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Decorating the Christmas tree is an event that most members of any family look forward to. It not only is a time to reflect and remember where the various ornaments came from or who made them, it is also an exciting time that really brings Christmas right into the home.

There are a variety of activities you can incorporate into bring the Christmas tree into your home. Some families enjoy singing “Oh Christmas Tree” as the tree is brought into the home. Make a fun activity of this whereby everyone has to come up with an original verse to the song (since few know the actual words). This can keep everyone entertained while someone else works to get the tree standing up straight.

Once the tree is in a stand and ready to be decorated, make a game out of the ornaments. Put all the homemade ornaments aside and work with those first. Start with the first family member and ask them who made the ornament, where did it come from? Once the details are out of the way, ask the crafter (likely a child) if they remember making the ornament. If you’re the parent, tell the child what you thought when you first saw the ornament. This is fun, since it reminds children that the things they make and bring home are meaningful to the parents.

There is always one ornament that is just ugly, or plain silly. Play “hot potato” with that ornament. Whoever gets stuck with the ugly ornament has to say one nice thing about it, such as “well, there’s a lot of glitter on it and that’s pretty”, or “Dougie made it, so I like it”. It’s a silly way to remind children to find good in everything. It might even remind them that things are just things. This is a good lesson for this time of year.

Some people use an advent calendar to count down the days until Christmas, and this is how it’s traditionally done, but there is one fun activity sure to be a hit with children. Similar to the concept in Germany (where the advent calendar originated) this involves providing one small gift for children every day until Christmas. In Germany, it’s only done for several days before Christmas, but you can do it for the 24 days of the month until Christmas arrives.

Buy tiny handled gift bags at the craft store. Buy 1 for each of your children. Have the children decorate the bags, and on each of the 24 bags, have them place a number as well, 1 through 24. As you decorate the tree, find space for each of these little bags. Because they have handles, they can hang right on the tree like an ornament, or you can tie ribbon on the handles so they have a more graceful swing. Each night, fill the right bag with a tiny prize or gift. So if it’s the night of December 14, you’ll take bag #15 (all the bags with earlier numbers will be gone) and put some little trinket in it. It might be a piece of candy, a tiny ornament for your child’s own tree, a tiny car or small eraser. The idea here is that it’s a small gift, but come morning, that’s the first activity your children will engage in – discovering what little treat you left for them the night before.

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For a first time home buyer, the process can get quite overwhelming, giving you the feeling that the financial decisions are rapidly spinning out of control. When it comes to real estate, most people don’t have a lot of experience or know a lot about it. In all actuality, buying a home is actually a simple process. All you need to do is understand the basics, which will go a long way in helping you buy your very first home.

The first thing you should know is to avoid pre payment penalties at all costs. What this means, is that if you buy the home then later want to sell it before the balance of your mortgage is due, you’ll have to pay a penalty. You can find a variety of great loans that don’t include these types of penalties. If you find a loan that does include pre payment penalties, you should immediately turn it down and look for another loan.

You should also be on the lookout for good ARM’s. If you have a good ARM, then your interest rate and monthly payment will adjust at the exact same time. This will make sure that your interest doesn’t affect your monthly payment. If your interest rate does affect your payment, then you will notice the unpaid interest reflecting the overall amount of your loan balance.

You’ll also want to get pre approved for your house as well. This lets the seller know that you are serious about buying, and will normally work in your favor to give an edge – which is especially handy if there are several others interested in purchasing the home. Getting pre approved will also save you a lot of time as well. If you can’t get approved for a loan, you shouldn’t waste your time inspecting it, trying to get a good interest rate, or negotiating with the seller for your ideal price.

Before you purchase a home, you should always be aware of how much you can afford. Before you attempt to purchase a home, you should always go over your budget and figure out how much money you can spend on a mortgage payment. If you manage your money smart and know your finances, this shouldn’t take you hardly any time at all. On the other hand, if you don’t know your finances, this will take you a long time indeed.

If you’ve already purchase your first home, you should always avoid taking any type of home equity loan. These loans can be very tempting when you get in an emergency and need cash, although most home equity loans add up to more than the value of your home. You should never, under any circumstances take a home equity loan, as there are many other ways that you can clear up your personal problems without having to jeopardize your home.

Keep in mind that the above are just a few basic tips and that there are many other things you’ll need to know before you buy your very first house. You’ll need to be familiar with private mortgage insurance, special loan programs, fixed rate and adjustable rate mortgage, and several other things. Buying a home is an easy process, once you know a bit about it. If you familiarize yourself with buying a home and learn all that you can about what is involved, you’ll find the home buying process to be easier than you ever thought possible.

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If you’re getting everyone together for Christmas dinner, you want to provide some fun activities and games in addition to just the meal. Here are some good ideas to keep the crowd in the Christmas mood and keep them busy and diverted until the meal is ready.

Guess the dinner – Have all the people who are not working in the kitchen do a smell test and try to figure out what’s on the menu for dinner. Sure, turkey or ham or roast beef might be an obvious choice and an easy one if they are traditional in your family, but what’s the potato smell? Is it a hashed brown casserole, or baked potatoes? Are they mashed with sour cream or garlic? Are there brussel sprouts for dinner or squash, or both. The winner, or the person who most closely guesses the items on the menu, gets a taste test.

Board game fun – Bring out the most kid-like board game you have. This might be one that was just opened that morning or something you already have. Get the men in the house (not the boys, but grown men) to sit down on the floor and play the game. A great picture can be had when the fathers and grandfathers are on the living room rug playing Candyland or Chutes and Ladders. Better yet, bring out a princess game and enjoy watching the men get dressed up like princesses as the game goes on. As a secondary activity, pit the kids and dads against each other in a game of monopoly or cards. The kids can play with their dads on a team or the dads can play against the kids. Either way, it’s sure to be fun.

Tablecloth – If the children are getting restless waiting for the meal, have them decorate the tablecloth. This isn’t the time, then, to put great Aunt Martha’s tablecloth on the table, but something inexpensive and yet not disposable. You can keep the tablecloth from year to year and enjoy watching the progression of the children’s art through the tablecloth. Be sure to have them use permanent markers and have them date and sign it, if they are old enough. If they’re not, date and sign it for them. You’ll want that bit of information later.

Outdoor fun – Have a fun game of “toss the hat”. Fill Santa’s hat with some candy or other small items and try to toss the hat around without the items falling out. You can have a relay with Santa’s hat where everyone wears Santa’s hat, then hands it to the next person, who has to put it on and then take if off and then hand it to the next person. How about a rousing game of football, where the goal line is made of discarded Christmas ribbon? Or a game of soccer where the soccer ball is a rolled up ball of discarded Christmas paper.

Worst presents – Who has the best story about the worst present they ever got? Before dessert have everyone share their best of the worst stories. Be sure that you don’t tell the story in front of the person who gave you the worst present! What was the most interesting present you ever got? Or the best handmade present? What was the best present that came this Christmas? Dessert isn’t handed out until everyone shares a story, good or bad.

Where’s Santa? – While eating dinner, have a fun activity going on that’s sure to delight the children. Using a Santa hat, play a game of “where’s Santa”? Surely he’s back at the North Pole by now, right? Have someone start with the Santa hat and under the table, that person passes it to someone else. Everyone tries to decide where the hat is. Whoever has the hat (they can keep it in their lap while they eat) winks at someone else when they catch their eye. If someone gets winked at, they say, “Santa’s lost!” and this continues, with the passing of the hat and the winking, until someone figures out where Santa is.

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There are a lot of great advantages to Christmas shopping year round. Some of these advantages include avoiding the stress of last minute shopping, not having to worry about accumulating exorbitant credit card bills during the Christmas season and being able to enjoy the Christmas spirit all year. This article will take a look at some of these advantages in an effort to explain the benefits of Christmas shopping year round.

One of the biggest benefits of Christmas shopping year round is not having to do the bulk of your Christmas shopping at the last minute. It also may means not having to do much Christmas shopping in the typically hectic time after Thanksgiving and before Christmas Eve when malls and shopping centers are usually crowded beyond belief and most people have a ton of other obligations to take care of during this time. Although there are some people who enjoy shopping during this hectic and chaotic time, most people find it stressful and only do it because they have procrastinated and still have some Christmas shopping to get done before Christmas Eve. However, making a conscious effort to Christmas shop all year round helps to eliminate a great deal of the stress which is typically associated with last minute Christmas shopping. It also helps you to purchase more meaningful gifts for everyone on your Christmas list because you are not rushing around to purchase the Christmas gifts at the last minute. You may find a gift you think is absolute perfect for your sister in the month of April. All you have to do is purchase the gift when you find it and save it for the Christmas season.

People who do their Christmas shopping year round are not only less stressed around the holiday season but they also have more free time to participate in other activities. Those who like to bake may skip baking if they feel like they still have too much Christmas shopping to do while those who did their shopping ahead of time can take some time to relax and bake wonderful cookies to enjoy during the Christmas season.

Another downside of last minute Christmas shopping is the amount of bills which accumulate. For those who rushed to get their Christmas shopping done in the month of Dec. the New Year can bring in a new set of financial problems as repaying the debts accrued while Christmas shopping can be quite daunting. However, those who wisely did their Christmas shopping throughout the year do not have this problem. If they budget a certain amount of their monthly income for the purpose of Christmas shopping they may not have even noticed the financial strains typically associated with last minute Christmas shopping. Although last minute shoppers may save up to do their Christmas shopping all at once by putting their money into a special savings account, it can be difficult to stick to a budget when you are shopping at the last minute. This is because there they may wind up spending more than anticipated on each person on their list because they cannot find anything else to buy which seems appropriate. When this happens and there is a shortage of time, it is common to just purchase the more expensive item rather than keep looking.

Finally, Christmas shopping year round is a great idea because it helps people to stay in the Christmas spirit throughout the year. While many of us get caught up in the spirit of giving during the holidays, those who are always Christmas shopping may enjoy these feelings of generosity throughout the year. Giving is a wonderful experience and although you may not actually be giving the gifts until Christmas you are purchasing them at other times during the year and this can be very fulfilling. Sometimes simply finding a great gift for a loved one can put you in a great mood and make you feel as though you have really accomplished something wonderful.

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A majority of us have dreamt of owning an overseas home at home point in time. Owning a home overseas represents a different way of life, in a sun drenched tropical location that is teaming with activities and plenty of things to see. For many of us, owning real estate overseas is a dream that we all look forward to at some point in our lives.

If you have been considering buying a home in a foreign land, there are some things you should be aware of. Anytime you decide to buy a home in a far away land, there are traps and pitfalls that you need to be aware of. If you are aware of these pitfalls, you’ll go a long way in securing your home – safely and securely.

If you want to buy overseas real estate for the value, you should always keep in mind that real estate fluctuates – some months the value may go up, while other times it may go down. Not all countries have the same real estate economy, which makes it in your best interest to look into the economy before you buy a home. This way, if you are buying for the value, you’ll know whether or not your purchase will be profitable.

Legal systems are also something you should be aware of as well. Different countries do things differently, which is why you will need to look into the different legal systems before you decide on a property. The last thing you want is to purchase a home and find yourself totally unaware of how the proceedings go in the area you have chosen.

If you are buying your home to make some extra money, such as using it for a vacation or holiday home, you should always pay attention to the accessibility factor. If you plan to visit the home yourself for vacations, you’ll want to make sure that your property is easy to reach. If your property is hard to reach by automobile or plan, it will decrease in value and popularity over time. On the other hand, if your property is easy to access, it will be great for you and anyone else you decide to rent the property out to.

If you want the process to go as smooth as possible, you can always enlist the services of a real estate agent. Even though you may be buying an overseas home, a real estate agent will know the area and he can answer any questions you may have. Chances are that you aren’t familiar with most overseas areas, which makes a qualified real estate agent a very worthy investment. Your agent can also make recommendations based on what you are looking for – and show you the homes that you wouldn’t be able to locate without his services.

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Did you read the title of this article correctly? You might want to go back and double check to make sure you understand what this article is going to be about. The most significant word in this title is the word with. Had we used the word for in the title instead this would be a completely different article but the use of the word with indicates this article will be about shopping while your children accompany you to the stores which is a totally different subject. An article on shopping for children would cover subjects such as buying age appropriate toys and choosing toys which will meet the parent’s approval. This article, however, will focus on how to have a successful shopping trip with children in tow.

While it is certainly true that shopping with kids can be difficult at times, it is also possible to have an effective, efficient and fun shopping expedition with children. It does take a little advanced planning and cooperation on the children’s’ behalf but it can be done. This article will cover a few of the basic tips for having a successful Christmas shopping trip with kids. Some of these tips include ensuring the children are well rested, taking frequent breaks, incorporating activities appropriate for children into the adventure and being prepared for any situation.

Depending on the age of the children, it might be critical to ensure the children are well rested at the start of the shopping trip and that the trip does not last so long that the child will be tired out before the end of the trip. This is very important especially in the case of young children who still take daily naps. If you plan on Christmas shopping with a child who still takes daily naps, it might be worthwhile to plan your shopping trip after the child’s nap. This will ensure the child has had sufficient rest and will not run out of energy or become cranky during the shopping trip as a result of exhaustion. It might be possible to plan a shopping trip for the time before a child’s nap if the child takes an afternoon late in the day but in this case care should be taken to end the Christmas shopping trip well before the regularly schedule nap time.

It is also important to take frequent breaks when Christmas shopping with a child. This is important because children categorically have short attention spans and are not likely to be able to be able to shop for hours on end without short diversions. A few examples of breaks which may be appropriate may include stopping for a small snack, taking a lunch break or visiting a play area in the mall or shopping center. Each of these breaks will give the child an opportunity to enjoy a break from the monotony of shopping and will also help to distract the child if they become frustrated with the shopping.

Christmas shopping with children can also be made easier by incorporating activities appropriate for children into the schedule of the shopping trip. This may include visiting stores which may be of interest to the child. For example a trip to a toy store or a store which offers the opportunity to test out gadgets might be interesting for a child. It might even be worthwhile to promise the child a small toy as a reward for cooperating during the trip. This would be most effective if you schedule this trip for late in the shopping trip. This will help to ensure the child behaves for the majority of the trip. It will also help to make the remainder of the trip easier because the child will be interested in his new toy and too distracted to complain about visiting more stores.

Finally, it is important to be prepared for a variety of situations when Christmas shopping with kids. If your children are not yet potty trained, be sure to bring a supply of diapers and a change of clothes. Bringing along small toys and snacks is also helpful. The toys can be used to distract the child while standing in lines. Snacks will be helpful if the child complains of hunger or as a distraction if the child starts to become bored with the shopping trip.

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The day after Thanksgiving is commonly referred to as “Black Friday”. This day is traditionally one of the busiest shopping days of the years and for many signifies the first day of Christmas shopping. While the term black Friday was originally used to represent the day in which retailers returned to profitability many who work in the retail industry use this term as a way to describe the crowds and chaos which accompany Christmas shopping on the day after Thanksgiving. Likewise consumers expect significant sales to go along with the large crowds which flock to stores.

For many shopping on the day after Thanksgiving is a tradition which wouldn’t be missed for the world. These individuals look forward to the sales and starting their shopping as a way to get into the Christmas spirit. These individuals can be counted on to arrive before the malls and shopping centers even open to get a great parking spot, to make multiple trips to their cars to drop off packages before returning to the shopping area to make more purchases and to almost literally shop until they drop. These are the individuals retailers count on each year to boost their quarterly earnings and to help them report profitability for the year.

Those who enjoy Christmas shopping on the day after Thanksgiving feel this way for a number of different reasons. Some enjoy shopping on this day for the tremendous sales which are inevitable. Still others enjoy shopping on this day because they like to take things one season as a time and figure now that Thanksgiving is over; it is time to start focusing on Christmas. There are even others who like shopping on this day for the excellent people watching opportunity the day presents. Whether or not they get any actual shopping done these individuals flock to shopping malls on the day after Thanksgiving because they know there will be tons of other shoppers to observe. Finally there are those who start their Christmas shopping on the day after Thanksgiving because of a sense of tradition. It is these individuals who have simply always started their Christmas shopping on this day out of habit. Their parents probably started Christmas shopping the day after Thanksgiving and they simply learned this is the day to start Christmas shopping. They will also likely pass on the habit to their own children.

Conversely there are other shoppers who absolutely refuse to step foot inside a mall or shopping center on the day after Thanksgiving. For these shoppers trying to get any shopping done on this day is near impossible. They are willing to sacrifice the opportunity to buy some items as gifts at excellent sale prices just to avoid the throng of shoppers who swarm the stores on this one particular day. However, it is important to not that just because these shoppers avoid shopping areas on the day after Thanksgiving does not mean they don’t enjoy great sale prices on the Christmas gifts they purchase. These shoppers may take advantage of sales throughout the year to accomplish their Christmas shopping within their set budget.

There are still others who typically do not do any shopping on the day after Thanksgiving but these individuals do not necessarily avoid the malls and shopping areas on this day either. There are many people who enjoy taking a trip to the local mall or shopping center on the day after Thanksgiving just to enjoy the hustle and bustle the day presents. For these people just walking around and experiencing the excitement around them helps to put them into the holiday spirit.

Whether you are an early Christmas shopper, a last minute Christmas shopper or just a people watcher, you likely understand it is appropriate to expect large crowds in malls and shopping centers on the day after Thanksgiving. It is up to you to decide whether or not you choose to join the shoppers on this hectic day.

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