Terrific Teacher Gifts

Your child's teacher is one of the most important people in his or her life on a day-to-day basis. If you stop to think about it, kids spend 5 full days per week with this person, learning extremely valuable life skills and knowledge. Showing teachers that you appreciate their efforts with your children is a wonderful thing to do. But how do you pick a gift that conveys this appreciation?

Buying a gift for a virtual stranger can be tricky. One tip is to get your kids involved! Not only will the gift be more personal if they help pick it out, but the fact of the matter is that they do spend more time with this person than you do. They just might know better what he or she will like!

You can also try to get other parents involved. If you can get a few others to chip in $ 10 or $ 20, you'll be able to buy a really nice gift rather than something small. If you're able to pool money, you could think about buying a weekend getaway to a local B & B, a nice piece of jewelry, or even a luxurious down or cashmere-like blanket for them to wrap up with on cold nights!

o For a Creative Gift. Teachers love their students, so getting something your child can help pick out would really hit home. You could think about a charm bracelet and let your child pick out some charms to go with it. Even a thank-you card your child makes herself would really make the teacher feel appreciated.

o For a Healthy Gift. Give your child's teacher a night of relaxation. You could put together a movie-night themed gift, like a ceramic popcorn bowl, some gourmet popcorn, and a movie you think he would like.

Or think about getting her a gift certificate for a massage or other spa service. An afternoon of pampering would be much appreciated!

o For Pure Decadence. Consider buying the teacher a lavish gift certificate to the local teacher supply store. Would not she be thrilled to go buy classroom supplies to her heart's content? You also might purchase a bunch of new books for the classroom's reading corner.

If you'd rather get something for the teacher herself, take the lead from your child. Find out what she enjoys doing in her off time. If she enjoys golf, get her a round on the local course. If he enjoys art, get him some high-class art supplies or a one year's pass to the local art museum.

o For the Time Honored Gift. This one might take some coordination (if there's a teacher's assistant, she might be well-placed to help you in this), but it's well worth the effort. If you can get the whole class involved, have everyone write a short letter to the teacher that explains why they love her or him so much. You can then take all the letters and put them in a beautiful photo album with pictures of all the kids. It will be a keepsake they'll never get rid of!

o For a Technology Gift. There are a million different choices here, both for use in the classroom and outside school. You could purchase an educational set of DVD's that he or she might have had her eye on for a while, or a new CD player for the classroom. Think music as a background for creative writing and put some tunes on a CD for the teacher.

The key to getting a great gift for your child's teacher is to not wait until the last minute to start thinking about it! While the decorated coffee mugs and apple-themed gifts are appreciated, it's also nice to get something unique (and special) once in a while.

A Key to Great Investing: Understanding Risk

Maybe it's the way we're wired, but most people are terrible at assessing risk. We put our money in "safe" investments and get clobbered and avoid "risky" investments that double and triple. Here are a few ways improving risk can hurt:

1) Avoiding the stock market altogether.

Conventional wisdom says the stock market is a dangerous place where you're sure to lose a fortune or a casino where you have no control over results. Conventional wisdom could not be more wrong. Look at the history of the market since its inception, and you'll see some wild rides. What you'll also see are long-term results that beat almost anything else you can find. Good luck trying to make some people believe this, though. They know what they know; do not confuse them with the facts.

While the gyrations of the stock market make its short-term risks easy to see, the risks of bank accounts and bonds are hidden. Every month, you see some interest on your bank balance-though small – and the principal is always there. What you do not see is a greedy monster called inflation, typically gobbling up the purchasing power of your funds. If you hold bonds to maturity, the same thing often happens. Get your principal and interest back, but lose to inflation. And if you do not hold to maturity, your "safe" bond investment may be anything but. Who wants to buy your bond yielding 1% if interest rates jump to 4%?

2) Investing only in large cap stocks.

Giant companies have a place in every portfolio. They throw off wonderful dividends that keep money coming in even when the market is tanking. Their strength helps you sleep at night. But buy them when they're overpriced, and you'll have to collect a lot of dividends to get your money back. Moreover, they'll fail to return as much as the average small or midcap portfolio.

Risk assessment is a tricky thing with smaller cap stocks. Look at one microcap stock, and the risk is awful. Look at a diversified bunch, and the risk shrinks dramatically. Some of your microcaps might go bankrupt (although you can minimize that risk by taking a good look at debt, cash flow, and earnings), but the ones that do well will often go through the roof and leave your overall performance looking quite impressive.

3) Thinking stocks are more dangerous when they're actually safer.

Most people assume they should stay away when the market drops 20%. After all, it might drop a lot more. By focusing on potential short-term pain, they ignore the fact that a good company's stock at 20% off is usually safer than one at full price-especially if it's the stock of an all-weather company that will sail through the next recession.

If you think you're immune from this, ask yourself how you feel about buying a house. Chances are you're a lot more nervous than you were a few years ago, even though there's only a small chance that houses will perform as terribly in the coming years as they have for the last few.

4) Thinking stocks are a great buy when they're actually a huge rip-off.

Remember those people who thought the stock market was a big casino or a sure way to lose money? Wait till the next market boom. Suddenly, they'll think the market is a great place to invest. They'll fill your ear full of stock tips-most of them bad. Avoid this by looking at numbers instead of listening to cheerleaders. As the average P / E ratio of the stock market climbs higher, stocks become more dangerous in spite of claims that it's different this time. That does not mean there are not any bargains, but you will not find them by listening to hot tips.

5) Thinking anything is a sure thing.

Every aspect of investing is fraud with risk. Hurricanes, earthquakes, terrorist attacks, and accounting shenanigans can torpedo a stock in spite of your best efforts. That's why every portfolio needs more than one stock, and every portfolio need to be invested in more than one sector. Be wary of throwing money at everything in equal amounts, though. This is a guarantee of mediocre results. Instead, calculate the size of each investment based on your estimate of potential returns, but with a healthy respect for the threat of the unexpected.

6) Thinking past performance is a guarantee of future results.

A stock that had an extra year is not necessarily going to have another. The same goes for fund managers.

Even the long-term inflation-beating performance of the whole market is not guaranteed, although it's a pretty good bet. That's why you always need to keep some funds in cash and alternative investments.

Conclusion:

Risk assessment is not an intuitive skill. If you rely on sloppy thinking or feelings, you'll almost certainly get it wrong. Take the time to learn how risk works and to know as much as you can about each of your companies. The rewards will be worth it.

Understanding Residential and Consumer Mailing Lists for Better Business Promotion

Consumer mailing lists play very significant role in e- Commerce expansion. The consumer list is the database or information of potential customers. With the targeted demographics, the consumer lists offer personalized services and information to various businessmen who could use some expansion. Most of businesses which are in start-up phase or stopped growing due to the lack of customers or blindfold marketing, can utilize the benefits of these lists. They can send e-mailers, promotional materials and catalogs to them but to make the most of these lists it very important that marketers and businessmen understand the value of mailing list selection.

Mailing lists are of two types: consumer mailing and residential mailing lists. The later is also referred to as saturation or occupant lists. The residential list is bulk list of postal addresses. It contains the addresses of residents completely qualified from the US post office. This data is updated on monthly basis. Based on these address lists, you can pull certain statistics and information on potential customers such as average income, lifestyle and the other eligibility criteria. For instance, you would not like to offer high-end furniture to a person who is living in one room apartment. Every deliverable of this list can help you reach every mail box and communicate your business. If you are running a restaurant or coffee shop, want to promote a religious program for church, this address based residential list is for you.

You can contact many compilers to get these lists. You can find them online as well. The residential mailing list is very cost effective. You can also ask your compiler to provide you a saturation list to reduce the charges further. It implies that majority of the addresses (about 90 percent or more) come from the same route. It should also be in a walk sequence which means the addresses are within walking distance for the US postal service delivery. Both inexpensive and easy, the address lists compilation can save a lot of money for your business.

Although, the residential lists are not fit for the businesses which are looking for more targeted and aggressive market approach. They prefer consumer mailing lists for more accurate information on the customers. Compiled from various sources such as telephone directories, credit cards, mail responders and other records, the consumer list is expensive but a sure-shot guarantee of increasing results, revenue and sales.

How to Remove Smart Internet Protection 2011 – Complete Removal Tutorial

Smart Internet Protection 2011 is a fake program that aims to scam as many users as possible. The program was created by hackers, with the main purpose of it being to infect computers and trick as many users as possible into thinking that it's a legitimate application.

What Is This Virus?

The application is actually just a very cunning virus. It spreads through the system by installing itself in different parts of the computer or in different components. Once the program has been installed, it will attempt to scare you into purchasing the fake upgrades that it offers as the only solution to prevent permanent damage to your computer. You should never, under any circumstances, agree to installing the product or purchasing its upgrade. However, in case the application has already been installed, it's necessary to remove it as soon as you can. A number of removal methods for Smart Internet Protection 2011 are enumerated in this discussion.

Smart Internet Protection 2011 is classified by software security experts as a malicious kind of application, often labeled as malware. It is capable of infecting the computer and taking control of many processes. The sole purpose of the program is to get users to buy the fake upgrade and steal any valuable personal data it can find. There are several ways that Smart Internet Protection 2011 can invade your computer. It could be through a fake email attachment, dodgy website or a malicious download. Once the program gets inside the system, it prevails a lot of programs from properly running. It can also steal and delete important files and documents. To make sure that the program will not persistently cause any problems, you need take note of the following procedures outline in this discussion.

How To Remove Smart Internet Protection 2011

The way to get rid of Smart Internet Protection 2011 is to first stop the virus from running before removing it from your computer for good. The problem is that since this virus is going to disable your antivirus programs, you have to first stop the program from loading before being able to get rid of it. To do this, you can either manually restart your system into "Safe Mode" (which stops the virus) and then delete the files it will be using, or use a piece of software called a "malware removal tool". Either way, you have to stop the program from running before deleting it completely.

The best way to get rid of this virus we've found is to use a "malware removal tool" – as these programs scan through your computer and get rid of any of the issues that may be inside. The best is Frontline Rogue Remover, which has proven to be incredibly successful in tackling fake antivirus infections like Smart Internet Protection 2011. This type of application specifically targets malware programs, shuts down their actions and deletes them from your PC. It can be downloaded from the internet and easily installed onto the computer.