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Watching Television – Improve the Quality of Your Relationships By Watching Less Television
Aug 17th
If you are the average person living in the United States you are probably watching about 19-20 hours of television each week. If we just turned off our televisions we could be so much more productive. Many people would find other ways to waste that same amount of time if they weren’t watching television. So the real question is: Just how bad is it if you spend too much time in front of the television?
Probably the most important reason to stop watching television or at least to cut down the number of hours that you watch is related to your health. Both adults and children that watch several hours of television each day tend to be overweight and in poorer overall health than their counterparts who are not watching. This is because television viewing is a sedentary activity that requires no physical exercise. You are also more likely to eat more while you are in front of the television. Many people are surprised to learn that they have consumed so many extra calories while sitting in front of the tube. With the emphasis on eliminating obesity in both children and adults in the United States, cutting down on your viewing is probably a wise decision. Instead of watching for an extra hour go for a walk and spend some time talking to your friends and family.
Another reason to watch less is that your relationships suffer when you are focusing your attention on the television instead of the people around you. Decide when you will turn off the television and spend time together with your family members without any distractions. Some families chose to turn off the television for a half hour before they eat dinner and not turn it on again until a half hour after everyone has finished eating and everything has been cleaned up and put away. This gives you time to talk to each other and deepen your relationships with each other. Television shows are about other people’s lives, not yours. Learn more about what your family members have been doing all day and what they think and care about in the world.
Television viewing is seen by some to be a relaxing activity but studies show that watching certain programs can be very stressful. If you are getting your news strictly from viewing it on television the graphic nature of how it is presented can be harmful to your emotional well being. This is especially true of children. They can be negatively affected by seeing crimes and fighting on television. Try to get most of your news from reading about it in the newspaper, magazines, or on the internet instead of viewing it directly.
See if you can agree with your family to only watch one hour of television each day for a week.
- Record the shows you want to see so that you can eliminate the commercials. You may find that you will not have any interest in seeing shows you have recorded after a day or so has passed.
- Make it a rule not to eat snack foods while sitting in front of the television.
- Let each family member choose one show to record and have the entire family watch that show together. Use it as a time to discuss the issues that arise during the show.
- Spend time together as a family in front of the television without turning it on. You may have become so accustomed to turning the set on that it has become almost like a friend. Wean yourself away from that behavior.
- Play cards or board games in front of the television without turning it on. This will help you get to know each other and to listen to what the other person is saying.
After a week or two of limiting your television viewing habits you may find that you don’t miss it as much as you thought you would. But remember that watching television is a habit that you can easily fall back into. Remind your family regularly about what you have all agreed to do regarding the television and help each other to remember your rules.
By making rules about watching television and strictly adhering to them, you and your family should benefit by having more time together, eating less snack food, having more to talk about to each other, and feeling more relaxed in your daily life.
Connie Ragen Green is a motivational writer, speaker, and mentor who turned off her television more than a year ago. To find out more visit her at http://greenhouse.typepad.com/law_of_attraction
Article Source:
http://EzineArticles.com/?expert=Connie_Ragen_Green
Taking Gourmet Cooking Classes
Aug 16th
Impressive Gourmet Foods
Joining a creative cooking school will teach you the necessary skills you need to prepare gourmet foods. There are many different gourmet foods you can learn to cook, such as gourmet meats, seafood, coffee, chocolate, and more.
Hard to Find Meats
Gourmet meats are especially popular finer gourmet foods and this includes ribs, pork chops, and smoked turkey, just to name a few of the many you can choose from. Gourmet meats can be implemented into meals all throughout the day, and there are various cuts of gourmet meats, which differ in terms of their tenderness and flavor.
If you do live in an area that has a great supply of gourmet meats make friends with the in house butcher. Tell him what type of event you are planning and how many people will be attending. He will be able to furnish you with all the information about the type of meat and its cost that you can serve to your guests that is sure to impress. Locating Gourmet Coffee
Finding that perfect cup of gourmet coffee amongst the myriad of brands available can be a tedious task. The flavor is contingent upon many factors. They type of bean and where it is grown, the way it is shipped and packaged, how fine the grind and finally brewing method.
Starting or finishing a meal of finer gourmet foods with a cup of gourmet coffee is adamant. If you have spent the time and extra money on the main course you will also want to serve the most flavorful cup of java. Starting with a flavored coffee and ending with a cappuccino or espresso is recommended.
Finally the Chocolate
Of course no talk of finer gourmet foods would be complete without discussing gourmet chocolate. Everyone loves chocolate, and in fact there are very few foods in history that are as highly prized as chocolate.
Gifts of gourmet chocolate truffles, fudge, dipped fruits etc., are all highly prized by the recipient. They can be found online and shipped directly to your friend or loved one.
Searching for finer gourmet foods can be done easily online. They can be shipped conveniently to your front door and added to your next gourmet meal or dinner party menu. Whether you are looking for gourmet meats, coffee or chocolates it is always worth it to take gourmet cooking classes. The the extra time and effort will definitely pay off with the compliments you will receive.
Find the latest information on Creative Cooking School as well as Cooking School.
Article Source:
http://EzineArticles.com/?expert=Steven_Milstone
Modern Kids Furniture
Aug 14th
If you are the designer type and take pleasure in adding exclusive expressions in your house, you are perhaps elated regarding the prospect of including interesting elements in your child’s playroom or room. In effect, if you are not expert with designing distinctive styles, you can do minor adjustments for having that enduring effect within your kids room. When it comes to personalization and customization, the choices are endless. You can put wallpapers or paint for extra patterns and color. Among all, the most essential element is adding modern kids furniture in your child’s room.
There is a wide variety of options available in modern children furniture, such as beds and nursery, tables and desks, shelves and storage, activities and toys or my pet lamps for your children room. To select the right kind of kids furniture, there are certain points to consider, such as adaptability, fun and durability.
When picking modern kids furniture, durability is of utmost importance. Children play rough and it is feasible to purchase sturdy kids furniture for both boys as well as girls. You surely want something, which will stay for a longer period of time. Even if the kids do not share a room, the bunk bed is a good option, since it provides them more room to play with friends. Bunk bed can also be a great place for storing some belongings. These beds are generally built better because they are essentially meant to hold years of hiking in plus out of them.
In addition, adaptability is a good consideration while buying children furniture. There are various convertible cribs, which are flexible enough to be converted into kids beds, twin beds and day beds, with support braces and mattresses. Fun is essential to children. There is numerous imaginative unique kids furniture accessible like the cars shaped beds, P’kolino clothing tree and EVA MINI foam chair.
When making a themed room, consider adding modern kids furniture [http://www.themodernkid.com] in fusion with other pieces for supporting the main kids furniture, such as kids table, kids chair or kids bed. It chiefly constitutes wall décor, wallpapers, my pet lamps or art, which will make the kids room appear cohesive. For instance, you can include an angora, piggy or a nautical lamp to a room with pirate theme.
For small girls, the princess life can take a totally novel meaning with the modern kids room furniture. A P’kolino toddler bed and matching Bebe 2 Dresser with 5 drawers or Bebe 2 Cabinet with Shelves or canopied bed with vanity could work wonders and offer great fun play time to your small princess.
As your child grows, certainly so will the styles of modern kid’s furniture. Luckily, the modern children furniture comes in a huge variety of styles and designs for the adult kids too.
With considerate planning, the parents must always ensure safety guidelines for any equipment or modern kids furniture to which the kid will have access. When picking child furniture for your home, make sure you remember your kids interest as well as lifestyle. Select a bed and kids room furniture, which can grow with your child over time and can also be handled to their little sister or brother.
Ruth A Ford is an experienced interior designer. With her focus being on the use of modern kids furniture [http://www.themodernkid.com].
Article Source:
http://EzineArticles.com/?expert=Ruth_A_Ford
4 Great New Cooking Contest Websites Foodies Will Love!
Aug 13th
One great way to enjoy fair competition, know where your culinary skills and knowledge stand and to make money online is to join a cooking contest website by a simple sign up procedure. You get to enjoy food related news and views and the simpler ones call for writing in your favorite recipe to qualify for a chance to win something while other cooking contests require you to go through the activity of preparing a meal yourself to be in the running for a prize. Depending on your preferences, you can enter the cooking contest of your choice on many websites sponsoring these.
1. One such website promoting food related competitions online is Cooking Contest Central, a website dedicated to storing info on cooking contests and where to find them; it also has calls for submission of recipes. At times, some of these websites come with a minimal subscription fee and Cooking Contest Central has annual charges of $25! This fee is in lieu of the information and alerts it sends the way of its members, such as contest news, with details on deadlines for upcoming ones and reminders about them through e-mail, including those held for cooking professionals and those meant for kids.
Acting as a news directory in this specialized domain, Cooking Contest Central gives basic information about contests and links to other websites for additional info members may find useful while also providing a common platform for interaction online for the subscribers.
2. Another great website related to cooking contests is Food Reference, which also has a remarkable listing of various cuisine competitions on a single web page reserved solely for this type of info; there are no charges for the info stored here, including a short explanation of the contest requirements and its deadline. Recipe submissions are the most popular category here though there are cooking contests details also mentioned such as preparing the perfect menu for a block party, how to encourage better fruit and veggie eating habits for the family and tips on making an advert!
3. The third new website, Contest Cook, comes on the lines of the first (Cooking Contest Central) and charges a subscription fee of $25 a year to enable members to access information about various cooking competitions, including additional details, last dates, prizes applicable (if any) and the rules for the contests.
This is a useful site for the foodies that love to cook because there’s something for every kind here: be it a professional cook, the state-level food fair, other thematic contests or archived ones, there’s really no dearth of information about ongoing cooking contests and those coming up! Past competition winners chat with members on a message board that facilitates communication about cookery news and views and best recipes get a separate page so aspirants get a better idea of the judging style. A section on forms allows entrants to keep a record of recipes submitted while the web master gives members handy hints on how to compete too!
4. Proof Positive is a website offering cooking contest listings free of charge and has 2 main segments to it: ongoing contest listings and deadline based ones, with newer competition listing being added frequently. They give comprehensive details so are a good bet to try for cooking contest links, rules, prizes and more!
Abhishek is a cooking enthusiast! Visit his website http://www.Cooking-Guru.com and download his FREE Cooking Report “Master Chef Secrets” and learn some amazing Cooking tips and tricks for FREE! Learn how to create the perfect meal on a shoe-string budget. And yes, you get to keep all the accolades! But hurry, only limited Free copies available! http://www.Cooking-Guru.com
Article Source:
http://EzineArticles.com/?expert=Abhishek_Agarwal
Pros And Cons Of Online Education For The World Citizen
Aug 12th
More and more young people are choosing non-traditional education to start and advance in their careers while completing and furthering their formal education. “Typical distance learners are those who don’t have access to programs, employees who work during scheduled class hours, homebound individuals, self-motivated individuals who want to take courses for self-knowledge or advancement, or those who are unable or unwilling to attend class” (Charp, 2000, p. 10). Three key elements surround the online learner: technology, curriculum, and instructor (Bedore, Bedore, & Bedore, 1997). These elements must be keenly integrated into one smoothly and operationally functional delivery tool.
While an online method of education can be a highly effective alternative medium of education for the mature, self-disciplined student, it is an inappropriate learning environment for more dependent learners. Online asynchronous education gives students control over their learning experience, and allows for flexibility of study schedules for non traditional students; however, this places a greater responsibility on the student. In order to successfully participate in an online program, student must be well organized, self-motivated, and possess a high degree of time management skills in order to keep up with the pace of the course. For these reasons, online education or e-learning is not appropriate for younger students (i.e. elementary or secondary school age), and other students who are dependent learners and have difficulty
assuming responsibilities required by the online paradigm.
Millions of students use e-learning solutions in over 140 countries: corporations such as Kodak and Toyota and education providers like ExecuTrain, New Horizons, the Enoch Olinga College (ENOCIS), Phoenix University amongst the hundreds of schools and colleges.
Studies have shown student retention to be up to 250% better with online learning than with classroom courses. Several recent ones have helped frame the debate. The Sloan Consortium published a widely distributed report titled “Growing by Degrees: Online Education in the United States in 2005″ that examined the growing prevalence of online education across U.S. institutions.
In addition, a study conducted by the Boston-based consulting firm Eduventures found that, while about half of institutions and more than 60 percent of employers generally accept the high quality of online learning, students’ perceptions differ. Only about 33 percent of prospective online students said that they perceive the quality of online education to be “as good as or better than” face-to-face education. Ironically, 36 percent of prospective students surveyed cited concern about employers’ acceptance of online education as a reason for their reluctance to enroll in online courses.
But what actually drives quality? A March 2006 report released by the U.S. Department of Education’s Office of Postsecondary Education identifies six quality indicators: mission, curriculum and instruction, faculty support, student and academic services, planning for sustainability and growth, and evaluation and assessment.
The debate rages on while the Pros and Cons of Online Adult Education for today’s international students are constantly analyzed to determine if this type of education platform can deliver predictable and measurable results.
The Enoch Olinga College (ENOCIS) is one institution which uses this type of delivery system. ENOCIS enhances their learning experience by offering many other “value added”, cost reducing benefits to students. Online pupils can apply for scholarships available to students of excellence and other financial aid programs like the Parent Loan for Undergraduate Students (PLUS), with attractive interest rates. They also provide convenient payment facilities, on line banking, Western Union Quick Collect, bank cards and a student who is granted a loan can start repaying it after two months if they have a corporate guarantor.
Pros of Online Education:
The key advantages of the online education experience are briefly explained below:
1. Cheaper: Online courses may be more affordable than those offered at colleges or trade schools. You may also save on transportation costs like gas, bus passes, and parking permits because you don’t need to commute to school and there are no housing or meals plans to worry about since you do not need to live on or near a college campus. Housing expenses and other costs associated with living expenses are usually the most expensive aspects of a college education, so by taking an online course you could save quite a bit of money.
The best part of online education is the absence of travel and immigration problems. Some students may prefer not to pursue traditional on campus education, as it involves traveling to attend lectures. With online education, an applicant does not need to travel. Courses simply require accessing the internet in order to begin the learning process.
2. More Convenient: By taking courses online, you’re able to decide when you study and for how long. You are also able to schedule your studying around your work or social schedule.
Since you’re not bound to a classroom, you may do your work wherever you have access to a computer and the internet. You’ll be able to set your own pace and decide exactly how fast you want to go over the material.
Take online courses when you need them, not based on some college’s annual or semester schedule. You can learn when you need it (Just-In-Time) A course is as close as a computer with an Internet connection.
3. Flexibility: with no set class times, you decide when to complete your assignments and readings. You set the pace. In some programs, you can even design your own degree plan. The online students can carry out their private or official work, along with the online education. As it provides the convenience of time flexibility, a student can login and logout as per his desire whereas, the traditional education do not provide such flexibility in learning.
Flexibility of online education allows the student control over their studies. They can allot more time in the topics, which they feel comparatively hard and vice versa. The speed of learning depends solely upon the students.
4. Technology: With the help of the scientific technology, students can do their online education at any place. The only mandatory pre-requisite is the availability of computer along with an internet amenity. Side benefits include the learning new technologies and technical skills
5. Availability: distance-learning opportunities have exploded over the past few years, with many accredited and reputable programs.
6. Accessibility: with an online course, you can work on the course just about anywhere you have computer access. Your learning options are not constrained by your geographic location. The new virtual classrooms have created a myriad of learning opportunities for global learning and education center. On line education is a new era experience adapting to the needs of the world citizen.
7. Self-Directed: you set your own pace and schedule, so you control the learning environment.
8. Time Spent in Classroom: now you can take a course on just about any subject without ever having to be in, or travel to, a classroom so you have very little wasted time. Note, however, that some distance-education programs still do have an in-class component and normally to receive a fully accredited US university degree an international student must spend one or two semesters on campus.
9. High Quality Dialog: Within an online asynchronous discussion structure, the learner is able to carefully reflect on each comment from others before responding or moving on to the next item. This structure allows students time to articulate responses with much more depth and forethought than in a traditional face-to-face discussion situation where the participant must analyze the comment of another on the spot and formulate a response or otherwise loose the chance to contribute to the discussion.
10. Student Centered: Within an online discussion, the individual student responds to the course material (lectures and course books, for example) and to comments from other students. Students usually respond to those topics within the broader conversation that most clearly speak to their individual concerns and situations resulting in several smaller conversations taking place simultaneously within the group. While students are expected to read all of their classmates’ contributions, they will become actively engaged only in those parts of the dialog most relevant to their needs. In this way, students take control of their own learning experience and tailor the class discussions to meet their own specific needs. Ideally, students make their own individual contributions to the course while at the same time take away a unique mix of information directly relevant to their needs.
11. Level Playing Field: In the online environment learners retain a considerable level of anonymity. Discriminating factors such as age, dress, physical appearance, disabilities, race and gender are largely absent. Instead, the focus of attention is clearly on the content of the discussion and the individual’s ability to respond and contribute thoughtfully and intelligently to the material at hand.
On line adult education can be more effective and better for certain types of learners (shy, introverted, reflective, language challenged, those that need more time). Distance education courses are often better for people who learn through visual cues and experiential exercises.
12. Synergy: The online format allows for a high level of dynamic interaction between the instructor and students and among the students themselves. Resources and ideas are shared, and continuous synergy will be generated through the learning process as each individual contributes to the course discussions and comments on the work of others. The synergy that exists in the student-centred virtual classroom is one of the unique and vital traits that the online learning format posses..
13. Access to Resources: It is easy to include distinguished guest experts or students from other institutions in an online class as well as allow students to access resources and information anywhere in the world. An instructor can compile a resource section online with links to scholarly articles, institutions, and other materials relevant to the course topic for students to access for research, extension, or in depth analysis of course content material in the global classroom.
14. Creative Teaching: The literature of adult education supports the use of interactive learning environments as contributing to self-direction and critical thinking. Some educators have made great strides in applying these concepts to their on ground teaching. However, many classes still exist which are based on boring lectures and rote memorization of material. The nature of the semi-autonomous and self-directed world of the virtual classroom makes innovative and creative approaches to instruction even more important. In the online environment, the facilitator and student collaborate to create a dynamic learning experience. The occasion of a shift in technology creates the hope that those who move into the new technology will also leave behind bad habits as they adopt this new paradigm of teaching. As educators redesign their course materials to fit the online format, they must reflect on their course objectives and teaching style and find that many of the qualities that make a successful online facilitator are also tremendously effective in the traditional classroom as well.
Cons of Online Education:
Briefly explained are some factors that could negatively affect your success with distance learning courses:
1. The Technology:
a. Equity and Accessibility to Technology: Before any online program can hope to succeed, it must have students who are able to access the online learning environment. Lack of access, whether it be for economical or logistics reasons, will exclude otherwise eligible students from the course. This is a significant issue in rural and lower socioeconomic neighborhoods and educating the underserved peoples of the world. Furthermore, speaking from an administrative point of view, if students cannot afford the technology the institution employs, they are lost as customers. As far as Internet accessibility is concerned, it is not universal, and in some areas of the United States and other countries, Internet access poses a significant cost to the user. Some users pay a fixed monthly rate for their Internet connection, while others are charged for the time they spend online. If the participants’ time online is limited by the amount of Internet access they can afford, then instruction and participation in the online program will not be equitable for all students in the course. This is a limitation of online programs that rely on Internet access. Equity of access to learners of all backgrounds and parts of society
b. Requires New Skills/Technologies: if you’re not computer-savvy or are afraid of change or new technologies, then online education will probably not work for you. The online students are required to learn new skills, such as researching and reviewing the internet. For the online students, they need to learn the techniques of navigation on an online library for necessary information. Technical training and support of learners and instructors
c. Computer Literacy: Both students and facilitators must possess a minimum level of computer knowledge in order to function successfully in an online environment. For example, they must be able to use a variety of search engines and be comfortable navigating on the World Wide Web, as well as be familiar with Newsgroups, FTP procedures and email. If they do not possess these technology tools, they will not succeed in an online program; a student or faculty member who cannot function on the system will drag the entire program down.
d. Limitations of Technology: User friendly and reliable technology is critical to a successful online program. However, even the most sophisticated technology is not 100% reliable. Unfortunately, it is not a question of if the equipment used in an online program will fail, but when. When everything is running smoothly, technology is intended to be low profile and is used as a tool in the learning process. However, breakdowns can occur at any point along the system, for example, the server which hosts the program could crash and cut all participants off from the class; a participant may access the class through a networked computer which could go down; individual PCs can have numerous problems which could limit students’ access; finally, the Internet connection could fail, or the institution hosting the connection could become bogged down with users and either slow down, or fail all together. In situations like these, the technology is neither seamless nor reliable and it can detract from the learning experience.
2. The Institution: Many online education facilities are relatively new with many courses and hence, lack in modern instructors for instructing the new curriculum. Estimates show that there is still a need for an increase of more 50% of qualified instructors for online education.
b. The Administration and Faculty: Some environments are disruptive to the successful implementation of an online program. Administrators and/or faculty members who are uncomfortable with change and working with technology or feel that online programs cannot offer quality education often inhibit the process of implementation. These people represent a considerable weakness in an online program because they can hinder its success.
3. The Facilitator :Lack of Essential Online Qualities: Successful on-ground instruction does not always translate to successful online instruction. If facilitators are not properly trained in online delivery and methodologies, the success of the online program will be compromised. An instructor must be able to communicate well in writing and in the language in which the course is offered. An online program will be weakened if its facilitators are not adequately prepared to function in the virtual classroom.
4. Perceptions/Reputation: while slowly changing as more and more mainstream colleges and universities embrace distance learning, there still is a stigma attached to distance education to the student’s interaction in the online education. Some of the students believe that, there are few opportunities with regards to face-to-face interactions and feedbacks.
5. No Instructor Face Time: If your learning style is one where you like personalized attention from your teachers, then online education will probably not work for you.
6. Little Support: students are expected to find their own resources for completing assignments and exams, which is empowering for some, but daunting for others.
There is little support and limited guidelines provided in online education system. Online students are required to search as per their own imaginations for completing exams and assignments.
7. Lacking Social Interaction: while you often interact with classmates via email, chat rooms, or discussion groups, there are no parties or off line get-togethers.
If you enjoy meeting new people and learn better while you’re interacting with other people, you may want to reconsider online education.
8. No Campus Atmosphere: part of the traditional college experience, of course, is the beauty of the campus, the college spirit, but you have none of that with distance-education courses.
Since you’re not on campus or in classes, you may lack opportunities to meet other students. You will not have many opportunities to interact face-to-face with your professors, so they may not have a real sense of who you are as a person.
9. Making Time: if you are a procrastinator or one of those people who always needs an extra push to complete work, you may have a hard time making time for your online classes. On line learning requires new skills and responsibilities from learners
10. Academic honesty of online students: requires a new mindset to online assessment. Most education experts agree that rote memory testing is not the best measure of learning in any environment and new measurement and evaluation tools are evolving.
11. Types and effectiveness of assessments: The importance of outcomes in online learning cannot be over emphasized. Does the program have measurable results? Are students learning what you say they should be learning? Then there are institutional outputs: course completion rates, job placement rates (if that’s the goal of the institution), graduation rates, student success on third-party tests, and student satisfaction scores.
These factors, both the pros and cons, contribute greatly to making an informed decision about the direction of your career path and how you are going to accomplish your goals: on line, in the classroom or a combination of both.
Institutions and companies that use continuing education to meet their needs also face similar decisions. Institutions that deliver online education are confronted with a series of challenges, including the search for good faculty, use of technology, and provision of adequate student services.
The Sloan Consortium report “Growing by Degrees: Online Education in the United States in 2005″ found that 64 percent of chief academic officers and faculty believe that it takes more discipline for a student to succeed in an online course than it does in a face-to-face course.
More and more major business and industry is turning to on line continuing education as a viable and cost effective resource for training its personnel. Hilton Hotel has 380 hotels worldwide and is represented in 66 countries.
When you weigh the benefits and advantages of on line adult continuing education the cost of study and flexibility of scheduling tip the scales of programs like the Enoch Olinga College, Capella and Phoenix University’s distance learning program on line adult continuing education is becoming a world wide respected form of education.
However, as with any situation, there are both pros and cons with the concept of online education and the benefits of the virtual or global classroom. You may want to evaluate both before you decide on an online education program. By examining the advantages and disadvantages, you will be able to make a more informed decision. But, at the end of the day, online learning is independent learning. A lot of structure has been put into online programs, but it still comes down to a learner sitting in front of a computer by him or herself. The knowledge you receive or the benefits it will generate either in development of self esteem or increasing earning capacity will depend sole upon you the student.
David W Morris is an international development specialist with The Enoch Olinga College (ENOCIS) [http://www.enocis.org] and author of several publications on socio economic development. David is a regular contributor to online article sites on the topics of on line education, underserved peoples, scholarship and educational excellence, continuing education programs and on line TOEFL and language development. David W Morris is also a successful online adviser of ranking blog site http://www.enocis.blogspot.com
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Childrens Bedroom Furniture is Best Picked Out by Your Child
Aug 12th
Your child has his or her own personality and finding the right furniture and toys to go along with that personality is challenging. The best way to go about this is allowing your child to be the one who picks and designs their own room. Who knows your child better then themselves and it can be a fun and exciting experience you do together. The thing you have to remember when allowing your child to be the designer is don’t be afraid to influence their decision. A childs mind will change over time keeping that in mind is very important and necessary when designing their room. Try and help them understand this point but be careful not to push them to grow up to fast, we already know it happens to fast as it is. Having an understanding of what your child will want before you go about designing the perfect room for him or her will save time and money and allow you to lead the way.
When deciding on childrens furniture remember that your child is going to grow. The bright colors your little one wants today wont be the same tomorrow. The best way to go about colors is walls painted in a neutral color and allow your child to build the accents of the room. Children can be over the color of the bedding, drawer pulls rugs and curtains things that are easy and cheap to change over time. Allowing your child to help will do several things one their room will feel like their room and they will feel that you trust their judgment. Its amazing who much our children look up to and aspire to be like us.
One a final note help your child find things that are built to last. The best way to do this is to shop KidKraft. KidKraft was started by engineers which means that their products are designed to be tough and durable. Durability is very important in childrens bedroom furniture for many reasons the most important is that it lasts. Who are you kidding kids are hard on everything buying items that are designed to last should be and will be the most important part of helping your child design his or her bedroom. It is their room why not let them be a part of the decision making even at a young age the sooner they start the easier it will become to make good decisions.
Jason Quick is an expert in childrens bedroom furniture when looking for the best in childrens furniture look no further then KidKraft
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http://EzineArticles.com/?expert=Jason_Quick
5 Top Strategies For Lowering Summer Camp Program Costs
Aug 9th
Winter’s grip has lightened. Spring school break has already passed. Every kid scratches and itches to finish this year’s schooling and be released into the summer! But, for parents 2007 summer camp realities are already here.
Choices Galore. Besides sifting through the menu of summer camp program possibilities … from outdoor summer camps with wilderness focus such as Outward Bound or National Outdoor Leadership … to team sports camps like summer tennis camps, lacrosse summer camps summer golf camps summer cheerleading camps and more … to arts and academic programs including summer acting camps, summer dance camps, summer art camp … to special need summer camp programs including ADHD summer camps and even weight loss summer camps combining healthy living and moderate exercise.
Paying The Tab – Cost Saving Tip #1. “Early bird gets the worm” may be the operative cliché to describe what parents need to do, which is pick your summer camp program as early in the year … or even register in the previous year if possible. What do you get? Not guaranteed, but most camps reward early registrants with significant contract discounts of up to 15% or more. Why the discount? It’s all about business, money, knowing their future summer camp program revenue stream, so that their summer camp counselor jobs levels can be determined and the right kids selected.
Picking your summer camp program early may also “save money” not because you’ll get a discount, but that you’ll save real money and a lot of headaches if you fail to get your child a camp spot, and then have to scramble … you could end up literally spinning your wheels and paying 50% more in some make-do situation.
Cost Saving Tip #2 – Think Locally For Great Programs And Lower Overall Costs. The greatest cost factor “variable” may be travel and transportation costs. Living in Maryland and then sending Johnny to Montana’s Glacier Park wilderness may sound cool … but you’re looking at serious money. Yes, you want the “experience of a life time” for Johnny … but money doesn’t grow on trees so if you decide on a distance camp … then you must hustle onto the Internet travel sites and buy your ticket as early as possible, before the “prime time” season rates lock in.
Simple solution? In virtually every State and region … across America and Canada … families can select from a wide range of cool, exciting, challenging summer camp programs, all within 1-day’s drive distance.
Ask For Scholarship Aid – Cost Saving Tip #3. If you have modest means … if you’re a single parent … if both parents work full time and can’t afford either time off or extra money, then you need to ask your target camp whether they’ll accept your child at a discounted price! The key here is to “offer” something in exchange for a lower price. All summer camps’ owner-managers try to lower costs while eking out an income over the short summer months period. Be direct. Ask whether your child can join the camp, but … also work for the camp. Cleaning up, preparing food, chopping or carrying wood, doing laundry, drying dishes, whatever. It’s all about creating a value-exchange that means something for your family and the residential summer camp.
Controlling “Sundries” Expenses – Cost Saving Tip #4. Day trips … canteen snacks costs … rentals … any of the normal “temptations” on hand could represent a significant “hidden cost” that parents need to investigate.
Refunds And Sick Child Early Departures – Cost Saving Tip #5. Reputable camps will have clear standards for assisting families who pay “early deposits” then have a change of mind. Make sure that any deposit moneys will be refunded in whole or in part before you make payments. Also, families may save significant money, in the event that your child become ill while at camp, by ensuring that the camp refund policy covers sickness early departure without penalties.
Creating Lifestyle Changes That Work. Explore the practical side of 2007 summer camps … costs … family strategies … plus the many exciting and challenging summer camp program choices opening up around the country and world.
Summer Camps for Teens: http://www.wise4living.com/kidcamp/ Or Sports Summer Camps: http://www.wise4living.com/kidsport/
Author Robin Derry is publisher for http://www.wise4living.com/ a specialty knowledge site that gives insights and solutions for families committed to summer camps, body health, home and gardening projects, unique gift designs, HDTV and home entertainment systems, technology gifts, household, sport, travel, footwear, education, and family legal needs.
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Bowling Alleys
Aug 9th
“Bowling Alley”, “Bowling Center”, “The Bowl” and “House” are used interchangeably to describe the building where bowling takes place. Bowling alleys are usually comprised of many lanes (as many as 100 or more), but can be comprised of only a few lanes. Some people have a lane in their home, while I wouldn’t consider this a bowling alley, per se; it is in the most literal sense one. A single lane is sometimes referred to as a bowling alley. For the purposes of this book, a bowling alley or house will refer to a place where there are multiple lanes and games are purchased.
Where are bowling alleys?
They are everywhere. Lately it seems that a lot more houses are closing due to property and maintenance prices getting to expensive, or lack of use. Looking in your local telephone book, you should be able to find quite a few houses in your area. Bowling is a very popular sport and therefore there are a lot of bowling alleys in most areas. If you can’t find one where you live, check the nearest city or big town, there’s bound to be one within driving distance of where you live.
Recently a large bowling stadium was constructed in Reno, NV (United States). If you want to see a really large house, that is the place to go. If you get a chance to bowl there it is really quite the thing! I have bowled there on several occasions and have really enjoyed it. The PBA (Pro Bowlers Association, see Chapter 9) has tournaments there as well as the USBC. A few of the tournaments that I know of that bowl there are the PBA, USBC Nationals, USBC Mixed, and the High Roller. This stadium was built expressly for the purpose of handling large bowling tournaments, and is not allowed to have leagues in it. It also has a very large Pro Shop (place to buy bowling stuff), that even has a bowling lane in it so that you can see everything! They will video tape your game and help you to figure out what you need to improve. It is quite impressive.
Bowling Center Layout
Most bowling alleys will have a desk (where you buy games), a bar, game room, at least one meeting room, a room to handle babysitting, and, of course, lanes! A lot of houses have a pro shop also.
The desk is usually situated somewhere near the center of the house and the bar is usually not far from it. For most bowlers that’s all you need to know about a bowling alley right there! Drinking and bowling go hand and hand for a lot of bowlers (not me, though). It’s no mistake that the bar is centralized in the bowling alley. The game room is usually centralized in the bowling alley also, and most of the time contains pool tables, video games, and pinball machines.
Meeting rooms can be anywhere in the bowling alley, and will seat anywhere from 25 – 100s of people. The meeting rooms are used for league meetings, receptions, birthday parties, etc…. Most of the time, one of the rooms will have toys and things in it for kids. This room is generally used for babysitting the children of the bowlers. Most bowling alleys offer free babysitting for children up to age 7 or 8 for league bowlers. This comes in very handy when you are bowling.
Pro shops are very popular in bowling alleys. Inside of the pro shop you can find just about anything that you need for bowling from balls and bags to shoes, brushes, and powder or resin. You can even get advice from a “pro”. Most of the pro shops are either owned by a professional bowler or have a professional on staff. Be careful though, not all of the people working in the pro shop are pros, and not all of them necessarily have your best interest at heart. There is a lot of stuff to be bought and if you are getting equipment, be sure that you are speaking to somebody who knows your game. Buying equipment for bowling is not as simple as getting a ball and shoes (more on that in Chapter 3).
Who do I call?
The first person that you are likely to meet in the bowling alley is the desk person. This is the person behind the desk that will take your money and assign you a lane. This is also the person that is your main contact at the bowling alley should anything happen. If you spill a drink, your ball gets stuck in the return, or whatever… you should contact the desk person and let them know what you need.
League bowlers usually go through the league secretary to get things accomplished in the house. The league secretary usually has a little more clout than the individual bowler as he/she represents an entire league of bowlers (and therefore a lot of revenue to the bowling center).
There are two other people that you may encounter at the bowling alley. The Porter is the person cleaning up the lanes, getting dead balls, dead wood, fixing scores and just about anything else that needs to be done on the customer side of the lanes. The Mechanic is the other person that you may encounter. You probably won’t come into direct contact with them; they are the person that works in the back of the alley, resetting pins, fixing the machines, and making sure that things work right. They are usually the one that oils the lanes (more on that later), also.
Keep bowling and having fun!
Author BIO Mike Kolar has been bowling for about 20 years and has taught several bowlers helping them to improve their averages by over 30 pins!
Click on Free Bowling Information [http://www.BowlersEverything.com] for all of your bowling needs from balls and bags to articles and advice.
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A Step by Step Guide to Pet Friendly Real Estate
Aug 6th
Step One: Finding an Agent
When it comes to shopping for a Real Estate Professional, there are many places to start. As of December 2006, there were over 2 million Real Estate Agents across the United States. With approximately 75% of people turning to the Internet to start their Real Estate Search, you go to your favorite search engine and depending on your search results you have to sort through the clutter of hundreds or thousands of Real Estate Websites. All the Web sites start looking the same and you quickly become bored or even frustrated. So how do you sort through the confusion to choose an Agent that’s right for you and understands your specific Pet Friendly needs?
Getting to know the specialties of a Pet Friendly Real Estate Agent is an important, but sometimes a difficult thing to do. This all comes down to the Agent’s ability to set themselves apart in the competitive Real Estate market and be the expert in their area of specialization. There are few “Pet Friendly” Agents in today’s market that are marketing themselves in the most effective way. It is even more difficult to find a Pet Friendly Agent who specializes in your town or city.
If pets are an important factor in your Real Estate decisions you need to find a Resource that is dedicated just to Pets and Pet Friendly Real Estate. http://www.PetRealtyNetwork.com is a good example of a Pet Friendly Real Estate Website – dedicated to Pet Friendly Real Estate and Pet Friendly Real Estate Agents. You can meet other Pet Friendly Agents in your town, across town, or even across the Country and even obtain information about other Pet Resources such as relocating with your pet or submitting your pet’s photo.
Step Two: Selling a Pet Friendly Property
When preparing a Pet Friendly property for sale, you have a big task ahead of you. It is important to make any property for sale as attractive as possible, but a Pet Friendly property can have a few more challenges. Pet hair has a tendency to find the deepest nooks and crannies in a home and if a home has a distinct pet odors, potential buyers may skip on the property. Your Pet Friendly Agent may suggest a few simple everyday maintenance chores that that can add to the appeal of your property.
o Vacuuming and cleaning your carpets and even your furniture on a regular basis will remove pet hair and dander and is a quick and simple step to keep your home looking neat. To reduce the amount of hair to be vacuumed, make a habit of brushing your pet regularly, which will also keep your pet’s coat healthy.
o Keep up on your ‘Doggy Duty’, which means keeping your yard clean at all times! To a potential buyer a dirty yard could equate with a dirty home.
o Keeping litter boxes clean and covered. Cat urine is a very distinct and difficult smell to eliminate. Keep the litter box in a well ventilated area, clean the litter box often, and consider an odor-reducing kitty litter.
o Have a plan for open houses or scheduled showings of your home. Some people are terrified of animals or even allergic. It is best to remove the pet from your home during a showing or an open house. If that is not possible, or would be stressful for your pet, consider keeping your pet in a crate or ask a friend or relative to pet sit.
o De-clutter your home, including pet toys, pet beds and crates and pet photos. Remember that even if you are Pet Friendly, a potential buyer may not be.
Step Three: Buying a Pet Friendly Property
You can expect your Pet Friendly Agent to be the Pet Friendly Real Estate expert. That means being knowledgeable about everything about a Property from the fenced yard to the local pet parks and Veterinary clinics. After all, you are not just looking for a home is suitable for you but for your whole family – pets included. A Pet Friendly Agent will start by asking you some initial qualifying questions: Are you a dog owner, cat owner, horse or farm owner? The following are examples of a few other topics you can expect that your Pet Friendly Agent will discuss with you:
o Pet Restrictions. You will commonly find pet restrictions in condominiums or deed-restricted neighborhoods. It is critical that you and your Pet Friendly Agent know ahead of time what those restrictions are, if any. They may include the number of pets, size of pet, breed restrictions (even for mixed breeds!) or parking restrictions for horse trailers.
o Veterinary Clinics, Specialty and Emergency Hospitals. In the event of an emergency, it is critical to be close to a 24 hour Emergency Hospital. Luckily, an increasing number of Emergency Hospitals also double as Specialty Hospitals. With the advancement of Veterinary Medicine, you can now provide the very best care for your pet if he or she requires specialty or emergency care and the convenience of a local Hospital may mean life or death for your pet.
o Pet Amenities. The everyday conveniences of safe walking or horse trails, stables, doggy pick-up stations, grooming and boarding facilities, and fenced in exercise areas are great examples of what makes an ordinary property a Pet Friendly property.
o Evacuation. If the potential property you are interested in purchasing is in a natural disaster Evacuation zone, would you have an Evacuation plan for your pets? Evacuation involves a great deal of preparation, especially for horses, and there is usually little notice of an impending disaster. You must be willing to prepare a solid Evacuation plan in place to ensure the safety of your pets.
Step Four: Moving Day
You have found your perfect agent, sold or purchased your Pet Friendly Property, and now it is time to pack up and move. Whether you are moving across town, across country or from another country – you have a big task ahead of you. Preparation is key to a successful move, keeping your pet’s safety in mind:
o Identification. Rule #1 in moving with your pet is properly identifying your pet with an identification tag and sturdy collar. Make sure your pet’s tag includes your destination location and telephone number and a mobile number, so you can be reached easily. Your prior address or telephone number will be useless if you have already moved.
o Medications, Food, and Veterinary Records. Keep a current copy of your pet’s vaccinations in a convenient location and not packed away in the moving truck. If traveling is stressful for your pet, consult your veterinarian about ways that might lessen the stress of travel. Depending on your destination, your pet may also need additional vaccinations, medications, and health certificates. Keep at least one week’s worth of food and medication in case of emergency.
o Crates and Containment Systems. There are many different types of travel crates on the market, and many are lightweight and collapsible just for traveling purposes. Make sure your pet is familiar with the crate you will be using for transportation by gradually introducing him to the crate before your trip. Be sure the crate is sturdy enough for stress-chewers or he could make an escape.
o Traveling by car It is best to travel with your dog in a crate, but if your dog enjoys car travel, you may want to accustom him to a restraining harness. For your safety as well as theirs, it is ALWAYS best to transport cats in a well-ventilated carrier. Never keep your pet in the open bed of a truck, or the storage area of a moving van. In any season, a pet left alone in a parked vehicle is vulnerable to being injured, harmed or stolen. Plan ahead by searching for pet friendly hotels to find overnight lodging during your move, and have plenty of kitty litter and plastic bags on hand for Doggy Duty.
o Keeping your pet secure. Pets can feel vulnerable on moving day. Keep your pet in a safe, quiet place, such as the bathroom on moving day with a PETS INSIDE sign on the door to keep off-limits to friends and professional movers.
o Air Travel. If traveling by air, first check with the airline about any pet requirements or restrictions to be sure you have prepared your pet to be safe and secure during the trip. Give yourself plenty of time to work out any arrangements necessary including consulting with your veterinarian, and the U.S. Department of Agriculture.
o Preparing your new home. Keep in mind that your pets may be frightened and confused in new surroundings. To reduce the chance of escaping due to fear, or pure excitement to explore the new territory, prepare all the familiar and necessary things your pet will need from day one including food, water, medications, bed, litter box, food and water bowls.
Molly Pavolino and The Pet Realty Network™ Team have a combination of over 20 years of Real Estate experience in the United States, the Caribbean, the United Kingdom and Europe and expertise in the Pet industry and can therefore offer a unique perspective about Pets, Real Estate, and everything in between.
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Sports Cars
Aug 6th
Stylish, sexy, sleek, streamlined, spirited and speed demon are all words used to describe sports cars, which are essentially two-door automobiles that are designed for high speeds, great power and smashing good looks. The manufacture of the modern-day sports car began only after 1945, when the economy started booming, technology developed dramatically and better roads were being built. They came in various shapes like convertibles, roadsters, coupes, grand tourers and sedans. Sports-car lovers are either devoted to timeless classics that have been souped up for current times, or are trendsetters looking for the latest kind of exotic car.
From powerful purring beauties like the Mercedes Benz SLK 350 to thundering thrillers like the Ford Mustang V-8, you can choose a sports car that matches your personality. In fact, sports cars are as much about personality as they are about performance – smooth aerodynamic bodies of carbon fiber, chrome pipes and fittings, rich leather upholstery, wide wheels, shiny wooden panels and snazzy paint jobs.
Different brands of sports cars adopt different principles of design. Some cars may be light in order to achieve greater acceleration, others may boast of extremely powerful engines for better car handling and performance, while still others may stress safety and comfort rather than style. The majority of contemporary sports cars have front-wheel drives as opposed to rear-wheel drives, which were more common in the earlier generation of sports cars. Many cars also have the engine in the center, driving the rear wheels, which is unique to sports cars. In these cars, the engine is placed behind the driver, at the middle of the chassis. Porsche is the only sports car that has the engine mounted at the rear, driving the rear wheels. This aspect is a crucial part of car design, as it affects the maneuverability or handling of the car, which is critical at high speeds.
The most well known brands today are Ferrari, Porsche, Lotus, Lamborghini, Bugatti, Aston Martin, Alfa Romeo, Maserati and Triumph. Companies which manufacture other cars also make some sports models; prominent among these are Ford, Toyota, Honda, Chevrolet, Mitsubishi, Mazda, and Nissan. Today, the design and manufacture of sports cars is becoming more specialized and competitive, with newer, more attractive designs and a higher degree of technical sophistication being utilized.
Sports Cars provides detailed information on Sports Cars, Exotic Sports Cars, Classic Sports Cars, Sports Cars for Sale and more. Sports Cars is affiliated with SUV Vans.
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The Layman’s History of Public Speaking
Aug 4th
When did man first talk out loud to a group? Adam and Eve may not count as more than one on one speaking unless you include the snake. The skill does date back to nearly the beginning of time though. Motivational public speaking was apparent as the early war leaders urged their troops to battle. While the barbarians didn’t spend a lot of time trying to improve their communication skills, they also didn’t suffer public speaking panic attacks, but that’s the only attack they didn’t suffer from.
The art of public speaking was certainly not lost on the Egyptians and Greeks. They loved to pontificate in front of thousands of listeners who had no choice but to laugh at all of their public speaking jokes. In America, Abraham Lincoln received his public speaking training while chopping down trees. Yet he never was worse the wear for it, and everyone loved his down home approach to effective public speaking. Although no tapes exist for us to critique his delivery. So I think we all agree that public speaking has been around for a long, long time. So when did we get so obsessed about it? That’s a much better question, and much harder to answer.
The first books on public speaking skills date back to the mid 1800′s. If self help books are any indication of popularity, then we could pick that date. However, there weren’t a lot of books back then, and they were very expensive, so that might not be the best answer. Prior to the mid 1800′s, other than politicians, who would be publicly speaking anyway? You didn’t need many presentation skills to work in a factory, or farm a field. So when did people really need and use communication skills, and have a real interest in public speaking? The answer is the period between the 1900′s and today. It was during this period that our nation began to promote the use of sales and presentations, and this was the key factor to improving communication skills. Nothing makes you more interested in improving your communication skills than cold, hard cash. With careers and jobs at stake for the first time, public speaking became an important skill after 1900.
If you read a lot of public speaking books, as I do, you will notice that there is a definite tie between the theme of these books and the rise of our nation. As we become more of a business power, we also become more of a public speaking power. Almost all of the public speaking self help books today originate in the U.S. Probably no nation in the world cares more about public speaking than our country.
So be proud that you are afraid of public speaking. The growth and power of the U.S. has caused your speaking anxiety, and we have only been working on how to cure this anxiety for about a century or so. If you lived in Spain, you would not have this problem. You could get better paella though.
For more articles on public speaking click here.
Frank Rolfe, author of One Day Master Speaker has spent over 25 years teaching public speaking classes at the college level.
He developed his method while teaching a five day immersion course on public speaking. Rolfe noticed that by focusing on the most important building blocks and eliminating minor items that few people use, he could get outstanding results from students extremely quickly.
Rolfe also developed unique “tricks” that students can use based on real-life shortcuts professionals use to improve the impact of their speaking. Some of these shortcuts are so simple and easy, but the impact is enormous.
Rolfe believes that anyone can speak confidently by following his system. And he should know. He has taught 1,000′s of executives and professionals these concepts.
Frank can be reached at: frank@fasterspeaker.com
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Celebrity News – Why It Will Never End
Aug 4th
Celebrity news, not to mention celebrity gossip, is avidly followed by millions worldwide. People obviously love to hear about their favourite celebrity. And whether it is good or bad news does not seem to matter too much.
There is a multimillion dollar industry that acts as the disseminator of celebrity news.
Many of us may not actually buy the celebrity magazines but we will catch a glimpse of their headlines at the local store or on the newsstands. The TV news channels will also keep us up to date with any celebrity scandals and most people will spend part of their day thinking about a particular story, however briefly.
Don’t we have more important things to occupy our thoughts?
Of course we do but the, sometimes ridiculous, actions of a celebrity often provide us with some light relief and help us to forget our own mundane problems.
Some individuals are celebrity fixated or often verging on being celebrity obsessive. Is that a healthy state of mind? Does that say something negative about what we think of ourselves as individuals?
But, like it or not, the ‘celebrity news gossip’ is here to stay. People want to hear about the lives of the celebrities and they will hunt down the latest, news snippets wherever they can find them.
A celebrity is naturally a human being prone to all the usual failings that most of us suffer. But their professional lives often set them apart as something different, unique and special; almost as if they inhabited a totally different world to us mere mortals!
And in many ways that can make them appear unreal and two-dimensional.
But the latest celebrity gossip, those spicy, slices of information about an individual’s personal life, often seem to bring our special celebrity within reach and back down to earth with a bump. We like to know just who their latest love partner is, why they have lost or gained weight or how they got drunk on that special celebrity occasion.
Celebrity pictures are now the big draw. Many of us like to see those candid photos that often seem to expose the ‘real’ person behind the celebrity.
So the celebrity news and the accompanying celebrity photos help us to really get to know – or so we believe – our celebrity. The personal information puts flesh on the celebrity body. We begin to see our celebrities as real people – just like us perhaps – and they start to emerge as three-dimensional entities that we can relate to and love or hate as the fancy takes us.
In the golden age of stardom, people often put their celebrity stars high up on a pedestal. Celebrity news was often officially or unofficially censored to filter out the unsavoury aspects of a person’s personality or actions. Today, we want to know our celebrity warts and all!
Celebrity news is primarily entertaining but also acts as exposure and publicity. But people also love to read gossip; those words that can either be true or false.
And, as long as there are people who want celebrity news and gossip, the journalists and photographers will expend their energy finding or fabricating it for us.
Author’s Note
Love it or loathe it, Celebrity News can still be fascinating.
Visit us now for the Latest Hollywood Gossip – updated on the hour – and more!
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Accessing Your Best Pet Supplies Opportunities
Jul 31st
When you have a pet it always seems that there are some type of pet supplies that you are in short supply of. For many pet owners the filling of these supplies are pleased by whatever store is nearby to them. This is a fine answer for comfort shopping but their assortment doesn’t always represent the best solution for your pet. Most stores either dedicate one aisle or four foot section where they stuff in generic toys, food and pet supplies for all pets. This really restricts what you can get for your pet which may not be the very best path to follow concerning the wellbeing of your animal.
For the several pet owners who understand the limitations they are finding from local stores the best option to access the very best pet supplies is with the net. The low cost generic supplies aren’t chosen in these stores for the high quality product pets require but for their low cost in order to produce impulse buying. If you’re actually seeking the best products available for your animals, the internet can provide you with a wide variety of both generic and excellent products that will permit you to make the choice on what is best for your pet instead of having to select from only what is available in a store.
If you are in search of dog supplies, the internet offers a huge variety of all types of goods. Regardless of whether you are seeking a shelter for them to live in, the right products to entertain your pal or the finest food to keep your dog fit, you can feel confident that you are accessing the widest variety of dog supplies for your best friend. This is true for any pet supplies you’ll discover that you need so as to keep your pet happy and healthy. Additionally, when you access the internet to gather your pet supplies you will have the chance to access the most knowledgeable sources of info available to the general public. This opportunity far surpasses the familiarity of the random teenage associate you will find working in those random stores of convenience.
Of course the net is a wide network of businesses and not all businesses represent your best option to discovering pet supplies. This is why its necessary that before you make any purchases on line that you discover the best options available to you. A quality pet supplies site will cater to all animals, providing you a large array of products, rates and quality that would provide you with the chance to choose the finest pet supplies for your animal.
Renel Jean is an owner of a wide variety of online specialty shops that offers various dog supplies. His goal is to make the shopping experience as customer focused as possible, and to offer the very best customer service. His site http://www.AprilsWindow.com offers the best Pet Collars and other pet supplies ever. Visit the site to know more.
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How Should You Go About Writing a Good Code in PHP Programming?
Jul 30th
PHP application development is quite in demand these days by virtue of its proven success record of generating dynamic web pages for infusing the required dose of interactivity. PHP also enables applications to run smoothly thereby giving the end users a delightful web experience.
A PHP developer has a crucial role in custom PHP programming. Hence, a lot of focus must be placed on writing code. A good PHP code is one that is well structured, robust, safe and consistent. A voluminous code can be conveniently broken into a number of functions, and a simple code thus generated can accomplish different sub-tasks. Also, a clear-cut distinction must be made between the front-end JavaScript/HTML code and the server side logic.
A good PHP code must be safe, which is absolutely in the control of a developer. A developer must have a thorough knowledge of XSS, CSRF and other potential security holes. Also, consistency matters a lot. A good PHP code ought to be consistent i.e., the names of variables and functions must be decided according to a specific set of rules, resorting to typical approach for solving complexities and error handling. You must also ensure that your code must be framed consistently so that it becomes easy to read.
In PHP programming, the code must be portable. A weak code can be easily fragmented when certain features of PHP are switched on/off. A good PHP code adepts to the environment accordingly. It’s also important that you comment your PHP code with a standard approach as it makes the code more readable, which motivates PHP developers to consider the aspects, which might otherwise get ignored. Also, this permits document generators to generate easily comprehensible documentation. In addition, it facilitates interpretation of variables and offers enhanced debugging and code finishing.
While making use of control structures in code writing, you must think about alternative syntax since characters like closing brackets make the code confusing to read. PHP short tags must be avoided since these tags are sometimes switched off on some host servers. In case, you decide to switch your website, there exists possibility of your PHP opening tags getting replaced. Also avoiding PHP short tags gets you away from the confusion that you may have with the XML declaration. Further, the forthcoming PHP versions are not likely to support these PHP short tags.
Get started with writing a good PHP code today!
Adam George is a well known writer. He has written many articles on various topics including outsourcing, Presently writing on Software services, Offshore Software Development, PHP Development, PHP Application Development and other Software testing services.
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Determining the Necessity of a Business Loan For Women
Jul 28th
In the past decade, the number of women-owned businesses has boomed, bringing the of businesses owned by women to an all-time high. Defined by the Small Business Administration as a business with an ownership of 51 percent or more by one or more female persons, women-owned businesses are on the rise, ranging from corporate firms to at-home, online retail stores. With the increase in women owned businesses, it is obvious that the necessity of business loans for women are also greater than ever before.
Most commonly, women seeking capital to finance their small business ventures tend to consider a loan. Loans are available for women in all types of businesses, ranging from bed and breakfasts and catering, to pet supplies and photography, to craft businesses and consulting. Loans for women entrepreneurs are intended for enterprises in which women are majority shareholders, and in which the business is also managed by one or more women.
As with any other business, loans are often required to purchase inventory, to expand or improve a line of equipment, or to build or remodel a building to house the business and its employees. Business loans for women can also be used to help with marketing the business and its products or services to the appropriate target market.
Before jumping into applying for a loan, however, determine the necessity of a business loan. Turn to your written business plan, and consider the following factors when weighing out the pros and cons of obtaining a business loan for women.
1. Is the business in need of inventory or equipment?
If the business requires additional inventory or needs new or updated for business expansion, a loan can offer the capital needed to purchase these items.
2. Is the business having difficulty with sales, production or in other areas due to much-needed company updates?
If business can potentially expand and bring in more profits with additional funding, the necessity of a business loan may be crucial for the business to move forward and at the same time, stay competitive with other businesses in the same field.
3. Are there new ideas, products, or areas of service to be expanded upon to increase production and profitability of the business?
The necessity of a business loan can be very high if there are areas in which to expand that require capital. If obtaining a business loan for women can potentially increase profits, and if the loan can be determined to be of low risk to the business and the loan payments fit into the current business budget, the necessity of a business loan for women is probably a positive step in the right direction.
Determining the necessity of a business loan for women can also bring other factors into consideration when actually deciding to move forward with a business loan application, including the following positive aspects of obtaining such a loan:
1. The risk in obtaining a loan for a business owned by a woman may be slightly less than that for a business owned by a man.
Not only do some banks and lenders recognize this, but women business owners also enter into loan payments due to confidence of making business improvements through a loan. Women tend to have a different business sense than men, and their non-traditional choices and style of operating a company tends to be successful. This is due to the fact that women simply tend to have a different view on possibilities and opportunities.
2. Many loans are created especially for businesses owned by women.
In some loans, both through the Small Business Administration and through some lenders, the application will focus on the woman’s character, credit, experience and reliability rather than assets. Because the necessity of a business loan for women can be crucial for a business’ survival, these such loans offer a wonderful opportunity for those women with good credit. Additionally, women with poor credit can also obtain these such loans, though collateral is usually required.
3. Special loans are available for more nontraditional businesses.
As an example, there are loans available for those with young children who wish to create a small, home-based business.
Before stepping into a loan, or even applying for a loan, look at everything involved to determine the necessity of a business loan.
- Carefully examine and list purchases to be made with the loan. Remove unnecessary purchases from the list, or make a separate list for future purchases in which can be used with money earned by the business, or can be put on a future loan once this first loan is paid in full.
- Consider the term of the loan, and make sure that it’s not too long or too short for your business’ specific needs. If you haven’t applied for the loan already, determine an acceptable term based on your budget and needs.
- Examine the monthly payments required, or determine a monthly payment to present to the lender that would easily fit into the business budget. Don’t try to squeeze in a higher payment in hopes of earning more money with the business due to obtaining the loan. Falling behind on just one payment can eventually lead to financial disaster for the business. Remember, it’s difficult to “catch up” on payments once they’ve fallen behind.
- Research the service of the lender. If you’ve worked with a specific bank or other financial institution for several years and have a good amount of trust in then, it is probably safe to apply for the loan there. Don’t apply for a loan with a bank or financial institution that you know nothing about. Do your homework first.
Rebecca Game is a 30 year entrepreneur who founded the online community for women in business at Digital-Women.com It provides resources and tools for women starting a business of their own. Please visit her site: Digital Women – Loans for Women
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21 Steps To Home Business Success
Jul 28th
Fifty million home-based businesses will be in operation by 1997, according to Link Resource’s National Work-at Home Survey. All around the country, people who want more control over their lives are starting home businesses In New Orleans, Rick Hart’s home based cajun Cargo ships seafood nation wide. In Palatine, Illinois, Stephaine Heavey works from home designing and selling original patterns for fabric dolls. And in Dallas, Lisa McElya published the Dallas Party & Event Planners Guidebook from the entire first floor of her two-story home. These three people are living the new American dream of owning a business, but avoiding the high overhead and start-up costs of a commercial location. If the idea of working from home is appealing, but you don’t know where to begin, here is a step-by-step guide. STEP #1 DECIDE WHAT PART OF THE HOUSE TO USE Select an area away from family activity. The perfect space is a separate room (or perhaps the garage), but any area will do, if it can hold all the business supplies and equipment, and also provide enough work space for desks, tables, or counters. STEP #2 DETERMINE HOW MUCH TIME YOU CAN SPEND ON THE BUSINESS Many people start a home business on a part-time basis while raising children or working outside the home. Others start full-time when family and finances allow. However you begin, figure out how may hours per week you can devote to the business Make a weekly chart of your activities, examine it, and determine where the business fits. Don’t assume you have time and find out later you don’t. STEP #3 DECIDE ON THE TYPE OF BUSINESS Make a list of things you like to do, your work and volunteer experience, and items you own that can be used in a business. Look over this line-up, and using ideas from it, list possible businesses to start. Eliminate any business that isn’t appealing or doesn’t fill a need people have. For ideas on different types of businesses, consult the end of this article. Other ideas can be found in the source material listed at the end of this article. STEP #4 CHOOSE A LEGAL FORM The three basic legal forms are sole proprietorship, partnership, and corporation. The most common is the sole proprietorship. As its name implies, a sole proprietorship is owned by one individual. It is the oldest form of business, the easiest to start, and the least complicated to dissolve. Here are some of the advantages of this business form: 1. You own all the profits
2. Your business is easy and cheap to organize. You don’t need any government approval, although you may be required to carry a city, state or county license. Your only other obligation is to notify the Internal revenue Service (IRS) for the purposes of sales tax.
3. You’re the boss
4. You enjoy certain tax savings. You must pay regular individual taxes on your income, property, and payroll, but these are not levied as special taxes, as with a corporation. You will also have to pay sales tax which you have received from your customers.
5. Greater personal incentive and satisfaction. Since you have your investment to lose if your business is not successful, you should be more willing to put time, thought, and energy into the business. And when your business is successful, you enjoy maximum sense of accomplishment since you know its success was dependent upon your decisions about your management ability alone. For more information about this and other forms of business, send for the U.S. Small Business Administration (SBA) Publication MP25. Selecting the Legal Structure for Your BUsiness (50 cents). It outlines the advantages and disadvantages of each legal type of structure. If after reading it you are still uncertain what form of the business should take, consult an attorney. STEP #5 DETERMINE WHERE THE MONEY WILL COME FROM There are three ways to finance start-up costs: use your own money, obtain a loan, or find investors. If possible, it is better to start small, use your savings, and not worry about repaying a debt. also keep in mind that since you are a home-based, chances of qualifying for a loan or finding investors are slim until the success of your idea is proven. STEP #6 GATHER INFORMATION Spend a few weeks researching home-based businesses. A library or bookstore can provide numerous books on business basics, and on the specific type of business that interest you. Homemade Money by Barbara Brabee (see sources) is an excellent book to start with. If you are considering a computer business, get in touch with the association of Electronics; Cottagers, P.O. Box 1738, Davis, CA 95617-1738. To keep informed of what is happening in home business world, contact National Home Business report, P.O. Box 2137, Naperville, IL 60566, for subscription information; and Mothers Home Business Network, P.O. Box 423, East Meadow, NY 11554 (send SASE for free information). STEP #7 CHECK ON ZONING RESTRICTIONS Find out how your property is zoned, the call City Hall and ask what regulations apply to home businesses in that zone. Also, if you rent or live in a condominium, check the lease or homeowner’s association rules to be certain a home business is allowed. Generally, if you do not annoy your neighbors with excess noise, odors, and traffic, you will not be deterred from running a business at home. The neighbors may not even be aware of the business, but it is necessary to know exactly what you can and can’t do before you start. This is important should any problems or questions arise later. STEP #8 PICK A BUSINESS NAME AND REGISTER IT If the business you choose is different form your name, file an assumed (or fictitious) name certificate with the county. You are notified if another business already has that name, so you can select a new one. Do this before investing in expensive stationery and brochures. It costs only a few dollars to file, and it protects the business name from being used by someone else in the county. STEP #9 WRITE A BUSINESS PLAN A good business plan clarifies your ideas and establishes a plan of action. A good business plan should include a description of what you are selling, your background and qualifications, who the prospective customers are and where they can be found, what is needed to build the business, how you plan to promote, and how much money is need for start-up costs. SBA Publication #M925, The Business Plan for Home-Based Business ($1) is helpful. STEP #10 GET AN IDENTIFYING NUMBER If you are the sole proprietor of the business and have no employees, you may either use your Social Security number or an Employee Identification Number (EIN) as the business number on official forms. If you have employees, or the business is set up as a partnership or corporation, you must obtain an EIN. To do this, complete IRS Form SS-4 (Application for Employer Identification Number) and file it with the nearest IRS Center. STEP #11 OBTAIN A SALES TAX PERMIT If the product or service you sell is taxable, you need a state sales tax permit. Call the local tax agency, explain the type of business you have and what you sell, and ask if you need to collect sales tax. If you do, they will send you the necessary information and forms to complete. You also use this tax number when your purchase items for resale. STEP #12 OBTAIN LICENSES & PERMITS It’s very important not to overlook any necessary license or permit. For example, some cities and counties require a general business license, and most have special laws regarding the preparation and sale of food. Call City Hall to find out what is need for your particular business. In addition, Chamber of Commerce provide information on city, county and state licenses and permits. STEP #13 SELECT BUSINESS CARDS, STATIONERY, BROCHURES Spend time on the color, design and paper for these items. They make a definite impression-good or bad- on the people who receive them. If you are not certain what is most suitable and effective, consult a graphics designer or a creative printer whose work you like. STEP #14 OPEN A BUSINESS CHECKING ACCOUNT Call several banks to find out what services they offer, and what minimum balance, if any, must be maintained to avoid paying a service charge. Also ask about credit card if you plan to offer this convenience to your customers. Bank fees can be significant, so shop around for the best deal. If your personal checking account is with a credit union, see if it can also provide a separate business account. when you open your account, you may need to show the assumed name certificate and business license. Finally, investigate obtaining a credit card in the business’s name. If this is not possible, set aside a personal credit card to use for business expenses. STEP #15 SET UP RECORD-KEEPING SYSTEMS Put together a simple and effective bookkeeping system with an 8 1/2 x 11″ three-ring binder, columnar pad sheets and twelve pocket dividers from the office supply store. For each month, set up columnar sheets for income and expenses. Use a pocket divider for each month’s receipts, bank statement, deposit tickets, and canceled checks. In addition, an automobile log for business mileage, and filing system for correspondence, invoices, supplier catalogs, client records, etc. are two other useful tools. For more information on record-keeping, see IRS publication #583, Information for Business taxpayers. STEP #16 CHECK IRS REQUIREMENTS If you comply with basic IRS guidelines, you can deduct a percentage of normal household expenses (mortgage, interest, taxes, insurance, utilities, repairs, etc.) as a business expense. see the box accompanying this article and, for more detailed information, IRS publication #587, Business Use of the Home. Also become familiar with these IRS forms: Schedule SE (compensation of Social Security Self-Employment Tax) and Schedule 1040 ES (estimated Tax for Individuals). Depending on circumstances, you may have to file them. STEP #17 OUTFIT THE BUSINESS Make a list of everything needed to start the business, but before you buy anything, look around the house for things you already own that are usable. When you are ready to start purchasing, check the classified ads and garage sales. Both are good, inexpensive sources for office furniture, typewriters, computers, answering machines, etc. But only what is absolutely necessary for start-up, and wait until the business is off the ground to get the extras. STEP #18 DECIDE ON TELEPHONE REQUIREMENTS Call the telephone company to find out the cost of a business phone in your area. If you cannot afford a separate business line, investigate the telephone company’s regulations on using your personal phone in a business. It may be possible to do this if you follow certain guidelines. Keep a record of long distance business calls as they are a deductible expense. Finally, consider the benefits of an answering machine to catch calls when you are out. STEP #19 CHECK OUT THE POST OFFICE & UPS Using a post office box as the business address down plays the fact you are home-based. It also prevents customers from dropping in at all hours. While looking into box rental, ask for information on the various postal rates, particularly bulk rate, if you plan to do large or specialized mailings. If you mail many packages, check out United Parcel Service (UPS), as it is less expensive than the Post Office. STEP #20 PURCHASE THE NECESSARY INSURANCE Check with your homeowners insurance agent about a rider for your existing policy or the need for a separate business policy. Also make sure you have adequate personal and product liability coverage. Shop around, as each company has different rules regarding home businesses To save money on medical insurance, join an association and participate in their group plan. One such body is The National association for the Self-Employed: they can be reached at 800-527-5504. STEP #21 ORGANIZE THE HOUSE & YOURSELF To have more time for business, organize and simplify household routines. Start by holding a garage sale to get rid of unnecessary possessions. Next, have a family conference and divide household duties, making sure each person does his or her part. The, set up a planning notebook to keep track of appointments, things to do, calls to make, errands to run, shopping, etc. Finally, set up a work schedule so you won’t get sidetracked by TV, neighbor’s visits, snacking, and telephone calls. Creating and operating a home business is a wonderful and rewarding challenge. The satisfaction is not only in the money earned, but in doing what makes you happy.
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Julia Tang publishes Smart Online Business Tips, a fresh
and informative newsletter dedicated to supporting people
like you! To find out the best online business opportunities,
and to discover hundreds more proven and practical internet
marketing secrets, plus FREE internet marketing products
worth over $200, visit: http://www.best-internet-businesses.com
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Small Business: To Blog or Not To Blog
Jul 26th
A weblog, or “blog” started out as a personal journal on the Web. They have evolved far beyond that initial concept. Now, weblogs cover as many different topics as there are people writing them. Some blogs are highly influential and have readership which exceeds most traditional newspapers, while others are mainly intended as personal journals to be shared with only family and friends. So, should you consider blogging?
The power of weblogs is that they allow millions of people to easily publish their ideas, and millions more to comment on them. Increasingly people write, read and comment on blogs. Many people mistakenly believe that blogs are only personal diaries. More and more, blogs are being used by businesses to attract customers. Since blogs now come in all flavors, let’s look at the basics of blogging.
A blogger is someone who writes a blog. The “Blogosphere” is a word used to describe the online community of bloggers and their writings. A blog differs from a website only because it is a website that is updated frequently, most often displaying its material in journal-like entries. An entry, a post, or a posting, are the terms often used to refer to a specific article or commentary written by the blogger on his or her blog. Many weblogs allow readers to write a reaction to what was written in the blog entry. These comments can often be found directly following the blog entry.
For millions of people, blogging is a hobby. For some, like journalists, writers, business leaders and political leaders, writing blogs enhances their professional careers. A blog gives the voice a broader audience and allows more direct and interactive contact with the readers. Some bloggers have readership numbers approaching that of big media and are able to earn income from their blogs. But potential profit should not be the primary motivation for blogging.
Why should a blog be part of your business’ marketing strategy? The blogging movement is picking up speed, particularly for businesses. Blogging is one arena where the size of your company won’t matter. A blog is NOT the place to promote your product or company. It is a place to promote your ideas, provide tips, and express yourself in the hopes of building an audience. That audience may , in turn, become customers.
There are two key concepts to keep in mind when deciding whether you will launch a blog or not; providing quality content and blogging regularly. These are critical to creating an audience for your blog.
A successful blog is written with a distinct audience in mind. In this way, you can provide content that is unique to your audience’s issues, needs, or desires. If you create content they like and wish to return to read, you will produce quality content. Successful bloggers have a focused topic and a unique personality.
Both your topic and unique style will cause your audience to return to your blog. When they return, it is critical to stay true to your audience and tone of your blog. If people are reading your blog, it’s because they like your topic and tone. Try not to stray from your typical topics and style too much. This will give your readers a reason to link back to your blog on an ongoing basis. But your content and tone are just one element to consider. Also critical to your ongoing blogging success is how frequently you update your blog.
If you don’t update your blog often enough, blog readers will move on to other blogs. There are too many blogs out there competing for your reader’s attention. Blog readers will go where the content is.
Successful blogging takes a commitment of your time. When you begin blogging and wish to capture an audience, you should be prepared to blog every day. In this way, you can develop an audience who counts on you to help them begin or end their day. This means you should also try to post at the same time each day. Your readers will get accustomed to your schedule and check your blog at the appropriate time. The time of day is not as crucial as the consistency in your posting.
So, is a blog right for you? You tell me. Do you have a distinct topic in mind? Do you have a strong opinion or passion for the topic? Do you know what audience you are writing for? Do you have the time to commit to regular postings on your blog? If so, see you in the blogosphere!
Michele Schermerhorn calls herself a “Corporate Freedom Fighter” dedicated to freeing cubicle prisoners to experience their own successful online business. She has over 30 years experience in the business world and over 12 years running her own successful online businesses. She is President of Online Business Institute Inc. (http://www.obinstitute.com), authors a sassy marketing blog (http://www.imarketblog.com), and regularly conducts free online seminars. Online Business Institute Inc. exists to “Create Successful Online Business Owners One Person At A Time”.
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How to Buy Classic Car Insurance
Jul 25th
Collector Car Insurance and Classic Car Insurance
If you are fortunate enough to own a classic car – or any collectible automobile – then you want to ensure that your luck does not run out because of having inadequate insurance coverage. Call it covering your butt – or covering your “asset” – but by all means, call one of the major providers such as American Collectors, Haggerty, or Parish Heacock insurance companies and let them put you in the driver’s seat in terms of professional protection of your cherished automotive investment.
How to Kick the Tires on Classic Car Insurance
The whole idea of insurance is that it needs to do what you expect of it in an emergency, when the rubber really hits the road. And classic car insurance is as different from conventional auto insurance as, well, a classic car is from your run of the mill generic vehicle.
When you buy a classic car insurance policy, you are essentially purchasing protection for those times when – God forbid and knock on wood it doesn’t happen – disaster strikes in the form of a fire, a collision, or an act of theft or vandalism. Just as we now have modern airbags to save us in the event of a crash, we also have collector’s car insurance, to protect us with adequate moneybags when calamity throws a wrench in the works.
The time you invest in choosing the right classic car insurance coverage is well worth the value and peace of mind that a quality collector’s insurance policy delivers for owners of classic motor cars.
The Nuts and Bolts of Classic Car Insurance Coverage
Collector car insurance is not the same as the insurance you buy for normal coverage of your daily transportation. Collector car insurance, or classic car insurance, is made especially for the needs of the car collector. And while ordinary insurance does offer some protection, no matter what you drive, it can leave you high and dry in the event of a loss that it not effectively covered by the terms of the insurance contract.
For example, you may have a garage-kept Cadillac Sedan DeVille with swooping fins your grandparents bought for $7,000 brand new back in the 1960s. But dealers have offered you three times that much, and you saw another one sell at an auto show for $35,000. If you don’t have special collector car insurance or classic car insurance, and the car is totaled, you will be lucky to get $7,000 for it. With depreciation calculated in, the insurance statisticians may decide that it is worth only half that much, or less, and you could wind up with two or three grand in exchange for your dream machine.
Stipulations or requirements normally encountered while shopping for collector car insurance or classic car insurance:
- A decent driving record.
- At least 10 years driving experience
- No teen drivers on the policy or drivers with poor driving records
- Secure and out of the weather garage
- Proof that you have another car for daily transportation
- Collector vehicle insurance is sometimes limited by the age of your car, and if your car is too young it may not qualify for a particular policy.
- Limited mileage. You probably don’t want to drive your creampuff car all the time, and your insurance company doesn’t want you to either. Mileage limits have increased recently, though, so if you can live with 250 miles a month you’re probably okay.
Coverage with collector car insurance or classic car insurance: Three kinds of value are important to understand when buying your policy. 1) Actual cash value: This is what you usually get with ordinary insurance, and is based on replacement cost minus depreciation.
2) Stated value:
The insurance company pays up to the stated value of the car, but may not guarantee the full stated value. And deductibles of up to $1,000 usually apply.
3) Agreed value:
In most jurisdictions, those who provide collector car insurance or classic car insurance are allowed to insure for a value that you and your insurer agree upon. And for most autos, there is no deductible. If your $100,000 vintage Rolls get trashed, you get a check for 100 grand, plain and simple – which is exactly why collectors use special classic car insurance coverage.
Do a periodic review of your coverage limits, because classic car prices are rising. What you insured your cherry classic for ten years ago may be a fraction of what it’s worth today. And if you are restoring a vehicle, ask your agent to give you appropriate insurance. There is no need to pay extra based on mileage statistics, if your car is up on blocks with no engine inside it. And as the car’s value increases thanks to your hard work of restoring it, you should raise the coverage to keep up with the added value of the restoration.
Keep all your receipts and paperwork – for everything from parts and labor to expenses incurred to take it to a classic car show – so that you can document the total investment your collector’s car represents. And take photos and keep them updated, for the same reason. And Last But Not Least: Special Savings Opportunities
As long as you meet the criteria in terms of how you use and take care of the car, you can usually buy a policy.
Traditional insurers will either refuse coverage, offer only a replacement value based on the nuts and bolts (minus heavy depreciation) of the car, or will charge you a prohibitive amount for the premium. But many collectors find that special collector’s coverage saves them money – as much as half – while insuring them for higher limits, sometime three or four times what a traditional company gave them.
Yes, it’s possible to get collector’s insurance coverage for full market value for your car, and save up to 50 percent off of the premium you’d pay with ordinary insurance. That makes classic car insurance a must-have for any serious car buff.
Below is information about three of the most reputable and dependable collectors and classic car insurance companies in the USA (All information listed below subject to change, please contact the insurance companies listed to be sure.):
Hagerty Insurance P.O. Box 1303 Traverse City, MI 49685-1303
Email: auto@hagerty.com Toll Free: 800-922-4050
Qualifications:
- Similar to the others listed below, but please contact Haggerty for details.
American Collectors Insurance P.O. Box 8343 Cherry Hill, NJ 08002 Email: info@americancollectors.com Toll Free: (800) 360-2277 Qualifications (subject to change or regional laws so check with the company for specific up-to-date information).
- At least 15 years old
- Garage-kept
- Driven on a limited, pleasure-only basis (up to 5,000 annual miles – available in most states)
You may also qualify by:
- Having at least 10 years driving experience
- Having a good driving record
- Having at least one “regular” vehicle for every licensed driver in the household You may request a policy application either directly from American Collectors Insurance or through your local insurance agent (rates are the same either way).
Parish Heacock Classic Car Insurance P.O. Box 24807 Lakeland, FL 33802-4807 Email: info@parishheacock.com Toll free: (800) 678-5173 Qualifications (subject to change or regional laws so check with the company for specific up-to-date information).
- Each household member of driving age must have at least 10 years driving experience or be excluded.
- Each household member must have a regular use vehicle less than 15 years old that is insured with liability limits equal to or higher than the limits being applied for on the collectible vehicle.
- All licensed members of household and any other drivers of the vehicle must be listed on the application.
- Maximum of two accidents or violations in the household, maximum of one per licensed household member in past 3 years. No major violations permitted in past 5 years.
- A Driver Health Questionnaire must be completed for all drivers over 70 years old.
- Auto must be stored in a locked permanent garage facility when not driven.
- Auto may not be used for commuting to or from work or school, used for business purposes or as a substitute for another auto.
- Autos not covered while on a racetrack or when being used for: racing, speed, driver’s education, or timed events.
- Must display pride of ownership: well maintained, in restored or well-preserved condition.
- Vehicles under restoration must be stored at residence or a restoration shop, with a target date for completion. Agreed value coverage is not available on cars under restoration. Eligibility subject to company review.
- Replica Vehicles and Pro Street vehicles are subject to company review.
- Trucks and Jeeps must be over 25 years old, and not be used for towing, hauling, off-road or utility use.
- Generally do not require appraisals, but may ask for one if vehicle value is difficult to determine.
Michael Modica is an avid musclecar fan. He is the webmaster of the world’s leading Second Generation Camaro resouce, http://www.nastyz28.com
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Pros And Cons Of Online Education For The World Citizen
Jul 24th
More and more young people are choosing non-traditional education to start and advance in their careers while completing and furthering their formal education. “Typical distance learners are those who don’t have access to programs, employees who work during scheduled class hours, homebound individuals, self-motivated individuals who want to take courses for self-knowledge or advancement, or those who are unable or unwilling to attend class” (Charp, 2000, p. 10). Three key elements surround the online learner: technology, curriculum, and instructor (Bedore, Bedore, & Bedore, 1997). These elements must be keenly integrated into one smoothly and operationally functional delivery tool.
While an online method of education can be a highly effective alternative medium of education for the mature, self-disciplined student, it is an inappropriate learning environment for more dependent learners. Online asynchronous education gives students control over their learning experience, and allows for flexibility of study schedules for non traditional students; however, this places a greater responsibility on the student. In order to successfully participate in an online program, student must be well organized, self-motivated, and possess a high degree of time management skills in order to keep up with the pace of the course. For these reasons, online education or e-learning is not appropriate for younger students (i.e. elementary or secondary school age), and other students who are dependent learners and have difficulty
assuming responsibilities required by the online paradigm.
Millions of students use e-learning solutions in over 140 countries: corporations such as Kodak and Toyota and education providers like ExecuTrain, New Horizons, the Enoch Olinga College (ENOCIS), Phoenix University amongst the hundreds of schools and colleges.
Studies have shown student retention to be up to 250% better with online learning than with classroom courses. Several recent ones have helped frame the debate. The Sloan Consortium published a widely distributed report titled “Growing by Degrees: Online Education in the United States in 2005″ that examined the growing prevalence of online education across U.S. institutions.
In addition, a study conducted by the Boston-based consulting firm Eduventures found that, while about half of institutions and more than 60 percent of employers generally accept the high quality of online learning, students’ perceptions differ. Only about 33 percent of prospective online students said that they perceive the quality of online education to be “as good as or better than” face-to-face education. Ironically, 36 percent of prospective students surveyed cited concern about employers’ acceptance of online education as a reason for their reluctance to enroll in online courses.
But what actually drives quality? A March 2006 report released by the U.S. Department of Education’s Office of Postsecondary Education identifies six quality indicators: mission, curriculum and instruction, faculty support, student and academic services, planning for sustainability and growth, and evaluation and assessment.
The debate rages on while the Pros and Cons of Online Adult Education for today’s international students are constantly analyzed to determine if this type of education platform can deliver predictable and measurable results.
The Enoch Olinga College (ENOCIS) is one institution which uses this type of delivery system. ENOCIS enhances their learning experience by offering many other “value added”, cost reducing benefits to students. Online pupils can apply for scholarships available to students of excellence and other financial aid programs like the Parent Loan for Undergraduate Students (PLUS), with attractive interest rates. They also provide convenient payment facilities, on line banking, Western Union Quick Collect, bank cards and a student who is granted a loan can start repaying it after two months if they have a corporate guarantor.
Pros of Online Education:
The key advantages of the online education experience are briefly explained below:
1. Cheaper: Online courses may be more affordable than those offered at colleges or trade schools. You may also save on transportation costs like gas, bus passes, and parking permits because you don’t need to commute to school and there are no housing or meals plans to worry about since you do not need to live on or near a college campus. Housing expenses and other costs associated with living expenses are usually the most expensive aspects of a college education, so by taking an online course you could save quite a bit of money.
The best part of online education is the absence of travel and immigration problems. Some students may prefer not to pursue traditional on campus education, as it involves traveling to attend lectures. With online education, an applicant does not need to travel. Courses simply require accessing the internet in order to begin the learning process.
2. More Convenient: By taking courses online, you’re able to decide when you study and for how long. You are also able to schedule your studying around your work or social schedule.
Since you’re not bound to a classroom, you may do your work wherever you have access to a computer and the internet. You’ll be able to set your own pace and decide exactly how fast you want to go over the material.
Take online courses when you need them, not based on some college’s annual or semester schedule. You can learn when you need it (Just-In-Time) A course is as close as a computer with an Internet connection.
3. Flexibility: with no set class times, you decide when to complete your assignments and readings. You set the pace. In some programs, you can even design your own degree plan. The online students can carry out their private or official work, along with the online education. As it provides the convenience of time flexibility, a student can login and logout as per his desire whereas, the traditional education do not provide such flexibility in learning.
Flexibility of online education allows the student control over their studies. They can allot more time in the topics, which they feel comparatively hard and vice versa. The speed of learning depends solely upon the students.
4. Technology: With the help of the scientific technology, students can do their online education at any place. The only mandatory pre-requisite is the availability of computer along with an internet amenity. Side benefits include the learning new technologies and technical skills
5. Availability: distance-learning opportunities have exploded over the past few years, with many accredited and reputable programs.
6. Accessibility: with an online course, you can work on the course just about anywhere you have computer access. Your learning options are not constrained by your geographic location. The new virtual classrooms have created a myriad of learning opportunities for global learning and education center. On line education is a new era experience adapting to the needs of the world citizen.
7. Self-Directed: you set your own pace and schedule, so you control the learning environment.
8. Time Spent in Classroom: now you can take a course on just about any subject without ever having to be in, or travel to, a classroom so you have very little wasted time. Note, however, that some distance-education programs still do have an in-class component and normally to receive a fully accredited US university degree an international student must spend one or two semesters on campus.
9. High Quality Dialog: Within an online asynchronous discussion structure, the learner is able to carefully reflect on each comment from others before responding or moving on to the next item. This structure allows students time to articulate responses with much more depth and forethought than in a traditional face-to-face discussion situation where the participant must analyze the comment of another on the spot and formulate a response or otherwise loose the chance to contribute to the discussion.
10. Student Centered: Within an online discussion, the individual student responds to the course material (lectures and course books, for example) and to comments from other students. Students usually respond to those topics within the broader conversation that most clearly speak to their individual concerns and situations resulting in several smaller conversations taking place simultaneously within the group. While students are expected to read all of their classmates’ contributions, they will become actively engaged only in those parts of the dialog most relevant to their needs. In this way, students take control of their own learning experience and tailor the class discussions to meet their own specific needs. Ideally, students make their own individual contributions to the course while at the same time take away a unique mix of information directly relevant to their needs.
11. Level Playing Field: In the online environment learners retain a considerable level of anonymity. Discriminating factors such as age, dress, physical appearance, disabilities, race and gender are largely absent. Instead, the focus of attention is clearly on the content of the discussion and the individual’s ability to respond and contribute thoughtfully and intelligently to the material at hand.
On line adult education can be more effective and better for certain types of learners (shy, introverted, reflective, language challenged, those that need more time). Distance education courses are often better for people who learn through visual cues and experiential exercises.
12. Synergy: The online format allows for a high level of dynamic interaction between the instructor and students and among the students themselves. Resources and ideas are shared, and continuous synergy will be generated through the learning process as each individual contributes to the course discussions and comments on the work of others. The synergy that exists in the student-centred virtual classroom is one of the unique and vital traits that the online learning format posses..
13. Access to Resources: It is easy to include distinguished guest experts or students from other institutions in an online class as well as allow students to access resources and information anywhere in the world. An instructor can compile a resource section online with links to scholarly articles, institutions, and other materials relevant to the course topic for students to access for research, extension, or in depth analysis of course content material in the global classroom.
14. Creative Teaching: The literature of adult education supports the use of interactive learning environments as contributing to self-direction and critical thinking. Some educators have made great strides in applying these concepts to their on ground teaching. However, many classes still exist which are based on boring lectures and rote memorization of material. The nature of the semi-autonomous and self-directed world of the virtual classroom makes innovative and creative approaches to instruction even more important. In the online environment, the facilitator and student collaborate to create a dynamic learning experience. The occasion of a shift in technology creates the hope that those who move into the new technology will also leave behind bad habits as they adopt this new paradigm of teaching. As educators redesign their course materials to fit the online format, they must reflect on their course objectives and teaching style and find that many of the qualities that make a successful online facilitator are also tremendously effective in the traditional classroom as well.
Cons of Online Education:
Briefly explained are some factors that could negatively affect your success with distance learning courses:
1. The Technology:
a. Equity and Accessibility to Technology: Before any online program can hope to succeed, it must have students who are able to access the online learning environment. Lack of access, whether it be for economical or logistics reasons, will exclude otherwise eligible students from the course. This is a significant issue in rural and lower socioeconomic neighborhoods and educating the underserved peoples of the world. Furthermore, speaking from an administrative point of view, if students cannot afford the technology the institution employs, they are lost as customers. As far as Internet accessibility is concerned, it is not universal, and in some areas of the United States and other countries, Internet access poses a significant cost to the user. Some users pay a fixed monthly rate for their Internet connection, while others are charged for the time they spend online. If the participants’ time online is limited by the amount of Internet access they can afford, then instruction and participation in the online program will not be equitable for all students in the course. This is a limitation of online programs that rely on Internet access. Equity of access to learners of all backgrounds and parts of society
b. Requires New Skills/Technologies: if you’re not computer-savvy or are afraid of change or new technologies, then online education will probably not work for you. The online students are required to learn new skills, such as researching and reviewing the internet. For the online students, they need to learn the techniques of navigation on an online library for necessary information. Technical training and support of learners and instructors
c. Computer Literacy: Both students and facilitators must possess a minimum level of computer knowledge in order to function successfully in an online environment. For example, they must be able to use a variety of search engines and be comfortable navigating on the World Wide Web, as well as be familiar with Newsgroups, FTP procedures and email. If they do not possess these technology tools, they will not succeed in an online program; a student or faculty member who cannot function on the system will drag the entire program down.
d. Limitations of Technology: User friendly and reliable technology is critical to a successful online program. However, even the most sophisticated technology is not 100% reliable. Unfortunately, it is not a question of if the equipment used in an online program will fail, but when. When everything is running smoothly, technology is intended to be low profile and is used as a tool in the learning process. However, breakdowns can occur at any point along the system, for example, the server which hosts the program could crash and cut all participants off from the class; a participant may access the class through a networked computer which could go down; individual PCs can have numerous problems which could limit students’ access; finally, the Internet connection could fail, or the institution hosting the connection could become bogged down with users and either slow down, or fail all together. In situations like these, the technology is neither seamless nor reliable and it can detract from the learning experience.
2. The Institution: Many online education facilities are relatively new with many courses and hence, lack in modern instructors for instructing the new curriculum. Estimates show that there is still a need for an increase of more 50% of qualified instructors for online education.
b. The Administration and Faculty: Some environments are disruptive to the successful implementation of an online program. Administrators and/or faculty members who are uncomfortable with change and working with technology or feel that online programs cannot offer quality education often inhibit the process of implementation. These people represent a considerable weakness in an online program because they can hinder its success.
3. The Facilitator :Lack of Essential Online Qualities: Successful on-ground instruction does not always translate to successful online instruction. If facilitators are not properly trained in online delivery and methodologies, the success of the online program will be compromised. An instructor must be able to communicate well in writing and in the language in which the course is offered. An online program will be weakened if its facilitators are not adequately prepared to function in the virtual classroom.
4. Perceptions/Reputation: while slowly changing as more and more mainstream colleges and universities embrace distance learning, there still is a stigma attached to distance education to the student’s interaction in the online education. Some of the students believe that, there are few opportunities with regards to face-to-face interactions and feedbacks.
5. No Instructor Face Time: If your learning style is one where you like personalized attention from your teachers, then online education will probably not work for you.
6. Little Support: students are expected to find their own resources for completing assignments and exams, which is empowering for some, but daunting for others.
There is little support and limited guidelines provided in online education system. Online students are required to search as per their own imaginations for completing exams and assignments.
7. Lacking Social Interaction: while you often interact with classmates via email, chat rooms, or discussion groups, there are no parties or off line get-togethers.
If you enjoy meeting new people and learn better while you’re interacting with other people, you may want to reconsider online education.
8. No Campus Atmosphere: part of the traditional college experience, of course, is the beauty of the campus, the college spirit, but you have none of that with distance-education courses.
Since you’re not on campus or in classes, you may lack opportunities to meet other students. You will not have many opportunities to interact face-to-face with your professors, so they may not have a real sense of who you are as a person.
9. Making Time: if you are a procrastinator or one of those people who always needs an extra push to complete work, you may have a hard time making time for your online classes. On line learning requires new skills and responsibilities from learners
10. Academic honesty of online students: requires a new mindset to online assessment. Most education experts agree that rote memory testing is not the best measure of learning in any environment and new measurement and evaluation tools are evolving.
11. Types and effectiveness of assessments: The importance of outcomes in online learning cannot be over emphasized. Does the program have measurable results? Are students learning what you say they should be learning? Then there are institutional outputs: course completion rates, job placement rates (if that’s the goal of the institution), graduation rates, student success on third-party tests, and student satisfaction scores.
These factors, both the pros and cons, contribute greatly to making an informed decision about the direction of your career path and how you are going to accomplish your goals: on line, in the classroom or a combination of both.
Institutions and companies that use continuing education to meet their needs also face similar decisions. Institutions that deliver online education are confronted with a series of challenges, including the search for good faculty, use of technology, and provision of adequate student services.
The Sloan Consortium report “Growing by Degrees: Online Education in the United States in 2005″ found that 64 percent of chief academic officers and faculty believe that it takes more discipline for a student to succeed in an online course than it does in a face-to-face course.
More and more major business and industry is turning to on line continuing education as a viable and cost effective resource for training its personnel. Hilton Hotel has 380 hotels worldwide and is represented in 66 countries.
When you weigh the benefits and advantages of on line adult continuing education the cost of study and flexibility of scheduling tip the scales of programs like the Enoch Olinga College, Capella and Phoenix University’s distance learning program on line adult continuing education is becoming a world wide respected form of education.
However, as with any situation, there are both pros and cons with the concept of online education and the benefits of the virtual or global classroom. You may want to evaluate both before you decide on an online education program. By examining the advantages and disadvantages, you will be able to make a more informed decision. But, at the end of the day, online learning is independent learning. A lot of structure has been put into online programs, but it still comes down to a learner sitting in front of a computer by him or herself. The knowledge you receive or the benefits it will generate either in development of self esteem or increasing earning capacity will depend sole upon you the student.
David W Morris is an international development specialist with The Enoch Olinga College (ENOCIS) [http://www.enocis.org] and author of several publications on socio economic development. David is a regular contributor to online article sites on the topics of on line education, underserved peoples, scholarship and educational excellence, continuing education programs and on line TOEFL and language development. David W Morris is also a successful online adviser of ranking blog site http://www.enocis.blogspot.com
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Online Pet Supply Business – 40 Billion Dollars Up For Grabs
Jul 24th
The pet industry generates about 40 billion dollars of online sales annually, 70 million homes have pets and the average spent by a typical American is 150 dollars per month. Of course these are rough estimates but nevertheless, it is one hell of a lot of money.
Would it not be exciting to grab just the tiniest piece of this action?
Well anyone can do exactly that. You can set up an online pet supply business with very little trouble. If you have a real passion for pets, this could be right up your street. Even if you have no interest in pets, the online pet supply business is for everyone and is very profitable. Some people are making a very, very good living by selling other peoples pet supplies online for them
It is a very real business and should be treated as such. You can put a little effort into the business and make some extra spending money but if you want to take it to extremes and drive huge amounts of online web traffic to your pet store business, the world is your oyster.
Your online pet supply business comes with a free start-up kit that will enable you to get your online pet supply store up and running immediately. It is a pre-built store so there is no worry about having to set up your own website. Your online business comes equipped with a large amount of pet products in many categories that will ensure your customers will keep coming back for further products in the future.
There are numerous guides that are supplied. There is a marketing guide that will explain how to drive customers to your online pet supply business by various methods. There are other marketing tips and general techniques designed to help grow your online pet supply store. There are other guides that help you with general business aspects like cash flow, accounts, taxes and wealth and retirement issues.
If you are thinking where and how do I store all of the pet products? Don’t worry because of that side is taken care of. All that you do is get the customers to your online supply store where they buy the supplies and you get your hefty commissions. The actual storage and mailing of the pet supplies is totally in someone else’s hands.
Everything is included that you need to create a successful pet supply store. Once you have it up and running and you have all of the customers that you want, you can take a back seat and leave it alone and it will take care of itself. Of course you will have to spend time on your pet supply store now and again to keep it current.
Your online pet supply business will continue to earn you money when you are asleep, when you are on holiday and when you are busy enjoying your free time. It will work for you 24 hours a day 365 days per year, you don’t have to pay wages and you won’t have any employee-related problems.
If you want to find out more about how to divert some of the billions spent with your own online pet supply business and start living your life how you want to, click here Online Pet Supply Business [http://www.onlinepetbusiness.com/onlinepetsupplybusiness.html]
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