These long-term incentives, which have been widely used in the Netherlands for the last decade, can make up anywhere from 10% to over 50% of an executive's total compensation -- at the CEO level, options can be worth more than the salary-plus-bonus cash compensation.

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Getting kids to make better choices in even little ways like this can add up over time.

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That means buyers who can offer all cash have a leg up over those who make offers contingent on financing.

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"It doesn't make sense that opposition from a little over one-third of parliament members can put up a complete blockade even if it's the will of the people to change the constitution, " Mr. Abe said last month.

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Any shortfall from the 8% is booked in a "make-up" account the donor can draw on later, if the trust has excess income over 8% .

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You can make your deposits monthly over the course of the year or fund it in arrears at any time up to Apr. 15 of the following year.

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There is a local shuttle service available, however, she learned the hard way that because of her location she is the first pick-up and the last drop off, which can make a simple trip to the grocery store take over 5 hours.

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As a bonus tip for the advanced user, you can also open up PhotoShop or GiMP and overlay the original over the mosaic and alpha it out a bit to make the image pop a some more.

ENGADGET: How-To: Make your own photo mosaics