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In these days of modern technology, parents are enjoined to be vigilant in exposing their children to television. Watching Toddlers TV may have positive effects but allowing your kids to watch indiscriminately may be detrimental. But if we choose the right programs for our child, those educational ones can teach manners like Baby toys, letters, words, numbers, colors, communication skills and so much more. The most important thing that any parent can do for their children is to instill a love of learning from the baby university. The best way to do that is find ways to learn while playing, reading and even during daily chores like grocery shopping and putting toys in their place. There’s no reason, however, that we can’t also use our modern technologies as learning tools as well. toddlers TV can still be used every day to learn about the world with news shows. To completely avoid learning opportunities for toddlers just because they happen to be on television would be a disgrace. Let’s teach them to use all the learning tools to their advantage as well.

When compiling a list of the top 5 greatest tennis players, the field gets quickly crowded. It is an especially complicated task because with tennis, unlike many other professional sports, the field is not dominated by one sex or the other, really. Among both the men and the women, there are players with very unique and predominant strengths that make them easy candidates for the list.

And then there is the same consideration that you need to give when compiling any sports top 5 list – the fact that because the players are so unique, and offer such differing talents that do not always compare straightforward in a tidy apples to apples fashion, any list is open to some element of dispute, or at least argument.

And so, humbly, this list of the world’s top tennis players is offered – mixing up the sexes, not claiming to be the be-all and end-all on the subject, but claiming to at least have taken some cross-section of the most recognized and recognizable in the sport of tennis, and paying some homage to some great talents, while recognizing the fact that there could so easily be so many more who might be equally, or very nearly equally, qualified.

5 To Consider for Tennis’s Top Spots

Bjorn Borg – Some names you do not need to be a big fan of the sport to recognize. In tennis, Bjorn Borg is one of those names. Whether you follow the sport or not you have quite likely heard of Bjorn Borg, and that is in many ways telling in and of itself. He has accomplished feats and wins that today’s players struggle to touch, let alone rival, including multiple titles in both the French Open and Wimbledon.
Stefi Graf – Stefi Graf burst onto the tennis scene at a very young age, and as a result she entered a somewhat early retirement from the sport, too. Semi-retired by 27, and retired from the sport altogether by the tender age of 29, Stefi accomplished quite a lot in a fairly short amount of time. Her multiple ’slam’ wins herald her success in the sport, a success that some argue would have been even greater if the trappings of youth had not caused her some early losses that were just as likely as not brought on by a combination of youth and inexperience.
Serena Williams – Serena Williams is another, quite like Bjorn Borg, whose name tells tales of fame and tennis success. As much might also be said for her sister, Venus, although these days it seems to be Serena who dominates the duo and remains a buzz in the ears of tennis fans.
Andre Agassi – Andre Agassi was a top winner in his career, winning all four of the majors at least once in his 23-year tennis career. Of course, he was a winner off the courts, too, marrying the above-mentioned Stefi Graf.
Who gets the top, top spot? Oh there are so many. Actually, it is a bit unfair to even attempt such a short and distinguished list as this, and so we really won’t. Let’s suffice to say that without much argument at all, for this or any of these top spots you might also consider names like Chris Evert and Martina Navritilova, Roger Federer, Rod Laver, John McEnroe, Monica Seles, Anna Kournikova, Pete Sampras, and so many more. Nevertheless, we think this is a good start, feel free to offer up your own name or supporting opinion!

M. Ward writes specifically on how and where to find the best programs for a master of sports management degree.

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can be exciting but there is a lot to know. Buying a home will depend on real estate laws and customs where you are located but there are basic steps that every first homebuyer needs to accomplish.

Step 1- Your Finances

Establishing credit is very important especially when you are looking to purchase a large investment like a house. Your credit reports reflects how you manage your finances. Study your credit report and your financial history so you are familiar with it before applying for a mortgage. These reports will be needed for the mortgage approval process in finding out the interest rate and other loan terms.

Step 2- Familiarize Yourself with the Mortgage Industry

Do your research. Finding the right loan and lender is extremely important to your home buying success.
Choose the lender that is best for your needs but be sure to understand the loan process as much as you can before talking to a lender so you don’t feel completely lost.

Step 3- get Pre-Approved for a Mortgage

Once you talk with a lender, you should be given an estimate of how much you can afford for a house.
Being pre approved can help you in a variety of ways. So if a home seller gets two offers, one being yours with a pre approved letter from your bank saying you have been approved for the amount offered, and then there is the other person with no letter, your chances of getting the house are much better.

Step 4- Determine what you Want and what you need

Buying a home isn’t as challenging as most think. If you familiarize yourself with the real estate market and narrow down what you want and need before buying house the process will run a lot smoother.
Be sure to understand agent duties and devotion because some real estate agents represent buyers, sellers, or both or depending on the state they can work as neutral facilitators for either party.

Step 6- Start Searching for your New Home

Your agent will most likely give you multiple listing sheets to review. You might have also picked up a real estate magazine in your area and found a house through that, shop online, or find ads in the newspaper. Other ideas can be driving around the neighborhoods that have houses for sale. Either way you look, consider these home buying search tools in your search.

Home Buying Search Tools

1. Consider houses that others may overlook
2. Get out there to see what’s out there
3. Look into public versions of multiple listing service web sites
4. Search for real estate agent web sites
5. Browse real estate search engines and networks
6. Find for sale by owner properties
7. Look at magazine and newspapers in print
8. Find foreclosed homes

Step 7- Handle Pre-Offer Tasks

When looking at houses be sure to look at its structure and features which can help determine if its something you want or not.

Step 8- put in an Offer

There’s no one specific set of instructions that cover all the differences in real estate laws and customs that exist throughout the United States, so when putting in an offer on a house, it will depend on your location.

Step 9- House Inspections and Other Tests

Some states allow home inspections before the final contract is signed where as in other states inspections take place after the contract is signed. No matter when you have to do them, it’s very important to decide which inspections and tests you want done.
Discuss with your real estate agent or if you don’t have one, then an advisor to find out when inspections should happen and if additional types of testing are needed for a specific area.

Step 10- Avoid having to Correct Last Minute Problems

As the closing date approaches, everyone involved in your real estate transaction should be checking the progress on a daily basis. That way if a problem arises it can be taken care of right away.
Step 11- Closing
Closing, also called settlement, is the event that transfers ownership of the property from the last owner to you.

Happy house hunting!

It’s amazing how we fool ourselves… while at the same time believing we are doing what’s best.

Let me give you an example. I overheard a guy telling a group of friends, over drinks, how he had become fed-up with work. Guys being guys, they immediately started to come up with options to fix the problem – ideas like changing company and changing jobs. That was when the guy got all logical…

‘Yeah, but I need to pay the mortgage and my kid’s education and we’ve got a holiday planned for the Bahamas and…’

I interrupted. ‘How much do you need?’

‘A hundred grand a year,’ he replied.

‘What’s more important,’ I asked, ‘your happiness or the money?’

Of course he said happiness. Then he got all logical again. ‘But I can’t be happy unless I can pay the mortgage and give my kids the best and have great holidays.’

‘How many hours do you work?’

‘Around fifty.’

‘And how do you feel when you get home?’

‘Tired.’

‘What would your kids prefer, a father who is worn out for forty eight weeks of the year but has four weeks to entertain them per year or a dad who is a real Dad all year round?’

The conversation went on, me questioning, him justifying what he perceived as logic.

Yet it’s not logic, is it? It’s not logic to deny your heart’s desire to change life when it’s hurting you. The mortgage, the kid’s education, the holidays are just stuff. And, like most people find after a heart attack or a divorce or an accident, is that this ‘stuff’ is not that important. What’s important is something else…

Life!

The problem is we got “Conditioned Logic” – “logic” transferred to us by society: friends, family, schools, college, the media, religion etc. We took it all on and felt we had to behave in a “conditioned” way. The repetition of that conditioning is fine for a while, but when we end up doing something we don’t love, each time we do it takes a little of the soul away. Let me put it another way.

What gives you the power to succeed is what you perceive to be logic. Real power is not necessarily doing what society dictates. Real power is often something else. It is that knowing that comes from nowhere to tell you, you must do something different.

It might seem logical to have the house, the car, the private education, the holiday, but is it powerful. What is powerful is, to say I am not happy and things must change; I’m not killing myself for forty-eight weeks just for four weeks of pleasure; I’m not excited by my work and I’m willing to live in a smaller home if it means I can have more peace, less stress and fall back in love with my partner.

It’s not all about the stuff, is it? It’s about happiness and love; happiness and love of your partner; happiness and love of your children and family; happiness and love of your work. If you have that then you have it all.

Now that’s the power to succeed!

Does your current way of living support that?

Two heads are better than one, so sit down with your spouse and plan out your financial future together.
Prioritize your bills.

By determining which bills to pay in which order, you’ll get in the habit of making sure your essentials are always paid first.

Be careful using credit. Sometimes a financial crisis will come not because of a layoff, but because you’re overextended. Most people can afford to devote 10 percent of their net income (after taxes) to installment debt, not including mortgage or rent payments. If you pay out more than 15 percent, you need to cut back.

Establish an emergency fund. Open a savings account and start “paying yourself” 10 percent of each paycheck.

What happens if we run into an emergency and our emergency fund isn’t enough?

Don’t panic. When facing a financial crisis, stay calm. This will help you think logically and you’ll avoid unnecessary arguments with your spouse.

Quit spending money. When faced with a financial challenge, it’s easy to use your credit cards. But you may run up your balance to the credit limit and not be able to afford the payments, which will result in a poor credit rating—something you won’t want during a crisis time.

Prioritize your bills. Pay essential, or survival, bills first: food, mortgage or rent, utilities. Next, pay car insurance, medical needs, child support, and any loans such as automobiles and furniture that are secured as collateral.

Then pay the nonessential bills—those debts in which no immediate consequences occur if paid late: credit and charge cards, attorney, medical, and accounting bills, newspaper and magazine subscriptions, life insurance, childcare, gyms, or clothing.

Communicate with your creditors. If you can’t pay your bills or can only pay a partial amount, your creditors may be able to help you to establish a repayment plan.

Some lenders will allow you to defer one payment a year, meaning the payment for that particular month doesn’t have to be made. The deferred payment is added to the end of the contract.

Take notes of any conversations with creditors, listing the date and person with whom you spoke. Whatever arrangement you make, get it in writing from the creditor before you send in money.

Know your rights. Many collection agencies are in violation of the Fair Debt Collection Practices Act. To get a copy of this legislation, visit www.ftc.gov. If you feel you’ve been violated, file a complaint with the Federal Trade Commission at their website.

Find outside help. Many churches and Para church organizations run programs to help you navigate through financial troubles.

A debt management company may also be able to help you reduce your payments, lower your interest rates, and pay off your debt faster than trying to do it yourself.

Such companies can also negotiate with your creditors to bring your accounts current if they’re past due.
Avoid bankruptcy. Bankruptcies should be your last resort. A bankruptcy can remain on your credit report for up to 10 years.