85 and still living on her own.

Sarah, after years of wanting to travel to New Zealand and being able to afford it, but denying herself the pleasure due to guilt for all the starving children in the world, finally came to do a women-only inner/outer six-day adventure on New Zealand?s South Island. She had not had a vacation in 10 years, instead taking her vacation times to babysit grandchildren, or visit her father, or catch up on home management tasks.

This adventure took Sarah away from the demanding voices of her children, grandchildren, in-laws, father and others. Her adventure dictated that she had no computer, clock, schedule, or television. Hiking for 4-6 hours a day with six other women, Sarah was strongly affected by the outer environment of nature.

Daily journaling, group ceremony and facilitation gave her insights to share with other women, and Sarah started to question her beliefs. For the first time in her life, she began to see herself as a woman without attachments, a woman with a mission of her own. Sarah began to see how she was ?controlling? her own life by not letting her daughters be independent of her ongoing guidance. She also saw that there were many areas in her father?s and mother-in-law?s lives where she could set boundaries. Most significantly, the achievement of backpacking the journey on her own and facing her thoughts and beliefs gave her the courage to ?face anything!?

Sarah went home to re-create relationships with her entire family. While some of them welcomed her changes, others were scared and slower to adapt. Sarah was ready for this. She had gained courage to ride out any familial storm through having changed her inner/outer environment. Walks on the weekend and daily journaling kept her courage well-fueled.

How long has it been since you purposefully changed your environment for any length of time? What strengths would you discover if you challenged yourself to do things you?ve never done before?

Midlife is a time of transformation. To deny this is to deny ourselves an opportunity for growth and discovery. As with any transition, a middle ground exists, a valley that we all must walk through. Discovering our own spirit of adventure affords us the courage that allows us to cross the valley with more certainty, less pain, and the ability to look back over our shoulder and say, ?If I can do that, what else can I do??

Jennifer Wright, ?Mid-Life Spirit of Adventure Guide for Women? coaches women globally in over-40 transitions of mid-crisis, pre-retirement, empty nest, career change, and workplace adaptations to find adventure in life overwhelm. Trained as an occupational therapist and later as a life coach, Jenn combines the physical, emotional and spiritual elements in her coaching for women. Featured in TIME magazine?s Female Midlife Crisis 2006 edition, 60 Minutes, she is now waiting a PEOPLE magazine feature. Visit her website at http://www.midlifeadventure.com and sign up for her free monthly adventure newsletter and receive her article Top Ten Ways for Successful Midlife Transition.


Friday, March 6, 2009

Thursday, March 5, 2009

Ten Famous Toy Recalls

The number of recalls issued by toy manufacturers is staggering. Today there seems to be little attention and thought in the design of children's toys, other than to make them as cheaply as possible. The design level is certainly lacking the element of making safety first. It is apparent the parents or those buying the toys are purchasing them without the knowledge of reading the box which will say Parts that can cause a choking accident. We have to be more vigilant in the supervision of children and look to see if a situation is life threatening.

Here is a list of a few products that have been listed on the top ten list of recalls:

1. Toy Mobile Phones Recalled for Choking Hazard
International Playthings Inc., of Parsippany, N.J. recalled 50,500 iPlay My First Mobile Phones. The toy phone's yellow antenna could detach and posed a choking hazard to young children.

2. Next Marketing Inc. Recalls Youth Hooded Fleece with Drawstring for Strangulation Hazard

Next Marketing Inc., of Wabash, Ind. recalled 22,000 Youth Hooded Fleeces with Drawstrings. The drawstring, which went through the hood of the fleece, posed a strangulation hazard to children. In February 1996, CPSC issued guidelines to help prevent children from strangling or getting entangled on the neck and waist by drawstrings in upper garments, such as jackets and sweatshirts.

3. Simplicity Cribs

After the death of a 19-month baby in Myrtle Creek, Ore., the U.S. Consumer Product Safety Commission and Simplicity Inc., of Reading Pa., renewed their search for recalled Aspen 3 in 1 Cribs with Graco logos. The child died on Jan. 6, 2006, after two of the mattress support slats came out of his recalled crib. The infant was trapped between the mattress and the foot board of the crib and suffocated.

4. Fisher-Price Infant Musical Toy ChairHazard

Fisher-Price, one of the most well-known toy manufacturers in the world, voluntarily recalled about 614,000 Fisher-Price Laugh & Learn & Trade Musical Learning Chairs. It was possible for a child to get stuck between the back of the seat and the side table attached to the chair, which could cause the child's neck to become stuck as well and posed a strangulation hazard.

5. Mattel Polly Pocket magnetic play sets

Mattel Inc. recalled 4.4 million Polly Pocket magnetic play sets after they found out that three children had been hospitalized with serious injuries after swallowing tiny magnets which fell off of the toys.

6. Mega Brands Inc. Magnetix Magnetic Building Sets

3.8 million of these Magnetix sets were recalled after a 19-month old, and three other children were injured from parts of the toy, one fatally. The magnets were distributed loose in the box and were fairly small. If swallowed, several of them could magnetically bond together inside the digestive track and cause serious blockage.

7. Riding Toys

There were 20 toy-related deaths and 152,400 toy-related injuries involving children under age 15. Although no deaths occurred, The majority of injuries were sustained from riding toys.

8. KFC Tangled Treeples Toy

These toys came with KFC kids meals in June and July of 2000. The container the toys came in could fit over a child's nose and mouth, posing a suffocation hazard to children.

9. Playskool Toy Tool Bench

Playskool voluntarily recalled this toy after it resulted in the death of two toddlers.

10. Children's Cooking Sets

A popular Children's Cooking Set was recalled because the glass lids were considered a laceration Hazard.

When it comes to children, toy manufacturers need to think safety first. Children are vulnerable and need constant supervision, but parents have learned to depend on and trust the judgment of companies like Playskool and Fisher Price. Like it or not, those companies have, at least in the opinion of this writer, a responsibility that is inherent to the industry they've chosen.


About the Author:

Alex consults for a hobby shop mainly for older kids, but their model cars appeal to car lovers of all ages and their plush toys can light up the smile of any child.


Tuesday, March 3, 2009

A $2 Guide to Miami Real Estate Investment

What could a $2 bill get you? Big Mac, large fries and Coke. Or, perhaps a pack of Players filter cigarettes. On quick notice, not much. But an article I came across online which cost me $2 on subscription, saved me from real estate investment catastrophe I could have willingly and voluntarily willed upon myself, due to sheer ignorance and reluctance to be coached by those who have gone before me, in what everyone perceived as the only way to financial glory - Real Estate Investments.

The article was concise, it could just pass up as an ordinary high school essay, but I subscribed to it because it had on its title what I urgently needed - a guide to Miami real estate investing.

What I got was a guide, all right, but it was not written by real estate gurus, rather by someone like me who flanked even harder than I imagined to make myself.

What's $2 anyway, so I read on.

The words hit me like an upper cut with a twin jab on the torso. It still sounded like an ordinary high school essay but the tips are workable, sincere and practical. In fact, I never thought real estate investing in Miami could get THAT simple. The scholarly materials I had, suddenly paled in comparison. For one, my $2 article didn't tell me I will succeed, it simply pointed the way for me not to go bankrupt!

Here are the rules - for free:

RULE NO. 1 - Partner with a Pro.

If you have decided to build a lucrative income through Miami Real Estate investments, affiliate only with Miami's most trustworthy Real Estate Brokers. There is more than a dozen to choose from. Take your best pick based on their past experiences and level of market dominance.

Partnering with a trustworthy broker saves you years of learning the basics, and ward off errors that often come with inexperience.

RULE NO. 2 - Back off early when you are not fully ready.

Miami Real Estate investment may be fast-paced, and properties don't sleep too long, but there are occasions they could also slow down. This is the real nature of real estate investment in Miami and anywhere else. The proverbial hotcake selling isn't always easy. Real Estate is not a liquid investment. Your money could sleep a while, longer than your expectations. Without sufficient capital reserve, it is unwise to go into real estate investing.

When you have assessed your financial capacity and found out that you are not ready - step out. Knowing your limitations will save you the shirt on your back, as well as the roof over your head.

RULE NO. 3 - Master the WHAT, WHERE and HOW of Miami Real Estate

Investing.

What to buy will determine largely your failure or success in real estate investing. As a rule of thumb among successful real estate investors, the purchase of a low-cost property, made to wait for the right time to be sold for a profit, promises higher yield.

Where to look is almost as crucial as what to buy. Develop a keener sense of prospecting locations that have a good chance to appreciate in the coming years. Observe fads, as well as trends. These dictate behavioral patterns of individuals that can affect their choices of investment properties.

How to recoup investment in a shorter duration of time will determine the kind of progress you will have in real estate investing, as it will define the level of your maturity to manage investments in the long term.

Research on various trends and approaches. In Miami today, preconstruction investment has sent out a fever-pitch enthusiasm among investors looking for partially-developed or yet to be developed investments in promising locations. They make a small down payment to put a hold on that property even before construction begins. As soon as construction is completed they resell the property right away for a tidy profit.

You can develop expertise on managing preconstruction investments, or flipping real estate properties. This is where this $2 article created millionaires out of ordinary individuals.

RULE NO. 4 -- Decide where you will build expertise and focus on it.

Does lease/rent option appeal to you? Would you sell wholesale or retail?

What are your interests, educational preparation, present assets and personality profile that create a fit to available investment options. Decide on a single investment strategy, and build on it.

Don't fret if you are a newbie in real estate investments. Bigtime achievers also took the first steps you are about to take. Their success could be yours, too if you follow the four (4) simple rules outlined above. These rules were carved from the experiences of those who went ahead and succeeded.

But as experiences are comparable to fashion, don't get stuck with them for a long time. Instead, continue to observe and learn new trends. Investing in Miami Real Estate is fast-paced, the trick to keep up with it is to know where it is heading, get there before your competitors do, and cash in the advantage.

Christiene Socorro C. Villanueva

Miami Real Estate

Christiene Socorro C. Villanueva - http://www.floridarealtyfinder.com

Monday, March 2, 2009

How To Control Your Financial Future?It Can Happen!

Has an amazing business deal fallen through the cracks because a primary funding source refused to lend you the money needed to get the deal done? Have you been rejected by the bank when trying to obtain a loan?

Beyond the primary lending market, there is an alternative funding source known as the sub-prime or secondary market. The National Real Estate Investor published its Borrower Trends Survey in February 2006, which indicates after approaching banks, 32% of respondents cite private investors as debt sources. Another world of financing opportunities quick and easy to deal with and that want to lend to you!

According to the 2002 U.S. Census Bureau there are 271 secondary market financing establishments, a 22.5 percent increase in comparison to the 1997 survey results. The trend of increase is still developing as the secondary market gains wide visibility. Private lending, an alternative you should take into consideration, is a fast and flexible way to receive funding. An essential difference between the primary and secondary markets is secondary markets will accept higher risk and less than perfect credit.

Banks often will decline funds not only to imperfect credit sources, but also for not owning enough assets. Banks may also decline your request for a loan if the amount is not large enough! If you are trying to invest in a new office building and need the capital to get off to the right start, don?t give up! Research the secondary market and get the cash to purchase the building you need. If you need cash flow the secondary market is where you go!

The building blocks to your wealth start with stepping off the beaten path that traditionally led to banks, credit unions, and mortgage companies. The secondary lending market has expanded significantly over the years and accounts for a great deal of home and business purchases today. A multitude of business professionals and investors are seeking opportunities but don?t know where to turn.

Let?s get back to focusing on our goals and dreams and turn our backs on glass ceilings and closed doors. It?s the entrepreneurs that make our economy churn. What are you waiting for? Now is your chance to build businesses and wealth. I will see you on the early beaches of retirement!

Maria Fee is a mortgage professional, real estate investor, teacher, and master marketer with more than 20 years of business experience. Maria is the President of REMI KNOX, LLC, a group of investors who purchase real estate notes nationwide. Quoted by the media as an expert, she is continuously recognized for her extraordinary knowledge and real estate investing experience.

You too can discover hidden secrets to success with real estate notes. To take control of your financial future with proven strategies visit Maria's website at http://www.REMIKNOX.com. Happy investing!

Sunday, March 1, 2009

Do You Know The Risks Associated With Breast Surgery?

Breast surgery is undertaken in two cases:

-Breast augmentation

-Breast reconstruction

Breast Augmentation:-

Breast surgery for breast augmentation involves making a single incision in or near the breast and inserting the implant either between the breast and the chest muscle (sub-glandular placement) or behind the chest muscle (sub-muscular placement).

A second incision can be made in the natural crease under the breast, called the infra-mammary crease approach.

A third approach is to make the incision at the junction of the coloured part around the nipple(areola), and the natural skin, called the peri-areolar approach.

Each of these approaches has its advantages and disadvantages. Which one is utilized on a patient is totally dependent on her natural anatomy, her preferences and what the doctor advises. Breast augmentations use saline-filled implants because of their safety and natural look. Post surgical swelling, pain and discomfort is normal. Most women return to work in about ten - twelve days after surgery.

Breast Reconstruction:-

One of the most valuable surgical procedures used today is breast reconstruction. This is a surgical procedure to bring back the appearance of a breast for women who have had a breast removed (mastectomy) to treat breast cancer. The surgery rebuilds the breast contour and, if desired, the nipple and areola.

Although the reconstructed breast will not have natural sensation, the surgery can give a great result that looks like a breast.

One has the choice of immediate or delayed reconstruction after a surgery.

-Immediate reconstruction or the one stage process involves placing a breast implant directly after mastectomy. Few women are able to go through a one-stage process ? having the implant placed at the time of the mastectomy. In autologous tissue reconstruction, the doctor transfers a section of skin, muscle, fat and blood vessels from one part of the body to the chest to create a new breast mound. The skin and tissue need to be augmented with a breast implant to achieve the desired breast size.

-Delayed reconstruction: It involves placement of a tissue expander that is eventually replaced by an implant.

Reconstructive breast surgery does not interfere with future treatments such as radiotherapy, chemotherapy, or detection of recurrent breast cancer. It also does not increase the risk of recurrence of the breast cancer.

Recovery time is usually six to eight weeks. Risks of bleeding or infection are possible. It may take as long as 1 to 2 years for tissues to completely heal and for scars to fade, but the scars never go away entirely.

Lumpectomy -

Lumpectomy is a surgical treatment method for women who have been diagnosed with breast cancer. This is breast-conserving surgery since the surgeon removes only that part of your breast that contains the tumour (the lump) and some of the normal marginal tissue that surrounds it. If cancer cells are found in the margins, additional surgery (called re-excision) is required. Most women receive five to seven weeks of radiation therapy after lumpectomy, in order to eliminate any remaining cancer cells.

The combination of lumpectomy and radiation is called breast-conservation therapy.

Lumpectomy is a breakthrough surgical procedure for early stage breast cancer with around 50% of women suitable. The location, size, and type of tumour are of importance when considering breast cancer surgery options. Experts agree that since survival rates are equivalent to masectomy, lumpectomy followed by radiation is the preferable treatment for most women with early-stage cancer. For women who have had lumpectomy with clear margins, followed by radiation, the average risk of non-recurrence is between 85-90 percent.

Post surgery precautions:-

-Do not lift anything heavy. Restrain doing repetitive movements (like ironing or vacuuming) with the affected side for at least 4-6 weeks.

-Do not swim or play sports until your scar has healed - about 4-6 weeks.

-Women should wear a well-fitting support bra both day and night for approximately one week after surgery.

-Protect your hand and arm from infection.

-Keep the fluids moving in your operated arm. Do not wear tight sleeves, bracelets, wristwatches or rings on that arm.

-Do exercises to stop swelling and improve circulation. For instance, try squeezing a rubber ball with your hand for a few minutes a day.

Risks associated with lumpectomy:-

-There is usually a loss of sensation in the breast, depending on the size of the lump removed. Some or most of this ability to feel gradually returns.

-After surgery, both the breasts may mismatch in size and shape.

-Seroma - a collection of fluid under the arm occurring about five days after surgery. It is likely to go way in a few weeks or else needs to be drained by doctor.

Risks associated with breast surgery ?

Any surgery involves a certain amount of risk and it is important that the patient understands the underlying risks, before she takes a decision on it.

Complications vary from person to person and every patient experiences her own individual risks, but still the patient should have complete idea about the possible outcomes.

An overview of the possible risks:-

A. Capsular contracture - occurs if the scar or capsule around the implant begins to tighten. This can cause the breast to feel hard. Additional surgery may be required to remove the scar tissue. In some instances, the breast implant may need to be replaced.

B. Infection

C. Difficulty in mammography

D. In many cases, nipples become oversensitive or even numb.

E. Leak or rupture of the implant

F. Hematoma (collection of blood), and seroma (collection of fluid) within the tissue leading to capsular contracture and infection.

G. Wrinkling and rippling of the implant

Read more about Natural Breast Enhancement and other breast care issues at http://www.mysecrethealth.com

Also read more about the Benefits of Natural Breast Enlargement.