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maudlin lucile: Choosing To Retire To A Tucson Arizona ... - Home ...

Selecting Tucson

If you have recently retired or taken a pension lump sum, deciding on an Arizona retirement community is easy. Arizona is pretty terrain with mountains, desert, and cityscapes to please anyone?s taste. Tucson is about 100 miles north of the Mexican border to the United States; it is just about encased by mountains and has warm mild winters. Many trees and cacti grow well in the Tucson Arizona area; the mountains give many hiking possibilities. There additionally are many cultural attractions including museums, theaters, and fine dining areas. Tucson also has a wide range of medical facilities and specialists in nearly every field.

Apartment Living

Some Arizona retirement communities are apartments. These apartments are especially designed with active people in mind. The clubhouses will probably have planned social events and hobby meet-ups. Most Arizona retirement communities are near golf, tennis, and other sporting locations so their residents can pursue their preferred sports. The residences are likely to have massive fully kitted out kitchens, spacious terraces and balconies, and vast floor plans. Many apartment communities for Arizona retirees have both one and two bedroom plans, average costs are between 1500 and 3000 dollars each month. Most Arizona retirement communities which are apartments will have parking for big automobiles such as recreational automobiles, boats, and camping trailers. Apartments are the best living situation for folk who have no need for a lot of room or that travel often and just need a place to call home for some time.

Living In A Retirement Housing Development

Some housing developments in Tucson are Arizona retirement communities. These communities will generally have a number of housing with a few central facilities like community centres, pools, golfing courses, and tennis courts for the residents to enjoy. The housing change in price and size but approximately start around 250,000 dollars. Living in a home rather than a loft is excellent for folks who are interested in living in Arizona all year. Furthermore selecting to get a home in an Arizona retirement community gives the owner freedom to enjoy hobbies like gardening, woodworking, or other garage and lawn friendly art forms which are easier to pursue in a home than a residence. Choosing to live in an Arizona retirement community is a good choice for people who like a lot of sun with out the risk of devastating typhoons, volcanic eruptions or tremors. A place with hot summer temperatures and mild short winters is ideal for most retirees to enjoy their silver and golden years.

This article is courtesy of adviser hub. We stress that prior to taking any early pension release or pension lump sum you need to undertake a full pension plan review with a professional pension adviser who can explain the potential effect on your revenue in retirement.

Tags: pension lump sum, Pension plan, pension release

This entry was posted on Wednesday, December 12th, 2012 at 6:35 am and is filed under Uncategorized. You can follow any responses to this entry through the RSS 2.0 feed. Responses are currently closed, but you can trackback from your own site.

Source: http://homeandfamily.emilie.org/uncategorized/choosing-to-retire-to-a-tucson-arizona-retirement-community/

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The Six Essential Leadership Attributes | Self improvement tips

Leadership is the foundation for all organizations, whether corporate, nonprofit or government. Leadership is a high calling and responsibility, upon which all else the organization is or does rests. Moreover, leadership is always top down, never bottom up.

Therefore, much has been written on the subject of leadership and many writers and speakers have tried to list those attributes they believe are essential for leaders. However, most often these attempts focus upon traits that make a leader personable, affable and popular. The following six attributes are results of character and personal integrity and as such are deeply seated within those who possess them. They must be developed through self-discipline, time and pressure; they are not inherited; and cannot not feigned, at least not for long. Such attributes are the result of instruction, commitment and a deep concern for what is right, as well as for the best interests of others. They are modeled on a daily basis. Tested and proven in times of trial and adversity. Moreover, they are as precious as gold and equally rare.

Attribute #1 of Leaders ? Set High Standards

Leaders set high standards for themselves and those who follow. I am reminded of leaders like Booker T. Washington, who began with a vision, not of what was, but of what could and should be. Born a slave shortly before the outbreak of the civil war, he taught himself to read. As an adult, he saw the need to establish a college for ex-slaves, who were excluded from the existing higher education system. When he first arrived at Tuskegee, AL, where he had expected initial funding and a building suitable to his purpose in founding the Tuskegee Institute, he found only ruins. At this point, most of us would have given up or decided it was not the right place or time, retreating to wait for a better turn of circumstances. Instead Booker T. Washington began by teaching his students to garden, so that they might eat and sell the excess to raise the funds necessary to buy books. Then he taught them to make bricks from which to build the buildings and for sale to raise cash for the other materials needed. Booker T. Washington knew that nothing of true value resulted from any course of action other than by hard work. Indeed, this was his motto and a foundation upon which his students began their education. He set high standards for himself and his students and he expected results.

Attribute #2 of Leaders ? Live Your Standards and Mentor Those Who Follow

Leaders live up to the standards they have set and mentor those who are attempting to follow them. Many leaders are consistent in demanding of themselves compliance with the standards that they espouse. Those who do not are only fooling themselves. Nothing disqualifies a would-be leader faster than a double standard, one for them and another for those under their authority. Anyone who thinks that they can maintain such a charade is sorely mistaken. Their subordinates will soon see through their duplicity and loyalty will rapidly be replaced by disgust and only grudging obedience and lip service.

Where most leaders fail however, is in mentoring those who follow. For some reason leaders expect that their followers will learn through osmosis, how to attain to the standards set by their leadership. Certainly, modeling by the leaders is a necessary component of the process, but much more is needed. You do not train a child from infancy on through adolescence by modeling proper behavior alone. It takes consistent, concerted effort verbally communicating not only what is expected, but how. Yet for some reason, most leaders think that merely establishing the standards is all that is necessary. Effective leaders invest themselves into their followers. The best example from all of history is Jesus. He spent three years teaching, mentoring, and living out his standards intimately before a dozen followers, who later set the Roman world on fire. In that short three year period, Jesus? disciples came to see, accept and claim His vision as their own and the remainder of their lives clearly reflected His profound impact upon them. He became to them the embodiment of the standards He espoused.

Attribute #3 of Leaders ? Create and Share a Vision

Every successful leader must instill the vision of where the organization is going and what is necessary to attain that goal. Without a vision, there is no unity. I am constantly amazed at the number of organizations that continue year after year in a near total absence of vision and therefore unity. In the corporate world, research and development departments create products and services for which there is no market, manufacturing continues to produce items with which customers are dissatisfied, find difficult to assemble and use. Engineering creates designs that are costly and inefficient to manufacture and customer service forces customers to endure a labyrinth of voice mail selections and web site menus that frustrate and confuse customers seeking a ?real? person with whom to speak.

Even in organizations that tout themselves as ?visionary?, all too often this vision extends to only some aspects and functions of the organization. Rarely does it permeate its essence and fully to its core. A splintered vision or one that is implemented in a fragmented manner will always result in competing interests and elements within the organization, vying for resources, each thinking their particular function and sphere of effort is most important. Winston Churchill had an enormous task in the war years following the demise of the Chamberlin government. How to unify and develop Britain?s terrified populace and rapidly dwindling industrial base into a single cohesive force with the will to defeat Nazi Germany, despite the seemingly impossible odds and specter of impending invasion. What did Churchill say at such a critical hour in Britain?s history? ?I can offer you only blood, sweat, toil and tears?, was his call to the nation. He certainly did not sugar coat his message. Britain responded with everything its people had, hanging on through seemingly ceaseless bombings, rocket attacks and finally the Battle of Britain. His words of encouragement, simply: ?Never, never, never give up.? He possessed a singular vision in those dark days of World War II, before the United States entered the war against Nazi Germany and he communicated it ceaselessly to a nation that hung on by a

thread.

Effective leaders are driven by a singular vision, not of what is, but of what is to become and they make sure that everyone around them understands and buys into that vision.

Attribute #4 of Leaders ? Make the Hard Choices When Necessary

Effective leaders are characterized by a willingness to make the hard decisions when necessary. Gene Krantz, the Apollo 13 Houston Flight Director provides an excellent example. Half way to the moon on a ?routine? space mission, an on-board explosion rips the outer shell of the spacecraft, damaging critical life support and propulsion systems. The best solution is also the one that appears most impossible. Continue the mission to the moon and use its orbit as a slingshot to return the three astronauts to earth. The only problem is that they lack the necessary life support and power for a trip that long. Krantz?s answer; declare first that no astronauts will be lost on his watch. ?Failure is not an option?, no matter how impossible the present dilemma appears. Then make the irreversible commitment to the best course of action. The explorer Cortez burned the boats, thus making retreat impossible. Yet it is human nature that at times of extreme crises, the majority wants to keep their options open. True leaders, however, recognize that for the organization to reach the desired goal there must be total concentration on the chosen solution and everyone must know that going back is not an option.

Attribute #5 of Leaders ? Be Visible and Out Front

Leaders, to be respected, must be visible. That is visibly out front. The unseen leader is the leader not followed. Visibility is critical and fortunately in our age of global telecommunications, this is easily done. However, being visible and being ?out front? are not necessarily one in the same. Marriott Hotels is interesting in their practice of very conspicuously placing a painting of the Marriott?s, father and son, in the lobby of each hotel. Why did they do that? Vanity? No. Identity. To both their clientele and staff, this father and son team was present and leading the way, not just from their presence in their painting, although it was certainly a constant and graphic reminder that someone was actually at the helm. Everyone in the Marriott organizations knows someone is ultimately responsible and furthermore, they know who that someone is. Everyone knows where the buck stops, as Harry Truman would say. In today?s far flung organizations spanning contents, in your organization, whatever its size, do people really know where the buck stops? Do they, customers and staff alike, have a clear and constant sense that someone, a real person, not voicemail, is really in charge? And more than in charge, do see you as their leadership, being out in front, or merely locked away in some ivory tower corporate office, out of sight and out of mind.

General George Patton is a classic example of out front leadership. Old blood and guts George. His men loved him and his men hated him, often at the same time. Patton had a reputation for incurring the heaviest casualties in the opening hours of every conflict in which he engaged, and his troops knew it. They also knew that he had the lowest casualty rates per engagement, because he was unafraid to commit his resources unsparingly and without regard to the lives that would be lost in so doing. He knew that to save the most men from death, he must be willing to endanger the most and yes, send some to their deaths, in some cases, many. His troops also knew one other thing about their leader. That when he sent them into combat, no matter how savage, he, General George Patton, would go with them. Leading from out-front. A habit for which, he was repeatedly subjected to criticism from his superiors. Contrast this with General William Westmoreland in Vietnam. Clearly there were many reasons for the morale problems suffered by U.S. troops during the Vietnam War and no one cause can be singled out as overriding, but the fact that as his infantrymen lay in the muddy rice patties, watching their buddies dying for a cause they did not understand, they also knew that their commanding general was dining daily in Saigon, on gourmet food served on fine china and linen table cloths, served by G.I. attendants wearing starched white waistcoats and white gloves. Patton?s response to his superiors when criticized for his exploits at the frontlines of battle was characteristically that, ?he knew no way to lead from behind?.

Attribute #6 of Leaders ? Instill Hope in Those Who Follow

The final attribute of successful leaders is their ability to instill hope. None of us can continue to grow, develop and perform at our highest potential without hope. Hope for success, hope for recognition and reward and most importantly, hope that indeed we can make a difference in the long-term outcome. Hope supplies the essential fuel that enables the human spirit to continue moving forward, especially in the face of severe adversity. This was the context in which President Lincoln spurred the North forward in light of the Union?s defeat after defeat in the bloody carnage of the Civil War. A hope that at the end of the long and terrible night, we would emerge once again as one nation and that this time, all men would be able to enjoy the privilege of being free.

Conclusion

We live in a time when cynicism and doubt, especially in regard to leaders and their motives are rampant in every area of our culture, including not only corporate, but also government and nonprofit organizations. Would be leaders, to be effective and ultimately successful, must demonstrate to those they expect to lead, the personal integrity required to develop within themselves these six attributes. To live out these attributes, not perfectly, but humanly, including failing, admitting failure and learning from it. Thereby, leaders can instill within their followers the loyalty and commitment necessary for them to accept the high standards the leader sets, models and mentors; adopt the leader?s vision as their own and accept the inevitable hard decisions; for their leaders are out front, visible; providing hope for the future.

Copyright 2005 by John Di Frances

John Di Frances is an internationallyrecognized organizationallegacy expert and professionalspeaker. www.difrances.com

Source: http://www.moonsbeing.com/2012/12/18/The-Six-Essential-Leadership-Attributes/

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Troubleshooting Problems in Website Design

In recent years, companies specializing in website design have been realizing great profits, and their success continues to grow at a rapid pace. ?There is good reason for this continuing upward growth trend, given the changing mechanics of doing business and the way in which the World Wide Web now figures into the business equations of every major company around the world. ?Web page design is an intimate part of creating an online presence for a company or business, and when done right, it dramatically increases the exposure of the company to the public, but when done wrong, it can cause a great deal of irritation or annoyance among potential customers.

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One mistake that many companies make when creating or commissioning their websites is to include PDF files. ?Of course, the creators of those web pages feel justified including PDF files because they feel that there is too much important information to convey effectively on a regular web page and hence the page created in the PDF format. ?The problem with that, however, is that most internet users do not appreciate being directed to a PDF page because it interrupts the flow of their browsing experience. ?

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A much better way to go about providing the information is to create a web page with a summary of the information, and including a link at the top of the page that allows users to download the PDF file if they wish, instead of incorporating it as a web page. ? Formatting of text content is often also a big issue with poorly designed websites. ?Visitors to websites are usually looking for information presented in a manner that is easy to take in at once, without the need to bring too much focus our attention to bear on it. ?Some websites, however, have large blocks of text on their web pages, which will immediately cause most visitors to the site to lose interest. ? ?

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Advertising is another common area of difficulty when it comes to commercial websites. ?Many websites make use of advertising in order to generate revenue, and many services that would otherwise require users for payment are now free because of the revenue generated by advertising. ?Some sites go overboard, however, most place so many advertisements on their websites that the site content with overwhelming advertisements. ?

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In addition, some websites also allow pop-up advertisement, which most internet users really dislike the interference of the flow of browsing. ?While a certain amount of advertising is understandable and acceptable. ?The point here is making the amount of ads to a minimal in order not to discourage visitors to the site from browsing through the site content.

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In order to ensure that your company's website design does not suffer from similar problems, you should always engage a reputable web page design company to design and create your website. ?Of course, you will retain full authority over how you would like the site to look, but the web design company will be able to point out any flaws in the feature that you desire and suggest viable alternatives.

Source: http://website.ezinemark.com/troubleshooting-problems-in-website-design-7d3827e41441.html

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How To Carrier Unlock Samsung Galaxy Note 2 Permanently [Tutorial]

That sounds pretty good, except for one thing that could make a big difference for many. While the user gets the smartphone at a much lower rate from the wireless carrier, it gets locked down to that particular network for a certain period of time under the contract, meaning that the user cannot use a SIM card from another network during that time.

Although most users generally agree to this rule, there might be instances when you don?t want to continue with the same network provider any longer if you find the services unsatisfactory. In addition, while traveling abroad, you want roaming on your smartphone, but don?t want to use a local carrier that is partnered with the cellular service provider you?re currently subscribed to.

If you happen to experience such situations, a carrier unlock is what you should go for. These smartphones are locked using some complex software code and the hardware is nothing to do with it. Hence, there?s always a way to unlock the device, allowing the users to go for the carrier of their choice.

Thanks to the talented minds over at XDA-Developers, here is a tutorial for Samsung Galaxy Note 2 owners who want a network unlock for their devices. Developers have managed to uncover a hidden menu in Samsung?s own software that allows unlocking a pre-locked device.

Before going ahead with the unlocking process, there are some factors to consider:

- Ensure that the phone is actually locked.

- The phone must be running at least Android 4.1 Jelly Bean or higher.

- This method is tested with Galaxy Note 2 N7105. However, it is reported that it works for the N7100 - and some Galaxy S 3 models as well (not guaranteed).

- The users must note that IBTimes will not be held responsible for anything that goes wrong. They should proceed at their own risk.

Method

Step 1:?On the Samsung Galaxy Note 2, launch the phone app and dial the following keys:

*#197328640#

Step 2:?From the Main Menu, navigate to [1] UMTS > [1]Debug Screen > [8] Phone Control > [6] Network Lock > Options.

Step 3:?In the Options screen, choose [3] Perso SHA256 OFF. After choosing this option, wait for 30 seconds.

Step 4:?Now go back one step by pressing the Menu button and then select Back once. You should now be in [6] Network Lock.

Step 5:?Choose [4]NW Lock NV Data INITIALLIZ. After that, wait for a minute.

Step 6:?After a minute, reboot your Galaxy Note 2.

[Source:?XDA Developers?via?Redmond Pie]

The phone should now be carrier unlocked and ready for any SIM card to be used. It should be noted that there won?t be any confirmation related to a successful unlock on the phone. You need to insert a SIM card from a different carrier to check it.

Source: http://www.ibtimes.com/how-carrier-unlock-samsung-galaxy-note-2-permanently-tutorial-926231

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All About: Green Conscience Home and Garden

If you?ve done a recent home renovation or have become a little more conscious of environmental toxins, you?re probably already familiar with Green Conscience Home and Garden in Saratoga. ?I chatted with owner Karen Totino recently, who is such a wonderful person to know!

Karen has a genuine way about her that is not at all preachy or over-the-top. ?Her solutions for non-toxic and sustainable living are extremely attainable. ?She is a wealth of knowledge and a great resource for this community.

?I opened Green Conscience in June 2009.? The store features non-toxic and sustainable interior finishes, lawn and garden products and lifestyle goods,? Karen said.

Karen?s vision for Green Conscience Home & Garden was to offer products that would create not only a non-toxic landscape and exterior of the house, but also a non-toxic interior.

She looks to educate and empower homeowners to make healthier choices for their families.

Now at Green Conscience: Green Nursery Registry!

Green Conscience is pleased to now offer healthy baby furniture, bedding, flooring, paints, wall coverings, diapers, and baby toiletries! ?All are invited to a kick-off event next week on December 5th 2012 called Creating a Green Baby Nursery.

Join them for lunch and a sneak preview of green baby products in the Green?Conscience Nursery Registry!

When: Wednesday, December 5th, 11:30 am ? 2 pm

Also presenting Dr. Jessica Davis, the ?new mom?s Family Doctor? to talk about creating a safe, nontoxic?home environment.

Where:?Green Conscience, 33 Church Street, Saratoga Springs NY

Luncheon:?Locally sourced, courtesy of Green Conscience & Tidy Tots Diapers

RSVP to?cmaxwell@tidytotsdiapers.com?? you?ll be entered in a drawing for a Tidy Tots Twin Set!

Healthy Home Improvement at Green Conscience

From flooring, to wall coverings and paint, nursery furniture to beds and bedding, Green Conscience has a wide variety of products to suit your needs and budget.

Floors

The floors in your home don?t need to be chemical laden.? Natural wool, for example, was one of the first carpet fibers. Durable, naturally fire resistant, and warm, it just makes more sense.? Wood floors can also come with low VOC finishes. Not only that, you can reuse flooring from a reclaimed lumber distributor and keep the whole process sustainable! From reclaimed wood to cork flooring to wool carpeting, there are plenty of non toxic and low VOC options.

Walls

Everyone?s heard about the horror of lead paints, but even traditional paints carry their own load of dangerous chemicals. There are paints out there that are high performance and don?t agitate asthma, allergies, or leave a smell.

Some people want a little more character, so go with expensive wall coverings or stylized faux finishes. These all come with their own toxic impact. Another option is to go with an all natural finish such as clay plaster for walls. Why apply the faux finish when you can just as easily (and less dangerously) use the real thing?

Beds

Most people spend around one third of their life in their bed yet never think about the quality of their bedding.? Mattresses, pillows, and sheets pack quite a chemical punch.? You get a chance to breathe in flame retardants until your blue in the face!? Fortunately, there are cotton, wool, and natural latex options for bedding that let you sleep easier and deeper.? Studies have shown that adults and babies alike keep a more consistent and slower heartbeat when sleeping on natural fibers!

You?ll notice that all of these ?new? healthy products are not new at all! They are not claiming to contain non-toxic chemicals; they are simply utilizing basic, old world, natural materials.

It?s time to make the choice to keep ourselves and families healthy!

Visit Green Conscience

For more info call?518-306-5196?or email:?Karen@green-conscience.com

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Baby Blog Community Connection Featured Biz Home & Lifestyle baby, baby products, buy local, Green Conscience, home, lifestyle, Saratoga Springs, shopping

Source: http://www.saratogamama.com/all-about-green-conscience-home-and-garden/

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New Small Fission Reactor For Deep-space Missions Demonstrated

My father was is the first lot of troops into Nagasaki and he stayed there for as part of the Japanese Occupation Force. They were given no warnings about radiation, no protective equipment, and allowed to pick and pry wherever they wanted among the ruins. HIs photos were taken from pretty much every part of the city.

He had no health problems that could be attributed to radiation. Those of his friends and shipmates who were there also were the same. In every case when they suffered serious ill health it was due to smoking or drinking.

What I have noticed though is curious congenital conditions occasionally popping up in their children, about 1 child in 4 or 5, when there was no history of it previously. This may or may not be coincidence but while these conditions may be awkward for those that have them, no-one has died from one yet.

I myself have worked with radioactive materiels and while they creep the bejesus out of anyone who has anything to do with them the radiation is not overly dangerous at low levels except over long periods, say taking x-rays every day. Even spending six months in Nagasaki starting two weeks after they dropped a plutonium bomb on it didn't cause any problems among the people I know who did it.

Source: http://rss.slashdot.org/~r/Slashdot/slashdotScience/~3/FmDcthzyYPk/story01.htm

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