Wonder Twins

Please share this and continue to nurture and challenge every child that comes your way this is absolutely AWESOME!

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Paula and Peter Imafidon are just like any other 9-year-olds. They love laughing, playing on the computer and fighting with each other. What sets these twins apart from their peers, though, is that they are, hands down, prodigies who are about to enter high school and make British history as the youngest to do so.

The precocious London-based tykes, known as the "Wonder Twins," floored academics a year ago when they aced University of Cambridge 's advanced mathematics exam. They are the youngest students to ever pass the test.

The future little scholars' father, Chris , and mother, Ann, immigrated to Britain from Nigeria more than 30 years ago and have actually been down this prodigy route before with their three older children, who are also overachievers.

The couple's oldest daughter, Anne-Marie , is now 20, but at age 13, she won a British government scholarship to take undergraduate courses at John s Hopkins University in Baltimore . Christiana ,

17, their other daughter, is the youngest student ever to study at the undergraduate level in any British University at the age of 11. Youngest daughter, Samantha , now 12, passed two rigorous

high school l evel mathematics and statistics exams at the age of 6. She mentored the twins to

pass their own math secondary school test when they were also 6.

Even with all of this, the proud dad denies that there is any particular genius in his family. He does credit his children's success to the Excellence in Education program for disadvantaged inner-city youth. "Every child is a genius," he said. "Once you identify the talent of a child and put them in the environment that will nurture that talent, then the sky is the limit. Look at Tiger Woods or the Williams sisters -- they were nurtured. You can never rule anything out with them. The competition between the two of them makes them excel in anything they do."

The darling duo are competitive to say the least, and this is what fuels them to out-achieve each other. Paula said, "I am excited to pass, but I should have got higher than Peter."

As far as career paths Paula says she wants to be a math teacher, while Peter aspires to be prime minister one day.

Use These Basic Ten Tips For A Good Night’s Rest

How did you sleep last night? As an African-American, chances are you probably didn’t get enough.

It’s already a well known fact that African-Americans suffer disproportionately from just about all major diseases and chronic health conditions, including diabetes, high blood pressure, obesity and heart disease.

Here are the top ten suggestions to have good night’s rest.

1. Save your worries for the daytime. If concerns come to mind, write them in a “worry book” so you can address those issues the next day.

2. Stick to a sleep schedule. Go to sleep and wake at the same time every day, and avoid spending more time in bed than needed.

3. Select a relaxing bedtime ritual and relaxing techniques. Focus on calming activities and thoughts, particularly an hour before your bedtime, like a warm bath or listening to calming music.

4. Prepare your bedroom for sleep. Create an environment that is conducive to sleep that is quiet, dark and cool with a comfortable mattress and pillows.

5. Stop making your bedroom an all-purpose space. Use your bedroom only for sleep to strengthen the association between your bed and sleep. It may help to remove work materials, computers and televisions from your bedroom. If you can’t sleep, go into another room and do something relaxing until you feel tired.

6. Enjoy a carbohydrate-rich dinner or snack, as well as a cup of herbal tea. Carbs can stave off hunger, a known sleep robber. A study found that when healthy sleepers ate carbohydrate-rich suppers of veggies and tomato sauce over rice, they fell asleep significantly faster at bedtime. Also, some experts say that herbal teas, while not scientifically proven, may make you sleepy by generating body heat. Chamomile, lemon balm, hops and passionflower are all touted for their sleep-promoting properties.

7. Avoid caffeine, alcohol, and (believe it or not) milk. Caffeine affects everyone differently, so if you’re sensitive it might be worth trying to cut down—or limit caffeine to the morning only.

Also, though a glass of wine may help you fall asleep, excessive alcohol use can make you wake up in the night. One theory is that alcohol suppresses the REM (rapid eye movement) sleep state that’s critical to a good night’s sleep. Drink moderately, if at all; avoid drinking within a few hours of bedtime.

“What about a warm glass of milk!?” Well, decades ago, scientists looked into this folk remedy and posited that tryptophan, an amino acid in milk (and turkey), might be responsible for its supposed sleep-inducing effect. But in recent tests, they failed to affect sleep patterns, perhaps because other amino acids in those foods competed with tryptophan to get into the brain. Warm milk at bedtime may be comforting, but it won’t boost sleep-promoting serotonin.

8. Try alternative sleep technologies, such as RealSleep. Remember that kind of groggy, sleepy sensation you get when you’re on a bus, train or are the passenger in a car? RealSleep is a CD that helps you sleep by triggering that same sleepy sensation. It uses three kinds of nearly-inaudible sounds embedded in music to help induce a natural state of sleep, and has been extremely affective in clinical trials. “Sound can drive so much,” says Seth Horowitz. “If you’re really stressed and trying to get to sleep, this will help you.”

9. Exercise regularly. But avoid vigorous workouts close to bedtime.

10. Talk to your doctor. Of course, if you find that nothing is helping you, or you have questions or concerns, speak to a doctor or sleep professional.

Apply these basic ten tips and Sweet Dreams!

Practitioners Seek Compensation from BP

Among people trying to collect compensation from BP for income loss caused by the oil spill are real estate practitioners.

Four states—Louisiana, Alabama, Mississippi and Florida—have opened claim centers where residents who lost income due to the spill can request compensation.

Only Florida is reporting its numbers. Over the last three weeks, BP has paid $75,725 to begin settling 446 claims against it for income lost from rental properties. It paid another $5,000 to begin settling losses due to stalled real estate sales.

BP CEO Tony Hayward said in a TV commercial, “We will honor all legitimate claims, and our clean-up efforts will not come at any cost to taxpayers.”

Health Benefits of Water

How 8 Glasses a Day Keeps Fat Away

Incredible as it may seem, water is quite possibly the single most important catalyst in losing weight and keeping it off. Although most of us take for granted, water may be the only true "magic potion" for permanent weight loss.Water supresses the appetite naturally and helps the body metabolize stored fat. Studies have shown that a decrease in water intake will cause fat deposits to increase, while an increase in water intake can actually reduce fat deposits.

Here's why: The kidneys can't function properly without enough water. When they don't work to capacity, some of their load is dumped onto the liver. One of the liver's primary functions is to metabolize stored fat into usable energy for the body. But if the liver has to do some of the kidney's work it can't operate at full throttle. As a result, it metabolizes less fat more fat remains stored in the body and weight loss stops.

Drinking enough water is the best treatment for fluid retention. When the body gets less water,it perceives this as a threat to survival and begins to hold on to every drop. Water is stored in extracellular spaces (outside the cell). This shows up as swollen feet, legs and hands.

Diuretics offer a temporary solution at best. They force out stored water along with some essential nutrients. Again, the body perceives a treat and will replace the lost water at the first opportunity. Thus, the condition quickly returns.

The best way to overcome the problem of water retention is to give your body what it needs -- plenty of water. Only then will stored water be released.

If you have a constant problem with water retention, excess salt may be to blame. Your body will tolerate sodium only in a certain concentration. The more salt you eat the more water your system retains to dilute it.

But getting rid of unneeded salt is easy -- just drink more water. As it's forced through the kidneys it takes away excess sodium.

The overweight person needs more water than a thin one. Larger people have larger metabolic loads. Since we know that water is the key to fat metabolism, it follows that the over weight person needs more water.

Water helps to maintain proper muscle tone by giving muscles their natural ability to contract and by preventing dehydration. It also helps to prevent the sagging skin that usually follows weigh loss -- shrinking cells are buoyed by water which plumps the skin and leaves it clear, healthy and resilient.

Water helps rid the body of waste. During weight loss, the body has a lot more waste to get rid of -- all that metabolized fat must be shed. Again, adequate water helps flush out the waste.

Water can help relieve constipation. When the body gets too little water, it siphons what it needs from internal sources. The colon is one primary source. Result? Constipation. But when a person drinks enough water, normal bowel function usually returns.

So far, we've discovered some remarkable truths about water and weight loss:

• The body will not function properly without enough water and can't metabolize stored fat efficiently.
• Retained water shows up as excess weight.
• To get rid of excess water you must drink more water.
• Drinking water is essential to weight loss.

How much water is enough? On the average, a person should drink eight 8-ounce glasses every day. That's about 2 quarts. However, the overweight person needs one additional glass for every 25 pounds of excess weight. The amount you drink also should be increased if you exercise briskly or if the weather is hot and dry.Water should preferably be cold. It's absorbed into the system more quickly than warm water. And some evidence suggests that drinking cold water can actually help burn calories. To utilize water most efficiently during weight loss, follow this schedule:

Morning: 1 quart consumed over a 30-minute period.
Noon: 1 quart consumed over a 30-minute period.
Evening: 1 quart consumed between five and six o'clock.When the body gets the water it needs to function optimally, it's fluids are perfectly balanced. When this happens, you have reached the "breakthrough point." What does this mean?

• Endocrine-gland function improves.
• Fluid retention is alleviated as stored water is lost.
• More fat is used as fuel because the liver is free to metabolize stored fat.
• Natural thirst returns.
• There is a loss of hunger almost over night.

If you stop drinking enough water, your body fluids will be thrown out of balance again, and you may experience fluid retention, unexplained weight gain and loss of thirst. To remedy the situation you'll have to go back and force another "breakthrough."

5 Money Mistakes You Might Be Making (and How to Avoid Them)

If you could have more money in your checking account, you'd definitely take it, right? It probably comes as no shocker to you that it's really easy to let your funds slip away. But what you might find surprising is how simple it can be to turn things around for the better. Here are 5 common money mistakes with doable solutions.

Money Mistake #1: My Money Is Disappearing

No one starts the month planning to fritter away a small fortune, but that’s what can happen when minor expenses spiral out of control. It’s not just shopping at Saks that gets you into trouble. Seemingly innocent purchases — $15 jeans at Target, a few things for the kids at a two-for-one sale, the occasional Frappuccino — can do real damage to your bottom line.

What does it take to waste $10,000 a year? Just $27.40 a day. “You can undermine some of your most important goals with purchases you’ll never remember,” says Suzanna de Baca, president of Private Capital Solutions Group, a Des Moines, IA, investment advisory firm.

The fix: Know thyself financially. First step: Take five minutes and read through your latest bank statement. If the transactions seem unrecognizable and you have no idea why you went to the ATM a dozen times, spend a week tracking your spending (longer, if possible).

You can use a notebook, keep receipts in an envelope, try software like Quicken, or check out an online budgeting tool, like these two money sites we tested. Whichever you choose, find a money-tracking method that lets you see your purchasing patterns with fresh eyes.

Tip: Simple Ways to Save on Groceries

Money Mistake #2: I Throw Away Cash

Who would pass up free money? Maybe you, if you make only the minimum contribution to your employer’s 401(k) savings plan — or opt out of the plan on the grounds that money is tight. According to the 2008 Wachovia Retirement Survey, only about a quarter of women with 401(k)s contribute the maximum allowed. Puny 401(k) contributions mean you aren’t taking full advantage of any free matching funds your company offers. Says De Baca: “If your boss offered to add $25 to your weekly paycheck, would you turn it down? Of course not.” Most employers match all or part of the first 3 to 6 percent of pay employees contribute.

That might not sound like much, but take a look at the math: Assume your company will kick in 50 cents for every dollar you put in, up to 5 percent of your salary. If you’re 40 and making $40,000 but decide not to fund your 401(k), you could be giving up almost $230,000 over 25 years.

The fix: If money is so tight you can’t imagine saving two bucks, start small. You don’t have to put in the maximum $15,500 annual contribution ($20,500 if you’re 50 or older). Instead, increase your contribution by 1 percent of pay a year, until you get the full match. One painless way to save: When you get your next raise, use all or part of it to bump up your 401(k) contribution.

If your employer doesn’t offer a match, that doesn’t mean you should skip making contributions. Remember, a 401(k) lets you put away money tax-deferred. This doesn’t just lower your current tax rate; your earnings can really grow, because Uncle Sam isn’t taking a bite out of them.

Tip: Learn How to Protect Your Savings, Stock, 401(k), and Other Assets

Money Mistake #3: My Kid’s Budget Runneth Over

Many parents find themselves wrestling with financial discipline when it comes to their children, says Galia Gichon, creator of “My Money Matters” Kit, a box of financial tips and workbooks. Whether it’s snacks for the little ones at the market or new skate shoes for your tween, “it’s amazing how quickly saying yes can add up,” says Gichon, a New York City financial planner and mother of two.

The fix: Rather than simply saying no to your kids’ endless wish lists — which can lead to wrenching battles — protect your budget and sanity by teaching your children Money Management 101. “Distract and delay” tactics work especially well for children age 6 and under. If your young daughter is jumping up and down for something she wants at the store, says Gichon, “try focusing her attention on something else, or acknowledge what she wants and say that you can talk more about it later when you’re home.” You may have to endure a little complaining, but your child gets an important message about not buying things on a whim.

Tip: Need Help Sticking to a Budget? Try These Tips

Money Mistake #4: I Never Saw a Windfall I Couldn’t Spend

Whether you receive a raise, a tax refund, or a generous birthday check from Aunt Dotty, it’s hard not to view a windfall as an excuse to go shopping. Splurging can be fun, but that’s rarely the best use of your extra cash. “Few Americans are saving enough to cover day-to-day crises, never mind the future,” says Jonathan Pond, author ofGrow Your Money!

The fix: To make sure you don’t feel deprived, earmark some of the newfound money for a modest treat (Aunt Dotty would want it that way). Gichon suggests using 5 or 10 percent for something fun: “That way you do something for yourself — while deciding what to do with the rest.”

Put the remainder of the money where you won’t be as tempted to touch it. Consider an FDIC-insured, high-yield online savings account such as the one offered by ING Direct. It has no minimum balance requirement or fees, and this account typically pays higher-than-average interest rates.

Next, consider where the money would do you the most good. Tackle any small, urgent problems first — a sore tooth, the clunking sound your car makes, leaky windows. This will help avert the hardship of paying for a string of bigger expenses later on as little problems snowball into debt.
Set aside some of your windfall for expenses that you can’t predict precisely but you know will be coming sometime. “You may not know when your cell phone will quit or the water heater will break, but they will,” Pond advises.

Tip: Check Out 25 Ways to Save More Money This Year

Money Mistake #5: I Forget What I’m Worth

If you’re a stay-at-home mom or you work part-time, you may not have enough life insurance. Many women are under insured because they’ve under estimated their income or the value of their contributions to the household. De Baca recalls one client whose wife died in her 30s and had only a $100,000 life insurance policy, which didn’t cover the need for child care for the couple’s young children or the housekeeping chores the client then required.

The fix: A rule of thumb to determine the amount of insurance coverage that you need — multiply your annual expenses by the number of years until your youngest child will turn 18. (Some parents may also want to factor in the future cost of their kids’ college.) Life insurance premiums actually have plummeted in recent years. So if you’re a healthy nonsmoker in your 30s or 40s, you can now buy a $500,000 term insurance policy for about $40 a month.

You and your partner should revisit your insurance coverage annually — or at least after a major event, like the birth of a child. “It takes a lot to run a household, and you want to be covered,” says De Baca.

Tip: Learn How You Can Pay Less for Insurance

What are your biggest hurdles when it comes to savings? Have you discovered any tips for stashing more in the bank?