First started by Anne Moeller of Clio, Michigan in 1982, it’s said that Anne’s alarm clock did not go off, and she overslept. When many clients first see us, they are initially quick to blame others for their own financial quandaries: They blame the banks, the credit card companies, sales people, shopping malls and often say “not having enough time to be on top of it,” is why they have financial difficulties. To take a look in the mirror and realize that we created this financial mess ourselves can be downright depressing.
To get past this, our Personal Financial Trainers work side-by-side with clients while they look in the mirror, so to speak. Before anyone can get to this point, however, they must first stop the blame game and own up. January 10, 2014 By Richard Whittle New year has always been a time for reforming old habits and achieving new goals. However, if like me, you struggle to keep your resolutions, why not ditch the trivial and frivolous and make planning ahead for the inevitable your number one priority for the coming year. As one of the few certainties in life, death must be addressed ahead of time so that plans can be made in advance.
When there’s no funeral plan in place, the cost of the service is usually paid out of the Estate of the deceased, but if the funds are insufficient then the executor (usually the next of kin), is often held personally liable.
If your family genuinely cannot afford to pay the cost of your funeral, they would have to go through the rigmarole of claiming financial assistance. The death of a loved one is a difficult time and is only compounded by financial worries over how to pay for the funeral. Nevertheless, having a funeral plan in place ensures that friends and family don’t have to make such difficult decisions at a testing time in the grieving process, and it means you pay for your funeral at today’s prices.


With a funeral plan from Bungard Funeral Directors you are guaranteed a reliable and trustworthy independent funeral director who will carry out your funeral with the utmost respect, care and professionalism. The problem gun makers are attempting to solve, fitting a gun to the average female, isn’t going to go away with the approach they’re taking.
Whether it’s the classic “shrink it and pink it” approach, shortening length of pull, making forends thinner, putting high-rise combs on downward-angled stocks, or any other tricks to make guns fit women, it’s already been proven that such approaches don’t work—because there is no average woman. Harvard professor and non-profit executive Todd Rose is known for bringing to light the important discovery that humans are anything but average where body dimensions are concerned. To celebrate the acquisition of Norma as well as the feminine physique, the Cleveland Health Museum sponsored a lookalike contest, to which 3,863 women applied. Not intending to repeat the Norma experiment, but to contribute to national security, in 1952, USAF researcher Gilbert Daniels attempted to spec out cockpits for the average pilot, in anticipation of a major bid solicitation.
As for guns, I have a friend who has a so-called ladies model Savage, loves it, and is a successful big game hunter with the rifle. Life as a shooter and instructor has proven to me that “women’s guns” are a either a marketing ploy or a well-intentioned but useless effort to meet the needs of female shooters for the same reasons already discovered last century: there is no average.
It’s not a huge leap of intellect here to say that gun manufacturers could do more for intelligent, adjustable design.
Notice, none of these features are sex-specific—they allow the shooter choice and customization. Some call prostitution the world’s oldest profession, yet before the first hooker sold her wares, or he sold them if the case is as such, first the product to be sold had to be marketed.
Just know up front that if she doesn’t like a choice YOU force on her, she will never like it and will add this to all the baggage she dumps out whenever their is a arguement.


Piers Morgan and Wil Wheaton troll over Olympic Gold in shooting discipline (VIDEO)Ballot referendums to repeal Calf. As a result, she was late for appointments all day long and spent the day spreading blame and making excuses for being late. It might be tempting to blame circumstances or other people, but passing the buck never fixed anyone’s problems, especially when it comes to money troubles or personal finance. In order to get to the bottom of financial anxiety, we need to point the finger at ourselves and take full responsibility for our actions. Without proper help, this crucial first step is often the last or only step most people take in the right direction – they feel overwhelmed and begin to break down. We provide the support it takes to build confidence and the motivation to save more than they ever thought possible. If you do, however, fail to plan ahead, the burden – both financially and in terms of actually making the funeral arrangements – could fall to your loved ones.
To that end designing specifically for either really comes down to accommodating through sheer variety or through modularity. They think the problem is too big and assume they never will have the discipline it takes to get out of the hole. According to Rose, the design change turned out not to even be expensive, once companies got to work on design.



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