08 Determine your risk tolerance

Determine Your Risk Tolerance Each individual has a risk tolerance that should not be ignored. Any good stock broker or financial planner knows this, and they should make the effort to help you determine what your risk tolerance is. Then, they should work with you to find investments that do not exceed your risk tolerance. Determining one’s risk tolerance involves several different things. First, you need to know how much money you have to invest, and what your investment and financial goals are. For instance, if you plan to retire in ten years, and you’ve not saved a single penny towards that end, you need to have a high risk tolerance – because you will need to do some aggressive – risky – investing in order to reach your financial goal. On the other side of the coin, if you are in your early twenties and you want to start investing for your retirement, your risk tolerance will be low. You can afford to watch your money grow slowly over time. Realize of course, that your need for a high risk tolerance or your need for a low risk tolerance really has no bearing on how you feel about risk. Again, there is a lot in determining your tolerance. For instance, if you invested in the stock market and you watched the movement of that stock daily and saw that it was dropping slightly, what would you do? Would you sell out or would you let your money ride? If you have a low tolerance for risk, you would want to sell out… if you have a high tolerance, you would let your money ride and see what happens. This is not based on what your financial goals are. This tolerance is based on how you feel about your money! Again, a good financial planner or stock broker should help you determine the level of risk that you are comfortable with, and help you choose your investments accordingly. Your risk tolerance should be based on what your financial goals are and how you feel about the possibility of losing your money. It’s all tied in together. [Insert Your Resource Box Here] (Words: 349)

How credit card debt effects you

The statistics are truly mind numbing and continue to get worse each and every year. At the current rate about 1% or one in a hundred families will be forced to declare bankruptcy at some point and over 90% of Americans' disposable income is spent paying back debts. Not a happy picture but as bleak as that sounds running won't change it but knowledge may and so, let's take a quick snapshot at a few of the current credit card debt statistics facing so many Americans today. The American Consumer spends over 1 trillion (that's a 1 with 12 zeros) per year on credit card purchases. Not a big deal in and of itself but the problem lies in that they end up carrying over and paying interest on about half that amount or $500 billion. This translates into a balance of between $5,000 and $8,000 per family, with about $1,000 per year going just to pay the interest. That's just the average - many people owe much, much more! Excessive Debt Costs Everyone Money Many American receive at least one new credit card offer in the mail every day. The money being spent to service the debt industry is truly immense. Billions are spent administering, calculating and marketing the various aspects of the credit card industry. Few industries or people escape unscathed, at least in the long run by debt. The burden that bankruptcy puts on the court system or the cost to government of providing subsidized debt counseling, are just a few examples of how debt effects the nation. In addition, consumers with excessive debt have less to spend and when money isn't flowing, it hurts the economy. Whatever Happened to Saving? Debt is becoming increasingly more common. Not long ago, even a little debt was considered to be absolutely unacceptable. When you wanted something, you saved up for it and bought it ONLY after you had enough money to actually pay for it. And, if you had less than perfect credit, you couldn't even get a credit card. Look at consumer debt figures as little as 50 years ago and they were absurdly low - the way most of the non-Western world is today. The reasons are many and everyone has an opinion but regardless of the reasons, the art of saving, at least in the "western world" seems to have been lost. Outside of a 401K or similar vehicle offered at your place of employment, virtually nobody is saving enough for retirement. Banks are starting to have to offer ever-higher interest rates to get people to put money anywhere near a savings account. In fact, few people even have a savings account anymore. Most people have a checking account and that's it. Our society and progressed into a "now" culture and the virtues of patience that help grow this country seem to have been lost. Whatever it takes to live life in the present with little regard for the future, appears to be the prevailing sentiment. Is Over Spending the Culprit? Ok, I've been a bit harsh up until now but I don't want to give the impression that the only reason you're in debt is because you continuously and frivolously overspend. Other factors are involved. Truth be told, many people get buried in debt because of the loss of a job or an illness and they use credit cards to pay for basic expenses. As a result, they fall into the downward interest trap spiral as their debt grows out of control from just a few thousand dollars initially borrowed to pay for essentials. Most people do have a reasonable sense of what they can afford and they don't just go out and use credit cards to buy any and everything. Getting heavily into debt is usually a combination of many factors but the problem lies in people leaving balances on their credit cards for too long and not realizing just how deadly compounding interest really is to their financial well-being.

Arts culinary school in atlanta

Atlanta is among the chief areas of United States, wherein numerous arts culinary schools are located. It is an ideal destination for individuals who want to study the culinary art. It is not an astonishing fact anymore that people from all over the world come here to learn the tricks and gain expertise in culinary skills. Schools located in this part of the world offer study programs that vary in cost and in requirements. Few culinary schools have expensive fee structures. But, then they provide quality education which makes Atlanta stand apart from other culinary schools. The Culinary Institute In Atlanta: This art culinary institute in Atlanta is the best school an individual can attend to. It offers novel advances towards the culinary education. The curriculum covers the international recipes and food proficiencies from all over the world. Various professionals from the cuisine world formulate the course study of this school. Nutrition and Safety are the motives that form the foundation of any basic study here. Different kitchen operations, catering management, cost control and supervision of food are the skills taught here. Various superior baking, culinary arts, catering and pie concentration techniques are taught to the students by skilled faculties. Apart from this, student is taught about how to handle customer service and beverage sections. The emphasis is more in attaining expertise in different American, traditional and international food forms. The students from this school participate in various competitions that are held more often. The institute offers exceptional facilities in terms of lodging and other modern amenities. The accreditation is given by ACF (American Culinary Federation) that awards the CPC (Certified Pastry Culinarian) and CC (Certified Culinarian) on the successful completion of the arts degree. The institute also offers one of its kind paid 1 year membership upon the completion of graduation. The culinary art school also has 3 programs of Traditional, Plus and Online Courses using which a student can earn their degree, which is exclusively custom made to suit the schedule of the students. Career Prospects: Students passing out of this culinary Institute in Atlanta gain direct entry as chefs, cook, baking trainee, catering aide in various restaurants, hotels and in food catering companies. With further expertise in the profession students become head chefs, pastry chefs and can open their own restaurants. Moreover, there are prosperous opportunities in Atlanta that houses more than 8,000 restaurants. The culinary art school in Atlanta offers exceptional dining skills, which is full in terms of experience of flavor, aroma as well as presentation. Importance of Choosing the Right Culinary Arts School (ACS): Every enthusiast wishing to become an exceptional chef needs to choose the best ACS. An ideal culinary school provides the students with all the training and learning necessities to excel in this field. The arts culinary school includes different specialization fields such as food writer, gourmet, restaurant owner, a baker and so on. It entirely depends upon the students that what kind of work in culinary field they need to consider after graduating from the culinary school. There are various culinary schools located across various places in the world who claim that they are the best. An individual can directly visit the school or can surf the federal websites that rank and provide the accreditation to the arts culinary schools. But choosing the right school becomes really difficult. Hence, a student needs to adhere to certain guidelines before choosing the best culinary school.

Tips for selling products and services online

Have you considered selling products and/or services online? Have you already jumped into this lucrative market? If so, how are your sales? If you are reading this article then you most likely haven’t reached your sales goal. So read on to find out helpful tips for selling your products and services online. Enlist the help of technological gurus to get you up and running on the Internet quickly. Don’t seek out a website design firm because they are often too slow. You need to manage the website. Have the website designer create a shell model from which you can build your own websites. You can learn how to create, manage, and update your WebPages in as little as a few hours. Try to find inexpensive tools that are going to yield a high rate of return. An inexpensive tool that you must invest in is a “sequential Autoresponder”. A sequential Autoresponder sends out email after email to your customer list. You can send out a free e-course with this Autoresponder. Make sure that you send a product link as this can lead to sales conversions. When you are selling products and services online it is beneficial to understand the type of revenue sources available. Utilize as many, or all, of these revenue sources to maximize profit. The revenue sources include: direct sales, joint venture deals, residual affiliate program, EBay affiliates & EBay direct sales, Google AdSense program The first revenue source is through direct sales. This includes sales letters which connect directly with the customer. The second revenue source is joint venture deals. Joint venture deals entail working with another colleague to help sell each other’s products. You then give each other commissions. The third revenue source is a residual affiliate program. A residual affiliate program is when you recommend a colleague’s service or product to help turn it into a sales conversion. Basically, you will earn a commission as an affiliate for life. The fourth revenue source consists of EBay affiliates and EBay direct sales. EBay is growing significantly every day allowing EBay to be used as a lead generator. The fifth revenue source is to participate in the Google AdSense program. In this program, Google puts advertisements on your website for you and if somebody clicks on them, then you get paid. Finally you can earn revenue from telephone seminars that you can disperse across the Internet and mentor coaching retreats.

Finding fashion stores to shop at

Finding Fashion Stores to Shop At Are you interested in revamping your appearance, at least in terms of your fashion? If you are, you may be looking to buy new clothes or fashion accessories. If you are looking for the latest in fashion trends, you may want to think about finding a well-known and popular fashion store to shop at, as they often have the largest selection of clothes and clothing accessories for today’s top fashions. When it comes to finding a fashion store to shop at, you have a number of different options. One of those options involves heading down to your local shopping mall. Shopping malls are a great place to find a number of well-known and popular fashion stores. While many small shopping malls do have some great fashion stores to shop at, you may find a larger selection of fashion stores and better ones by visiting a larger shopping mall. Larger shopping malls are commonly found in large cities or in popular vacation destinations. You may also want to think about asking those that you know for recommendations. This works best if you see someone that you know wearing something, like a dress or a business suit, that you would like to own yourself. If you may want to casually ask a friend, family member, coworker, or neighbor where they got the item and if they like shopping there. If they do and if you like their taste in fashion, there is a good chance that you will also like the fashion store in question. If you have never heard of the fashion store being recommended to you before, you may want to get the location of the store so that you can start shopping. Another way that you can go about finding a good fashion store to shop at is just by keeping your eyes open. As previously mentioned, a large number of fashion stores are located inside shopping malls, but not always. A large number of fashion stores are also considered standalone stores. For that reason, you never know when you may come across a really neat fashion store when out shopping for groceries or just driving home from work. Many of the individuals who end up finding their favorite fashion stores just happen on them by chance. The internet is another way that you can go about finding information on a locally based fashion store. A large number of businesses, including fashion stores, have online websites. Those online websites will likely outline the location of the store in question, as well as contain other important pieces of information. It is common to find a few pictures and other information about the fashion pieces and accessories sold at a fashion store on their online website. You can find the online website of a local fashion store, if they have one, by performing a standard internet search. You may also be able to use business directories, as many link to the business’s online website. Speaking of using the internet to find information on a local fashion store, you can also use the internet to find an online fashion store. While a large number of fashion store owners choose to operate their stores in a storefront location, there are others who choose to operate an online store and even some to choose to do both. By performing a standard internet search, with phrase like “women’s clothing,” “fashion store,” and so forth, you may be directed to the online websites of multiple online fashion stores. The more that you able to customize your search to include what you are looking for, like men’s business suits or women’s lingerie, you are more likely to find exactly what you were looking for online. If you are interested in improving your fashion sense, one of the first things that you should do is visit a fashion store, even if it is just to look around. As you can see, there are a number of different ways that you can go about finding a popular fashion store to shop at, as well as one that may be known as a well-kept secret. Word Count 685

Hotels in newmarket

As part of your stay in and around Cambridgeshire you will more than likely want to spend a couple of days exploring the nearby horse racing town of Newmarket. Steeped in horse racing tradition and home to the Jockey Club, Newmarket is a jewel on the Cambridgeshire/Suffolk border. Although technically in Suffolk, Newmarket is surrounded on three sides by Cambridgeshire, and it has a CB postcode so it would be a shame to visit the county without a quick hop over the Suffolk border to sample this delightful town. Thankfully, due mainly to the horse racing industry there are plenty of top class hotels in Newmarket. The Rutland Arms on the High Street offers first rate accommodation with easy access to the local pubs and restaurants. The White Hart Hotel a bit further up has the convenience of being next to a taxi rank, which is handy for the racing, but the pub below can be quite lively at weekends, which needs to be taken into consideration if you are travelling with a young family. If you want to escape the hustle and bustle of the High Street the Bedford Lodge hotel is situated about a mile or so down the exclusive Bury Road. The Bedford Lodge offers top class accommodation, along with a pool, gym and restaurant. A range of Spa treatments are also available at the health centre to make your stay that extra bit special. If you are travelling on a budget there a number of decent B&B’s and Guest Houses scattered around the town and in the nearby villages such as Burwell, Exning and Chevely. In summary, you should not have any difficulty in finding a selection of fine hotels in Newmarket. If you are visiting during May to July you should try and time it with one of the fabulous Newmarket Nights events. These combine a night at the races followed by a guest performance in the grandstand. Previous performers have included Jools Holland, Westlife and Girls Aloud and they are guaranteed to be a good night. To find accommodation providers in Newmarket follow the link below: cambridgeshiretouristguide/Display_Results. asp? cboService=113&CityID=437

Making money in real estate 10 ways

Making money in real estate is an endless topic that includes all the various types of real estate investments. There is land, apartment buildings, homes, commercial buildings and more. Whatever the type however, you'll make your profits in some of the basic ways listed below. Use this list to get yourself thinking of the possibilities. 1. Appreciation. Making money in real estate can be as simple as holding on and waiting. To really get the most appreciation in value, however, you should buy in an area where demand is growing faster than the supply. 2. Depreciation. Remember that after all the tax law changes, you still get to declare a loss for depreciation that doesn't really exist. That can save you a lot at tax time, meaning more after-tax profit. To maximize this, buy property that has its value primarily in the buildings, because you can't depreciate the value of land. 3. Loan pay-down. You gain equity with every payment you make. Get the lowest interest rate you can and more of each payment will go towards the principal. 4. Cash flow. When you buy income property the right way, you not only have your tenants paying all the costs and paying down the mortgage loan, but you also have positive cash flow. 5. Buy low. When you buy below market you get instant equity that will be converted into a profit when you sell. Offer a reason for the seller to sell low: fast closing, cash, assume some debts or liabilities, etc. Or just make a low offer. The seller may have his own reasons to sell it cheap. 6. Sell high. Clean it up nice, make it easy to buy, and find the right buyer to get top dollar. The next four on the list cover ways to create value, so you'll get more when you sell. 7. Offer financing. You can often get substantially more for a property if you offer financing. This is especially true if you let someone buy it with little money down. You can also get good interest on the loan. 8. Change use. If there is a higher use for the property, you can convert it to make it worth more to the next owner. Sometimes this means making condos into apartments, or apartments into condos. Maybe converting a home into office space will get the biggest return. 9. Improve and repair. Repairing anything that needs it is obvious, but you need to look creatively and carefully to find improvements to make. Concentrate only on those that will raise the value several times more than what they cost you. 10. Sell in parts. In real estate, the parts are often worth more than the whole. For example, splitting off an extra lot to sell for $30,000 will rarely decrease the value of a home by that much, so you'll make more money in the end. Making money in real estate can be a wonderfully creative process. Just look at the sources of profits listed here, and think of how you can use a few of them on your next real estate investment.

Camera bag olympus

Tips for Finding a Perfect Olympus Camera Bag Camera bags are widely available in different colors, sizes, designs, shapes, functions, and materials. This is an essential equipment for photographers as it makes their jobs easier, it allows them to have a place where they can arrange their equipment as well as protect them from the elements. Not only are camera bags more stylish today, they also are integrated with the latest designs and materials allowing them to be lightweight and durable. If you have photography as a hobby and you own an Olympus Camera, then it could help if you follow some useful tips provided by professional photographers. 1. Assess initial requirements. The design should be accessible and compatible to an Olympus camera to provide the proper fit and protection. 2. Give enough time on your selection process. There are important factors that must be considered to find the best variety of camera bag for you. - If you are after the way it would be carried or transported, then you must choose from a wider selection of various styles: strap shoulder bags to carry it over your shoulders, funny-packs or belt-bags can be strapped around your waist, customized backpacks are designed to carry heavy photo equipments comfortably even in rough terrain, and there are photocases which are either hardcases, tropicalized, watertight, or even designs that are able to float. Camera bags are considered ideal if it includes a fair, wide, and non-slip padded strap. The strap must encircle the camera bag rather than being attached on its toplid and can be adjusted to fit your body. The handle should be rugged enough for carrying it off your shoulders. - Figure out the camera bag size by taking all the equipments and laying it on the table. Separate it according to the frequency of usage, "always or often used" and "less used". The first category will determine the bag's size. Most photographers will prefer the medium-sized bags approximately 14x8x10 inches (WxHxD). It could accommodate two cameras, flash units, several lenses, and few varied accessories such as cleaning kit, pen, notebook and others. - If you are a beginner, start with a small useful design, however for larger Olympus camera models, choose the 10x8x8 inches capable of holding one unit of camera, 2 to 3 lenses, some useful accessories, and films. You can also consider the belt bag type which is more comfortable and easily accessible. Two small or medium sizes of camera bags are appropriate rather than a large bag which can be difficult to carry when it's fully loaded. In this case, choose a backpack for carrying telephoto lenses. Dividers or partitions are also essential in organizing your camera bag, however avoid the cardboard partitions because it's not durable. - Checking the materials used and its workmanship to ensure quality. Materials that are considered as premium materials are DuPont Cordura, and ballistic nylon. Other options could be canvas, and leather. Go for a minimum of 600 denier bags. ( Denier is the strength and thickness of the material) The zipper closures must be protected from rain and the teeth are fairly made of metal. Its sliders have a two way opening for quick access. Examine if the seams are well-stitched and sealed from moisture having reinforced edges and bottom. 3. Review prices. Beginners are advised to keep away from camera bags with lower prices regardless of its expensive looks. Remember that its price can never meet the cost of high quality materials. Keep in mind these helpful tips and enjoy your time in searching for a Olympus Camera bag which would perfectly meet your camera bag needs.

Secured wedding loans worth your property make your wedding a wonder

Wedding is a special event in everyone’s life. We all try to make this special event wonderful. Tying nuptial knots in a magnificent marriage ceremony – is everyone’s dream. But without financial funds, its like building castle in the sky, as it’s an expensive matter. Now, it’s a time to worth your property and makes your wedding a wonder. With secured wedding loans, you can turn your dream a reality. Generally, secured wedding loans are given against collateral. If you have a property such as home, car or even savings account, you can use it as collateral to get secured wedding loans. With secured wedding loans, you can borrow money ranging from Ј5000 to Ј25000. But, if your loan amount exceeds this range, then lenders will evaluate the property you are using as collateral. A higher value of the property may ensure greater amount of loan. Secured wedding loans are adorned with a number of benefits. Such as, Easy repayment schedule, lower interest rate and quick availability. As urgency is involved in it, lenders approve secured wedding loans quickly. Besides, loan companies have various finance plans to pay for expensive things like reception, hotel, honeymoon, wedding photography, wedding cars. There are also several loan products for parents of brides and bridegrooms, who want to finance the wedding of their children. Even, if you have bad credit history, still you can get the benefits of secured wedding loans. A loan offer would be made to you depending on your credit circumstances by the lenders. But, before applying for secured wedding loans, some efforts are necessitated. At first, you will have to estimate your financial requirements. Since you are using your property as collateral, you need to be conscious about your financial condition as well. If you fail to repay, it will endanger your property. Next comes to the choice of lenders. Apart from traditional lenders, like bank, financial organizations, you can opt for online secured wedding loans. It is rather easy to find secured wedding loans online with great interest rates. As a simplest process, for online secured wedding loans, you need to fill up only an application and the lenders will contact you with the deals they find appropriate for you. At last, needless to say, comparing loan rates will help you finding the best secured wedding loans. With secured wedding loans, you will be able to make your wedding a smooth sailing occasion. These loans are approved very easily. Hence, its popularity is increasing day by day.

The history of candle making

The History of Candle Making The art of making candles has been around since primitive times. Of course, as time went by they become much different in design than what they were back then. In the early days, candles were a necessity for heat and light. Today they serve as decorations, wonderfully smelling mechanisms in our homes, and offer light for romantic dinners and baths. The first known use of candles is not completely known. The remains of clay candle holders that date back to 4 BC have given us the knowledge that they have been in use for a very long time. Those clay candle holders were found in Egypt. Candles were also used in ancient times in both China and Japan. These candles were made of wax extracted from insects and seeds. The taper candles of India were made from the wax extracted from boiled cinnamon. Candles are not known to exist in American until 1 AD. It is believed Native American’s burned oily fish and the back of the Cerio tree. When settlers came to New England, they used similar techniques to extract wax from bayberries. Many modern candle makers still use that process to make bayberry candles. However, it is quite expensive to do so. Tallow was the product used to make candles in the 1600’s and 1700’s. This is a byproduct from animal fat. The product worked well but had a foul odor, especially when it was burning. Bees wax and paraffin wax both were introduced in the early 1800’s, and tallow stopped being used. The dipping process for taper candles as we know it today began in 13 AD. Traveler merchants went door to door from town to town. While there, they made taper candles for individuals in their homes. Around 15 AD the idea to use molds for various types of candles was introduced in Paris. While this greatly improved the candle making process, there were still issues with getting the candles to burn properly. In the 1800’s, candle makers felt the wick was the weakest area of the candle as well as the cause for defective burning patterns. A braided wick was developed in 1825 that seemed to greatly improve the burning of several types of candles. By 1830, a process was in place to make candles using paraffin wax and molds. These candles were of good quality and burned well. As gas and electricity were introduced, the candle making process continued to evolve. It became much easier and faster to melt the paraffin wax. It is believed that the reason so many of the elements of candle making stayed the same, including the hand dipping process is because the popularity of candles diminished with the introduction of electricity. Today, candle making is a well known art form. There are many companies who manufacture wonderful candles with some very unique fragrances. There are also small businesses that still make their candles by home in their kitchen. Candle making is a great hobby and fun activity for the whole family to be involved in. Candles are now used more for luxury and pleasure than for light or heat. The candle industry continues to grow with new types of candles being introduced all the time. The amount of colors, fragrances, and types of candles to choose from in the marketplace is absolutely amazing. Candles are a very common home decorating item. They are used to accent any room in your house. They are a common centerpiece for dinner parties and formal occasions. The unity candles that are presided over at many weddings hold a deep sense of tradition in the American culture. The art of making candles has definitely changed over time. If you are interested in trying your hand at it, choose a candle that is fairly easy to make such as the container candle or the votive. This will allow you the chance to get used to the process. There are several good candle making kits available for a low price as well as books to give you tips and assistance along the way. Word Count 682

Cement home ownership with 30 year mortgage rates

A house is made of walls and beams, while a home is built with love and dreams. Both house and home have one ingredient in common, however, and that is mortgage. If your house is the substance your dreams are made of, mortgage payments may be fodder for several nights' worth of nightmares. Loan Term In home loan lending, loan term refers to the period over which you must make payments. Different loans have different terms. The safest term to go for is fixed-rate mortgage. Under this type, your monthly mortgage payments do not change over the life of your loan. You may take your pick from a multitude of terms, such as 5, 10, 15, 20, 25, and 30 years. This article will focus on the merits of getting 30-year mortgage rates. Advantages of Getting 30-Year Mortgage Rates A 30-year mortgage is the granddaddy of all home loans in home loan lending. As a rule of thumb, the longer the loan term, the lower the monthly payments. If you get 30-year mortgage rates, your monthly dues will be so affordable you will have more disposable income for your living expenses. Furthermore, you will be able to funnel more money towards your savings for retirement, tuition, or whatever purpose you have in mind. The good thing about having extra cash is that you may use it to make additional payments on your mortgage balance. This will help shorten the term of your loan. Another benefit of availing of 30-year mortgage rates is that it is easy to get a loan approved if it comes with longer terms. In fact, with longer terms, you may even be able to get a larger or finer house. In home loan lending, long-term loans are often perceived as more stable compared to short-term loans. Advantages of Fixed Rate Mortgage Fixed rate mortgage, particularly those involving 30-year mortgage rates, are recommended because: 1. you know exactly how much you will be repaying every month, for the next 30 years. This makes budgeting easy. 2. even if rates skyrocket, your rate is locked in for the next 30 years. Your monthly repayments will always be the same. 3. you do not have to remortgage every two or three years. Disadvantages of Fixed Rate Mortgage Admittedly, 30-year mortgage rates are not without their drawbacks. Some believe getting 30-year mortgage rates is not in their best interest because: 1. if mortgage rates fall, the fixed rate given to you will be higher than prevailing rates. 2. fixed rate mortgages generally require you to pay an arrangement or booking fee. 3. longer-term fixed rate mortgages require early repayment charges during the duration of the fixed period. The decision to go for longer-term fixed rate mortgages is one you should make with care. Prudence and well-timed monthly payments can be the two things that separate the house-rich from the homeless.

Wireless satellite it s not just for tv anymore

As technology advanced forward, many of the things we've taken for granted for years are being reborn under the banner of wireless or wireless satellite Internet. Of course, we're talking about a lot more than just receiving the Internet from a satellite connection. Many other technologies have also obtained new life through the use of "sky birds." Some of the most visible changes in technologies has been in communications and entertainment. Cellular telephones use satellite services to bounce signals literally around the world. Although cell phone service is typically within a 2 mile radius of a cellular tower, by using the power of stationary satellites, a signal or connection on a cell phone can be routed to wherever another cell tower can be found. This is especially good news for those people who tend to be in more remote areas. Wireless satellite Internet is a connection to the web that's available anywhere the sky can be seen. Using a satellite to make the connection into the web holds the promise of all the web all the time, anytime. The always on no matter where you are can be a major benefit for many people. This feature is especially promising for serious followers of sports, sport teams, news, weather junkies, stock reports, etc. Imagine anytime, all the time, whenever there's a computer to be able to log into you Internet connection using wireless satellite Internet services. Another technology that falls under the umbrella of wireless satellite Internet is the whole television genrepanies like Direct Way and Dish Network are rapidly building infrastructure that replaces traditional antennae or cable television reception options. For about the same price as cable-TV a clear view of the southern sky will deliver crystal clear television with all popular channels. Movies on Demand is an up and coming technology that will literally allow you to order movies to watch whenever you want. No more being tied to the start times of the networks, cable companies or even the satellite entertainment providers. All movies, whenever, all the time is the driving force behind the wave of growth in this fast paced industry.

Running a retail website

What You Need To Know Of the many potential home businesses, a retail website is one of the best. Running a retail website isn’t the easiest thing to do in the world – but neither has it to be the hardest thing you’ve ever done. Whatever the goods and services that you are selling, there are ways and means to make it work just a little bit better. Here are some tips that can help you improve your retailing efforts – and, by extension, your home business. Create a niche site. If you want to make it big in the retailing business, you should have a site, or a group of sites, that cater to specific customer groups or to specific products. A “supermarket” set-up on a retailing website, wherein everything is thrown together, simply will not work. People can easily get confused in such an environment. Confusion can lead to frustration, and frustration can lead customers to simply give up. A niche site must be focused, targeted, and relatively easy to navigate. Make your site easy to navigate. Everyday many people are getting on the internet for the first time. Some of these people are going to go on your site. If these people cannot navigate your site, then chances are nil that they will buy something from you. Make it a practice to review the layout of your site from time to time. Is it simple enough? Imagine yourself going around the site for the first time. Is the overall arrangement conducive to persuading people to make purchase? Advertise, advertise, advertise. You can’t expect anyone to buy from you if they don’t even know that you’re in business. You should advertise in every possible way. Over the internet, this means giving out links and reciprocating people who link their sites to yours. It means writing articles that can extend your visibility. It means getting optimized for the search engines. However, you can also advertise conventionally. For instance, you can post banners and give out flyers and stickers. You can spread your business information by word-of-mouth as well – which is arguably the most effective way, anyway. A shining recommendation from a friend can do more than a thousand stickers. Sell quality products. The only way to make money in retailing is to keep people buying from you again and again. And the only way to do that is to provide goods and services that are well worth the money. Remember that people must feel satisfied with their purchases, else they probably never will purchase anything from you again. If you have excellent products, people will find their way to you, even if you don’t expend as much effort advertising them. By applying these basic tips, you should be on your way to creating a great retailing website.

Sleeping bag pads

: Sleeping bag pads are not one of the things you should cut from your list. Backpackers want to reduce their weight, but not even ultralight backpackers want to reduce their comfort. Still, who wants to carry those monstrous old inflatables down the trail? Try some of these lightweight options instead. Make four-ounce sleeping bag pads, and sometimes carry two of them. Use the plain blue closed-cell foam pads available from any backpacking supplier. They are made larger than necessary, usually 24 by 72 inches. Just cut them down to a four-ounce size that fits your torso. It should reach from your shoulders to your hips. You may want to cut the width a little at a time, testing for comfort as you go. The pad should be as small as you can make it, while still big enough to insulate your torso from the ground. A pillow of spare clothes can be used for your head, and your legs can be on your empty pack to insulate them. Sleeping Bag Pads For Lightweight Fanatics To make it really light, cut pieces out of the pad. Small holes in the pad don't seem to make it less comfortable. If you cut out a hundred little pieces of foam, you save an ounce and join the ranks of the fanatical ultralight backpackers. Want to go even lighter? Leave the pad behind and try sleeping where the ground is soft. You can also pile up leaves or dry grass to sleep on. Do this where it won't harm the enviroment, and scatter the leaves in the morning so they don't kill the vegetation they're on. For fifteen minutes of work each night collecting materials, you can leave the sleeping pad home and actually be more comfortable. A thick pile of dried grass - now that's a nice camping mattress. More Luxurious Sleeping Bag Pads Want more cushioning? Inflatable sleeping pads are no longer out of the question for lightweight backpacking. The Big Agnes Air Core Pad from REI is a 3/4 length pad that weighs just 16 ounces and is an incredible 2 1/2" thick! If you've slept with Big Agnes, let me know how she is. You can also find a few self-inflating pads that are reasonably light. The old Thermarest I sometimes use is actually only 21 ounces, but both Thermarest and others now have self-inflating sleeping pads that are under a pound. That's a lot of comfort for such lightweight sleeping bag pads.

A moving experience

I’ve found a cool apartment! Okay, okay…so it’s not perfect. Just a few bugs. I mean literally! First expense? An exterminator! Is it worth the cash? Well, I can’t afford a more expensive place, so a one-time (please!) cash outlay should be okay. Maybe just a can of “Raid?” I need a way to move my stuff. Daddy, can I borrow your truck? You don’t have one? Why not? Do you want one? I’ll help you pick it out! Well, it was just a suggestion. No need to get all bent out of shape! I guess I’d better call the truck rental places. What do you mean…$200…PLUS mileage? AND Gas? Good grief! While I’m on the phone I’ll call the utility and phone companies. Yes, I know I haven’t used your services before. No, I don’t have a credit card; this is my first place. You want what? A $100 deposit? For EACH? Holy cow…do you people have a license to steal? Daddy, I need $500 for moving expenses! I used all my money for the first and last months rent AND the damage deposit. Well, how was I to know this was going to be so expensive? Sell something? Daaaaad…I NEED my TV! Boy, this place is pretty empty. Maybe I should buy a couch and a chair. Nah…I have my bed. That’ll be good enough. I don’t need a table; I’ll just use this box. Renters Insurance? I don’t think so! What do I have to insure? Just got my first phone call! I’d love to come to your party! Daddy, I need a car. Because it’s too far to walk to work, that’s why. Umm, Daddy…there’s car insurance too! Thanks, Dad…you’re the best! And gas? I didn’t think so… Time for dinner. Let’s look in these boxes. Oh, No! No dishes or pans. No FOOD! Uhhh, Mom?

Where can i find teaching materials for homeschooling

How do you successfully determine what method of teaching, what lessons to teach and at what speed? Having decided to educate your kids at home for the purpose of giving your children the needed attention they require, do you still follow the school's standards of what subjects to cover and take up and when? Has keeping with the rules and standards of the school meant hurrying your children through anything by driving them to memorizing certain areas of the subject matter so to progress? If you are, keep in mind that you are not doing your children any favors at all. For kids to really be equipped for life, you should exploit the benefits of what homeschooling will permit you to accomplish and that is choosing your objectives and goals and setting the pace in relation to your children’s specific needs. By far, the biggest challenge that a homeschooling parent encounters is making a homeschooling schedule. While some make use of software programs, some parents write their notes in notebooks or in computer programs such as Microsoft Word; some plan the activities as the day goes and others do the planning ahead; there are some who do not make plans at all. It would really depend on the type of person that you are, on where are you comfortable with. However, making a yearly plan of objectives consisting of goals which you have established for your child is the best, convenient and effective way to go. Basing from the goals you have set, the choices you make when gathering the homeschooling materials needed will be much easier and ensure that they will be put into productive use. Since you are well familiar with your child’s learning abilities, it is wise that the goals you set will be based from his/her capabilities. At such time that your child is old or mature enough, he can and must help in the goals that you make, ultimately setting his own goals, making you his advisor. You can acquire homeschooling teaching materials on the internet, and it is important that you become well acquainted with the teaching materials in order that you can manage, organize and take control so that you understand and see everything in an orderly manner. Here are suggestions to help you achieve this task: 1. Group materials for the whole school year by topic. 2. Sort out the teaching materials that will be used by you from the materials that will be used by your child. 3. Place the materials in such a way that it is accessible to the kids when they need to refer to it. 4. When organizing the educational materials for every subject, keep the primary alongside the supplemental materials, as well as make certain that extra materials, like additional readings and tools, are readily available when needed. 5. Take into account making a listing of educational materials that you have. This is useful especially when you are teaching two or more children as the list can keep track and organize the materials that you have through the years. 6. After obtaining the materials for a certain subject's curriculum, study and spend a lot of time getting yourself familiar and well acquainted with everything. You can inspect the materials through answering the following guidelines: How are these materials constructed to be carried out? What is the expected time frame for each session? What type of performance is expected for the child? Do I have all supplemental materials that I need, such as the teacher's guide or student workbooks? If not, you will need to get them before the school year starts. Do supplemental materials, like the answer key and teacher's guide fit in and conform with it? Do the materials actually match your expectations? At times when you were not able to directly examine the materials, when you receive them, they are not what you really have expected. Return and replace the materials with what really matches your needs. The technology of today, especially the internet has exposed a lot of homeschooling materials and supplies readily available to all individuals. With a lot of research one can surely find homeschooingl educational software, lesson plans, curriculums, programs, educational games, activities, and a lot more! The internet is overflowing with information so searching for and looking for resources is not a problem at all. Also, there are a number of support groups and forums to ensure an effective homeschooling experience for you.

Stutter in child

When a child starts to develop a stutter, it comes as a shock to everyone involved. It can be a very stressful time for both the parents and for the child. I myself developed a stutter at the age of four or five. My mother had left work to look after me when I was born and I started to talk as normal. Everything was fine until I started school. My mother - who now had more time on her hands, decided to re-start work and I would now be going to a friend of the families after school. This friend was called Jean and she had a son my age called Graham. On the first day I spent at her house everything was going well until Jean called us in for our evening meal. Meal times at my own house were a very relaxed affair, we were able to eat our food wherever we wanted to in the house. At Jean's house they ate in a dining room around a dining table. There were a lot of people around the table who I did not know very well and eating in front of them all, made me feel quite uncomfortable. During the meal people were asking me various questions and for whatever reason, I found it difficult to answer and started to stutter. This was the first day of my life as a person who has a stutter. My parents a few months later took me to speech therapy, the speech therapist advised them that most children will grow out of their stutter. I continued unfortunately to stutter until I was twenty two. At this stage I decided I had had enough and that it was time to overcome the stutter. I decided to try and find my own stuttering solution. I went about this by reading books about self confidence as I certainly had a low self esteem. I also studied people who I believed were very good talkers and tried to work out how the spoke differently than me, for example the way they breathed. After nearly a year I was proud to be able to class myself as fluent and as a career I now help other people to achieve fluency.

Top 7 ways to prevent unnecessary stress at work

Stress plays a critical role in life. It can help you accomplish work timely and accurately, promote healthy competition, and force you to evaluate problems and formulate creative solutions. It can also hamper your ability to effectively perform your job, thereby reducing your chances of promotion; interfere with your capacity to sustain relationships; and lead to physical illness. So, how do you find balance? Start by preventing or eliminating stress that is unnecessary. 1. Manage Expectations. Are others clear about what you expect of them? Whether they are vendors, subordinates, or committee members, make sure they understand exactly what you want, and when and how you would like it completed. This will prevent misunderstandings for you as well as the other person. 2municate Effectively. Many problems arise due to a lack of or ineffective communication. Don’t focus solely on your verbal and written communication though. Listening is a lost art for most, and one that can stand to be improved. No matter what your position is, strong communication skills are essential. 3. Let go of control. Are you someone who thinks that no one else can perform even the simplest of tasks as well as you can? If so, you could eliminate a lot of stress by simply learning to let go. Many companies reorganized departments into teams several years ago, because they realized that it is a more efficient and effective way to do business. It’s not necessary for one person to perform all tasks related to his or her job. In fact, you are more effective when you concentrate on what you do best and let someone else take care of the rest. 4. Steer Clear of Procrastination. Staying on top of things will reduce stress when the unexpected occurs. Procrastination often rears its ugly head when you are faced with a task you would rather not do. Instead of putting it off, determine if it would be appropriate to delegate the project or a portion of it to someone else. If not, get it out of the way first. 5. Take regular vacation time. They give it to you for a reason. Some companies even require you to take time off. It gives you time to unwind, gain a new perspective, and become more focused. People who work too many hours without a break find themselves more prone to illness. It’s your body’s way of telling you that you need to rest. 6. Address problems as they arise. Don’t push issues to the back-burner because you don’t want to face them. Confront problems as they arise in order to avoid stress from building up and unleashing itself at an inappropriate time. 7. You can say ‘NO’. Many people have difficulty saying no. However, you cannot take on every project, task, and role that gets cast off on you. For projects outside your scope of responsibility, consider whether it will help you achieve your career goals. If not, politely decline the offer and move on to something that will.

Seo book the new internet marketing bible

Aaron Matthew Wall, author of SEO Book: A New Chapter Every Day, offers his reader much more than they’ll find in any other Internet Marketing book on the market. Believe me, I’ve read more books on SEO than I care to admit. But they all left me unchallenged, insulted and disappointed. But Wall’s book is the most comprehensive, clear and knowledgeable book I’ve found or read to date. Wall admits: “There are many guides to how and where to start on the web, most of them are laced with affiliate links and bogus recommendations. The goal of this guide is what I had wished I read when I jumped on the web a few years ago.” Meticulously written and researched, SEO Book is 290 pages of easy-to-read, solid industry guidance for anyone who wants to make sense of the mesmerizing and exciting world of search engine optimization. The truth is, most authors out to sell an ebook on SEO are looking for instant wealth. One book in particular pushes its own affiliate program so hard throughout the text that its no wonder this ebook, or shall I say sales pitch, is top ranked on the search engines. If you’re looking for real knowledge and practical search engine optimization solutions, SEO Book is your answer. In his book, Wall explains the value of proper SEO campaign planning, development and launch, helping you avoid the costly drain of paid Internet advertising. He also explores the dangers inherent in using search engine optimization in overly manipulative ways, which only leads to blocking from top-ranking search engines all-together. Wall offers step-by-step guidance on building a powerful website to achieve optimal organic, or non-paid, rankings and how to develop your own successful web-based business. This book even covers the value of blogs and content management systems, plus advanced topics like usability, scripting, hacks and web design standards, subjects most other Internet Marketing books can’t and won’t touch, as they’re typically written by people who lack a passion for and solid knowledge in Internet Marketing. The depth and diversity of information covered in Wall’s book makes it an ideal top-to-bottom read or reference guide for the neophyte, beginner, professional and Internet or bricks-and-mortar entrepreneur looking to gain traction on the web. With enough dedication and commitment, the reader should be able to save a lot of money on SEO Consulting services in the end. This alone, added to the traffic and sales achievable using his techniques, can cover the price of the book and more.

Genes and weight loss pills

Ever wonder why people try to lose weight by dieting and weight training and only see minimal results? What are they doing wrong? Medical specialists believe that genes play a major factor in this losing weight. These specialists believe that genes determine one's body type. Some body types contain more body fat than others and vice-versa. They believe that everyone has inherited and specific body types. Body types have been categorized into three basic categories: ectomorph, mesomorph, and endomorph. Body types elaborated The ectomorph body is tall and thin. This body can be distinguished by light bones and small muscles. Studies show ectomorphs encounter difficulty gaining weight and body mass no matter how hard they train or even if they eat the right food. Some see it as a blessing, others see it as a disadvantage. Other noticeable physical qualities of an ectomorph include a slightly built body, flat chest, and small shoulders. People with this kind of body usually have low body fat. These people may experience difficulty in terms of weight gain and muscle development. The endomorph body, on the other hand, is round and soft. People with this body type carry more fat in their body. Their body weight and body fat refuse to drop no matter how hard they exercise and diet, which can be attributed to metabolic problems. According to researchers, endomorphs produce too much insulin as they metabolize carbohydrates. When this happens, fat storage is increased and difficulty in losing existing fat occurs. This is the reason why weight loss is extremely difficult for endomorphs. These people may take prescription weight loss pills and still notice minimal or no weight loss at all. The mesomorph body is generally muscular and short. The mesomorph possess toned muscles and huge bones. Specialists believe that people with this kind of body tend to develop muscle mass when they do strength training because of high muscle growth rate and high proportion of muscle growth tissue. The best weight loss pills may fail Healths specialists claim that no matter how hard people workout, eat the right kind of food, or seek medication some people may never lose their flabs. When people seriously and earnestly try to lose weight yet still fail, it may be their genetics that is working against them. They may even take diet pills and fail. For some people, being fat is just a “genetic fact” of life. It is important to understand that one's weight and body fat percentage is not necessarily the measure of one's health. Poor diet and lack of exercise may be the more serious causes of health problems rather than the mere presence of flab.

Recovery word files

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Mexican auto insurance full coverage or liability only coverage which is best for me

Learn the difference between "Full" Coverage and "Liability Only" Mexican Auto Insurance. "Liability Only" Mexican Auto Insurance: "Liability Only" Coverage meets the minimum liability requirements of the Mexican government. It means Legal liability deemed to be caused by you for injuries or death of persons (bodily injury) not in your vehicle, property damage deemed to have been caused by your vehicle, and medical expenses for you or other persons within your vehicle caused by a covered loss. "Full" Coverage Mexican Car Insurance : "FULL" Coverage means"Liability Only" Coverage and in addition, coverage for Physical Damage to your vehicle and Total Theft of your vehicle. It protects your vehicle for total theft, collision, turnover, fire, lightning, explosion, and meteorological phenomenon such as windstorms, cyclones, hurricanes and earthquakes. Partial theft and acts of vandalism are excluded except by purchasing Broader Coverage. Towing expenses are covered in order to move the vehicle to a place designated by the company for repairs. Tip Number 1: If you drive an older car, you might save money by purchasing "Liability Only" Protection. Check with your U. S. Insurance Provider to find out if they provide any protection for your vehicle within Mexico. Just be careful as most exclude Physical Damage & Theft, and some include it for only a few miles along the border areas into Mexico. Tip Number 2: If your vehicle has some value, it's a good idea to purchase "Full Coverage". Keep in mind however that Mexico Insurers require that you have valid "Full Coverage" on your US or Canada policy in order for you to be eligible to purchase "Full Coverage" while driving in Mexico. Some “Full Coverage” Packages include coverage for partial vandalism and also increased medical payments coverage if you are injured by an uninsured motorist. It is usually worth the small increase in premium to get these two options.

A good squeeze is hard to find

Lead capture pages or "squeeze" pages are the best tools to use in a traffic exchange. That way, you can collect names and email addresses for your "list" of potential customers. You know the saying--"The Money Is In the List." But, do you know how to build a squeeze page? A “please sign up,” and a fill-in form won’t get you many (if any) sign-ups. Here are some hints: First, you need to intrigue viewers to get their information. If you’re offering a free newsletter, the best thing to do is to give readers a sample of what they might find inside. For my newsletter, OVMarketing One-Tip News, I offer a tidbit of advice, such as using your picture to brand your business or another teaser about what people might find once they subscribe. If you don’t have a newsletter to offer, you may be offering a short marketing course or a course on pet care. It really doesn’t matter what you offer, as long as you’re offering something of quality. You can even buy autoresponder messages now. You can also find tons of stuff out there to give away. Various programs provide a clearinghouse of sorts, where product owners allow their products to be downloaded in exchange for coveted names and email addresses. Of course, before you give an ebook or product away be sure you have permission from the author to do that. You’ll find that information within the ebook or product or in a separate file that accompanies your download. Using something without permission is plagiarism and could result in legal problems for you. Once you have something of value to offer and permission to distribute, then you’ll need a good autoresponder. These services offer a system that will not only store your “list” of names, email addresses, and other information. They send a confirmation message to the person who signs up, which the enlistee must verify. This provides you with what’s known as a “double opt-in.” (The first opt-in is signing up, and the verification is the second.) Having this verification assures that you can never be accused of spamming, which is a truly obnoxious practice that can get you booted from your ISP. Just don’t do it. In the United States, it’s now against the law. Your autoresponder will also provide the code you need to make the sign-up form. You give it some basic information, such as what fields you want to acquire and then, an HTML code will be provided, which you have to add to your splash page. Usually you’ll want to do this at the bottom of the page. But directly before the code, you’ll need to type in a disclaimer. It will be your privacy statement and you can make it as simple as you like: “Your information will not be sold, rented, or given to anyone for any reason.” And then, live by it. This is very important. Your privacy statement could encourage potential clients to sign up by giving them a bit of added security. So, you have the autoresponder, your client has double opted-in, and now you want to welcome them. You need to set up your autoresponder’s first message. In it, thank your potential customer and welcome them to the newsletter or thank them and give them a link through which they can download your book, software, etc. For a newsletter or e-course, you’ll need to set up subsequent messages, too, and let the autoresponder know at what interval you’d like the messages sent. You’re set! Now, you can forget about it and just continue to build your list in the exchanges and anywhere else you advertise. Don’t expect your list to grow overnight. If you’re getting 25 names a week to add to it, you’re doing well. Just keep showing the page, brand it with your image or logo, and folks will get used to seeing your page. The more folks that see your page, the better they come to trust you and the quicker they will sign up. But once you have a list, don’t abuse it. If you do, you won’t have that list for long. Don’t spam members everyday with the newest, best product you’ve ever seen, or even every week. I tend to feel used when people do that, and you probably do, too. If you are offering a newsletter, perhaps you can put the item you’re pushing into your signature file or even better, a P. S. (Folks usually read those.) But never betray people’s trust by shoving stuff into your newsletter that doesn’t belong. If the service or product is not relevant to what you’re writing about, don’t even think about using it. Be kind to your list and your list will be kind to you.

How to save money on a holiday

In the past we had to rely to a large extent on the services of a travel agent when planning and booking a holiday. This was particularly true if planning a trip abroad. However with internet sites and easy communication via email, it is possible to research and organise your holiday plans online using separate providers for accommodation, travel, insurance and so on. This freedom to shop around takes time but will save you money. Accommodation The greatest expense on holiday is likely to be the accommodation and travel. Accommodation at home and abroad can now often be booked direct with the owner. Thanks to the internet, owners do not have to rely on advertising through large companies, so prices are not inflated by agent’s fees. Of course some owners do not want to deal direct with customers and still use agents. You can often find small companies local to your chosen destination. They have fewer overheads so prices are lower and you can also benefit from their detailed knowledge of their properties and the area. Travel The increasing number of no frills budget airlines have, of course, made a big difference to many travel plans. Look out for offers online and in the media, particularly for off peak periods. If you are travelling to Europe then you may want to take your own car. Ferry crossings can seem expensive at first sight but remember the price quoted usually includes several passengers and you won’t have to think about a hire car. Short crossings and the Channel Tunnel are cheaper but may involve more driving, depending on your holiday destination. Travel insurance costs Never try and save money by ignoring travel insurance completely. This could end up becoming a costly mistake if you have to cancel, need medical attention abroad, or a breakdown service. However, you do not have to use the policy offered by the travel company. Shop around for an independent deal from another source. Online comparison sites make this an easy process. If you are a frequent traveller you can save money by buying an extended travel insurance package. This works like a season ticket so you will be covered however often you travel during the agreed period. Try to be flexible If you are flexible with dates and locations it is possible to find very good last minute deals. There are websites which specialise in assisting with this. However, if you have to, or wish to, plan ahead then if at all possible avoid peak holiday periods. This will immediately give you huge savings. Of course many people are tied to school holidays when prices are inflated but there are still things you can do to cut costs. Try to find accommodation with flexible change over days so that you can choose a ferry or flight mid week rather than the more expensive weekend options. Look out for reduced rates for children and book direct with the owner if possible. How about trying something completely different? You may be used to all inclusive hotel holidays but self-catering does not have to be a chore. If you stay in a cottage, gite or apartment you do not have to produce elaborate meals. Take the opportunity to browse at local markets for fresh produce or make the most of the weather and barbecue. Shopping and preparing simple food can easily become part of the fun. Most children love the freedom of camping and many sites now have excellent facilities. Luxury ready erected tents and mobile homes are available and if you book direct with the campsite it will be cheaper than using a large company. When you are on holiday So what about once you have arrived at you destination? Although you may wish to have the freedom to travel around, it is worth booking at least some accommodation ahead. It is likely to be cheaper this way and will save you having to accept an overpriced hotel simply because you cannot find anything else when you arrive. Similarly if you know you want to hire a car don’t wait until you arrive at the airport to organise a deal. There are many guide books available which are aimed at particular groups such as students. However, these can be useful information sources for anyone on a budget as they offer advice on good value accommodation, restaurants, and places to visit. Choose a destination where you know the cost of living is reasonable and check the exchange rate is favourable. Beware of high commission rates and make sure you are not paying more than necessary. Make sure you don’t become a victim of fraud by keeping your credit cards safe. Take necessary telephone contacts with you in case they should get lost or stolen and need to be cancelled. And finally …. Whether you take an annual fortnight, opt for a number of short breaks, or you are looking forward to the long haul trip of a lifetime, holiday planning should be fun. The end result will be well worth the time invested in planning.

Poker betting limit how to pick one 4 u

: Before you head for the nearest empty chair at an open poker table, hold on. There is one very important factor that you must check and verify before you start playing. What? Check the betting limit of that particular table. Why? This is what determines the professional skills of the poker players you will face and will also help you calculate approximately how much cash you need for this particular round of betting. For the Casual Poker Fan: You should try and begin by selecting a table with a low limit. Here, you will enjoy the relatively casual ambience and friendly opponents, who will not have a lot of experience playing and thus you stand a fair chance of winning. The slight problem with such games is that such kinds of tables are difficult to locate. In addition, those playing at such tables tend to play in a very conservative manner and this slows down the flow of the game. If you are still interested in looking for such tables you will be able to find them at the downtown casinos and gambling halls or at poker rooms not located on the Las Vegas strip itself such as the Palace Station. Wish to Play Texas Holdem Instead? Here too, select the lower limit games such as the 4/8 version. In this game, you will be allowed to increase only by four dollars and hence the name. Then, when you come to the last two betting rounds, you will have to double it to eight dollars. Likewise, you can also find the following limits: two and then four, three and then six, four and then eight, eight and then sixteen, fifteen and then thirty, thirty and then sixty and the last one which is pretty different to find (and which unless you are prepared to dish out large sums, you should avoid.) forty and then eight during the last two rounds of betting. How Many Chips Should You Purchase In Such Games? What you can do is multiply the end limit by about twenty and then make sure you have that amount. For example, if you wanted to join a table where the limit is two and then four. Multiply four into twenty and you get eighty. So, this is the sum of chips you must bring in to the game by buying them from the cash counters in the casino. Another option is playing Texas holdem with no limits whatsoever, but beware. Such games pull pros and then you will find yourself at a big disadvantage. For the Experienced Poker Player: Most pros prefer playing Texas holdem than other poker games. And such professionals opt for games with no limit or that have a high limit of at least fifteen dollars. Beware, these tables (You can find them in the top casinos such as the Bellagio and others on the strip.) are places where you can lose hundreds of dollars in minutes so unless you are aware of this or unless you want to swim with the sharks because you consider yourself a shark too, stay away. Conclusion: Note that sometimes the tables might be occupied and it might take you a while to get a seat. Remember that this is not an online casino where tables are always open. Have patience and wait and do not leave and just join a higher or lower limit table than the one you have decided on. Remember that the outcome of your casino experience depends on this decision.

Legitimate home based business opportunity the five w s to making your choice

If you recall back in your elementary English class, your teacher told you about the five W's: who, what, when, where, and why. These same words can be helpful in assisting you in finding which area of a legitimate home based business opportunity you wish to pursue and what is required to begin your home based business. Following these simple tips provided here can make the home based business journey much smoother and less difficult. Why The first thing is knowing why you want to pursue a legitimate home based business opportunity. Is it all about the money? Do you want to make more money and direct your income towards yourself with plans of quitting your job? Perhaps you're interested in creating free time in order to be closer to your family and friends. Have you suffered a disability or some type of acute illness that you're unable to go back and forth to work? These questions can guide you towards a deeper understanding of what is your driving force in this career preference. You simply don't jump across a gorge for the sake of jumping. Often it's because you need to get to the other side. Realizing why you are looking for a legitimate home based business opportunity creates focus. Where This area of questioning may sound silly as you are looking for a legitimate HOME BASED business opportunity, but do you plan to travel to clients/customers for any area of your business. Are you planning to set up a certain radius to meet or serve clients/customers in? Or are your plans to reach a worldwide audience? Taking the avenue of the internet certainly helps you to do so. This is ever so vital in setting up and running your legitimate home based business opportunity. Who In your legitimate home based business opportunity, who are your products/services for? Children, men, women, families, and businesses are all possible target audiences. Make sure you ask who in order to research on your audience in your location. Is there a large base of your target audience in a remote, general or worldwide location? If your legitimate home based business opportunity utilizes the web then your target audience actually is all of the above. This is key in marketing and sales. Which Which area of a legitimate home based business opportunity interests you the most? Do you enjoy creating a product by hand or is it the actual marketing and sales of the product? Some areas of business are enjoyable and that's where you'll blossom. Then some create struggle. Knowing your strengths and weaknesses can help you to get ready for the good and bad of running your legitimate home based business opportunity. What What type of legitimate home based business opportunity do you want to be apart of? Do you want to be in wholesale? Do you want to be apart of e-commerce? Would you like to offer services such as tutoring or sewing? Affiliate marketing has really grown into a great way to get involved with a legitimate home based business opportunity. Narrow your choices and find what you truly want to do within your home based business. These five areas are simple, but make a huge impact on your legitimate home based business opportunity set up. The answers guide you to make the most appropriate business choices that will end in satisfaction as well as success. If you start selling car parts online and you hate even changing your own oil how satisfied will you be doing this everyday? When you make a change to a legitimate home based business opportunity you must ensure that you know your why, know your goal, and know what you enjoy. That will make your choice to run a legitimate home based business opportunity worthwhile and long lasting.

Planning a visit to spain

One thing you should be prepared for when visiting Barcelona for the first time is that you will have to go back again. You will never be able to cram all the sights and activities into one trip, and you will be left wanting to know more about this very special area. So relax, enjoy what you can do this time and keep in mind those activities that you will want to try next time. For art lovers, one of the must visit buildings is the museum dedicated entirely to Picasso. This is housed in a medieval mansion, and contains over three thousand pieces, the most important collection of his work in Spain today. The museum allows you to travel through the various phases of Picasso’s work, from Malaga, his home town, to Paris, then Russia, and finally to Barcelona. Not surprisingly the main focus of the exhibition is on his Barcelona phase. The old town of Barcelona, or Ciutat Vella, is right on the harbor of Barcelona. It is made up of the gothic sector, or Barri Gotic, which houses a fascinating cathedral, the Ribera area and the harbor area or Port Vell. To find the old town you just need to take a stroll down the main avenue on Barcelona, the flower stall lined La Rambla. As you walk towards the sea you will see a towering monument, topped by the figure of Christopher Columbus, which sits at one corner of the old town. On the opposite side or east, the old town is bordered by the Parc de la Ciutadella which houses a monumental waterfall or cascada. A sight not to be missed for many football fans is the Nou Camp stadium. If you have chance to go to a game this will beat a simple sightseeing tour as you will be able to experience the unique atmosphere of one of the most famous stadiums in the world, home to Barcelona’s football team, usually known as Barca. Football season is September to May and you need to be sure to book your tickets well in advance. If you have had enough of culture, history and shopping in the city centre, you can hit one of the fabulous beaches along the Costa Brava and Costa Dorada. The coast line is well maintained, with clean Mediterranean waters perfect for a refreshing dip. Accommodation along this coast includes a wide variety of resort style hotels, beach front chalets, and self catering apartments to rent. Barcelona has something for everyone. Whether you are looking for a relaxing beach holiday, a sightseeing weekend, a romantic honeymoon or somewhere to relax for the whole summer, you will find it all on this beautiful part of Spain.

Tips for promoting your home business idea or opportunity

By Jimmie Sypolt From the beginning of commerce, businesses have been promoting the ideas and products of other businesses as a way to make their own business a successful one. For example, you may see that a real-estate company may promote a particular lawyer in order to close a sale while that lawyer will also promote that real estate company in his firm. Everyone has heard of the barter system and may have thought that this system is outdated and is not used anymore. However, with modern technology, the barter system is still alive. People still trade services and items rather than using money. The business of Internet marketing is proof that the barter system is still alive. In the Internet Marketing world, we call this new form of the barter system, cross promoting. This system is in place to trade of advertising space. Advertising companies in the past have charged top dollar for premium advertising space on the most prominent bill boards or a radio station that has millions of listeners. Now, with the availability of the Internet, instead of paying for advertising space in this way, you would place the ad for your own home based business idea or opportunity on another website while the other website places their ad on your website. Cross promoting can be done in many ways and can be a very cost effective way for you to advertise your Internet business. Reciprocal linking is one major way that webmasters help each other to advertise their products, services and opportunities. Exchanging links with other similar websites as your own, is a very effective, but you should also be aware of who your direct competition is and avoid promoting products and services that are exactly the same as yours. One of the best things about exchanging links, or ads, with other similar websites is that each website benefits from becoming more popular in the eyes of the search engines. Search engines look at the number of links into a website from other websites throughout the Internet and determine the importance of each website based on these factors. For example, if you are able to exchange links with another website that has a higher search engine ranking than your own, you will benefit greatly from the popularity of that website. Therefore, reciprocal linking to a more popular site, can not only help increase your advertising ability and website traffic, but will also increase the popularity of your own website by being rated higher in search engine rankings. Reciprocal linking leads into more opportunities to promote more of your ideas to your customers, or even potential customers, when they subscribe to your ezine, or newsletter. When you get a subscription to your publication, you can now use this as an opportunity to use cross promote your other ideas and opportunities.

Affiliate marketing

Affiliate Marketing is one of the hottest subjects on the Internet today. Some people think that it is hard to make money this way, others say it is very easy. My opinion is that there is money to be made in almost any kind of industry. You must just find a way to simplify your work and profit more from your efforts. So, the point is to use leverage, lots and lots of leverage. Bellow I will briefly explain how to do all of this. For those who don’t know, affiliate marketing is the kind of business in which you sell other people’s products and/or services in exchange for a fraction of the profits. So, if you are an affiliate you don’t have to create anything. You don’t have to own products or services. All you do is to advertise. You may think that advertising is expensive. I affirm that it could be, if you choose to pay for it. In the other hand, if you choose to advertise for free and you know how to do it, it won’t cost you a red cent. There are many marketing techniques out there that you can implement in your business life which will help you boast your exposure and increase your profits. Then, how much money can you make? You can make a lot of money. The good thing about it is that you don’t have to deal with anybody as an affiliate. The owners of the products do all the customer service, deal with the refunds and process the payments. As I said above, all you do is to advertise. So, you are making piles of cash from products and services that you didn’t create and that you don’t own. You may ask, yes but exactly how much can I earn? Some affiliate programs pay as little as just 10% of the sales price. Others pay as much as 75%. Then, imagine that you join this affiliate program which is paying you 50% for every sale you generate. If you are selling a product that is retailing for $50, then you will make $25 per sale. If you sell one hundred products in one month, you will make $2,500/month. Now, you may be thinking . . . Yeah right! I don’t like to sell anything. I am not a marketer. This is not for me. Let me tell you that you are not the one who will be directly selling. The point is as I mentioned above, to use a lot of leverage. How does this work? What is leverage? Leverage is literally any system, tool or process that helps you magnify your efforts. I explain in my book Easy Web Riches, how you can use many different techniques that allow you to profit from this business easily. Basically the point is that the Internet will take care of most of the work involved. I cover a wide variety of strategies you can use to expand your knowledge and increase your profits. By following simple rules you will see how much money you can make. In my opinion, those who think that making money as an affiliate is hard, think so because they haven’t tried it yet or because they lack the knowledge necessary to succeed in this business. Once you know how to do it and how to benefit from leverage, it becomes very simple. This is one of the easiest and fastest ways you can start earning substantial income from home. Think about it. You won’t only earn automatic income, but also residual income. I mean, on this business like many others home based online businesses, you make an effort once and you profit thousands of times. What attracts most people to affiliate marketing is that it goes to the next level of financial freedom, in which you don’t only profit from products that you didn’t even create, but you don’t have to deal with the clients either! Copyright © 2005 - EasyWebRiches

Fly lures

Part of the fly fishing or sport fishing is the lure. A lure is also called a “Fly” or “pattern” as its technical name. A lure can be anything with feathers, fur, ribbon, beads and other sorts of artificial materials tied to the hook. A fly lure’s main purpose is to attract or imitate a target species. The materials used for a lure are made in a sense so they can appear as real-life insects in water. There are several types of fly lure. There are even some recommended by fly fishing experts because of the general appearance in water but in many cases, these fly lures have different characteristics in the water so it really depends on your own purpose. Crankbaits has the ability to behave much like “bird dogs” in fish hunting. In using crankbaits, expect for it to plunge in to the water and dive deeper compared to other lures. So if you’re in for deeper water fishing, crankbaits are the best choice. Don’t forget to use long rods though; rods between 6.5 to 7 feet are ideal. Next is called the Jigging spoons or also known as the “structure lures”. This type of lure is most often used by experienced fishers. Its main characteristic can be used best when fishing for species in deep waters with unstable temperatures. The spinnerbaits is the most ideal type of lure for any kind of fishing. You need not worry about the type of rod or line or even cover if you want to use spinnerbaits. Also, spinnerbaits can be used at any time of the year regardless of the type of weather and water. Of course, for clear water fishing, there is the lure called Tube jigs. Fish living in clear water are inactive but tube jigs behave much like drop bait so experts recommend this lure to use. And last but not the least of recommended fishing lures are called the Vibrating lures. These lures are either made of plastic or metal and they tend to sink fast in deep waters. When you get a catch, pulling back the line in with this lure on it gives off a vibrating effect, thus the name it’s given.

Breaking the chains

Everyday, customers and business owners are bombarded with billboards, logos, print and electronic ads from huge corporations. With annual ad budgets that are more than our businesses' SALES in an entire year, our small independent businesses are getting squeezed out of consumers minds (and wallets) more and more each year. But the good news is, there are ways to fight back and “break the chains”: Build that website and perfect your online presence. The Internet is one place where, compared to print and other forms of electronic media, the playing field is relatively level. A website filled with loads of great content will be loved by the search engines like Google and Yahoo!, and because of that, customers that may not even know where you are can find you and buy online. If you own a retail store, start an e-store. If you own a restaurant or a service-related business, offer a gift certificate or printable coupon. Starting a mailing list on your website with the latest news, events and special offers is a great way to get (and keep) loyal, regular customers. The options are endless, and best of all, content is the Internet king, not slick, flashy, repetitive advertising. If you aren't comfortable with all things Internet, there are many companies that are, and can help you with web design, web hosting, search engine optimization, and web marketing. Join (or start) a co-op or business association. “Strength in Numbers” is more than a catchy phrase, it is becoming a necessity in our current business climate. Trade organizations can purchase products together to get better rates and buys, they can advertise together with direct mail coupons and newsletters (another big money saver), and they carry more political clout by appointing representatives to call on state legislatures or even Congress in order to promote legislation favorable to small independent businesses. If your area doesn't have a trade organization, or does but you feel it doesn't meet your needs, start one! The National Federation of Independent Business is a great resource with representatives in all fifty states and Washington D. C. Don't mimic Corporate America Advertising is not cheap, because the prices that the large corporations are willing to pay for it have priced it out of the reach of most small businesses. This is not necessarily a bad thing; let them have all of the cold, impersonal, beat you over the head repetitive advertising! People only care about this on Super Bowl Sunday anyway! Always go for the personal touch. If you own a restaurant or retail store, introduce yourself. Let them know you appreciate them coming by, and you can't wait to see them again. Always offer coupons or incentives, and be as unique, creative and memorable as you possibly can. Remember that “word of mouth” advertising is so great you can't put a price tag on it. Put yourself in the customers shoes, and stay there! Don't ever do what you want; do what they want. Don't just market your business, market yourself. It leaves an impression, and with the sorry state of customer service today in most (chain) businesses, people won't forget it! Remember, you are an independent business because you wanted to do something new or different, so promote yourself accordingly. Here's to you “breaking the chains” and becoming successful with your chosen endeavor.

Who is alexa and what does she have to do with me

Traffic is the most important thing to any web based entrepreneur. And Alexa pretty much has a monopoly on that data. Ignore her at your own peril. Alexa reminds the Computer Man Website Design Team of the teaching of Jesus Christ speaking of the rulers and powers of His time as recorded in the Holy Bible, Matthew 23:4, New American Standard Bible, "They tie up heavy burdens and lay them on men's shoulders, but they themselves are unwilling to move them with so much as a finger". Sure sounds like the few who control internet content to the old Tennessee Mountain Man. Want to get an Alexa ranking that matters for your website? You should because all other directories, indexes and search engines stop by their website to see who you are and whether or not you are a mover and shaker in your internet niche. Alexa may well be the world wide web's Dunn and Bradstreet. If you know anything about business, business finances, the Better Business Bureau or the Chamber of Commerce or have had to deal with your broker or banker on business matters you know the importance and the drill. Sounds daunting, doesn't it? Sure it does, and what makes it worse is Alexa's hypocrisy. Like the credit bureaus, Alexa collects, keeps and reports information about you and your website, but it keeps no data on its' own traffic. The first question asked by your prospective partners, marketers, and promoters is what is your Dunn and Bradstreet... oops sorry, Alexa rating. Alexa, located at the Presidio of San Francisco, CA, was founded in 1996 by Brewster Kahle and Bruce Gilliat. It offered a toolbar that gave Internet users guidance on where to go next, based on the traffic patterns of its user community. Say what? Yes, this cousin of Big Brother thinks it knows better what you want or need than you do. And, they select who best provides that for you. Based on what? Based on their user traffic. Who do they think they are, and how do I become a part of this crucial community of the web elite? They are the people who offer context for each site visited: to whom it was registered, how many pages it had, how many other sites pointed to it, and how frequently it is updated. Engineers at Alexa, in cooperation with the Internet Archive, created the Internet Archive's Wayback Machine. The nonprofit organization established to preserve Web sites by taking regular "snapshots". The Wayback Machine provides links to older versions of a webpage. Alexa also supplies the Internet Archive with web crawls. Amazon dot com acquired Alexa in 1999 for approximately $250 million in Amazon stock. Alexa entered a partnership with Google in 2002, and with the Open Directory Project about a year later in 2003. Live Search replaced Google as their provider of search results in the summer of 2006. Then in the autumn of that same year they began using their own Search Platform. Then in December they released Alexa Image Search. Built in-house, it is the first major application to be built on their Web Platform. Today, Alexa is primarily a search engine, an Open Directory based web directory, and a general supplier of site information to all suitors. In late 2005, Alexa opened its extensive search index and web-crawling facilities to third party programs through a comprehensive set of web services and APIs. These could be used, for instance, to construct vertical search engines that could run on Alexa's own servers or elsewhere. Unique to the internet, Alexa's Web Search Platform gives developers access to their raw crawl data reinforcing their comparison with Dunn and Bradstreet. Alexa, like every other web based endeavor feeling the bandwidth pinch changed their API to require comparisons be limited to 3 sites, reduced size embedded graphs be shown using Flash, and mandatory embedded BritePic ads in the early summer of 2007. So who is Alexa and what does she have to do with me? Alexa is the ultimate remote helpdesk. Accessible only as a self help desk, she is the real gatekeeper. Her stats help determine your Google Page Rank, and Firefox's About This Site are all Alexa metadata. Everyone else also pretty much reports what is in her data base. You know those stats you depend so much on? Irrespective of who supplies them to you... chances are they got them from Alexa. To join the club browse to Alexa dot com and follow the webmaster instructions. Don't forget the Alexa Tool Bar! It matters! Alexa averages your raw traffic over a three month period to determine your traffic flow and where you rate. Under 100,000 visitors a month over any consecutive three month period and you drop off the radar.

Adhd after school

Most forward-thinking teachers and instructors understand how to meet the special needs of children with ADHD. Unfortunately, many parents don't. ADHD is an acronym for Attention Deficit Hyperactivity Disorder. Children with ADHD struggle with attention problems, as well as hyperactivity. Teachers are trained to help ADHD kids deal with their personal obstacles and meet their learning potential. However, parents can often find it difficult to keep children safely occupied after school hours. If your child has ADHD, the first step to choosing the right after school activity is to understand how he or she is affected by the condition. If your child is interested in sports, you need to know if he or she is put off by fierce competitiveness, or is overly competitive. Is it easy for your child to get along with teammates? Does your child vocalize emotions, or is communication a problem? Physical exercise is beneficial to all children, and perhaps more so for children with ADHD. Exercise can use up the extra energy and help stimulate the brain. Team activities offer kids to learn valuable social skills and discipline. If your child shies away from team sports, you may want to look at activities like swimming, dancing, cycling or gymnastics. Martial arts are a great alternative, as they teach self-defense techniques along with discipline, patience and self-control. Some kids tend to gravitate towards fine arts rather than athletics. There are wonderful after school opportunities for artistic kids with ADHD. Acting or improv classes provide a great form of creative expression and exercise. Drama classes can also provide the child with ample opportunity to develop social skills. Music, art or dance can help a child with ADHD keep busy and entertained, while providing a valuable sense of self-worth and accomplishment. Scouting is another good after-school option. Girl Scouts, Boy Scouts and other community-oriented clubs teach children social skills and personal values. Like all children, kids with ADHD love to take part in special interest projects, and help with community efforts like park clean-up projects. Whatever after school program you choose, be sure to monitor your child's progress periodically. Ask your child's coach, instructor or counselor for help in assessing your child's development. If you feel that he or she is not benefiting from the program, you may need to consider changing the activity. Any after school program that increases your child's self-esteem is good, but certain activities may be detrimental to the development of a child suffering from ADHD. Excessive television use should be avoided, as well as certain computer and video games. These activities involve no interaction and can leave your child feeling more all the more isolated. Kids with ADHD can sometimes find it difficult to distinguish between good and the bad messages, so they may be inclined to exhibit inappropriate actions or act out contrary messages. On the other hand, group activities that require a child to sit and wait patiently for his or her turn might not be a success. Children with ADHD are normal kids facing above average challenges. It is important to allow them to take part with their peers in regular after school programs. Take the time to review options with your child, and choose after school activities that are fulfilling, challenging and above all, rewarding.