The first step in personal financial planning is learning to control your day-today financial affairs to enable you to do the things that bring you satisfaction and enjoyment. This is achieved by planning and following a budget. The second step in personal financial planning, and the topic of this section, is choosing and following a course toward achieving your long-term financial goals.

If your healthy and maintain a fitness regimen and get daily exercise regularly, chances are you already are getting enough protein, carbohydrates, and fats in your diet. Now that I have stated that, you may be wondering. But what about vitamins? Even if you don't have stretch marks, everyone should be taking a multi -vitamin every morning to maintain proper nutrition.

Today, feeding children is based on concerns about heart disease, diabetes, cancer, and high blood pressure. There is reason to be concerned. More than 20 percent of Western children are overweight with a good chance that 50 to 70 percent of them will remain overweight as adults. It is important for parents to set good examples of healthful eating.

There are two different schools of thought concerning the ideal club to use for learning the correct swing. Some instructors think it matters very much; others think it doesnt matter much at all. The driver is the most difficult club for golfers to master. It has the least loft and the longest shaft of all the clubs in your bag.

The straight clubface of a driver puts maximum sidespin on the ball; the longer shaft means that your mechanics must be flawless in order to return the clubface square to the ball.

CHRISTMAS - PINEAPPLE CHEESE BALL
2 (8 oz.) pkgs. of cream cheese
1 (8 1/2 oz.) can of crushed pineapple, drained
2 cups of chopped pecans
1/4 cup of chopped green pepper or 1/4 cup of chopped pimiento
2 tablespoons of finely chopped onion
1/2 teaspoon of seasoned salt
Beat softened cheese with a fork. Stir in well drained pineapple, 1 cup pecans, pepper or pimiento, onion and salt.