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WoW Cooking Guide
Oct 17th
My favorite online game to play is WoW (World of Warcraft) and that is why I am writing this short WoW cooking guide article. I am going to show you a brief overview of the cooking skill in the game WoW. When I say WoW I am referring to the MMORPG World of Warcraft and that is how I will be referring it through out this article.
OK the first thing you will have to do to start cooking in WoW is to visit a cooking trainer to learn the skill. Most of the major cities in the game have cooking trainers and you can get directions to them by asking a guard in the city. Once you find the trainer you will want to learn the apprentice cooking skill and all the recipes you can learn at the moment. You will also want to learn the skill to build a fire so you can cook just about any where you want. This can come in handy if you are out farming material to cook with and are not near a fire source to cook with. You will need to carry a flint and tender and some simple wood in your inventory to build a fire after you learn the skill.
OK now that you have learned all your skills you can buy some ingredients from a cooking supplies vendor and you should be ready to start cooking. You can also buy the flint and tender and the simple wood to build your own fire from the cooking supplies vendor. Just remember that when you reach certain levels you will be able to learn new recipes and you will have to visit the cooking trainer to learn these new recipes.
To gain skill points you will need to make items that you can cook and this will raise your skill points. You can see these items by opening your cooking interface and the cooking icon to do this should be in your spell book. When you open this interface you will notice some things are color coded with orange, yellow, green, or maybe even gray. As you cook items these will change as your skill level goes up. You will want to try and cook items that are colored orange to guarantee skill points that way will gain a point for each item cooked. If you cook items that are yellow or green you are not guaranteed a skill point. If you cook items that are gray you will gain no skill points because your cooking skill level is to high for these items.
There is six different level classes in WoW cooking that you will have to gain as you progress. These different levels are attained by reaching certain skill levels in cooking. You will learn these levels from a cooking trainer once you reach these skill levels. Here is a brief over view of the different levels:
- 1-75 Apprentice (Visit trainer)
- 75-150 Journeyman (Visit trainer)
- 150-225 Expert (Purchase the book called Expert Cookbook from a NPC vendor)
- 225-300 Artisan (must complete quest)
- 300-375 Master (Purchase the book called Master Cookbook from NPC vendor in outlands)
- 375-450 Grand Master (Visit trainer in Northrend)
In order to learn the expert cooking skill you will need to purchase the Expert Cookbook. You can get this book in Shadowprey Village in Desolace (Horde) or at Silverwind Refuge in Ashenvale (Alliance). There should be a NPC vendor in these two areas to purchase it from.
In order to learn the artisan cooking skill you must complete some quests. The cooking trainer named Zamja in Ogrimmar (Horde) is where you should be able to start the quests. If you are alliance a NPC named Daryl Riknussun in Ironforge should be able to help. You will need a 225 Cooking skill to start the quests and a minimum player level of 35 to learn artisan cookin.
You can learn master cooking from a book sold by cooking trainers in Hellfire Peninsula. The horde can buy their book from a NPC named Baxter in Thrallmar. The alliance can get there book from Gaston in Honor Hold.
You can learn the grand master skill from cooking trainers in Northrend. Just visit your factions cooking trainer.
OK that is a quick over view of the cooking profession in the game wow. I hope this wow cooking guide has helped you get a better understanding of the wow cooking profession. If you enjoyed this guide and would like more info on the wow cooking profession I recommend this site: Wow Cooking Guide
The cooking profession is a great way to make more gold in WOW so I would recommend leveling it up.
For more info visit here: Wow Cooking Guide And More
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Three Steps to Cooking Perfect Steak on Your Outdoor BBQ Grill
Oct 14th
If you’re like me, When you crank up that BBQ grill for the season it’s all about cooking perfect steak. I love all kinds of foods cooked on an outside bbq grill, but none says summer quite like that sweet smell of steak on the grill. For me, the results are always predictable and always pretty close to perfect. This is because I use the same process every time and I start with the end result in mind. So that’s my first tip: cooking perfect steak starts with identifying what that means to you and then learning about the basic cooking method so that you can navigate to that desired point. You’ll have to decide on the definition of perfection for yourself – that’s the fun part. But the next few paragraphs should help with the second part – learning the process and the basic cooking method that helps get you to your perfection.
It All Starts BEFORE Cooking Tenderloin!
For most carnivores, the beginning of the process towards steak nirvana is when you actually start cooking tenderloin. Unfortunately, this approach leaves out one of my best secrets for cooking perfect steak: start with the whole tenderloin. There are so many advantages to buying a whole tenderloin and breaking it down yourself. You can definitely save some money learning how to do this, and it is a lot easier than you think. When you buy the whole tenderloin, the first thing you have to do before cooking tenderloin is to remove the “chain”. The chain is the side muscle; it contains a lot of the fat and is great for use later in stews, chilis or even my favorite treat: Tenderloin Philly cheese steak. But that’s a whole other way for cooking tenderloin and beyond the scope of this article! Once you’ve removed the chain, you must remove the thick top end of the tenderloin – “the head”. This, too can be set aside and used later. What you are left with is a long tenderloin from which to cut your steaks. The most important thing to remember is to try to cut the steaks of consistent size by weight. Consistent size equals consistent cooking, which equals reliable cooking! Use a scale and aim for a consistent size somewhere between 3 and 5 oz per steak, depending on who you’re cooking for.
Do you Really Know How to Grill Beef?
If you believe most people, grilling takes no skill at all. It’s so much easier than cooking and anyone can do this with little advance planning or common knowledge. Right? This is actually one of my favorite cooking myths! Knowing correctly how to grill beef (or anything else) is essential to outdoor cooking success. Grilling is direct source conductive heat. Cooking is to grilling as driving is to flying a rocket ship. Everything happens quickly and intensely with grilling and that includes mistakes. So, let’s begin with the simple process:
- First, get the grill as hot as possible. Keep the lid down while heating the grill, but open when cooking. This is another common grilling mistake. If you close the lid while cooking, the method you are applying is similar to that of oven cooking. Why bother doing it outside on the grill?
- Brush the steak with olive oil and season with salt and pepper. You can use any other kind of seasoning or rub here, but I find that the true steak flavor comes from a good cut of meat and you don’t need anything else. You might have a different opinion so season as you see fit.
- Place the steak on the hot grill “show side” down – meaning the side you’d want to display on the plate goes down on the grill first.
- Now observe for signs of done-ness. When the steak is 75% done on one side, flip it over and cook the rest of the way.
Knowing how to grill beef is a simple process, but most people still go into it blindly. By following the steps, you will always be working towards cooking the perfect steak, rather than just cooking a steak until it has reached a safe to eat temperature and texture. The fine line of difference between acceptable and perfection make all of the difference, and with perfection so reliably reachable, why not aim high?
How Long Should the Meat Cook? Until It’s Done!
So, here we are. We always arrive at the same question. In travel, it’s: are we there yet?; and in cooking, it’s: how long should the meat cook?. Well, I have one answer to all of the how long questions: until it’s done. Yes, it really is that simple. Let the meat cook until it’s done. And now we get into the more interesting question: how do I know when it’s done? I often say that cooking is a journey – so you are a tourist, an observer on that journey. As you observe what happens to the steak during the cooking process, you will notice some predictable things happen. First, at 165 degrees, proteins coagulate. What you will see when this happens is that the steak will stiffen and shrink. You will see the sides of the tenderloin start to get brownish gray. At 320 degrees, the sugars caramelize. If you lift a side of the steak up slightly and look underneath, you will see the formation of grill marks to indicate this is happening. You will also begin to smell that nice, sweet, smell – telling you that you are cooking perfect steak and all is happening as it should. When the steak is 50-75% cooked on one side, it reaches what is termed in French culinary as “a point”. You will observe the juices start to bubble up to the red top. This indicates it is time to flip the steak, allowing it to finish its cooking on the other side. The last observation you will make to determine done-ness is the most quantitative because you will use a thermometer. Don’t cut open your steak to peer into the middle! Don’t stab at it with a fork! Both of these activities will release all of the juiciness you just worked so hard to achieve! 125-135 degrees is rare; 145-150 is medium and 160-165 is well done. So pick your temperature and remove the steak from the grill. But before serving it, let it rest for 5-10 minutes so that the juices can redistribute and run off onto the non-serving plate.
Just by understanding these simple facts about grilling, cooking perfect steak is almost a guaranteed result. Go ahead and get your own whole tenderloin today and get ready for some great outdoor eating!
Chef Todd Mohr is a classically trained chef, entrepreneur, cooking educator and founder of WebCookingClasses. You CAN learn to cook without written recipes by taking his FREE cooking class that will change the way you think about cooking forever!
Article Source:
http://EzineArticles.com/?expert=Todd_Mohr
Action Movies – Thrill And Adventure Unlimited
Oct 12th
Movies are one of the most invigorating and magnificent sources of entertainment. Cinema is a great means to experience the larger than life grandeur and unimaginable moments which we can seldom feel in our real lives. Whenever one gets bored then the movies are the best companion. It’s the finest method to amuse and entertain oneself with sheer delight. The young and the old, everybody is enticed by the movies. The films come in various genres catering to different tastes of the audiences. You would find mellowed and heart touching romantic stories, interesting science fiction, super natural fantasy movies and wonderful movies with social relevance. Everyone watches the movies that match their interest and preferences. While teenagers love romantic movies they also admire the high spirited and thriller packed action movies. The Action Movies are full of adventure and extravaganza. The best part of these movies is that they have wonderful & awe-inspiring moments that give spine-chilling experience to the users. There are various characters like Spiderman, Men-in-Black etc who have entertained the viewers with high adrenaline action.
The youths specially admire the thrilling movies with amazing stunts and thrilling actions. If you feel bored by watching the same run on the mill stories that are overloaded with melodrama and the voluptuous characters that seem to be weary and lackluster, then try watching the awesome action packed thriller movies. The adventurous young generation love to watch the movies that have high speed action with amazing stunts and fight sequences that have loads of action and thrill.
There have been a number of illustrative movies that have won great accolades and immense commends by both the critics and the viewers. The Matrix is one such movie that has depicted the wonderful fight sequences in an exceptionally unique manner. This movie has wonderful characters and amazing style which has been lately copied in a number of movies and tele-series later across the world. The movie has won many awards and recognitions world wide. It has also grabbed the prestigious Academy award for the best sound, best editing, and best visual effects. This movie showcased wonderful plots and awesome scenes that have become ageless marvels for the cinema.
Another action packed film that received more than ten academy award nominations and grabbed seven out of them is the Lawrence of Arabia. It got awards for the best film, best music and best director etc. David Leans directed this awesome movie that had superb drama sequences packed with action, scintillating cast and wonderful story line. The film had some of the finest performances of cinema with the breathtaking plots and mesmerizing scenes. The story of a British lieutenant really touched hearts of the viewers.
The Star Wars Trilogy is another magnificent film that has been immensely successful. It had some awe-inspiring moments filled with great special effects and wonderful graphics. The movie was extremely wonderful and won many recognitions and rewards worldwide. The movie has wonderful characters like Captain Han Solo, Luke Skywalker and princess Leia.
Another movie that is considered as one of the most popular Action Movies is The Lord of the Rings. This movie showcases the adventures and perils of the unrealistic world where amazing characters and dangerous situations create moments of awe and shock. The film has some of the best performances and astounding star cast. Created with a whopping $ 280 million budget, this movie is a fantastic work of art. The movie lovers consider this film as the most awe-inspiring and scintillating films of all times.
The films which are based on the backdrop of the New York City include Morning Glory, The French Connection, Falling in Love etc. These movies also depict great action sequences. The 300 is an impeccable piece of work in terms of wonderful action and astounding special effects. This film is really worth watching time and again. It is based in the much popular novel by Frank Miller.
Users can easily find the latest action movies on the various online portals at amazing costs.
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Engine Repair Tools: Essential Element for Your Car or Motorcycle Upkeep
Oct 8th
Are you planning a motorcycle road trip? Made all the travel arrangements – hotel booking, side seeing planning etc.! Have you made packing properly? Think again! Well, when you are planning a biking trip with your friends then make a complete list of all the supplies and the activities you are going to perform in your tour. Usually, in excitement we miss out some of the essentials. But you make a smart move and list out all your essentials like your clothes, eateries, accessories, motorcycle tools and have a joyful vacation. You must be thinking why tools. Let me tell you that more than anything else your safety is supreme. So, for that you require engine repair tools that can safeguard you against any mishap that might occur in your expedition.
Not only on these special events you require these vehicles but even in our day-to-day life these vehicles are very important part of our lives. Without them our life is just so meaningless and go standstill. For such important elements of our life, don’t we need special care tools? Indeed, engine repair tools are a must in our kit. Safe driving ensures long living for which a smooth and healthy vehicle is required, which definitely ask for timely maintenance. So, make sure to keep all the essential car or motorcycle tools in your baggage.
To enjoy safe and smooth ride of your vehicle you need to get it checked from a good mechanic but for that you have to shed big amount. A better and more economical way is to buy good quality engine repair tools which can aid to low maintenance cost. If you don’t know how to handle these equipment’s then don’t feel sad you have these online tutorials or user manuals who can guide you through. But if you don’t like these ideas then ask for a family or friends help. I am sure they won’t mind doing this in exchange of a dinner or a drink party.
So, spend some dollars on your car or motorcycle tools purchase and enjoy a long life of your vehicle.
Kiya Thakur is a Professionalize content writer and basically writes on engine repair tools and motorcycle tools. To get more information about these automotive tools visit at http://www.handsontools.com
Article Source:
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Kidney Failure in Cats – How to Provide the Best Care Possible
Oct 5th
Chronic renal failure (CRF) is a common cause of illness in older cats. Unlike some other organs such as the liver, damage to the kidneys cannot be repaired. Signs of renal disease are usually seen once at least 70-75% of the renal tissue has been irreversibly damaged and, once established, CRF is generally a naturally progressive condition. The rate of progression of disease can vary hugely from cat to cat. There is no cure for CRF and in people with this condition, dialysis treatment followed by renal transplantation are the main options. Neither of these treatments are currently available in the UK, although it is possible to improve the quality of life of affected cats by employing a variety of medical treatments tailored according to the individual’s needs. In recent years many treatment advances have been made and there are now more options available to owners wishing to care for their cats with CRF. Before discussing these treatments in detail, it is important to consider what normal kidney function is and therefore the range of problems that cats with CRF may have.
In normal cats, the kidneys play many vital roles which include:
Elimination of waste products, drugs and toxins from the body via the urine
Regulation of the body’s acidity, electrolyte levels (calcium, phosphate, potassium, sodium and chloride) and water balance
Production of hormones such as erythropoeitin (required to stimulate production of red blood cells by the bone marrow) and renin (important in controlling water and salt balance)
Activation of vitamin D (important in control of blood calcium and phosphate levels)
Regulation of blood pressure
Signs of CRF develop when two thirds to three quarters of renal function has been lost. Cats with CRF are vulnerable to problems including:
Accumulation of protein breakdown products (including urea and creatinine which can be measured in blood samples) which is associated with clinical signs of illness (e.g. nausea, vomiting, loss of appetite)
Dehydration
Acidosis (increased blood acidity)
Electrolyte abnormalities
Anaemia (partly due to lack of production of erythropoeitin)
High blood pressure (systemic hypertension)
CRF cats often show non-specific signs of ill health such as a variable or poor appetite, weight loss, depression and sickness. An increased thirst is seen in about one third of cats with CRF although this clinical sign can also be seen with various other conditions common in middle aged and elderly cats such as hyperthyroidism and diabetes mellitus (‘sugar diabetes’). Diagnosis of CRF therefore requires collection of blood and urine samples for analysis. Most commonly a diagnosis is made following identification of azotaemia (accumulation of the protein breakdown products creatinine and urea in the blood) and loss of urine concentrating ability (i.e. the urine is more dilute than it should be). Further tests may be required in some cats to identify the cause of the renal disease. For example ultrasound examination of the kidneys is usually a straightforward technique for identification of polycystic kidney disease (PKD).
Management of cats with CRF involves a range of treatments tailored according to the individual’s needs.
What is the ideal diet for cats with kidney problems?
It is common to prescribe specific dietary therapy since this has been shown to improve the quality of life and survival of cats with CRF and may reduce the rate of progression of disease. Renal diets typically have restricted levels of high quality protein which limits the amount of protein breakdown waste products for the ailing kidneys to excrete. Levels of phosphate are also restricted since cats with CRF have a tendency to retain excess amounts of this in the body which can contribute to their feeling unwell. Renal diets have increased amounts of potassium and B vitamins which CRF cats are vulnerable to losing in their urine and increased numbers of calories which helps CRF cats with a poor appetite to maintain a normal body weight. Renal diets usually have lower levels of sodium in them which may help to reduce the risk of high blood pressure developing.
It is possible to prepare home cooked diets for cats with CRF and veterinary recipes are available for this purpose. Most owners do not elect for home cooking protocols as this is very time consuming and therefore not a practical option in most cases.
Cats with CRF often have a poor appetite and this can be exacerbated by offering special kidney diets which may not appeal to the cat. In some cases, the use of appetite stimulants such as the anti-histamine cyproheptidine (trade name Periactin) or anabolic steroids can be helpful in stimulating an adequate appetite. More recently some vets have been treating cats with persistently poor appetites by placing a feeding tube into the stomach. Feeding tubes can be placed into the stomach using endoscopy and are referred to as PEG tubes when this is done (percutaneous endoscopically placed gastrostomy tube). Although an anaesthetic and short period of post-operative hospitalisation is required to place the tube, once in place these can be used for prolonged periods to administer food, liquids and medicines to the cat.
How can dehydration be treated and prevented?
Cats with CRF are vulnerable to becoming dehydrated since they are unable to produce concentrated urine. Encouraging cats to drink and maintain normal hydration is helpful, if possible, and moist diets are probably preferable. Offering flavoured water may encourage cats to drink more (e.g. fish broth) although it is important to not offer salty liquids as these can increase the risk of high blood pressure and other problems developing. Many cats with CRF do however prefer the dry kidney diets and it can be difficult to encourage drinking. In recent years, one treatment that has received a lot of attention is administration of fluids under the skin by the cat’s owner (subcutaneous fluid therapy).
This is not currently a common recommendation in the UK although many USA owners of CRF cats are finding it a simple and valuable technique for helping their cat. In severe cases, dehydration may require treatment with intravenous fluid therapy (i.e. cat admitted to a veterinary surgery and placed on a drip). Giving additional fluids at home can therefore be helpful in preventing this. In addition, extra treatments such as potassium can be added to the fluids. Subcutaneous fluid therapy usually involves giving around 150 ml of fluid under the skin twice a week. The technique is well tolerated by most cats and owners include one report of a 19 year old cat with CRF that has been managed for 6 years using subcutaneous fluid therapy as part of the management protocol. If necessary, the regime can be changed to more frequent fluid administration. The owner will be trained in how to perform this technique by a veterinary surgeon or nurse – it is important that the fluid is given correctly in a sterile manner so that infections do not occur at the site of injection. Some cats do not tolerate this procedure and so it may not be suitable for all cats with CRF.
How can electrolyte problems be treated and prevented?
Electrolytes are salts present in the body which are required for normal cellular functions. The most common electrolyte imbalances in CRF cats involve potassium and phosphate. CRF cats are vulnerable to losing potassium in their urine which can cause a reduction in the blood potassium levels (hypokalaemia). Hypokalaemic cats can become very weak and lose their appetite. Although renal diets contain increased amounts of potassium in them, some cats with CRF can still develop low blood potassium levels. Additional potassium can be supplied to these cats as a powder, tablet or liquid.
CRF cats are vulnerable to accumulating phosphate which can make them hyperphosphataemic (have high blood phosphate levels). Oral phosphate binders are drugs which bind to phosphate present in the diet and limit what is absorbed by the cat’s bowel. These drugs may be needed in CRF cats whose blood phosphate levels stay high in spite of dietary therapy or in those cats that will not eat a prescription diet.
How can systemic hypertension be treated and prevented?
High blood pressure (hypertension) occurs in 20 – 30% of cats with CRF and can have serious consequences such as blindness. Monitoring of blood pressure is therefore important so that high blood pressure can be identified and treated rapidly where it occurs. Most practices now have facilities to measure blood pressure in cats and this is a technique which is simple, pain free and only takes a few minutes to perform. In those cats requiring treatment, anti-hypertensive drugs (such as oral amlodipine or benazepril) can be prescribed. Most cats need once daily therapy to maintain normal blood pressure.
What other treatments may be needed?
Additional treatments which may be prescribed according to the needs of the cat include:
Erythropoietin: Anaemia is common in cats with CRF and one reason for this is the decreased amounts of erythropoietin produced by the kidneys. Erythropoietin is a hormone that triggers red blood cell production by the bone marrow and treatment of anaemic CRF cats with human erythropoeitin can be helpful in reversing the anaemia. Unfortunately, this treatment can be expensive and may not always have a lasting effect as the human hormone is recognised as a foreign substance by the cat’s body which eventually produces antibodies to the drug preventing it from having a useful effect. Another possible side effect of this treatment is development or exacerbation of high blood pressure so cats receiving this treatment need to be carefully monitored. There is research underway in two US universities to develop a feline erythropoietin which would be much more helpful and should not result in antibody production by the cat.
Iron supplementation: Some anaemic CRF cats are iron deficient so measuring iron status and considering iron supplementation may be useful. Iron is required in production of haemoglobin, the oxygen carrying molecule in red blood cells.
Anti-sickness pills for vomiting: cats with CRF may suffer from what is known as uraemic gastritis (inflammation of the stomach due to retention of waste products and hormones which the kidneys normally excrete). Anti-sickness treatments including antacids and anti-vomiting drugs can be very helpful at treating this problem which may help the cat to feel much better.
Prevention and treatment of acidosis: Cats with CRF are vulnerable to becoming acidotic (ie their blood is more acid than it should be). This has many consequences all of which make the cat feel more unwell. Where at all possible, cats with CRF should not be fed acidifying diets (these diets are often prescribed for cats with lower urinary tract problems such as cystitis and bladder stones) as this increases the likelihood of acidosis. Treatment for acidosis involves use of drugs like sodium bicarbonate.
Calcitriol (vitamin D therapy). Although still somewhat controversial, many clinicians have used this treatment in certain selected CRF patients and found it beneficial at maintaining normal blood levels of calcium and phosphate.
ACE (angiotensin converting enzyme) inhibitors such as benazepril (Fortekor®, Novartis): This treatment has recently been advocated based on research in people with CRF in which ACE inhibitors were found to increase the survival times. Data from a recent clinical trial in cats with CRF suggested that cats receiving this therapy had a better quality of life (as assessed by their owners), a reduction in the amount of protein they were losing in their urine and slightly increased survival times. Fortekor did not reduce the parameters used to assess renal function (e.g. blood urea and creatinine levels). In the same clinical trial, a specific sub-set of cats with CRF which were losing large amounts of protein in their urine showed an excellent response to Fortekor® treatment (dramatically improved survival, appetite and weight gain). Unfortunately this manifestation of CRF accounts for only a small proportion of all cats with CRF.
ACE inhibitors also lower the blood pressure and so may be prescribed as anti-hypertensive therapy.
Antibiotics: recent studies showed that up to 30% of cats with CRF suffer from a bacterial cystitis at some point in the course of their disease. In some cats this infection may spread to the kidneys further compromising the renal function. In other cats, the bacterial cystitis is a consequence of bacterial infection of the kidneys (pyelonephritis). Cats with CRF may be more vulnerable to the development of bacterial urinary tract infections since the urine they are producing is so dilute. Unfortunately, in many cases the bacterial infection does not cause signs of cystitis (such as urinating more frequently, straining to urinate and passing bloody urine) which makes diagnosis of this complication difficult. Diagnosis requires collection of a urine sample which is assessed for microscopic evidence of bacteria and inoculated onto bacterial culture media for growth in a laboratory. A course of antibiotics, in some cases for weeks or months, may be needed to successfully eliminate bacterial urinary tract infections.
Other medications not discussed may be required in some cats with CRF and it is important to modify the treatment according to the specific requirements of each individual cat. The FAB website (http://www.fabcats.org/) contains useful information on renal disease as does the following web site which was designed by an owner of a cat with CRF http://www.felinecrf.com/
What is the prognosis for cats with CRF?
The long term outlook for cats with CRF is very variable ranging from a few weeks post diagnosis to many years. CRF is believed to be a progressive condition in most, if not all, cats although the rate of progression may vary considerably according to the cause of the disease and other individual factors. The prognosis is also affected by other issues including whether the cat has any other medical problems which influence its condition and how severe the consequences of renal disease are. For example, cats with anaemia caused by CRF often have a very poor long term prognosis as this is difficult to treat effectively for long periods of time. Owner and veterinary monitoring of affected cats helps to assess the severity of disease and rate of progression which ensures that affected cats receive all of the treatments that they need to help maintain good health. Care of affected cats at home can be very rewarding as well as helpful in ensuring that CRF patients have the best quality of life for as long as possible.
A comprehensive book ‘Caring for a cat with kidney failure’ by Dr Sarah Caney is available through her website as an e-book or as a printed on demand softback.
Dr Sarah Caney, Chief Executive, Cat Professional
http://www.catprofessional.com/index.html
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9-Part Plan For Healthy Dining Out For Diabetics
Oct 3rd
Dining out is an occasional indulgence for some people. For some, it is a way of life. Whatever the case for you, careful choices and moderate portions will help you make dining out part of a wise overall plan for your diabetes nutrition.
1-Research the menus. Ask the waiter about recipes.
Many restaurants include information about the nutrition values of their entrees. When this resource is available to you, take advantage of it. Research food or meal options at those establishments to make the healthiest choices possible.
2-Keep your helpings of food in check.
Diabetes nutrition is based on moderate portions, so keep portion sizes in check. Large portions are the norm at many restaurants.
How to control your portions.
Always choose the smallest meal size if they offer you options. Share part of your meal with a dining partner or request a take-home container. Avoid “dangerous” places like all-you-can-eat buffets. Resist overeating will be surely hard with that many options. Small amounts of many different foods can obviously add up to a large calorie count.
3-Make substitutions.
Choose for example a diabetes-friendly side salad or a double order of vegetable, instead of fries. Do not settle for what comes with your meal or sandwich with the eyes closed. Try a flavored vinegar or a squeeze of lemon juice on your salad, or use fat-free or low-fat salad dressing rather than the regular variety. Instead of shredded cheese and sour cream, ask for salsa with your burrito. On sandwiches, substitute mustard, ketchup, fat-free mayonnaise or a slice of tomato for the house dressings or creamy sauces.
4-Watch the “extras”.
Keep in mind that the extras such as croutons, fried chips and bacon bits can undermine your diabetes nutrition goals by increasing the carb and calorie count. So watch the extras! Do not ever forget that all the additions have calories, even the healthier ones, like barbecue sauce, fat-free mayonnaise and salad dressings. Notwithstanding, you can enjoy small servings of these, without sabotaging your meal plan.
5-If possible, speak with the chef.
Food preparation is also worth to consider. Avoid fried and breaded food. Instead request that your food be roasted, grilled or broiled. Whenever necessary and possible, ask if the chef can use skinless chicken, whole-grain bread and low-cholesterol eggs. If you are to order pizza, avoid doubling on meat or cheese, and request lots of vegetables and just a thin crust. Ask that no salt or MSG be added to your food if you are on a low-sodium diet. When you request healthier options and substitutions, do not feel like you are stepping out of line. You have the right to do it. You just try to stay committed to your meal plan, and you are simply doing what it takes to accomplish that.
6-Avoid high-calorie beverages.
Watch what you drink. Keep an eye on the continuously refilled soda glass. Each glass of sugar-sweetened soda adds hundreds of calories to your meal. Ice-cream drinks and shakes may be even worse. They have more calories, as well as saturated fat. Instead, drink water, diet soda, sparkling water, mineral water or unsweetened iced tea.
7-Refrain from overdrinking alcohol.
Alcohol is another crucial matter. Alcohol has its own caveats because it can worsen your diabetes. An occasional drink with a meal is fine, if your diabetes is under control and your doctor agrees. Remember that alcohol adds empty, non-nutritive calories to your meal. Diabetes complications, such as eye disease and nerve damage, might be the immediate consequences of drinking imprudently. Nevertheless, if you choose to drink alcohol, opt for light beer or dry wines, beverages with fewer calories and carbohydrates. Other options can be mixed drinks made with sugar-free mixers such as diet tonic, club soda, seltzer or diet soda. One or two drinks a day should be your limit, anyway.
8-Eat out at your usual time.
Sometimes it is hard to maintain the blood sugar level steady, especially if one takes insulin shots or diabetes pills. Eating at the same time every day can help achieve that.
Follow these steps if you are dining out with others:
+ Schedule the gathering at the time you usually eat.
+ Try to avoid times when the restaurant is busiest, or make a reservation to avoid waiting for a table for long periods.
+ If you cannot avoid dining out later than usual, snack on a starch serving or a fruit from the upcoming meal at your usual mealtime.
9-Save room for the afters.
Sweets are not necessarily off-limits. Just remember that sweets count as carbohydrates in your meal. Reduce the amount of other carbohydrates in your meal, such as tortillas, rice, bread, potatoes or milk, if you would like dessert.
Bottom line: the point is to never forget the principles of diabetes nutrition, whether you are at home or dining out. Limit the amount of carbohydrates, salt and fat in your diet. Eat a diversity of healthy foods.
Responsibly follow the nutrition guidelines set by your dietitian or doctor. If you do that and work together with them, you can afford the joy of eating out without setting your meal plan aside.
JOSE TALAVERA – Health advisor. Diabetes expert. Experienced consultant and author. If you like this article, please visit the web site below for more advice and resources: http://conquer-diabetes.blogspot.com
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Building an AdSense Business With Free Blogs
Sep 28th
I feel like it’s about time that I paid back to the community for all of the knowledge and help that I received along the way. Hopefully this post will help you get started in the AdSense business even if you have little or no money to spare but desperately want to try your hand at it.
Normally Google won’t approve AdSense applications for free websites, but there is one exception. So if you’re short on cash for hosting and are eager to get started, you might give this a try.
Blogger.com Blogs
Not long after Google bought Blogger.com, they made AdSense available to Blogger blog owners. Blogger is great because it has an easy interface, Google and Yahoo crawl the blogs quickly, and best of all if you’re broke–they’re free, and Google loves to give out AdSense accounts to Blogger owners.
So if you’re looking to get started with AdSense and not spend much money, Blogger is a great way to get started.
Before I talk about how to setup a Blogger blog for AdSense, though, let me tell you what an RSS feed is and how it works. If you already know this you can skip ahead. I make reference to this in the setup instructions, so it’s important to understand.
An RSS feed (as it applies to a blog) is basically a list of all of the recent posts made to your blog. People can use “RSS Aggregators” (software that continually checks up on your RSS feed to see if there’s anything new) to keep up with new posts on your blog. Websites will also want to publish your RSS feed on their sites if your content is good. This gives them fresh content for their visitors. And we all know that content is King in the world of website building.
Blogger blogs come with an RSS feed built-in, and you can use this to your advantage to generate traffic to your blog. I’ll discuss that in a bit, but first let’s get into building the blog.
Create Your Blogger.com Account
Determine Your Blog Topic First
Before you create the blog, you need to figure out what topic the blog will focus on. Think about your skills or hobbies that you’re really good at. You might not be a mechanic, but if you’re really good at working on cars on the weekend, and you love to do it, that would make a great blog topic. Brainstorm your skills and interests to determine what you would enjoy writing about. It’s important that you like to write about it, since you will have to do so to build up the blog!
I will say this: If you have some knowledge on a commercial or industrial topic, this will usually get higher paying AdSense ads. But a hobby blog can do very well also (I know this from experience!).
Create the Blog
Once you have a topic chosen, it only takes about 5 minutes to setup a blog. From the Blogger homepage click the “Create Your Blog Now” link and follow the blog wizard instructions. I won’t get into detail about them because it’s pretty straight-forward, but there are a few points I want to make.
First of all, when you choose your blog URL, make sure that the URL contains the keywords for your topic. For example, if you’re creating a blog about health insurance, “healthinsurance.blogspot.com” is ideal, or “health-insurance” or even “health-insurance-blog” or “health-insurance-12345”. Just make sure that your keywords are in the URL, that will help you be found when people search for your keywords in the search engines.
Also, be sure to pick one of the professional looking templates. I suggest you just pick the plain-white one that is first in the list of templates when you’re creating the blog. Once the blog is created, then click on the “Templates” tab and select one of the nicer ones shown there. I’m not sure why Blogger doesn’t show you all of the available templates in the blog setup wizard, but they don’t.
The Settings Tab.
A discussion of the important points of each settings tab is outlined below.
Basic
On the “Basic” settings tab, set your blog title to the keywords you want to show up for in the search engines. That will help you get ranked.
Give a good, detailed description about the benefits of reading your blog daily. You want to get people to add your RSS feed to their aggregators and websites so you can get traffic, and this will help.
Answer “Yes” to the question “Add your Blog to our listings?”. This will have your blog appear on the main page of Blogger when you make new posts (albeit for a brief period of time), and allow people to search and find your blog using Blogger’s search tool.
One other, lesser known detail about setting that question to “Yes” is that if you set it to “No” Blogger will shove “nofollow/noindex” meta-tags into your blog template header, which will prevent your site from getting crawled or indexed. I believe this was done to fight what Blogger called “spam blogs”.
Publishing
Set the “Notify Weblogs” setting to “Yes”. This will send a notification to Weblogs every time you make a new post. Weblogs is a site that lets people (and search engine crawlers) know when new content appears on a blog. You want the crawlers (and visitors) to hit your pages when you add new content, so be sure this is set to Yes.
Formatting
You can do what you want on this tab–I personally set the number of posts on the main page to between three and five.
Comments
Allow comments unless your blog topic is really controversial and you’re likely to get a lot of flaming (people lashing out at you for what you have to say). Allowing comments is good because it gives more food to the search engines and keeps your blog updating and fresh even when you’re not posting to it.
I usually let anyone comment, and don’t limit it.
Don’t show the comments in a pop-up window, because that will prevent the crawlers from being able to get to the content since it’s javascript-based.
If you’re concerned that people might flame you, but you want to allow comments, enable comment moderation so that you have to approve each comment that is added before it goes live.
If you want to be notified when a comment is made, set the Comment Notification Address to your email address.
Archiving
Set your archiving to daily if you post every day, or weekly if you only post every few days. If you post every day daily is the best way to go, because it gives the search engines more unique pages to crawl and index. More unique content means more traffic to your blog and more clicks on your AdSense ads (I’ll get to adding your AdSense to the template in a bit).
If you don’t do a daily archive (and maybe even if you do), enable post pages so that each post will still have its own unique page even if multiple posts appear on the same archive page. Having multiple posts on one archive page is not a bad thing if you have post pages enabled, since the posts tied all together make for yet another unique page on the blog.
Site Feed
Definitely enable the site feed. If your posts tend to be very short, you might enable full descriptions. But if you have long posts (which I recommend), do not enable the full feed, use the short feed. Here’s why:
If you put the full post in your RSS feed, then the person reading the feed doesn’t have a reason to go back to your blog since they have already read the full post. No visitors to the blog means no clicks on your ads. AdSense has an “AdSense For Feeds” in beta testing, but it’s not open to all publishers yet, so at least for now you need to induce people to visit the blog.
If they can only read part of the blog post, then if they want the whole story they will need to go to your blog. You can plan for this by making sure that your title and the first 255 characters (about the first 50 words) really pull in the reader’s attention. You need to use those first 50 words to make them just have to read the rest.
Also, if your RSS feed appears on websites, you don’t want to give away the farm by showing the whole post. You’re letting websites use your feed so you can get clicks on the posts in that feed and get visitors to your site to build AdSense revenue.
So set the “Descriptions” to Short, write long posts and make the title and the first 50 words count.
The Templates Tab
If you haven’t already picked a nice template from the list, click on the “Pick New” link under the templates tab and select one of the templates that you like and that fits your topic.
If you don’t already have an AdSense account, you can click on the “AdSense” link and apply for one straight from the blog instead of having to go to Google.com to apply. That’s how badly Google wants Blogger blog owners to use AdSense on their blogs!
Once you’ve done that, it’s time to paste your AdSense code into your template. Click on the “Edit Current” link if you’re not already there.
There are two methods of setting up your template. You will generate the most clicks by doing the following:
1) Find the section of the template that looks like this:
2) Paste your AdSense code for a 336×280 large rectangle directly after the second
3) Optionally, if you want to show a second 336×280 block at the bottom of the list of posts, look for this code in the template:
Put your AdSense code between the
Click the “Preview” button to make sure the AdSense blocks look correct and did not mess up the look of the template. If all is well, click “Save Template Changes”.
Note: Once you’ve made changes to your template, if you go and select a different template with the “Pick New” link it will overwrite your changes and you will have to put your AdSense code back into the template.
Setup Your Profile
Once your blog is setup, you want to setup your profile. To do this, click the “Back to Dashboard” link at the top of the browser window. Once at the dashboard, click on the “Edit Profile” link in the right hand column.
Check the “Share my Profile” box, and the “Show my Real name” box, unless you have a really good reason not to. It helps build trust if you have this information showing on your blog because people can see you’re a real person and not some anonymous nobody. Your profile by default will be shown on your blog.
If you don’t mind people contacting you via email, you can select “Show my email address”.
Click “Select blogs to display” and make sure that your new blog is checked.
If you have a photograph somewhere on a website, you can point to it with the Photo URL. I recommend doing this because again, it builds trust and makes you more real and personal to your readers. If you don’t have a picture on the web, or don’t have a website, I’ll gladly host a picture of you on one of my servers for free. Sticky-mail me and we’ll arrange it. Just one of my little ways of paying back to the Webmasterworld community.
Go through and fill out the rest of the information. Focus on the “About Me” box, because that will show on your blog pages. Use that description to establish yourself as an expert on the topic that your blog is about. People like to know that they’re reading an expert opinion that they can trust. This box is your chance to prove you have an expert opinion!
Save your profile when you’re finished.
Getting Traffic to Your Blog
Once your blog is properly configured, spend about a week making a good, informative post or two per day. You don’t want to go advertising an empty blog, so it pays to make some good posts first.
You can post to the blog by clicking the “Posting” tab. Make your title be eye-catching while still containing the keywords that the post is most relevant to. For example, if your post is going to be about how to build blue widgets from scratch, and you want to be found when people search the engines for “Build blue widgets”, try and make your title at least start with those keywords. For example, “Build blue widgets – from scratch”. The dashes help the search engines differentiate the keywords from the rest of the title.
You might get some stray traffic from people searching for blogs on Blogger, and your posts appearing in the “most recent posts” list, so don’t be surprised if you get some traffic and AdSense clicks even before you start advertising.
Submit Your Blog to Blog Directories
To get the traffic rolling you need to submit your blog’s RSS feed to as many Blog Directories as you can. If you search Google for “RSS submission site”, the number one result as of right now lists off 55 directories that you can submit your feed to.
With a Blogger blog, your RSS feed is always your blog url plus “/atom.xml”. For example, if your blog url is:
Your RSS feed url is:
http://myblog.blogspot.com/atom.xml
This is very important, because it will help attract the attention of the search engines as well as get your blog noticed by people who are searching for information and for content for their websites.
All of this will result in getting in-bound links to your site. Most people will use the title of your blog as the link text for the link to your site, and that’s why it’s important for your title to be the keywords that you want your blog homepage to rank for in the search engines. Having in-bound links that contain the keywords you want to rank for is a very powerful way to get ranked well. I have blogs that rank on the first page of search results for my keywords because of this (some even in the first or second position).
But you don’t want to sit around and wait for the links to start to gather. You want to…
Trade Links With Related Websites
Another thing I do to help get my blog ranked is to trade links with other webmasters who have sites on similar topics. I find them by searching for the keywords I want to rank for. If the blog category is not a competitive, commercial category, you can write directly to the webmasters of the top 20 – 50 results and see if they will exchange links with you.
If it’s a more competitive, commercial category, you can find out who links to the top websites for your keywords by searching for “link:[http://www.yourcompetitor.com/]”. That will show a list of URLs that link to your competition. Write to the webmasters who own those linking sites and see if they will trade links with you, too.
When you request a link exchange, be sure and make the request personal. Mention something that you like about the webmaster’s site and why you think that your blog is a good match for a link. You might even go a step further and put up a link to the webmaster’s site before emailing them. That way you can say “I’ve already put up a link to your site on my blog and wanted to see if you felt that my blog was a good match for a link back from your site”–or something like that. Take the first step, it’s a good gesture and it helps you get more links. Of course, if they don’t agree you can always take their link down.
If they agree to exchange links, make sure that you have them link to your site using the keywords that you want to rank for. For example, if you want your blog to rank well for “Home Made Widgets”, be sure to have them use the link text “Home Made Widgets”.
You can manually insert the webmaster’s link and description text into your blog by modifying your template. I try to put it in the left or right hand column just below the archive links. To do this, modify your template and look for this code:
And finally, below the links, add this:
Every time you make a new link exchange with a webmaster, just go in and repeat the
The more competitive your blog topic is, the more links you will need to get to rank well. But if your posts are informative, witty and humorous where appropriate, word will soon spread about your blog and your traffic will grow as people link to you without you even asking for a link. Growth in traffic means growth in AdSense revenue.
Concluding Comments
I hope this tutorial will help some of you who are on a restricted budget and just getting started with AdSense to start making some money by creating quality blogs at Blogger.
It takes some time and effort to make good informative posts, but once you have learned to create one successful blog you can repeat the process and create another, and another, until you achieve enough success to start putting up your blogs at your own domain name instead of “yourblog.blogger.com”. Blogger lets you do that, too, but that’s a subject for another post.
Here’s to your success!
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Top 5 Tractor Brands
Sep 26th
There are several tractor brands around the world, but there are a few brands that stand out because of their performance. New or used you can count on their durability to last. Here the top 5 tractor brands are given an overview.
John Deere Tractors
In 2008 Deere and Company (known as John Deere) is listed as the leading manufacturer of agricultural machinery in the world. The longest production span of the two-cylinder John Deere tractors was the Model D. The Model D was the longest produced tractor from the years 1923- 1953.
In the 1960′s the new generation came along when John Deere switched to four and six-cylinder tractors. That model was called the 8010 and only one-hundred tractors of this brand was made. A few years later the 8020 was developed and became the standard all other farm tractors are measured by. “Nothing runs like a Deere.”
Massey Ferguson Tractors
Another brand name in tractors is Massey Ferguson. The brand Massey Ferguson is used by AGCO (Allis- Gleaner Corporation) and remains a major seller around the globe. In the 1930′s Massey Harris produced the world’s first four-wheel drive tractors.
The first massive production of tractors for the company was the Massey Harris Ferguson TVO. In 1958 the MF135 was widely popular because of its power and reliability compared to other tractors of its time. The present models that are sought after today are the 5400, 6400, 7400, and the 8400. Currently there are more Massey tractors in the world than any other brand of tractors.
New Holland Tractors
In the 1900′s the first New Holland “freeze proof” tractor engine was produced. After that there were five different horsepower models mass produced by the New Holland Company. It all started with the small 1-1/2 HP engine which ranged up to 16 HP. The most popular tractor model offered by the New Holland Company was the 5 HP tractor in 1911. Later Ford bought New Holland and this brand was offered by Ford.
Case IH Tractors
Case IH (J.I. Case and International Harvester) tractors are one of the worlds largest name brands of agriculture equipment. The Farmall tractor was produced in 1926 and by 1930 they sold 100,000 tractors. Model 10-20 and 15-30 were the first important tractors in the 1915′s. A few more popular models of this brand of tractors are the Steiger 535 QT, Magnum 335, and the Case IH 3594 (the Magnum 335 being the most popular brand).
Ford Tractors
The first lightweight tractor that was built was a Ford brand name. The Fordson Model F was finished in 1916 and because it was mass produced and lightweight it made it affordable for the average farmer to own one. This tractor had 20 HP with a four-cylinder vaporising oil engine. From 1917-1928 the Model F sold three quarters of a million units, which is more than any tractor sold then and now.
In 1941 the first three-point hitch system was introduced. It was known as the 9 N Ford tractor and the design is still used on several tractors today. A few modern tractor models are the Ford 5000, Ford 2000 Diesel and the most modern Ford tractor model known as Fiat Agri.
Robert Tate – Region Sales Manager of Mascus UK. Mascus is an electronic marketplace for used tractors, trailers and used trucks. Mascus makes trading in used machines and trucks quicker and more efficient by collecting all information about supply and demand in one place. All dealers, producers and end users are welcome to offer their used machines and trucks for sale via the marketplace.
Contacts:
Robert Tate
Regional Sales Manager – UK
Mob:+ 44 (0) 7970 230055
Email: robert.tate@mascus.com
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Do It Yourself Auto Repairs – How To Get The Best Out Of Auto Manuals
Sep 25th
To be successful in Do It Yourself auto repairs you would need auto manuals as guide. Learn
how to extract all the information and help from your auto manuals.
You Need An Auto Manual
Do It Yourself auto repairs requires that you detect faults in time and fix them to reduce cost and time, auto manuals are designed just for that.
Whether you are new at Do It Yourself auto repair or you are an “oldie” you need a good auto
manual.
It facilitates quick and good results.
Follow the steps below to know how to get the best from auto manuals.
- Decide what auto manual you want, this will be determined by your do
It Yourself auto repair jobs.
There are manuals for repair, maintenance, bodywork, and so on. - Get the auto manual that you can understand easily, you don’t want somebody to come and explain to you
what is written in the manual before you can carry out Do It Yourself auto repairs. - Buy the exact manual for your car, this will make work easier and faster.
- Study and know the content of your auto manual well first do a general study, to have an overview of
how
parts systems are linked together, where some parts are located, etc. Do a detail study, especially on the area
that has to do with where you want to carry out Do It Yourself auto repairs. - Use the manual to study your car engine, systems, parts. With the explanations and photographs in your
manuals trace and locate your car parts, and study how they work.
Do this before any breakdown and before you carry out Do It Yourself auto repairs. - Register with an online repair site. They further simplified do it yourself auto repair works and they
also provide online helps on any repair problems. - You can also type/copy out a particular repair page you need in your own language and keep by your side
when you carry out your Do It Yourself auto repairs.
Everybody finds auto manuals with photographs of jobs in progress easy to understands, so they will be good
for Do It Yourself auto repairs.
Pay close attention to
location of bolts and nuts, torque specifications, tools to be used, parts specifications, etc.
In their forum you can read posts of other vehicle owners as they share their problems and success.
This will further help you. But you have to register with a minimal fee.
The more you do in-depth study on your auto repair manuals, the more you ‘know’ your
car, and the more success
you record in your Do It Yourself auto repairs.
Tope Olawumi is a seasoned auto infopreneur.
Visit his site at http://www.all-about-auto-part.com/Do-It-Yourself-Auto-Repair.html for more info on; how to be a better Do It Yourselfer, and how to carry out successful Do It Yourself auto repairs.
You can also subscribe to his blog at http://www.all-about-auto-part.com/Auto-part-blog.html
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Multicultural Marketing – Taking Care of Business At Hand
Sep 25th
Multicultural marketing mirrors the changed face of America and is getting the attention of small-business and other organizations looking for an edge in diverse ethnic markets. “Gone are the days when businesses succeed with a ‘one size fits all’ approach to marketing. It’s a ‘mass market’ no longer,” insists Rhonda Albey, a diversity consultant with Allen Associates in Los Angeles, “The multicultural markets are where the opportunities are, and successful entrepreneurs are quickly learning how to get there.”
According to the Association of National Advertisers (ANA) the predominant ethnic market segments being targeted by multicultural marketers are Hispanic (70%), African-American (59%) and Asian American (27%). In many places, these and other multicultural markets exert such demographic and economic influence that they’re inevitable targets. (source: http://www.Emarketer.com, 11-6-02).
Wherever they are, however, businesses must monitor and adapt to changes in their marketplace. The view out there can change quickly, and it’s a mistake to take any significant market segment in your area for granted. Even with all the right products and services you’ll still need the right message, in the right place, at the right time to reach the ethnic markets you want to be doing business with.
Do-it-yourself online research and homegrown multicultural marketing initiatives can help you identify and develop local ethnic market segments. But for some, outsourcing may be the way to go. For example, Multicultural Marketing Resources, Inc., (www.multiculturalmarketingresources.com), a NYC-based public relations and marketing company, is helping businesses and entrepreneurs reach multicultural markets nationwide.
Population Growth and Economic Clout Tell Powerful Stories
Overall, says Multicultural Marketing Resources’, Lisa Skriloff: “The African-American, Hispanic and Asian populations have a combined buying power of more than a trillion dollars and minority populations are fast becoming the majority population in major markets.” But shifts in thinking toward culturally based marketing–targeting ethnic segments based on their cultural framework–will expand, creating multicultural marketing opportunities in still new ethnic segments in places where they are numerically significant.
California diversity consultant, Rhonda Albey, cautions: “Appreciate the diversity within groups as well as among groups. Terms like ‘Hispanic’ and ‘Asian’ are frequently used without acknowledging the wide-variety of peoples such terms include. ‘Asian’ can refer to any one of hundreds of nationalities, language groups and cultures. Entrepreneurs need to be aware that what appeals to Chinese-Americans in California may have little appeal for Korean-Americans in New York, although they’re all Asian-Americans.”
Culture as much, if not more than age, income, occupation or sex, is the main difference between ethnic markets and the general marketplace. Differing cultural backgrounds may mean consumers will never see or hear marketing messages that are not relevant to their cultural behavior, language or media preferences. And many businesses have yet to realize that Hispanics, Asians and blacks, among other market segments–multicultural or otherwise–have buying preferences that can be a key ingredient in marketing and selling to them.
But what if you haven’t been making the most of multicultural marketing opportunities that could be all around you?
How to Work Multicultural Marketing Into Your Marketing Plans?
Assuming you have a marketing plan, an important first step in multicultural marketing is knowing your audience, followed by improving your existing market penetration (you may want to get busy developing attractive new target markets, but first understand the inherent risks and costs, and explore opportunities to grow from within). If you can’t meet your goals with existing marketing opportunities–or you want to aim even higher–you probably should be developing new market segments. That means checking your sales forecasts and expense budget, and seeking ways to increase the return on your marketing investment.
As does all market planning, multicultural marketing needs to include research to determine who is buying your products and services, and why. Any market segment’s unique make-up defines its needs, suggesting products to sell and methods to use, and if it’s right for you; solid information about the wants, needs and objectives of potential clients is essential in making sound marketing decisions. Surveys of prospects and clients and informal interviews are useful research tools for agents and advisors in areas where one or more ethnic groups predominate.
Multicultural market planning continues with customer profiles–word-pictures of the people you’re looking for summarizing what these groups mean to you, what you do for the group, and why. Example: “The person I do business with is a young black professional or executive who is married, politically conservative, and has the potential of earning $100,000 a year by age 40. This market has grown substantially from when I started in this business 10 years ago, and I’ve been able to develop a steady market presence. As a result, networking opportunities and qualified referrals are easy–but I have to keep my eye on the ball and know my stuff.”
Market positioning then allows you to focus your resources and expertise as they apply to your market segments and think through the messages you wish to communicate to create competitive advantages. Your positioning statement should be well thought out and lend itself to professional identity branding. Your “brand”–reputation, integrity, performance, credentials, distinctive competencies and other key factors–shows in everything you do and differentiates you from your competition. Establish your brand up front: in conversation, in writing and in what you make people think about.
A marketing strategy is your formal plan for entering and systematically developing multicultural market segments and achieving your goals. It coordinates your positioning statement, customer profiles and professional identity brand with tools and techniques for establishing yourself in these market segments while servicing and expanding your existing client base. Once you have a plan, you’ll need to implement, manage and sustain it. It’s also important to remain focussed on your long-term goals. And to stay motivated!
You can adopt these steps to any market segment; what’s most important is thinking strategically about how you will find, get, and keep customers. Because marketing in the U.S. is becoming more like global marketing, market planning must proceed from an understanding of cultural differences the better to evaluate the need for adjustments to strategies and tactics. Commenting on the potential growth of multicultural marketing, Lisa Skriloff predicts: “Businesses that have not invested in multicultural marketing will be forced to reevaluate or be left behind.”
Want More? Send questions and comments to w.willard3@knology.net.
Bill Willard has also been writing high-impact marketing and sales training primarily for the financial services industry for 30 years—but as Will Rogers put it: “Even if you’re on the right track, you’ll get run over if you just sit there.” Through interactive, Web-based “Do-While-Learning™” programs, enewsletters and straight-talking articles, Bill helps SBOs and independent professionals get the job done: profitably improving performance, helping grow your business, skipping expensive mistakes, making the journey to small-business success faster, smoother, easier. And fun!
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Best Pet Supplies
Sep 24th
People show so much love for their pet that they go overboard in buying pet supplies. Not only does it cost you unnecessary expenses, your home with so much pet supply but you will fill clutter which most of it your pet will never even use.
So buy wisely and get only those pet supplies your pet really needs. Below given are some ideas. Water and Food bowls. Your pet will use these bowls for many years, so do not skip. Buy in stainless steel as they last longer and are very easy to clean. Plastic bowls may be cheap, but it is very difficult to clean as it becomes old and many times it looses it shine and color. Pet food does not react stainless bowls.
Grooming pet supplies: Grooming supplies are available at online stores. Used correctly and regularly, it can help to stay your beloved pet huggable and clean.
Traveling pet supplies: If you travel often together with your pet, you may need special supplies such as well-ventilated, hard-sided kennels & harnesses. Also you may need a bag to carry your pet’s meds and grooming supplies wherever you go. And if you are traveling by car, you can get an adjustable car seat for your pet.
Toys are good for your pets. Your cat or dog can enjoy even some simple available play toys like old socks. But if you can afford you can get your pet some fancy toys. It will keep your pet busy while you may attend to some important issues. And remember, active toys will let your pets exercise while they also have fun. But you must be careful to choose only those toys that are safe for them.
Today pet supply stores everywhere are getting better and better. They are becoming an important dependable source for all pet needs like pet medicines, pet accessories and pet food. Pet are allowed in pet stores. So take your pets inside the stores to make sure that whatever accessories you have bought fit them perfectly and look good on them and see if your pet likes your choice.
Pet spas: You may now get you pets cleaned and groomed right inside some pet supply stores. Some stores offer cat nail clipping or free dog shampoos also.
Online stores: Some Pet supply stores have online website presence from where you may purchase from the comforts of your home. Forget the traffic, heat / cold or even long checkout times. Just log on to the net, order, pay online by credit card and your pet supplies will be delivered to your home. One advantage of online shopping is that you can check out several websites to compare stuff and prices with just few clicks. Online prices are also very competitive and some even provide you with free shipping if you meet their minimum order requirements.
[http://www.petsupplies4ypc.com]
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Globalisation And Primary Education Development In Tanzania: Prospects And Challenges
Sep 21st
1. Overview of the Country and Primary Education System:
Tanzania covers 945,000 square kilometres, including approximately 60,000 square kilometres of inland water. The population is about 32 million people with an average annual growth rate of 2.8 percent per year. Females comprise 51% of the total population. The majority of the population resides on the Mainland, while the rest of the population resides in Zanzibar. The life expectancy is 50 years and the mortality rate is 8.8%. The economy depends upon Agriculture, Tourism, Manufacturing, Mining and Fishing. Agriculture contributes about 50% of GDP and accounting for about two-thirds of Tanzania’s exports. Tourism contributes 15.8%; and manufacturing, 8.1% and mining, 1.7%. The school system is a 2-7-4-2-3+ consisting of pre-primary, primary school, ordinary level secondary education, Advanced level secondary, Technical and Higher Education. Primary School Education is compulsory whereby parents are supposed to take their children to school for enrollment. The medium of instruction in primary is Kiswahili.
One of the key objectives of the first president J.K. Nyerere was development strategy for Tanzania as reflected in the 1967 Arusha Declaration, which to be ensuring that basic social services were available equitably to all members of society. In the education sector, this goal was translated into the 1974 Universal Primary Education Movement, whose goal was to make primary education universally available, compulsory, and provided free of cost to users to ensure it reached the poorest. As the strategy was implemented, large-scale increases in the numbers of primary schools and teachers were brought about through campaign-style programs with the help of donor financing. By the beginning of the 1980s, each village in Tanzania had a primary school and gross primary school enrollment reached nearly 100 percent, although the quality of education provided was not very high. From 1996 the education sector proceeded through the launch and operation of Primary Education Development Plan – PEDP in 2001 to date.
2. Globalization
To different scholars, the definition of globalization may be different. According to Cheng (2000), it may refer to the transfer, adaptation, and development of values, knowledge, technology, and behavioral norms across countries and societies in different parts of the world. The typical phenomena and characteristics associated with globalization include growth of global networking (e.g. internet, world wide e-communication, and transportation), global transfer and interflow in technological, economic, social, political, cultural, and learning areas, international alliances and competitions, international collaboration and exchange, global village, multi-cultural integration, and use of international standards and benchmarks. See also Makule (2008) and MoEC (2000).
3. Globalization in Education
In education discipline globalization can mean the same as the above meanings as is concern, but most specifically all the key words directed in education matters. Dimmock & Walker (2005) argue that in a globalizing and internalizing world, it is not only business and industry that are changing, education, too, is caught up in that new order. This situation provides each nation a new empirical challenge of how to respond to this new order. Since this responsibility is within a national and that there is inequality in terms of economic level and perhaps in cultural variations in the world, globalization seems to affect others positively and the vice versa (Bush 2005). In most of developing countries, these forces come as imposing forces from the outside and are implemented unquestionably because they do not have enough resource to ensure its implementation (Arnove 2003; Crossley & Watson, 2004).
There is misinterpretation that globalization has no much impact on education because the traditional ways of delivering education is still persisting within a national state. But, it has been observed that while globalization continues to restructure the world economy, there are also powerful ideological packages that reshape education system in different ways (Carnoy, 1999; Carnoy & Rhoten, 2002). While others seem to increase access, equity and quality in education, others affect the nature of educational management. Bush (2005) and Lauglo (1997) observe that decentralization of education is one of the global trends in the world which enable to reform educational leadership and management at different levels. They also argue that Decentralization forces help different level of educational management to have power of decision making related to the allocation of resources. Carnoy (1999) further portrays that the global ideologies and economic changes are increasingly intertwined in the international institutions that broadcast particular strategies for educational change. These include western governments, multilateral and bilateral development agencies and NGOs (Crossley & Watson 2004). Also these agencies are the ones which develop global policies and transfer them through funds, conferences and other means. Certainly, with these powerful forces education reforms and to be more specifically, the current reforms on school leadership to a large extent are influenced by globalization.
4. The School Leadership
In Tanzania the leadership and management of education systems and processes is increasingly seen as one area where improvement can and need to be made in order to ensure that education is delivered not only efficiently but also efficaciously. Although literatures for education leadership in Tanzania are inadequate, Komba in EdQual (2006) pointed out that research in various aspects of leadership and management of education, such as the structures and delivery stems of education; financing and alternative sources of support to education; preparation, nurturing and professional development of education leaders; the role of female educational leaders in improvement of educational quality; as will as the link between education and poverty eradication, are deemed necessary in approaching issues of educational quality in any sense and at any level. The nature of out of school factors that may render support to the quality of education e.g. traditional leadership institutions may also need to be looked into.
5. Impact of Globalization
As mentioned above, globalization is creating numerous opportunities for sharing knowledge, technology, social values, and behavioral norms and promoting developments at different levels including individuals, organizations, communities, and societies across different countries and cultures. Cheng (2000); Brown, (1999); Waters, (1995) pointed out the advantages of globalization as follows: Firstly it enable global sharing of knowledge, skills, and intellectual assets that are necessary to multiple developments at different levels. The second is the mutual support, supplement and benefit to produce synergy for various developments of countries, communities, and individuals. The third positive impact is creation of values and enhancing efficiency through the above global sharing and mutual support to serving local needs and growth. The fourth is the promotion of international understanding, collaboration, harmony and acceptance to cultural diversity across countries and regions. The fifth is facilitating multi-way communications and interactions, and encouraging multi-cultural contributions at different levels among countries.
The potential negative impacts of globalization are educationally concerned in various types of political, economic, and cultural colonization and overwhelming influences of advanced countries to developing countries and rapidly increasing gaps between rich areas and poor areas in different parts of the world. The first impact is increasing the technological gaps and digital divides between advanced countries and less developed countries that are hindering equal opportunities for fair global sharing. The second is creation of more legitimate opportunities for a few advanced countries to economically and politically colonize other countries globally. Thirdly is exploitation of local resources which destroy indigenous cultures of less advanced countries to benefit a few advanced countries. Fourthly is the increase of inequalities and conflicts between areas and cultures. And fifthly is the promotion of the dominant cultures and values of some advanced areas and accelerating cultural transplant from advanced areas to less developed areas.
The management and control of the impacts of globalization are related to some complicated macro and international issues that may be far beyond the scope of which I did not include in this paper. Cheng (2002) pointed out that in general, many people believe, education is one of key local factors that can be used to moderate some impacts of globalization from negative to positive and convert threats into opportunities for the development of individuals and local community in the inevitable process of globalization. How to maximize the positive effects but minimize the negative impacts of globalization is a major concern in current educational reform for national and local developments.
6. Globalization of Education and Multiple Theories
The thought of writing this paper was influenced by the multiple theories propounded by Yin Cheng, (2002). He proposed a typology of multiple theories that can be used to conceptualize and practice fostering local knowledge in globalization particularly through globalized education. These theories of fostering local knowledge is proposed to address this key concern, namely as the theory of tree, theory of crystal, theory of birdcage, theory of DNA, theory of fungus, and theory of amoeba. Their implications for design of curriculum and instruction and their expected educational outcomes in globalized education are correspondingly different.
The theory of tree assumes that the process of fostering local knowledge should have its roots in local values and traditions but absorb external useful and relevant resources from the global knowledge system to grow the whole local knowledge system inwards and outwards. The expected outcome in globalized education will be to develop a local person with international outlook, who will act locally and develop globally. The strength of this theory is that the local community can maintain and even further develop its traditional values and cultural identity as it grows and interacts with the input of external resources and energy in accumulating local knowledge for local developments.
The theory of crystal is the key of the fostering process to have “local seeds” to crystallize and accumulate the global knowledge along a given local expectation and demand. Therefore, fostering local knowledge is to accumulate global knowledge around some “local seeds” that may be to exist local demands and values to be fulfilled in these years. According to this theory, the design of curriculum and instruction is to identify the core local needs and values as the fundamental seeds to accumulate those relevant global knowledge and resources for education. The expected educational outcome is to develop a local person who remains a local person with some global knowledge and can act locally and think locally with increasing global techniques. With local seeds to crystallize the global knowledge, there will be no conflict between local needs and the external knowledge to be absorbed and accumulated in the development of local community and individuals.
The theory of birdcage is about how to avoid the overwhelming and dominating global influences on the nation or local community. This theory contends that the process of fostering local knowledge can be open for incoming global knowledge and resources but at the same time efforts should be made to limit or converge the local developments and related interactions with the outside world to a fixed framework. In globalized education, it is necessary to set up a framework with clear ideological boundaries and social norms for curriculum design such that all educational activities can have a clear local focus when benefiting from the exposure of wide global knowledge and inputs. The expected educational outcome is to develop a local person with bounded global outlook, who can act locally with filtered global knowledge. The theory can help to ensure local relevance in globalized education and avoid any loss of local identity and concerns during globalization or international exposure.
The theory of DNA represents numerous initiatives and reforms have made to remove dysfunctional local traditions and structures in country of periphery and replace them with new ideas borrowed from core countries. This theory emphasizes on identifying and transplanting the better key elements from the global knowledge to replace the existing weaker local components in the local developments. In globalizing education, the curriculum design should be very selective to both local and global knowledge with aims to choose the best elements from them. The expected educational outcome is to develop a person with locally and globally mixed elements, who can act and think with mixed local and global knowledge. The strength of this theory is its openness for any rational investigation and transplant of valid knowledge and elements without any local barrier or cultural burden. It can provide an efficient way to learn and improve the existing local practices and developments.
The theory of fungus reflects the mode of fostering local knowledge in globalization. This theory assumes that it is a faster and easier way to digest and absorb certain relevant types of global knowledge for nutrition of individual and local developments, than to create their own local knowledge from the beginning. From this theory, the curriculum and instruction should aim at enabling students to identify and learn what global knowledge is valuable and necessary to their own developments as well as significant to the local community. In globalizing education, the design of education activities should aim at digesting the complex global knowledge into appropriate forms that can feed the needs of individuals and their growth. The expected educational outcome is to develop a person equipped certain types of global knowledge, who can act and think dependently of relevant global knowledge and wisdom. Strengths of the theory is for some small countries, easily digest and absorb the useful elements of global knowledge than to produce their own local knowledge from the beginning. The roots for growth and development are based on the global knowledge instead of local culture or value.
The theory of amoeba is about the adaptation to the fasting changing global environment and the economic survival in serious international competitions. This theory considers that fostering local knowledge is only a process to fully use and accumulate global knowledge in the local context. Whether the accumulated knowledge is really local or the local values can be preserved is not a major concern. According to this theory, the curriculum design should include the full range of global perspectives and knowledge to totally globalize education in order to maximize the benefit from global knowledge and become more adaptive to changing environment. Therefore, to achieve broad international outlook and apply global knowledge locally and globally is crucial in education. And, cultural burdens and local values can be minimized in the design of curriculum and instruction in order to let students be totally open for global learning. The expected educational outcome is to develop a flexible and open person without any local identity, who can act and think globally and fluidly. The strengths of this theory are also its limitations particularly in some culturally fruit countries. There will be potential loss of local values and cultural identity in the country and the local community will potentially lose its direction and social solidarity during overwhelming globalization.
Each country or local community may have its unique social, economic and cultural contexts and therefore, its tendency to using one theory or a combination of theories from the typology in globalized education may be different from the other. To a great extent, it is difficult to say one is better than other even though the theories of tree, birdcage and crystal may be more preferred in some culturally rich countries. For those countries with less cultural assets or local values, the theories of amoeba and fungus may be an appropriate choice for development. However, this typology can provide a wide spectrum of alternatives for policy-makers and educators to conceptualize and formulate their strategies and practices in fostering local knowledge for the local developments. See more about the theories in Cheng (2002; 11-18)
7. Education Progress since Independence in Tanzania
During the first phase of Tanzania political governance (1961-1985) the Arusha Declaration, focusing on “Ujamaa” (African socialism) and self-reliance was the major philosophy. The nationalization of the production and provision of goods and services by the state and the dominance of ruling party in community mobilization and participation highlighted the “Ujamaa” ideology, which dominated most of the 1967-1985 eras. In early 1970s, the first phase government embarked on an enormous national campaign for universal access to primary education, of all children of school going age. It was resolved that the nation should have attained universal primary education by 1977. The ruling party by that time Tanganyika African National Union (TANU), under the leadership of the former and first president of Tanzania Mwalimu Julius K. Nyerere, directed the government to put in place mechanisms for ensuring that the directive, commonly known as the Musoma Resolution, was implemented. The argument behind that move was essentially that, as much as education was a right to each and every citizen, a government that is committed to the development of an egalitarian socialist society cannot segregate and discriminate her people in the provision of education, especially at the basic level.
7.1. The Presidential Commission on Education
In 1981, a Presidential Commission on education was appointed to review the existing system of education and propose necessary changes to be realized by the country towards the year 2000. The Commission submitted its report in March 1982 and the government has implemented most of its recommendation. The most significant ones related to this paper were the establishment of the Teachers’ Service Commission (TSC), the Tanzania Professional Teachers Association, the introduction of new curriculum packages at primary, secondary and teacher education levels, the establishment of the Faculty of Education (FoE) at the University of Dar-es-Salaam, the introduction of pre-primary teacher education programme; and the expansion of secondary education.
7.2. Education during the Second Phase Government of Tanzania
The second phase government of Tanzania spanning from 1985 to 1995, was characterized by new liberal ideas such as free choice, market-oriented schooling and cost efficiency, reduced the government control of the UPE and other social services. The education sector lacked quality teachers as well as teaching/learning materials and infrastructure to address the expansion of the UPE. A vacuum was created while fragmented donor driven projects dominated primary education support. The introduced cost sharing in the provision of social services like education and health hit most the poorest of the poor. This decrease in government support in the provision of social services including education as well as cost-sharing policies were not taken well, given that most of the incomes were below the poverty line. In 1990, the government constituted a National Task Force on education to review the existing education system and recommend a suitable education system for the 21st century.
The report of this task force, the Tanzania Education System for the 21st Century, was submitted to the government in November 1992. Recommendations of the report have been taken into consideration in the formulation of the Tanzania Education and Training Policy (TETP). In spite of the very impressive expansionary education policies and reforms in the 1970s, the goal to achieve UPE, which was once targeted for achievement in 1980, is way out of reach. Similarly, the Jomtien objective to achieve Basic Education for all in 2000 is on the part of Tanzania unrealistic. The participation and access level have declined to the point that attainment of UPE is once again an issue in itself. Other developments and trends indicate a decline in the quantitative goals set rather than being closer to them (Cooksey and Reidmiller, 1997; Mbilinyi, 2000). At the same time serious doubt is being raised about school quality and relevance of education provided (Galabawa, Senkoro and Lwaitama, (eds), 2000).
7.3. Outcomes of UPE
According to Galabawa (2001), the UPE describing, analysis and discussing explored three measures in Tanzania: (1) the measure of access to first year of primary education namely, the apparent intake rate. This is based on the total number of new entrants in the first grade regardless of age. This number is in turn expressed as a percentage of the population at the official primary school entrance age and the net intake rate based on the number of new entrants in the first grade who are of the official primary school entrance age expressed as percentage of the population of corresponding age. (2) The measure of participation, namely, gross enrolment ratio representing the number of children enrolled in primary education, regardless of age, expressed as a percentage of the official primary school age population; while the net enrolment ratio corresponds to the number of children of the official primary school age enrolled in primary school expressed as a percentage of corresponding population. (3) The measure of internal efficiency of education system, which reflect the dynamics of different operational decision making events over the school cycle like dropouts, promotions and repetitions.
7.3.1. Access to Primary Education
The absolute numbers of new entrants to grade one of primary school cycles have grown steadily since 1970s. The number of new entrants increased from around 400,000 in 1975 to 617,000 in 1990 and to 851,743 in 2000, a rise of 212.9 percent in relative terms. The apparent (gross) intake rate was high at around 80% in the 1970s dropping to 70% in 1975 and rise up to 77% in 2000. This level reflects the shortcomings in primary education provision. Tanzania is marked by wide variations in both apparent and net intake rates-between urban and rural districts with former performing higher. Low intake rates in rural areas reflect the fact that many children do not enter schools at the official age of seven years.
7.3.2. Participation in Primary Education
The regression in the gross and net primary school enrolment ratios; the exceptionally low intake at secondary and vocational levels; and, the general low internal efficiency of the education sector have combined to create a UPE crisis in Tanzania’s education system (Education Status Report, 2001). There were 3,161,079 primary pupils in Tanzania in 1985 and, in the subsequent decade primary enrolment rose dramatically by 30% to 4,112,167 in 1999. These absolute increases were not translated into gross/net enrolment rates, which actually experienced a decline threatening the sustainability of quantitative gains. The gross enrolment rate, which was 35.1% in late 1960′s and early 1970s’, grew appreciably to 98.0% in 1980 when the net enrolment rate was 68%. (ibid)
7.3.3. Internal Efficiency in Primary Education
The input/output ratio shows that it takes an average of 9.4 years (instead of planned 7 years) for a pupil to complete primary education. The extra years are due to starting late, drop-outs, repetition and high failure rate which is pronounced at standard four where a competency/mastery examination is administered (ESDP, 1999, p.84). The drive towards UPE has been hampered by high wastage rates.
7.4. Education during the Third Phase Government of Tanzania
The third phase government spanning the period from 1995 to date, intends to address both income and non-income poverty so as to generate capacity for provision and consumption of better social services. In order to address these income and non-income poverty the government formed the Tanzania Vision 2025. Vision 2025 targets at high quality livelihood for all Tanzanians through the realization of UPE, the eradication of illiteracy and the attainment of a level of tertiary education and training commensurate with a critical mass of high quality human resources required to effectively respond to the developmental challenges at all level. In order to revitalize the whole education system the government established the Education Sector Development Programme (ESDP) in this period. Within the ESDP, there two education development plans already in implementation, namely: (a) The Primary Education Development Plan (PEDP); and (b) The Secondary Education Development Plan (SEDP).
8. Prospects and Challenges of Primary of Education Sector
Since independence, The government has recognised the central role of education in achieving the overall development goal of improving the quality of life of Tanzanians through economic growth and poverty reduction. Several policies and structural reforms have been initiated by the Government to improve the quality of education at all levels. These include: Education for Self-Reliance, 1967; Musoma Resolution, 1974; Universal Primary Education (UPE), 1977; Education and Training Policy (ETP), 1995; National Science and Technology Policy, 1995; Technical Education and Training Policy, 1996; Education Sector Development Programme, 1996 and National Higher Education Policy, 1999. The ESDP of 1996 represented for the first time a Sector-Wide Approach to education development to redress the problem of fragmented interventions. It called for pooling together of resources (human, financial and materials) through the involvement of all key stakeholders in education planning, implementation, monitoring and evaluation (URT, 1998 quoted in MoEC 2005b). The Local Government Reform Programme (LGRP) provided the institutional framework.
Challenges include the considerable shortage of classrooms, a shortage of well qualified and expert teachers competent to lead their learners through the new competency based curriculum and learning styles, and the absence of an assessment and examination regime able to reinforce the new approaches and reward students for their ability to demonstrate what they know understand and can do. At secondary level there is a need to expand facilities necessary as a result of increased transition rates. A major challenge is the funding gap, but the government is calling on its development partners to honour the commitments made at Dakar, Abuja, etc, to respond positively to its draft Ten Year Plan. A number of systemic changes are at a critical stage, including decentralisation, public service reform, strengthening of financial management and mainstreaming of ongoing project and programmes. The various measures and interventions introduced over the last few years have been uncoordinated and unsynchronised. Commitment to a sector wide approach needs to be accompanied by careful attention to secure coherence and synergy across sub-sectoral elements. (Woods, 2007).
9. Education and School Leadership in Tanzania and the Impacts
Education and leadership in primary education sector in Tanzania has passed through various periods as explained in the stages above. The school leadership major reformation was maintained and more decentralized in the implementation of the PEDP from the year 2000 to date. This paper is also more concerned with the implementation of globalization driven policies that influence the subjectivity of education changes. It is changing to receive what Tjeldvoll et al. (2004:1; quoted in Makule, 2008) considers as “the new managerial responsibilities”. These responsibilities are focused to increase accountability, equity and quality in education which are global agenda, because it is through these, the global demands in education will be achieved. In that case school leadership in Tanzania has changed. The change observed is due to the implementation of decentralization of both power and fund to the low levels such as schools. School leadership now has more autonomy over the resources allocated to school than it was before decentralization. It also involves community in all the issues concerning the school improvement.
10. Prospects and Challenges of School Leadership
10.1. Prospects
The decentralization of both power and funds from the central level to the low level of education such as school and community brought about various opportunities. Openness, community participation and improved efficiency mentioned as among the opportunities obtained with the current changes on school leadership. There is improved accountability, capacity building and educational access to the current changes on school leadership. This is viewed in strong communication network established in most of the schools in the country. Makule (2008) in her study found out that the network was effective where every head teacher has to send to the district various school reports such as monthly report, three month report, half a year report, nine month report and one year report. In each report there is a special form in which a head teacher has to feel information about school. The form therefore, give account of activities that takes place at school such as information about the uses of the funds and the information about attendance both teacher and students, school buildings, school assets, meetings, academic report, and school achievement and problems encountered. The effect of globalization forces on school leadership in Tanzania has in turn forced the government to provide training and workshop for school leadership (MoEC, 2005b). The availability of school leadership training, whether through workshop or training course, considered to be among the opportunities available for school leadership in Tanzania
10.2. Challenges
Like all countries, Tanzania is bracing itself for a new century in every respect. The dawn of the new millennium brings in new changes and challenges of all sectors. The Education and Training sector has not been spared for these challenges. This is, particularly important in recognition of adverse/implications of globalisation for developing states including Tanzania. For example, in the case of Tanzania, globalisation entails the risks of increased dependence and marginalisation and thus human resource development needs to play a central role to redress the situation. Specifically, the challenges include the globalisation challenges, access and equity, inclusive or special needs education, institutional capacity building and the HIV/aids challenge.
11. Conclusion
There are five types of local knowledge and wisdom to be pursued in globalized education, including the economic and technical knowledge, human and social knowledge, political knowledge, cultural knowledge, and educational knowledge for the developments of individuals, school institutions, communities, and the society. Although globalisation is linked to a number of technological and other changes which have helped to link the world more closely, there are also ideological elements which have strongly influenced its development. A “free market” dogma has emerged which exaggerates both the wisdom and role of markets, and of the actors in those markets, in the organisation of human society. Fashioning a strategy for responsible globalisation requires an analysis which separates that which is dogma from that which is inevitable. Otherwise, globalisation is an all too convenient excuse and explanation for anti-social policies and actions including education which undermine progress and break down community. Globalisation as we know it has profound social and political implications. It can bring the threat of exclusion for a large portion of the world’s population, severe problems of unemployment, and growing wage and income disparities. It makes it more and more difficult to deal with economic policy or corporate behaviour on a purely national basis. It also has brought a certain loss of control by democratic institutions of development and economic policy.
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How to Model Your Tennis Technique After Pro Tennis Players
Sep 20th
When discussing tennis technique in general, we normally refer to top players in the tennis. The important question is: Should a amateur tennis player attempt to copy the tennis technique of the pros?
The answer is a cautious Yes if the tennis player is looking to improve their tennis technique and tennis strokes. The takeaway from watching professional players is that something can be learned everytime you watch the pros practice.
World class tennis players usually always share commonalities in their tennis technique that you should model.
It’s a bad idea to try to copy little nuisances and rituals of professional players. Things like John McEnroe’s exaggerated rock back and forth swing before he serves, or Maria Sharapova’s complex ritual before every point may look cute – - but it’s far from what the average tennis needs to incorporate if he or she wants to play better tennis
When watching the pros and attempting to model their tennis technique, it’s important to know what to look for in their tennis strokes and what is a matter of personal preference. Replicating important fundamentals of their tennis technique is the most vital – - and key to improving your own tennis technique.
For the forehand, a good model is Roger Federer, Andre Agassi and Justine Henin Hardenne. All three of these players have exceptional forehand tennis technique and at the same time are the most efficient and clean forehands in tennis for the average tennis player to model. They are great models because their forehands are top of the game while still staying relatively simple.
Attempting to model Rafael Nadal’s Forehand, or Andy Roddick’s serve are two very complicated tennis swings. The reason these two tennis shots are not ideal models to copy is simple – - it contains very advanced elements that recreational and club players may not be capable of reproducing without a firm understanding of the fundamental tennis technique behind the strokes.
Nadal’s Forehand is a powerful tennis stroke, with a massive topspin forehand. Not a bad forehand by any standards, but one that average player should steer clear of trying to copy until they have mastered the basic elements of a sound forehand. Looking at Nadal’s Forehand, we see that his tennis forehand technique is technically sound, but very complex. His wrists, arm and racket goes through several stages just in the preparation phase of the forehand.
Andy Roddick’s serve is another difficult tennis stroke to master. It is a tennis stroke that is only possible by first mastering the basic elements of a more classical serve and having exceptional throwing mechanics. The motion itself requires a great deal of upper body and arm strength, as well as athleticism.
Andy Roddick achieves his world class serve through a rapid abbreviated serve motion where the arm flies in and out of the trophy position faster than any other professional tennis player. The ability of his arm to load prior to contact in such a short burst is responsible for his tennis serve being more explosive than any other player on tour. The external rotation Andy Roddick’s serve achieves is exceptional This tennis technique requires the player to stretch the body to it’s upper limits. It’s a serve that only advanced tennis players should attempt, and even so with caution.
Keys of Modeling Tennis Technique
In looking to model the tennis technique of the pros, it’s important to look for the basic fundamentals behind the tennis technique. Avoid trying to copy any extreme elements and instead aim for simplicity when trying to emulate the tennis technique of the pros. Try to find a good model to base your tennis strokes off of and then let your natural technique emerge while sticking to the fundamentals of proper technique.
Visualize the correct technique you wish to solidify in your game and observe the strokes of the pros. By watching the pros execute their strokes, an unconscious process in your brain will develop, therefore burning the “perfect image” into your mind. This will help you ingrain the technique, because the brain will have a clear file on the correct technique.
Coach Ed is a former nationally ranked tennis player and coach. Optimum Tennis offers tennis instruction, tennis tips and tennis tips at Optimum Tennis
Click here to find out How to Play Better Tennis
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Group Health Insurance
Sep 19th
Health insurance is a type of insurance policy in which the insurer provides for the cost of any or all of the health care services. Today, there are many types of health insurance such as fee-for-service, managed care, and more. Health insurance is offered to individuals as well as groups. Group health insurance is designed to meet the health care needs of employees of large as well as small companies. Group health insurance policy provides medical expense coverage for many people in a single policy. Under group health insurance, the cost of premium is spread out among the members of the group.
Group health insurance offers health care coverage for student organizations, religious organizations, employers, professional associations, and other groups. Most Americans get group health insurance from their employer. In most cases, employer pays all or part of the health care insurance premium.
Group health insurance benefits both employee as well as employer. Employees covered by group health insurance plan, get medical treatment quickly with little or no cost. Compared to individual health insurance, group health insurance is less expensive. Another advantage is that no medical exam is required to qualify for group health insurance.
A wide range of group health insurance plans are available to choose from. Fully insured employer group, small employer group, large employer group, health maintenance organization (HMO), self-funded ERISA, group managed care, and preferred provider organization are some types of group health insurance.
Getting group health insurance quote through websites is quite easy. In order to qualify for a group health insurance policy, employer must have at least 2 full time employees on the payroll. While purchasing a group health insurance, it is advisable to seek the assistance of group health insurance broker. Golden Rule Insurance Company, UniCare, Aetna Inc., Horizon Blue Cross Blue Shield of New Jersey, Health Net of California, and Time Insurance Company are some of the leading health insurance companies that offer group health insurance.
Health Insurance provides detailed information on Health Insurance, Health Insurance Quotes, Affordable Health Insurance, Health Insurance Plans and more. Health Insurance is affiliated with Health Insurance Company Ratings.
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Some Of The Factors To Consider When Buying A Sports Car
Sep 18th
Many people with a fat wallet and a large bank account find themselves pondering what they can spend all their money on. Answer is a brand new sports car that can run the quarter mile in under 11 sec that’s what I would spend my money on.
Here is how to look at buying a brand new sports car, the good ways and the bad ways.
People who are obsessed with sports cars can find every reason why to buy one and every reason why they shouldn’t own one. Some of these pros and cons are listed below.
Sports cars not only fit the lifestyles of the rich and the famous but with every person with a bit of money and wanting to spend it on a nice ride. Many of these sports cars come stock with horsepower going over 500 some with way more like Lamborghini’s or Porsche’s.
Small sporty convertibles will depreciate in value of the years and will get down to worth less then when you bought it. This really depends on the car; Corvettes from the sixties are worth way more now than they were then.
People who love spending all their money on these types of cars can choose between coupes or convertibles I personally like imports over anything I would take a Supra over a high end sports car today. That is a turbo Supra of course.
Most sports cars with an automatic transmission, like most other vehicles, will be worth more than the ones with a standard transmission. There are some exceptions with true sports cars and with sports cars that really need the ability to benefit from the torque that comes from using a manual transmission.
A lot of sports cars are prone to having problems, some of their parts are exotic and may be hard to find. When or if you buy a sports car never expect to get back what you paid for it. These cars are just another way to get around. Many become garage babies and are never run.
Of course driving an expensive sports car means paying a lot more for gas because they usually have the motor with a v-8 or v-12 which will get you about 15 miles to the gallon if you are lucky. This is also a good reason why more people should drive an import, good gas mileage plus high performance.
On the other side of the table though sports cars are already fast when you buy them, but like they say you can make a car as fast as your billfold is fat. That is the beauty of imports, over exotics. If you don’t have the money for a 300k factory vehicle you can always spend a tenth of that and have one probably just as fast with the right mechanic.
Gregg Hall is an author living with his beautiful wife and family in Navarre Beach, Florida. Find more about drifting as well as car care products [http://www.waxyourauto.com] at [http://www.waxyourauto.com]
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Unlimited Movie Downloads – Even My Grandma Downloads Movies
Sep 17th
Unlimited movie downloads are available to us nowadays through online movie stores. Being able to download movies at the click of a mouse has opened up our 17 inch monitor into a movie theater, one that never closes at night, and screens any movie we desire to watch at our beck and call. Such is how far our technology has advanced. We will see why unlimited movie downloads online stores have revolutionized the whole movie industry and what you are missing out if you are still stuck with your VCDs and DVDs.
It wasn’t so long ago when we were still relying on VCRs, acronym for video recorders to watch movies on tapes. If you are born after the 80′s, you probably might have a very vague idea or mental image about what those gadgets are. Perhaps you have sat beside your grandma on the couch watching a recorded TV show or movie from one of those little black boxes, or you have come across one of those in the junkyard or even museum. In the 90s, the arrival of those small little discs called video compact discs or VCDs took the movie industry by storm. Compact by the standards of those days, these still have its place in the home of many Americans. However, fast forward to today, downloading and watching movies online is gaining such great speeds that we simply cannot ignore.
You may wonder what’s the big deal about being able to access unlimited movie downloads. After-all, your VCD and DVDs are working well and not giving you problems right? Let’s see what you are missing out as your neighbor next door is quietly downloading his favorite TV show.
1. Convenience of Movie Downloads
Buying a VCD or DVD is easy if you know what title you are looking for. However, if you are like me who simply want to grab a good show so that you can relax and watch it during the weekend, imagine with me then that you could be doing a little searching at the movie store reading reviews and thinking which movie is good and worth your bucks. You cannot be buying everything you like because they are costly right? Next, you would be queuing with the rest of the folks for your turn to make your payment. Compress that image and envisage you sitting in front of the computer, and with a few clicks, the movie is ready for viewing. Isn’t that cool?
Whether you want to watch a movie or TV show at 4am, or on an off day, the movie sites are there round the clock, ready to serve you with unlimited movie downloads.
2. Cheaper Alternative
Movie VCD and DVD prices have dwindled over time owing to lower costs of production. If you have studied economics, you would understand about fixed capital costs and why mass manufacturing would eventually bring costs down. Nevertheless, to cough out $10 or more for a VCD/DVD is still too expensive to me. Well, after all, you probably would only watch it once and then chuck it aside to collect dust. Download sites however run on a lifetime membership model where you can gain access to virtually unlimited movie downloads. And the best part is you don’t pay for per movie download, but one low payment for lifetime access. We are not even talking about thousands or hundreds of dollars, but the cost of one or two good DVDs.
3. Movie Downloads Are Safe & Legal
People are concerned about downloading movies online. That is totally understandable for two reasons. Downloading a file online can expose your computer to harmful adware or spyware. Worse still, if you are downloading a movie illegally, this could land you in big trouble with the law. But these two problems are well taken care of at these unlimited movie downloads sites. Firstly, they ensure secured downloading and protection against attacks of adware and spyware. Secondly, many of these sites have made agreements with the original producers of those movies such as studios, etc to release those movies online for downloading. With these two worries behind us, it becomes clear that having access to unlimited movie downloads is a strong proposition for us not to ignore these download sites.
These reasons are probably the push factors for more people flocking to their sites instead of heading to traditional movie stores or cinema theaters for a movie. Read a review about those unlimited movie downloads sites at my blog to find out which are the hot favorites among movie viewers nowadays.
Davion is a successful webmaster, author and a movie lover. Read a review of the best unlimited movie downloads sites that offer the latest TV shows, newly-released movies and more at unlimited–moviedownloads.blogspot.com.
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VIX and the Psychology of Markets
Sep 17th
We know that greed and fear rule the markets. But did you know that when investors gets too greedy, markets usually fall, and when investors are overcome with fear, markets usually rise. So how can when we monitor investors emotions and take advantage of investors emotional extremes?
Welcome to the world of investor sentiment analysis.
Investor psychology has been analysed for at least 250 years. Charles MacKay wrote his book, ‘Extraordinary Popular Delusions And The Madness Of Crowds’, in 1841, describing, among other manias, the herd mentality that caused the South Sea Bubble. Since then, many academics have published financial theories based on the concept that individuals act rationally and consider all available information in the decision-making process. But real life frequently demonstrates that the behavior of equity markets is irrational and unpredictable. A field known as “behavioural finance” has evolved over the years attempting to explain how emotions influence investors and their decision-making process. Studying human psychology helps predict the general direction of financial markets as well as many stock market bubbles and crashes. At the height of a period of optimism, greed moves stocks higher, ignoring business fundamentals and therefore creating an overpriced market. At the other extreme, fear moves prices lower, ignoring obvious opportunities and creates an undervalued market.
One important study, (“Aspects of Investor Psychology,” The Journal of Portfolio Management, Summer 1998) found that investors are much more distressed by prospective losses than they are made happy by equivalent gains. Some researchers theorize that investors “follow the crowd” and conventional wisdom to avoid any regret in the event their decisions prove to be incorrect.
QUANTIFYING INVESTOR EMOTIONS OR INVESTOR SENTIMENT
When a stock or market index rises, we know that it means investors are more eager to buy than to sell. But how can we accurately gauge just how investors feel?
Most often, investors are somewhere between mildly positive and mildly negative, and only occasionally do they demonstrate the extremes of greed or fear. It is easier to detect emotion when it is close to either irrational exuberance or outright fear. When markets act this way, it becomes “news” and moves from the business section, to being featured at the start of the evening news, and on the front page of the daily newspaper.
The success of charting as a tool, depends on investors repeating their behaviour patterns. There is always a comfort factor in doing the same as others and generally an aversion to behaving differently. Investors display herding instincts in their behaviour and this has become particularly noticeable among institutional investors. In the early stages of a rising trend in a market, positive sentiment can act as a positive driving force as everyone rushes in to join the party. However, there comes a time after the trend has been in place, when this positive sentiment acts as a warning that the trend is nearing its climax. That’s when smart investors will start switching to alternative investments.
The most sophisticated and active players in the market use derivative products to effect their transactions. These players tend to display earlier changes in emotion than most investors and normally their emotions run to greater extremes. So, derivative markets are a good source of data on investor sentiment. There are various options available on stocks, ETF’s and indexes. By using an option pricing formula, we can extract a measure of how much investors are prepared to pay for the possibility of making a profit, or hedging against a loss. This is known as implied volatility, and it provides a mathematical valuation of investor emotion. Implied volatility tends to be high (the scale is inverted) when the market has had a sharp fall and this is associated with investor fear. At the other extreme, low implied volatility often occurs after a rise in the market and when investors are becoming complacent.
Implied volatility image
http://www.theuptrend.com/ebook/ImpliedvolatilityAA.gif
WHAT IS THE VIX?
VIX is the symbol for the Chicago Board Options Exchange’s volatility index for the S&P 500 (SPX). It is a measure of the level of implied volatility and not historical or statistical volatility. A numerical value for the VIX has been published by the CBOE since 1993. The method of calculating VIX was changed in early 2003. Instead of using the S&P 100 (OEX) Index options, it is now calculated using the options on the S&P 500 (SPX). Also note that the VXN is the symbol for the implied volatility index of the NASDAQ 100 index.
The implied volatilities are weighted to give the VIX a value that in effect acts as the implied volatility of an at-the-money SPX option at 22-trading days to expiration. The VIX represents the implied volatility of a hypothetical at-the-money SPX option. If implied volatility is high, the premium on options will be high and vice versa. Generally speaking, rising option premiums reflect rising expectation of future volatility of the underlying stock index, which represents higher implied volatility levels. The higher the VIX, the more panic in the markets and the greater the chance that investors have given up hope, taken their money, and gone home.
Comparing the movement of the VIX with that of the market can quite often provide clues as to the future direction the market might move. The more the VIX increases in value, the more “panic” is an issue in the market place. On the flip side, the more the VIX decreases in value, the more complacency there is amongst investors. The psychological impact measured by a relatively high VIX is a clear indicator that tells traders markets are oversold. A historic example was displayed on July 23rd 2002 when the VIX shot over 55. That big move coincided with a significant low in the Dow Jones Industrial Average that was followed by a 1,034-point, six-day rally. That rally didn’t stick and the market again re-tested its July low in October of 2002. But throughout this double bottom in 2002 the VIX accurately identified a major directional shift in the market. At its core, the VIX is a statistical measure of emotions, and emotions are a major factor signalling capitulation in the market.
Sample charts
http://www.theuptrend.com/ebook/Impliedvolatility1.gif
http://www.theuptrend.com/ebook/Impliedvolatility2.gif
INVERSE RELATIONSHIP
Extremely high readings of VIX indicate market bottoms, while low readings indicate market tops.
The VIX actually has an inverse relationship to the stock market. This is one of the first things you’ll notice when viewing the VIX on a bar chart. When the VIX goes down the stock market moves higher. When the VIX advances, the stock market is headed lower. Generally speaking, a rising stock market is considered less risky by investors. On the other hand, a declining stock market is considered more risky. Therefore, the higher the perceived risk by investors the higher the implied volatility. This will make options, especially put options, more expensive.
When the phrase “implied volatility” is mentioned, keep in mind that it is not about the size of price swings. Rather it’s the implied risk that is associated with taking a position in the stock market. When the stock market declines, the demand for put options usually increases. Increased demand means higher put option prices.
USING VIX to TIME the MARKET
One early study identified a VIX value of 25 as normal, and a value above 35 as high. Between October 1997 and May 2001 the VIX indicator went above 35 eleven times. In this study, the S&P 500 index as represented by SPY ETF. was purchased each time and held until the VIX retreated below 25. There were 9 profitable trades for an average gain of 3.1% and an average holding period of about one month. By using this VIX timing scheme you could capture 80% of total gains in the market, but your money is only at risk one third of the time.
Sample chart
http://www.theuptrend.com/ebook/Impliedvolatility3.gif
Extremes in fear mark great buying opportunities.
Sample chart
http://www.theuptrend.com/ebook/Impliedvolatility4.gif
THE CONTRARIAN VIEW POINT OF THE VIX
An extended and/or extremely low VIX suggests a high degree of complacency and is commonly considered bearish. From the contrarian view point ,many traders are of the opinion that if the VIX becomes low, they’ll begin looking for a reason to begin selling stock. On the flip-side of the coin, a very high VIX can indicate a high degree of anxiety which often leads to panic among options traders. This action is often considered bullish by the contrarian, and they’ll look for reasons to begin buying stock. High VIX readings usually occur after an extended or sharp market decline with investor sentiment still very bearish. Some contrarians view readings above 35 as bullish. Hence, they’ll begin looking for a major market turn to the upside.
The VIX should be used in conjunction with “regular” analysis of price action on price charts. The wise trader will never make a purchase or sale based solely on the price level of the VIX. The wise trader will use the VIX (and its support and resistance levels) in conjunction with the price action of charts of the S&P 500, the Dow, and the NASDAQ.
Using the VIX with charts of these indices will help you get a good grasp of the current market psychology. Since market movements are based entirely on human emotions, it is important for traders to understand psychological indicators. When the VIX is used correctly it helps you stay on the right side of the market and make profitable trades.
SUMMARY
Understanding Investor Sentiment (or Investor Psychology) is by far the most powerful tool an investor can use to understand exactly where the stock market is, and where it is going. But it is often hard to digest, as it is counter intuitive to our human nature.
Here is a recent example that will help illustrate this point.
In September 2005, the TSX was making multi year highs. While the VIX Indexes was down near multi year lows. Standing back and looking at these two pieces of information, you might question the wisdom of adding long-term money to this market at this time.
You might, but human nature would not.
From GARY NORRIS
Canadian Press
Mon Oct 17, 3:58 PM ET
Canadians are shovelling money into mutual funds almost like it’s 2001 again, with September purchases of $1.8 billion – up from net redemptions of $545 million a year ago.
The Investment Funds Institute of Canada said Monday that investments in long-term funds – equity, bond and other funds excluding short-term money market funds – topped half a trillion dollars for the first time. “This underlines the fact that investors are making long-term commitments to funds, and not simply parking their investments temporarily in money market funds,” commented Tom Hockin, president of the fund industry association.
Sales in the first nine months of the year, net of redemptions and excluding reinvested distributions, totaled $18.4 billion, “the highest net sales figure since the same period in 2001,” Hockin observed.
Yes, you read that correctly, Canadian have not been this enthusiastic since the last time the market was peaking.
TSX Sample Chart
http://www.theuptrend.com/ebook/ImpliedvolatilityB.gif
Now we don’t have enough data yet, but since Canadian Mutual Fund investors did their “extreme” mutual fund shopping last month, the market has already dropped 800 points.
Now ask yourself, if you were going to put money into this market, was September the best, low risk time to do so in the past 5 years? Were these investors thinking analytically, or did the emotion of greed cloud their judgments?
My guess is that this is what I like to call “Panic Buying”, of Canadian Mutual Funds last month, will signal the very top of this market, and be the catalyst for a major sell off.
Only time will tell if I am right.
Stephen Whiteside has been trading since 1974 and has been CEO of the stock trend analysis site, http://www.TheUpTrend.com for the last 5 year. Enter “Smart Money Alerts” into nay search engine, and you will see his work is currently ranked #1 around the world.
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Twelve Car Insurance Money Saving Tips For Much Cheaper Premiums
Sep 16th
It can be quite a daunting experience trying to purchase car insurance, and with the myriad of products and sales channels available today, it is often difficult to know where to start the process. It can be even more complicated when you start to look to reduce your premiums without sacrificing either your levels of cover or increasing your risk.
As most motor insurance is basically rated by your birth date and age, and your postcode or zip code, short of moving property or growing older, it often appears that reducing your vehicle insurance premiums is an impossible task.
This is not necessarily so! Whichever method or distribution outlet you use to purchase car insurance, if you consider these twelve money saving tips, implementation of any one will virtually guarantee a reduction to your premiums at both onset of a policy or at renewal. By simply making changes to any one of these premium rating factors that go to make up the quotes you are given, will result in an alternative quote which should be to your favour.
The money saving tips explained
Before we start remember – Don’t automatically renew your policy with the same company. It is virtually guaranteed that you could get like for like cover cheaper with another insurance company if you shop around and compare covers and prices from different providers.
1. Investigate on the Internet – Visit different suppliers
If you were getting paid at least £150 or $200 for two hours work, you should be pleased. That is the minimum you should look to save on your annual premiums by spending a couple of hours shopping around for quotes on the Internet.
Visit a car insurance supermarket comparison site. If the premiums are too expensive but you like the cover offered by a particular insurance company then, visit the supplier direct and cut out the expense of the middleman.
The large motor insurance comparison sites you see advertised all the time on television will send you off to the suppliers site themselves to complete ‘the deal’, so its best to close down the application, clear the cookies from your browsers memory to ensure that you are not charged their commission inclusive rates, and visit the insurance company direct.
Additionally you should visit a specialist auto insurance scheme provider. These were once only available on the High Street but are now springing up everywhere online. No matter what your particular individual needs, be it lady driver cover or perhaps classic car cover, specialist car insurance providers by their very nature usually offer cheaper quotes as they benefit from the economies of scale allowed by group buying of cover.
2. Do your research
Who is offering deals on television at the moment? Everybody who seeks motor insurance is an individual with a different car and individual cover needs dependant upon their circumstances. Write down what you think your exact cover needs are and think about where you might find providers for your individual needs. For example, if are you a senior citizen, you should search on the Internet for specialist car insurance schemes for over fifties.
3. Go for a no frills policy
If you are not worried about quality of cover and only require basic road risks, go for one of the many policies now being offered by insurance supermarkets as ‘value car insurance’. These policies usually only offer the very basics of cover required under the Road Traffic Act, however may be very suitable for low mileage, cheap cars and younger drivers.
4. Only get cover for what you need
Why pay for car breakdown insurance or other sometimes hidden extras such as the cost of including a replacement vehicle should you have an accident, when you already have AA breakdown cover and another car sitting on the driveway at home that you could use. Check your existing policy cover details carefully and exclude all unnecessary or duplicate covers.
5. Take on the risk yourself
With Car Insurance you have two basic options for taking more of the risk on yourself. These being, one by choosing how much cover you require in the first place, that is, either comprehensive or third party, perhaps with the fire and theft options included. Secondly you are given the option on most systems to choose how much of the cost of damages of an accident you are prepared to take on board yourself, before you call on the insurance company to make a claim. This is known as the voluntary excess and is the amount that will always be deducted first from any amount you claim. If the cost of repairs of an accident are not much more than the voluntary excess amount you have chosen then it would be prudent to pay for the repair costs yourself, rather than lose your no claims bonus.
6. Reduce the cars risk with improved car and location security
If you park your car off road or garage it at night you will receive further discounts. If you own a classic car which does not have them fitted as standard, fitting security devices, for example car alarms, immobilizers and GPS trackers to your car will substantially reduce your premium
7. Improve your driving or change your lifestyle
If you need to make a claim because of the way you drive, or if you have more than one SP30 for speeding, your premiums are going to be heavily loaded at renewal. You can reduce your insurance costs therefore by improving the way you use your car or changing your lifestyle.
8. Cut down on your Car’s Usage
By thinking about how you use your car and reducing unnecessary journeys you will be cutting down on your cars usage and by implication the risk you present to an underwriter. Check how many miles you run up each year and make sure that this is what you are paying for! Do not make a false mileage declaration in an attempt to save money because in the event of a claim, your mileage and MOT if applicable will be noted by a claims assessor. If there is significant difference between the declared mileage and the actual amount you have driven, you risk having the claim refused or seriously reduced in value.
9. Pay the full premium amount upfront
Most UK insurance companies charge additional costs for handling monthly direct debit payments. There is often a five to ten percent effective discount if you pay immediately online or over the phone by debit card.
10. Investigate Specialist insurance and Car Insurance Schemes
Investigate insurance specialists that target specific groups of people of car type, for example performance motor insurance or cover for young drivers. These schemes offer with unique policy options and cover modified for the particular specialist driver group. They are often far cheaper than standardised covers offered by comparison sites as they have group bulk buying economies of scale regarding underwriting and claims and a known risk pool of similar types of people and car.
11. Join a Car club
Many car owners clubs and specialist marques clubs have special affinity group rates for specialist car insurance schemes. The cost of getting membership of these clubs can often be less than the five to ten percent savings you can make on your premiums by joining such a scheme.
12. Take an Advanced Driving Course
You can save a further large percentage with most online insurance companies if you have taken an advanced driving skills course or ADC. The courses are run nationally and the cost of the course is outweighed by the annual savings you will make on your insurance premiums. The savings are greater for young drivers and this is one of the few positive actions that a young driver can make to reduce his or her annual vehicle insurance costs.
And Finally – Haggle!
And here’s an extra tip which we often find works when all else fails. Complete a quote on the Internet for the policy you desire with the company you like. Do not complete the quote beyond the screen where the premium prices are displayed, merely save the quote reference number. Quotes are usually legally binding for thirty days.
Leave it a while then pick up the phone and call the insurance company. Tell them that you’ve had problems completing the quote online. They will ask you the quote reference number and then have all you details in front of them. When they tell you the quote amount (which you should know already), tell them that you’ve got a quote that is, say a hundred cheaper at so and so company, and ask if that’s the best they can do. Just by haggling you will be surprised just how much you could save on your car insurance costs!
Dave Healey is a specialist car insurance expert whose field of expertise extends from underwriting Classic Car Insurance polices at Lloyds , to designing car insurance supermarkets online.
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Choosing The Right Bowl For You
Sep 16th
Choosing the set of bowls of the most important issue to face most bowlers when they begin to play the sport.
Yet, judging by the number of people I see whilst coaching and also on my travels, I would estimate that between thirty and forty per cent of them are using the wrong-sized bowls.
The popular method of determining bowls size has been to have the bowler span around the bowl with the middle fingers and the thumb of each hand. If the fingers and thumbs just meet around the running surface the bowl is supposed to be the right size. This theory may work in some cases, but it misleads many people.
I believe the only way to find the correct size is to swing a number of various sized bowls in the hand. With a new player, I would place a bowl in the hand and adjust the fingers to the correct grip that felt comfortable to the player.
Then I would ask the player to swing the hand back to the furthest point on the backswing. If the player feels the bowl may drop, then it is obviously too big. If the bowl can be handled with ease, than a larger size could be tried. Using this method, the player would be able to determine the largest bowl that could be comfortably and effectively used.
The next decision would be whether to use a heavy weight or a medium weight bowl. In the UK, a great number of bowlers actually own two sets of bowls. They may use a heavy weight one on the faster indoor surfaces and then change to a medium weight on the slower outdoor surfaces.
Many other players, including myself, use a heavy weight bowl on both indoor and outdoor surfaces. The heavy weight bowl certainly has advantages on a fast outdoor green on a windy day as they are less liable to be affected by a gusty crosswind. Also the heavy bowl can displace a lighter bowl more easily in the head.
The final decision whether you play with a heavy weight or a medium weight bowl will probably depend on comfort in the hand and whether your wallet can stretch to the purchase of two sets.
Often in the clubs players will argue the merits of one bowls manufacturer against another. The bowls companies all produce a variety of models and all manufactured to a high standard. Choosing any particular model will depend on what suits you best – whether you intend to play indoors and outdoors or you want a bowl specifically for faster indoor greens.
Though many club bowlers do watch the star players perform well on television and often purchase the same models as their favourite players.
These are some of the bowls available from the different companies:
HENSELITE has a wide variety of models, which include the CLASSIC – traditionally the choice for outdoor bowlers in the UK. The bowl has a wide arc and ‘hockey stick’ finish and though good outdoors, may prove a disadvantage on faster indoor surfaces.
The CLASSIC II is regarded by many as the best performing modern bowl. Designed to run straighter, with a less pronounced swing, it is ideal for UK indoor carpets. Many players do use these bowls both indoors and out.
The TIGER is the ‘New Kid on the Block’ and used by many Henselite sponsored players in television events. Greg Harlow and Ian Bond both won World Bowls Tour ranking tournaments last season using this model of bowl. Designed for both indoor and outdoor use, this model has a slightly wider bias than the Classic II and is only available in heavyweight.
The DREAMLINE is fairly new to these shores and is a narrow running bowl suitable fr very fast surfaces, and would certainly not be suitable outdoors in early May!
In the ALMARK range, Henselite has three models – the STERLING GOLD for outdoor use with a wide bias; STERLING KING, a narrow running bowl ideal for faster greens, and the STERLING SLIMLINE, a bowl with a narrower profile to fit the hand, but suitable for both codes.
DRAKES PRIDE provides the PROFESSIONAL, which has proved to be a very popular bowl in the UK. This bowl is used by many bowlers, both indoors and outdoors, and is ideal for those players not wishing to purchase two sets. Many top players would agree that this bowl has proved versatile in all conditions and on many different surfaces.
The ADVANTAGE is a tight running bowl and would only prove suitable on faster greens, preferably for front-end players.
The PROFESSIONAL PLUS is an outdoor bowl and would be similar to the Henselite Classic, therefore probably suited to slower outdoor conditions.
THOMAS TAYLOR also provided a wide selection to include its traditional outdoor bowl – the LIGNOID.
The ACE is probably its most popular bowl with many indoor bowlers and is used successfully by twice World indoor champion Andy Thomson. This is another bowl that can also be used successfully outdoors.
The VECTOR has a narrower line and would be popular on fast surfaces, especially for front end players, while the LAZER is a slim profile bowl with a narrow bias similar to the Vector. The advantage of this bowl is that it has been developed for comfort in the hand for those with smaller hands.
THE LEGACY also has a slimmer profile, but unlike the Laser has a wider arc and is considered a mid-bias bowl that could also be used outdoors. Taylor also produced the SPECTRUM and INTERNATIONAL, which are stronger in bias than the Ace.
Many of these bowls are now available in many colours, as well as traditional black, and it would be best to check availability with your local bowls retailer, though always remember that at present coloured bowls are only available in heavy weights and that relevant weight and sizes are published in most bowls catalogues.
This way you can check the relevant weight difference between heavy weight and medium weight bowls. My personal advice to any new bowler would be to select a mid bias bowl that will prove useful on most surfaces, for example Drakes Pride Professional, Henselite Classic II and Tiger and Taylor Ace would fall into this category.
As you gain experience, you may decide to try a narrower running bowl if you have a very fast indoor carpet. One word of warning – many bowlers believe the tight running bowls make the game easier and believe they can virtually bowl straight. That is not the case as in many instances weight control will need to be much better with a narrow running bowl as there is little margin for error and the tight running bowl will not bend with excessive weight.
With so many bowls on the market, always seek advice from a specialist bowls retailer and if possible inquire whether you might be able to try the model you wish to purchase. Sometimes bowls shops based inside indoor stadiums hold sample bowls that can be tried.
Finally, always remember no matter what set of bowls you purchase, you still have to bowl them – sometimes it is easier to blame the bowls when we play a bad game rather than our own poor play.
John Price Former World Indoor Singles Champion Resident professional at Potters Leisure Resort, Norfolk the home of world bowls http://www.pottersholidays.com/
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What is the Difference Between Basic and Gourmet Cooking?
Sep 14th
How does Basic Cooking differ from Gourmet Cooking?
Basic Cook:
I think the majority of us are basic cooks. In my opinion, being a basic cook means that the meals are planned, time consuming and tasteful. Basic cooks have tried and tested meals that suit their individual/family’s taste. Basic cooks know what they like to eat and approximately how long it will take to prepare those meals. With our busy life-styles basic cooks want their family’s well feed with healthy well balanced meals. Every family has his/her favorite dishes and will proudly claim that the recipes for those favorites are family secrets. Generally, people will go to restaurant for a gourmet meal. A gourmet restaurant serves the highest quality food. With a sense of adventure you can learn how to cook gourmet meals at home.
Gourmet Cooking:
Epicure is a connoisseur meaning having an acquired refined and discriminating taste in foods and wines. An old French alteration (influenced by gourmand, glutton) of gourmand. Gourmet meals involves high-quality ingredients with skilled preparation. Gourmet cooking involves only high quality and fresh ingredients. Let us compare. In basic cook if a recipe calls for garlic usually powdered garlic is used. With gourmet cooking only fresh chopped garlic is used. Consider if herbs are called for shop locally or consider growing your own. Having your own herbal garden saves money and make a world of difference in the taste of your gourmet experience. Not only do are herbs taste bud delights but they carry health benefits. In basic cooking we may defrost meat or use frozen vegetables. Not in gourmet cooking ONLY fresh. Gourmet chefs consider their meals works of art. There is a balance between colors and texture. Cooking time is important because it effects color and texture.
Let us compare a Basic Cook Salad to a Gourmet Salad:
Basic salad would consist:
-Iceberg lettuce 1/2 (shredded)
-1 garden tomato
-Shredded carrots (2)
-Green onions (4)
-½ chopped cucumber
-Choice of dressing
Gourmet Salad:
Tropical Fruit Salad with Mint – serves 8
1/2 cup chopped onion
1/2 cup chopped green bell pepper
2 (10 ounce) packages mixed greens
4 thinly sliced chicken deli meat, chopped
1 tomato, chopped
1/4 tsp onion powder
3 dashes garlic powder
1 pinch ground black pepper
2 pinches salt
3 tbsp balsamic vinaigrette salad dressing
Saute onion and bell pepper until soft; set aside to cool.
In a large salad bowl, combine the onion, pepper, salad greens, deli meat and tomato. Sprinkle with the onion powder, garlic powder, black pepper and salt. Toss to mix.
Pour on enough salad dressing or vinegar to coat, toss again and serve.
Recipe provided by: free-gourmet-recipes
I am not suggesting cooking only basic or gourmet. Consider alternating between basis and gourmet cooking. Gourmet cooking is more time consuming and expensive than basic cooking. My comfort level was basic cooking but after my initial trial and error period gourmet cooking became quick and easy. The advantages are greater taste and quality. Compare the costs of dining at a gourmet restaurant and consider the money saved learning how to cook gourmet at home. Your family and friends will take pleasure in in your new gourmet meals.
Article Source:
http://EzineArticles.com/?expert=Gail_Cole