Thursday, October 18, 2012

9 creative ways to boost your income

Carolyn Kaster / AP file

A seller works on her hat display at a yard sale, Such sales are one of many ways you can put extra money in your wallet.

By LearnVest.com

So, you're looking to make a little extra cash?

As a parent, any additional income you bring in for your family will definitely be put to good use for, say, a college fund or rainy day savings. You may also need extra bucks for shoes for your toddler, who outgrows hers like she's getting paid to do so.

Because we're probably a little bit too old for lemonade stands, we had to look elsewhere.?And guess what? Nowadays, with ubiquitous smartphones and laptops, the easiest ways to earn extra cash are accessible to everyone at the click of a button.

Learnvest.com: The 10 worst interview questions (and the 5 best)

To help, we hunted down apps, opportunities and projects and chose nine "extracurriculars" that are particularly flexible in nature, so you can earn some cash while the kids are at school ... or maybe even bring them with you.

Download apps

Apps aren't only fun ? they're income!

Easyshift is an app that lets you moonlight as a "mystery shopper." When you go on your regular errands, you complete tasks for retailers' research departments like taking pictures or answering a few questions, and you get paid ($2?$4 per task) for the privilege.

Learnvest.com: 10 money secrets of happy moms

Other apps for extra cash include WeReward and Field Agent.

Multitask your errands

Have you heard of TaskRabbit? It's a website (and app) that lets you outsource chores to willing parties. If you're one of those willing parties, you can earn some extra cash doing anything from picking up groceries to assembling IKEA cabinets.

Use your car

If you have a reliable car (and some great driving tunes), consider bringing in some extra money from a car-sharing service. Services like ZimRide let you sell seats on trips you're already taking for as much as $25, and services like Relay Rides let you rent out your car at your chosen price for the hour, day or week (and provides free insurance).

And what about parking? If you have it, you can rent that out, too, with Parking Panda.

Baby-sit

Almost everyone has dabbled in baby-sitting at some point, but the job only becomes more lucrative as you grow older and are able to offer more skills, like driving, cooking or CPR certification.

Websites like SitterCity or Care.com are great resources for matching sitters with families.

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Charging $12?$15 per hour is pretty standard, but to figure out how much is appropriate for your age and experience, use SitterCity's Babysitter's Rate Calculator.

Spread your availability by speaking with your child's teachers, any friends who work in your community and with real estate brokers, who may work with families with small children who are new to town. If possible, you may even consider an arrangement where you can watch children at your house; it's a built-in play date for your own kid!

(Prefer watching four-legged cuties rather than two? Petsitting.com has you covered.)

Sell your clothes

Another way to finance your habit might be cleaning out your closet ? and your child's. It's doubly beneficial: You can clear clutter and make some cash at the same time.

Learnvest.com: The science of spending: What really makes us happy?

Start by choosing high quality pieces from the current season without any visible wear and tear. Make sure they're clean and folded, then bring them into your local consignment store.

If it's easier, take well-lit pictures of the pieces and list them on a site like eBay or Dresm, a site specifically meant to facilitate sales of used clothing.

Tutor

Do you have a masters degree in engineering? Are you a whiz in the kitchen? Do you know the ins and outs of Photoshop?

Any skill someone else wants to learn is an opportunity for you to teach it. Depending on experience and whether or not they join a larger organization, tutors can bring in up to $50 an hour (in cash) teaching out of their own homes, or visiting their students (who could be both children and adults).

Learnvest.com: 8 things that aren't worth the money

In addition to advertising in your community through standard newspaper ads, Facebook posts and fliers in the library, consider applying to be a tutor on sites like Tutor.com, the Princeton Review and Kaplan.

Take online surveys

If you spend hours surfing the Internet, what's a few extra minutes spent taking a paid online survey?

Websites like Free Paid Surveys or Opinion Place allow you to make money from the comfort of your home. If you're looking for something more interactive, list yourself as available for focus groups by joining FindFocusGroups.com.

Become a style entrepreneur

Style blogs don't have to be a guilty pleasure. Instead, they can be the inspiration for a side job as a "style entrepreneur."

StyleOwner is a free site that lets you create your own store by choosing items from a ?Master Closet? of more than 2,000 brands. When your friends ? sent that way through your tireless efforts on Facebook, Twitter and emails, no doubt ? buy from your store, you earn 10 percent on everything you sell.

Host a yard sale

With the right curatorial skills, yard sales can be a lucrative way to make extra cash. To get the most traffic at your yard sale, advertise on Craigslist and in your town newspaper, and consider coordinating with your neighbors to hold a group sale.

If you're lacking a yard (or half-decent weather), there's also the option of hosting a virtual yard sale: The app Yardsale lets you connect with neighbors and friends without setting up a single folding table.

Source: http://lifeinc.today.com/_news/2012/10/17/14456395-9-creative-ways-to-boost-your-income?lite

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Thursday, October 11, 2012

Techniques for Using Art in Science

There are many different ways to help children translate what they have learned about a science concept into abstract and artistic representation. This is an important skill because it not only allows children to apply what they have learned (and to demonstrate their understanding) but it also invites children to move to higher levels of thinking. During what Jean Piaget defined as the Pre-Operational Stage (usually from 2-6years) children are on a ?search for representation? and their major task is to master symbolic and representational function.

Some suggestions for artistic and scientific abstract representation:

? Field Drawings: When children observe both in the science center or classroom or outside, invite them to ?record? their observations with drawings. It really doesn?t matter if their drawings look anything like what they see. Have drawing paper near your microscope or magnifiers. Always take sketchpads outside for playtime. You never know when an amazing discovery will occur.

? Prediction/Results Charts: Before testing out a concept such as ice and melting ask children to make predictions about what they think will happen. What is the best place for ice to melt fast? What will happen when you paint on frozen paper?? Record these on chart paper with words and drawings. Add the results at the end of the activity and discuss the findings.

? Graphs: Simple graphs made with objects or pictorial representations are essential for demonstrating information in an abstract format.? After a rust experiment children can paste in 2 parallel columns the objects that rusted and those that did not.

? Field Photos: Children can be amazingly adept at using cameras if they are shown correct handling and use.? Use disposable or even digital cameras for children to record their observation and experimentation.

? Audio Field Notes: Of course, recordings don?t have to all be made on paper.? Show children how to use a simple handheld tape recorder to record their observations on a walk or in the classroom.

? Science Journals: Provide small notebooks for children to keep their field drawings, photos, and writing.

Make 9x12 size copies of the class charts and graphs in order for children to share their work with families.? The science journal is an excellent way for families to talk ?science? with their child. You might want to include a note to parents with a summary of the science project and some questions they can ask to help them discuss the work in the journal.

? Measurement Charts: Science often involves measurement. When children are measuring the growth of a moong seed sprout or the rising of bread dough. Use graph paper, strings, ice cream sticks, or adding machine tape to record their measurements and paste these in a row across a recording chart. Children will be able to ?read? their findings by reading the pictures!

Source: http://children.ezinemark.com/techniques-for-using-art-in-science-7d37e520d17d.html

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UPDATE: Saving The Moline Train Depot - KWQC-TV6 News and ...

  • Early Morning Shooting In Davenport-Update

    Early Morning Shooting In Davenport-Update

    Oct 8, 2012 07:56 AM CDT2012-10-08 18:46:08 GMT

    Police are investigating a shooting in Davenport early Monday morning. Around 4:00 a.m., officers surrounded on a home in the 6000 block of Hillandale Road. Crime scene tape is wrapped around one of theMore >>Police are investigating a shooting in Davenport early Monday morning. Around 4:00 a.m., officers surrounded on a home in the 6000 block of Hillandale Road. Crime scene tape is wrapped around one of theMore >>
  • Davenport: Schools & Genesis West React As Mysterious Gas Smell Returns

    Davenport: Schools React As Mysterious Gas Smell Returns

    Oct 8, 2012 09:47 PM CDT2012-10-09 15:08:37 GMT

    The smell of natural gas caused eight Davenport schools to evacuate Monday morning, October 8, 2012. According to Dawn Saul, Communications/Media Relations for Davenport Community Schools, students fromMore >>The smell of natural gas caused eight Davenport schools to evacuate Monday morning, October 8, 2012. According to Dawn Saul, Communications/Media Relations for Davenport Community Schools, students fromMore >>
  • Sunset Marina In Dire Need Of Dredging; Rates Raised Again

    Sunset Marina In Dire Need Of Dredging; Rates Raised Again

    Sunset Marina In Dire Need Of Dredging; Rates Raised Again

    Monday, October 8 2012 11:55 PM EDT2012-10-09 03:55:31 GMT

    In dire need of dredging. Rock Island city leaders say a lack of maintenance at Sunset Marina is a threat to the future of the popular harbor. But in order to fix years of build up, boaters who use itMore >>Rock Island city leaders say a lack of maintenance at Sunset Marina is a threat to the future of the popular harbor. But in order to fix years of build up, boaters who use it will be paying more again.More >>

Moline aldermen have decided to hold off on plans to sell the Moline Train Depot. At the urging of the mayor, council voted to give the Moline Preservation Society 70-days to save the depot. The preservation society has to raise $155,000 to move the depot from its current location on River Drive to the new WIU Quad Cities Riverfront Campus. So far, the society has raised almost $30,000 and the fundraising effort is on fast track.

"We're talking to corporations, foundations, anybody we can think of." says Moline Preservation Society President Diann Moore, "We are even talking with railroad organizations, museums, and owners of railroad lines. We need to get this out to as many people as possible."

If the society does not raise enough money the city will sell the 112-year old depot to the Illinois Department of Transportation. The depot will then be demolished to make way for a new I-74 bridge. The society has until December 18th to raise the money.

Source: http://www.kwqc.com/story/19779348/update-saving-the-moline-train-depot

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Security official at US Embassy in Yemen killed - officials

By NBC News staff and wire reports

Updated at 9:35 a.m. ET: A masked gunman assassinated a Yemeni security official who worked for the U.S. Embassy in a drive-by shooting near his home in the capital Sanaa on Thursday, officials told The Associated Press.

Yemeni officials told the AP the killing bore the hallmarks of an attack by the al-Qaida offshoot in Yemen, but it was too early to determine whether the group was behind it.

The slain official was identified as Qassem Aqlani, a man in his fifties.

He was walking near his home in western Sanaa, when a gunman on a motorcycle opened fire at him and fled the scene.?The embassy is located in eastern Sanaa.

A senior official at the State Department told NBC News that they were aware an embassy worker had been shot but did not provide further details.?

"We are deeply saddened by this tragic incident involving a Yemeni employee of our Embassy in Sanaa, and we are working with Yemeni authorities," the official said.?

Worked for embassy for 20 years
Aqlani had been working for the U.S. Embassy for nearly 20 years, said the officials who spoke to the AP condition of anonymity because they were not authorized to speak to the media.

Most recently, he was in charge of investigating a Sept. 12 assault on the U.S. Embassy by angry Yemeni protesters over the anti-Islam film.?

Protesters stormed the embassy and set fire to a U.S. flag before government forces dispersed them with tear gas. That attack came one day after the killings of the Americans in Benghazi.

Anti-US protests over Islam film spread in Middle East

The assassination resembles other attacks recently that have targeted Yemeni intelligence, military and security officials.

Those attacks are believed to be in retaliation for a military offensive by Yemen's U.S.-backed government against Yemen-based Al-Qaida in the Arabian Peninsula (AQAP), which Washington considers the most dangerous offshoot of the global terror network.

AQAP has called for attacks on U.S. embassies in a bid to exploit the anti-American sentiment that has swept the Middle East and other parts of the Muslim world in the past month over an anti-Islam film produced in the United States.

Al-Qaida's revenge? Leading Yemen general killed by suicide bomber

Initially, the film was linked to an attack on the U.S. Consulate in the Libyan city of Benghazi on Sept. 11 which left four Americans dead including U.S. Ambassador to Libya Chris Stevens. U.S. officials said later the attack was not linked to the video.

AQAP praised the killing of U.S. diplomats in Libya, describing it as "the best example" for those attacking embassies to follow.

AQAP had taken advantage of a security and political vacuum created by last year Arab Spring-inspired uprising and seized territories and cities in the south. The government-led offensive has pushed the militants out to mountainous areas from where they have been staging suicide attacks and assassinations inside cities.

Two weeks ago, a top intelligence official, Col. Abdullah al-Ashwal, was also killed in a drive-by shooting in Sanaa.

The Associated Press contributed to this report.

More world stories from NBC News:

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Source: http://worldnews.nbcnews.com/_news/2012/10/11/14360901-ap-yemeni-security-official-at-us-embassy-in-sanaa-shot-dead-local-officials-say?lite

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PDCA - Public Displays of Cephalopod Affection


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Sometimes the easiest way to spark discussion about science is to bring it into everyday situations ? like by wearing it as jewellery.

Steampunk cephalopod by Noadi.

This week polymer clay sculptor Noadi a.k.a. Sheryl Westleigh aims to increase the conversation about cephalopods ? and it?s Cephalopod Awareness Days!

Cephalopod Awareness Days are organized around the number of limbs of these charming molluscs:

  • October 8 ? Octopus Day, for all the eight-armed species
  • October 9 ? Nautilus Night, a time for all the lesser-known extant cephalopods
  • October 10 ? Squid Day/Cuttlefish Day, or?Squittleday, covering the?tentacular species
  • October 11 ? Kraken Day, for all the fantastical cephalopods of myth, movies, literature and legend.?Cthulhu fthagn!
  • October 12 ? Fossil Day (to coincide with?National Fossil Day), for all the?incredible suckers that have gone extinct but left an impression with us.

-Source, Cephalopod Day Tumblr.

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Noadi is doing contests and giveaways on her blog for a couple of more days featuring her fun (and just a bit sinister) tentacles creations. I can?t see how any of these would fail to spark a conversation at the grocery, in the lab, at holiday dinners, or when waiting in line to cast a ballot.

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Deep Space Nautilus by Noadi

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While many of her creations have bright colours, I love how the greys and metallics look on the soft twisting forms.

A custom piece , part of a steampunk series.

The versatile Noadi has a deft hand at painting too.

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Fire bad! Frankencuttlefish helps you grab more Hallowe'en candy.

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Noadi Art

Noadi?s Blog

Facebook

@NoadiArt on Twitter

Etsy Shop (15% off all cuttlefish, octopus, nautilus and cephalopods for a couple of more days!)

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Glendon MellowAbout the Author: Glendon Mellow is a fine artist and illustrator inspired by evolutionary biology working in oil and digital media. You can see his portfolio at glendonmellow.com and work-in-progress at The Flying Trilobite blog. Follow him solo at @flyingtrilobite and with co-blogger Kalliopi Monoyios at @symbiartic. Follow on Twitter @symbiartic.

The views expressed are those of the author and are not necessarily those of Scientific American.

Source: http://rss.sciam.com/click.phdo?i=f0a6d8afc1aad14af6608e88c228f3d7

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Tuesday, October 9, 2012

Five Step Check List for Your Estate Plan | Financial Wellness @ Work

What did Heath Ledger and former Supreme Court Justice Warren Burger have in common?? Their career choices couldn?t have been more different but in their estate planning, they made similar mistakes ? ones that could have been easily avoided.? Heath Ledger made the mistake of not updating his will when his daughter was born and even though Warren Burger was a Supreme Court Justice, well versed in the law, he made the mistake of doing it himself and ended up leaving out some key provisions.? In both cases, the family paid the price.? If a Supreme Court Justice can make a mistake, anyone can.

Here is an estate planning to-do list that can give you a framework to look for what might be missing in your plan:

1)????? Start with what you have.? Make some lists:

* Your valuable physical property ? automobiles, furniture, jewelry, antiques, firearms, collectables, etc.

* Your investments ? your home, investment property, retirement accounts, bank and brokerage accounts.

* Benefits ? life insurance, employee benefits, Social Security information

* Debts ? what you owe and who you owe it to

2)????? What do you want to do with your property?

* Assign beneficiaries on your retirement accounts (double check they are correct!) and also possibly your brokerage and bank accounts as a ?transfer on death? or ?payable on death.?

*? Determine who you would like to leave your property, such as your heirloom jewelry, to and assign names to pieces ? take photos of the items and include them with your documents.

3)????? Consider what could go wrong.? This is often a missing step because truthfully, it isn?t pleasant to think about all the things that can go wrong. Before setting up your estate documents, take some time to? think about the financial situations and the personalities of your beneficiaries.? For example, do you have special considerations such as leaving a large amount of money to a beneficiary that would have a difficult time handling it?

One of our financial planners, Diane Winland, shared an example of some clients she?d worked with in handling their estate plan (in a former life before becoming a financial educator).? They loved their adult son dearly but were concerned about leaving him a large inheritance.? They set up their trust so their son would receive some funds monthly but also would receive an amount double what he earned on a 1099 or a W-2 at the end of the year ? incentivizing him to work to ensure the trust would provide some support throughout his life. ??He wasn?t happy about it and fought the trustee tooth and nail but the trust language prevailed.

4)????? Put your estate plan in place.? Setting up your plans puts some teeth into it. Whether you go with a will or a trust, setting up the document makes it official so a probate court for a will or if needed (hopefully not) a court of law can uphold it.? Because estate planning is so complex, it makes sense for most people to work with an estate planning attorney . ?Some resources on setting up a will if you want to do it yourself are Legacy Writer(TM)? and Nolo.? Check your employee benefits as many companies have a legal benefit or financial guidance either directly as an employee benefit, in a financial wellness program, or through your EAP.

5)????? Don?t forget other important documents. Some other documents to put in place to help you now ? not after you pass away ? are financial powers of attorney so if you are sick and can?t sign, someone can take care of your financial matters for you and medical powers of attorney so someone can talk to your doctor and make medical decisions if you aren?t able to.? The living will is a separate document that deals with end of life issues ? you?ll need that, also.? These documents need to be updated if you move to a different state. Click here for more information.

Estate planning requires some thought and a little attention to detail but once it?s set up, all it requires of you is to review it once a year or in the event you have a significant change such as the birth of a child. Otherwise, your family could be the one paying the price.

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Source: http://www.financialfinesse.com/blog/2012/10/five-step-check-list-for-your-estate-plan/

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