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So, you have a problem with your home owner association (HOA) or its board members. The general rule which seems to apply to most people's feelings as it relates to HOAs are follow the rules or its time to move. What happens when you feel your HOA has outdated policies or you have been treated unfairly? The following at 10 things you can do for solutions with your HOA board.

You do have to keep in mind that you singed a contract as it states with your home owner association so these solutions don't work if you simply are made you can't have a gazebo in your backyard. Those issues and others like it are policies that you would need to have your board members approve. The solutions we are mentioning below are for when you feel that the HOA has acted capricious or in a vindictive manner.

5 Solutions to Problems with HOA Board

1. If you read newspaper columns for advice they will tell you to work it out with your HOA board members. You do have to keep in mind that these columns are typically written by lawyers who represent HOA boards so they are not the best source of info for the home owner themselves. It is still important to attempt to work any issues out directly before taking further course of action.

2. You need to know your bylaws. If you want a state official to help you solve your issue you need to know exactly what you are talking about. Many people don't get far with their cases against HOA boards as their information is filled with emotion more than facts on how HOA bylaws were broken.

3. If there are board members who are apathetic to your situation you can use them to hold special meetings and replace vindictive board of directors. It is important that all policies on these proceedings are followed for them to work.

4. You need to keep all documentation with correspondences between you and the HOA or the HOA's attorneys. You want to get to proof of your violations though you have to realize you will also need proof of your innocence. Just as you want the HOA to have all the documentation, so will you if you are to win your case. If you ever need your own lawyer, the lawyer will need proof to be able to defend your interest.

5. Most issues with home owner associations are consistent courses of action that are in violation or patterns of now working with home owners. You can recommend professional community services take over your HOA's management services which is usually better for both the HOA board members themselves and the individual home owners. Professional community management services are experts in how to handle home owner concerns so that both parties understand and win in the end.

What is organic food? The term is becoming more popular. In the United States for a product to claim that it is 100% organic is has to produced following legally regulated guidelines and be subject to strict testing. Typically to because of the detail involve to get the ultra healthy organic food it costs more than the fertilizer and pesticide rich alternatives.

The term organic means that the food was produced without the use of conventional pesticides, synthetic fertilizers or sewage, and that no artificial additives to included in the process. When the term organic relates to animals like beef, the animals are free of antibiotics and growth hormones given typically to make the animals bigger.

In the beginning the only place to get organic food was from your local farmers market. Not any more. Now, family run farms are being over taken by commercial operations that produce still 100% organic food faster and meet the new demand for the products. The United States has grown by 17-20% in organic food sales in the last few years. You can now get organic products from online retailers to Wal-Mart.

In the United States, companies have to pass tough testing and regulations to call their products organic. The term certified organic means that the USDA has certified that the product in question is actually 100% organic. A farmer commercial or family run must apply for their certification. Not all organic food is certified. Food products can be organic and just not have gone through the approval process to be certified.

With the every increasing demand for organic products, more and more products are finding their way into becoming organic. Now, coffee, ice cream, and ketchup can all be found with organic labels and ingredients. There is now an overwhelming change from the overly processed foods that line our grocery stores to more all natural products.

The term all natural is not govern, so the only way to know a product is organic is to get it from a trusted source or grown it yourself. The ladder probably isn't going to happen for most of us. All natural products are not necessarily bad. They are just not going through the certification process to be considered 100% organic.

Looks for the organic label from your trusted places you buy your products. You will have to make the decision on the products that might be 70% or 35% organic. For some products that is as good as it gets for the time being. With the demand high more and more products will start becoming organic. They have to.

Present day health conscious people are attracted more towards natural living fundamental, which includes organic foods as well. But, why do people prefer organic foods instead of conventional foods? How does organic ingredients affect your body? Organic products actually are specially grown food products, rich in organic ingredients, inculcated deliberately. Diets rich in organic health items give natural and fresh dose to the body, as compared to the pesticide inflicted non-organic foods, generally available in the market. Sometimes, conventional foods contain genetically modified organisms (GMO).

Problems associated with non-organic foods The following problems are commonly associated with non-organic products:

Low energy Levels

Low libido

Low motivation levels

Low metabolism Benefits of organic foods for the body Organic items provide not only mental and emotional benefits, but also the physical ones. Therefore, organic foods are fulfilling mentally, physically, and psychologically. Organic products do not contain toxins such as pesticides, antibiotics, additives, and nitrates that are mostly present in non-organic foods. According to an article in the Journal of Applied Nutrition, organic foods are nearly the best ones in the terms of nutritional quality.

Nutrients content of organic foods

Haves: Some of the rich nutrients, largely available in organic health items are:

Chromium - A micro-nutrient, found less in conventional food. Its deficiency may cause diabetes and atherosclerosis in adults.

Selenium - An antioxidant micro-nutrient, which protects from cancer, heart disease, and environmental chemical

Calcium - A mineral required for strong bones and teethes

Boron - This trace element prevents osteoporosis

Lithium - Good for the treatment of certain level of depression

Magnesium - Decreases the death rate, caused due to heart attacks and eases the symptoms of PMS

Vitamins - They are necessary for the body in limited supply for its proper functions and its protection against toxins. Vitamins A, B, C (antioxidant), and beta carotene (immunity booster & prevents lung cancer) are found well in organic foods

Have Nots: According to the researchers, organic foods contain less level of minerals, especially the following heavy metals:

Aluminum - Is responsible for the development of Alzheimer's disease

Lead - Has mental implications and can adversely affect children's IQ

Mercury - It causes neurological damage

Therefore, consuming organic produce is certainly a good idea and promise for good health and long lives, provided you follow the right diet patterns coupled with regular exercising! Organic products have health benefits for you and for the environment that makes long term differences.

Small-group training personal trainer sessions under five people may be just what you need to keep you motivated and moving towards your goals at the health club. Training with friends, families, or your significant other along with your "other significant other": your personal trainer puts you in a fun and comfortable atmosphere where you can train hard and cheer each other on even harder.

When beginning a fitness program, it is so important that you have the support of friends and family, not only so that they won't tempt you with indulgences or keep you from making your appointments at the gym, but so that they will encourage you to stick with your goals and pump you up when you are feeling sluggish. Well, why not bring this support system into the health club with you? After all, don't you think your loved ones need a little pumping up, too?

As a personal trainer myself, I have trained small groups, and I have seen the benefits first-hand. I had a group of five women""all great friends and a mother-daughter duo decide they wanted to train together with me. They had been training together for over a year, but weren't seeing the results they wanted. Following the first session, I could see what the first problem was: they came to the health club with good intentions to train, however ended up choosing to have social hour instead. Now, it wasn't like I didn't allow them to talk, laugh, joke, and have fun; I just kept them focused when they began discussing their weekend plans. After all, I believe a fit and healthy lifestyle should be enjoyable, and I believe you should have fun while you workout. Well, with my help and motivation, it didn't take long to see these women transform together!

Small-group training has other benefits as well. Not only does training with a group of friends allow you to motivate each other both in and out of the health club (how would you like to get a phone call from a fellow trainee just as you were slicing into that piece of chocolate cake, but it can be cost-effective, too. While a personal training session may range anywhere from $35 to $75, depending on where you live (sometimes even more), a group rate may only cost $25 a person. Now that is something to get pumped about! Most health clubs offer small-group training packages, but if yours doesn't you may want to ask if they can put one together for you.

Go ahead, call up a group of close friends today and rather than inviting them to happy hour, invite them to an hour of fitness, fun and slimming waistlines! You'll be hooked in no time.

Organic is a new word used in the context of coffee, tea, cocoa and other food materials in recent times around local shops and super markets. Every year the word is being used by buying public more than the previous year and its use is growing year after year resulting in higher sale proportion of tea or coffee marked as 100% organically grown.

What is organically grown?

To simply put it, organic farming methods leave least or no harmful impact on the surrounding environment. Organic agricultural production systems are mostly traditional methods evolved through learning from nature. In the organic farming methods no synthetic chemical fertilizer or pesticide is used. So that organic production means natural, pure and healthy.

How coffee grows in nature

The coffee plant does not need much direct sun light and so it grows under the shade of large trees. The ground is never sprayed with any chemical insecticide or fertilizer and so the ground water remains pure and uncontaminated. From the canopy of trees leaves fall steadily and the ground is covered by fallen leaves layer on layer. The layers of fallen leaves work as a blanket and protect the moisture of the ground. The moisture in turn help the process of compost to turn the bottom layers of leaves into natural manure to nourish the land.

The thick foliage of shade trees over the coffee bushes house many varieties of birds and also attracts the migratory birds. The birds live on small insects and pests. So they work as natural pest controllers and keep the coffee plants healthy.

The coffee that grows in the shade of other local trees become original and pure in taste and flavor Organic Coffee.

The proposed plantation site is selected carefully. And if the site was being used to grow some other crop using chemical fertilizer or chemical insecticides, then a minimum period of three years are given as conversion years for the proposed site to get over the effects of the harmful chemicals.

After the conversion years coffee bushes are planted along with local shade trees. Care is given equally to the coffee bushes and shade trees and effort is put in to leave bird population to grow undisturbed.

The fallen leaves are left undisturbed to convert into manure to nourish the land and keep it fertile. The bird population effectively controls the pests and harmful insect and protects the coffee bushes. And finally for decaffeinating, approved processes are employed including the Swiss Water process. The coffee thus produced is organic coffee.

Organic vs. commercial production

Organic production methods along with producing coffee intend to protect environment. In this process of growing coffee, more and more trees are grown due to that local biodiversity is achieved. In this method, soil fertility and nutrients are sustained. No chemical pollution is created to harm the human health.

In contrast in commercial profit oriented method of growing coffee, the trees are felled and the cumulative effect is deforestation. Deforestation leads to soil erosion and severe depletion. The commercial grower cuts trees to allow direct sun light which increases production. As there are no birds to control pests and due to the absence of trees and its natural manure, farmers are forced to use chemical fertilizers and pesticides severely harming the environment.

Organic coffee - lifeline of future

Organic production process is eco friendly and helps to repair the environment spoilt by the greedy profit oriented approach of commercial growers of coffee through growing more and more shade trees.

Protecting environment locally helps to enhance the eco system. Rejuvenation and eco system alone can help the planet from disaster and help to sustain life on this planet.

Organic coffee is our responsibility, almost a human duty and life line to healthy future of mankind.

One of the first questions that a child asks his schoolmates when they return to school after the holidays is, "What did you get for Christmas?" With this year's economy forcing parents to cut back, experts believe it is a good time to teach children about one of life's challenges - learning how to live moderately.

Child therapists agree that it is more important to be together during the holidays than to simply buy gifts because the love children feel from the attention you give them will last longer than a gift. And when we teach our children the value of giving to others, it gives the holidays new meaning.

In the new year of 2009, many parents are also going to have to make some difficult decisions about the cost of childcare because they simply cannot afford it anymore. To qualify for childcare assistance through the Department of Social Services, a person must be working.

Over 10 million Americans are out of work and another 6.7 million are working part-time. More than 7 million are working part-time. As parents lose employment, as their hours are cutback, they are taking their children out of organized child care and making due with whatever affordable situation they can find. One problem: many families with no resources for childcare are turning to young family members to care of their younger siblings.

Parents rely on childcare when they are at work, but it is also a great social outlet for children who look forward to it every day. But today, more and more families are being forced to drop out of childcare, due to the economy. This trend signals difficult times for families.

According to the National Association of Child Care Resource & Parent Referral Agencies, day care costs nationwide can run from $3,380 to $10,787 a year for just one preschool-age child.

Some other interesting statistics on the current economy and its impact on children include:

-More than 11 million children under age 5 spend a portion of their day, every week, in the care of someone other than their mother.
-On average, a child of a working mom spends about 36 hours a week in childcare.

With the current economic crisis, quality child care is even more important to the healthy development of each child. For many low income families, child care is the only place that children receive a nutritious meal and snack, given that food is often one of the first places parents sacrifice.

One thing parents must understand when thinking about childcare costs is that each state has a star rating system and the more stars required, the higher educated childcare employees must be in order to meet the standards.

One suggestion to cut costs without sacrificing is for families to look to lower cost, in-home childcare. And remember that once a child hits school age the working parent would regain that income.

In the meantime, maybe the growing economic stress will demand that businesses find ways to be more family friendly and find ways to work parents who have young children.

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Kristin Gabriel is an author and social media marketing professional and works with Rocco Basile - http://www.roccobasile.org - of the the Basile Builders Group based in New York. Basile works with several charities including Children of the City and the Joe DiMaggio Committee for Xaverian High School.

Do your children come home from a weekend with your ex in an altered state? Do you wonder if they've experienced a close encounter of the third kind? Are their behaviors drastically different than during the time when they live with you?

It's important for your children that you discover the whys of this behavioral change. Is he not getting any discipline when he's away from you? Is he neglected and left to his own devices at your exs? Is he abandoned while your ex chases a new skirt? Or if he's staying with mommy, is she watching TV or absorbed in a novel while the kid runs rampant? Or is the child indulged to a point beyond spoiling and given everything he wants when he's visiting the ex?

Your child deserves continuity. This means that the rules should be the same at both dad and mom's house. Have a chat (out of earshot from your child) with your ex about continuity. Don't be blaming or making him/her feel guilty. Simply work toward what is best for your child and know that each of you wants that. Talk about each behavior you see that comes home to you in an altered state and communicate with your ex about how to prevent it for the sake of the child's continuity and emotional stability. You ex may not agree with you, but at least you will know that you did address the issue for the sake of your child.

Now of course, each household will reflect the persona of the mom or the dad and they cannot be precisely identical for the sake of the child's continuity. You might just have to allow your kid a few hours grace while he adjusts back into your way of doing things when he comes home from your ex's home. The kid's change in behavior is most likely to be expected, so cut them a little slack, and remember that they are still dealing with the idea that the two of you are divorced and they don't have themselves wrapped around that idea fully yet. These visits bring up that idea all over again, so be patient and understanding while they adjust to being back at your home again.

If your ex thinks that allowing your kids to eat junk food, party hearty while they are with him with no consideration for bedtimes, and if your conversations with him about this have been ineffective, then here's a comforting thought that I'd like to leave you with: Eventually (when they mature) your kids will recognize the difference and will applaud you for your value-driven decisions.

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In his book "Getting Over It: Wisdom for Divorced Parents," Len Stauffenger shares his simple wisdom gleaned from his divorce with his daughters and with you. Len is a Success Coach and an Attorney. You can purchase Len's book and it's accompanying workbook at http://www.wisdomfordivorcedparents.com